Privacy Policy

At CréditFina, we respect your right to privacy and the confidentiality of your personal information. We are committed to protecting and using it only for the purposes for which it was collected. We want to clarify for you the purposes and methods by which we collect personal information and inform you about how it is stored, used, and disclosed.La politique de confidentialité s’étend à tous les renseignements personnels recueillis par CréditFina à partir du site Internet CréditFina (https://www.creditfina.ca/, ci-après : le « Site »)(la « Politique »). La Politique est subordonnée à la loi québécoise en cette matière, la Loi sur la protection des renseignements personnels dans le secteur privé (LPRPSP), ainsi qu’aux autres dispositions législatives et réglementaires applicables.
The privacy policy applies to all personal information collected by CréditFina from the CréditFina website (https://www.creditfina.ca/, hereinafter: the “Site”) (the “Policy”). The Policy is subject to Quebec law on this matter, the Act Respecting the Protection of Personal Information in the Private Sector (LPRPSP), as well as other applicable legislative and regulatory provisions.

Applicable Laws

The Policy complies with the laws set out in the LPRPSP.

For residents of other Canadian provinces, the specific law of your province will apply, or in the absence of specific law, the Personal Information Protection and Electronic Documents Act (PIPEDA). If there are inconsistencies between the Policy, the law of your province, or PIPEDA, the law of your province or PIPEDA will apply.

For residents of EU countries, the General Data Protection Regulation (GDPR) governs all data protection policies, regardless of where the site is located. The Policy aims to comply with the GDPR. If there are inconsistencies between the Policy and the GDPR, the GDPR will apply.

For residents of the State of California, this Policy aims to comply with the California Consumer Privacy Act (CCPA). If there are inconsistencies between this document and the CCPA, the legislation of the state will apply. If we identify inconsistencies, we will amend our policy to comply with the relevant law.

Consent

By accessing and using the Site, you consent to:

the terms set out in the Policy;

the collection, use, and retention of the personal information listed in the Policy.

Personal Information Protection Officer

Personal Information Collected

We only collect personal information necessary to achieve the purpose defined in the Policy. We do not collect any additional personal information without informing you beforehand.

Automatically Collected Personal Information

We do not collect any personal information automatically on our Site.

Non-Automatically Collected Personal Information

By visiting and using the Site, we may collect and store the following information when you perform certain functions:
professional and/or personal contact information, such as first name, last name, postal address, email address, and phone numbers
information about the use of the Site and other technical information, such as details regarding visits, your interaction with our advertising and online content, or information collected through cookies and other tracking technologies.

This personal information may be collected through the following methods:

when you apply to become a volunteer, member, or partner

when you communicate with us for questions or comments

Use of Personal Information

The personal information collected on our Site will only be used for the purposes specified in the Policy or indicated on the important pages of our Site. We do not use your information beyond what we disclose.

The information collected is used by CréditFina for the following reasons:

To facilitate the use of our websites and ensure that the content is relevant and presented in the most effective way for you and your device

To enable us to process credit requests

To enable us to communicate with you for any questions or comments

To be able to prevent and investigate possible security breaches of our Site or activities that may prove to be prohibited or illegal.

How Personal Information Is Used

We may disclose your personal information to any member of our organization who needs to access user data to achieve the goals set out in the Policy.

Other Disclosures

We are committed to not selling or disclosing your personal information to third parties, except in the following cases:

if required by law

if necessary to comply with a legal order or similar legal action

to prove and protect our legal rights

any entity or potential buyer in the event of a merger or change of control of the company, in whole or in part, and only if the parties enter into an agreement where the communication of personal information is limited to the commercial transaction.

Links to Third-Party Sites

Our Site contains links to other sites whose privacy policy and privacy protection procedures may differ from those of CréditFina. We are not responsible for their policies and we have no control over them. We invite you to carefully read the privacy policy of any website you visit.

Retention Period of Personal Information

We retain personal information for a reasonable period to achieve the purposes for which it was collected.

How We Protect Your Personal Information

To ensure the security of your personal information, we use Secure Socket Layer (SSL) encryption technology. We follow recognized standards to protect the data communicated to us, during its transmission and after its reception. Information is only accessible to our employees who are bound by strict confidentiality agreements. While we take all reasonable precautions to ensure the security of user data and the protection of your personal information, we cannot guarantee absolute security.

Minors

We do not knowingly collect personal information from children under the age of 14. Any minor must have obtained consent from the parent or legal guardian to provide us with personal information. If you are a parent or guardian and you know that your child has provided us with personal information, please contact our personal information protection officer. We will take necessary steps to delete all personal information from our server.

How to Access, Modify, Delete, or Contest Collected Personal Information

If you wish to access, correct, update, or delete your personal information, please contact our personal information protection officer.

Cookie Policy

A “cookie” is a small text file saved in the “Cookies” folder on the user’s hard drive by the website. It allows collecting information about the user’s browsing habits. You can be notified each time a cookie is transmitted or disable cookies entirely in your browser. However, this may decrease the quality of the user experience on the website.
We use the following types of cookies on our Site:

Necessary Cookie

Necessary cookies are crucial for the basic functions of the Site, and it will not function as intended without them. These cookies do not store any personally identifiable data, so no personal information.

Functional Cookie

Functional cookies allow certain features such as sharing Site content on social media platforms, collecting feedback, and other third-party features.

Analytical Cookie

Analytical cookies are used to understand how visitors interact with the Site. These cookies help provide information about the number of visitors, bounce rate, traffic source, etc.

Performance Cookie

Performance cookies are used to understand and analyze key performance indicators of the Site, which helps provide a better user experience to visitors.

Advertising Cookie

Advertising cookies are used to provide visitors with personalized advertisements based on previously visited pages and analyze the effectiveness of the advertising campaign.

Changes to the Policy

We may change the Policy at any time without prior notice to you. We encourage you to check it regularly. If we make significant changes to this Policy, we will notify you here, by email, or by posting a notice on our website before the changes take effect.

Information

If you have any questions about our Policy, concerns, or complaints, you can contact our personal information protection officer.
Last Updated: September 2023
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