1. INTRODUCTION
Capital Cash strives to respect and protect the privacy of its clients and of every user of its websites (hereinafter collectively the "Users" and individually a "User"); consequently, Capital Cash commits to upholding the commitments set forth in this privacy policy (hereinafter the "Policy") regarding the personal information of its Users, in accordance with the legislation applicable in the province of Canada, including the *Act respecting the protection of personal information in the private sector*.
2. PRELIMINARY PROVISIONS
Capital Cash undertakes to comply with the Policy.
Users acknowledge that this Policy may be modified by Capital Cash at any time and without prior notice, and are bound by such modifications; consequently, Capital Cash recommends that Users review this Policy regularly (link to an updated version of the Policy: _).
3. AUTOMATICALLY EXCHANGED INFORMATION
Each time a User accesses the website, an exchange of information automatically takes place between the website, the User's computer, and the servers of Capital Cash. This exchange is necessary to enable the server to transmit a file compatible with the hardware used by the User.
The following information is exchanged:
- The identification of the User's Internet Service Provider;
- The User's IP address;
- The type of web browser (e.g., Firefox, Explorer) and operating system (e.g., Windows, Mac OS) used by the User;
- The pages viewed by the User;
- The date and time at which the User accesses the website;
- The referring website, if the User accesses this site via another site.
Most of the data automatically exchanged between computers does not allow for the identification of the User. Such data is collected solely to meet the technological requirements of web browsing and is used exclusively for the purposes mentioned in this Policy.
4. COLLECTION OF PERSONAL INFORMATION BY Capital Cash
We collect the following information:
- Last Name;
- First Name;
- Address;
- Postal Code;
- Email Address;
- Telephone Number;
- Gender;
- Date of Birth;
- Occupation, including the User's employer's telephone number and the User's start date;
- Any other personal information necessary for the provision of services.
Personal information is collected through forms (including the loan application form on the website) and through the interactivity established between the User and our website.
5. GOOGLE ANALYTICS
Capital Cash uses Google Analytics and must inform the User how the information will be used. For more details, please consult Google's Privacy Policy and Terms of Use: http://www.google.com/intl/en/policies/privacy/partners.
6. COOKIES
Cookies are used to simplify navigation on the website. These cookies do not collect Users' personal information. A User may configure their browser to block cookies at any time. However, doing so may deprive the User of certain website functionalities.
When using a public computer or sharing a computer, Capital Cash recommends that the User ensure they leave no trace of their activity before ending a browsing session.
7. PERSONAL INFORMATION
Collection of Personal Information
The website does not incorporate any technology capable of being used to collect personal information from the User without their consent. Users are free to use the website without their personal information being collected automatically, subject to the provisions set forth in this Policy.
Indeed, subject to the provisions set forth in this Policy, no personal information is collected without the User's prior consent. The only personal information that Capital Cash may collect is that voluntarily provided by the User to Capital Cash or collected in accordance with this Policy. In order to provide a service requested by a User, open an account, or comply with legal requirements, Capital Cash reserves the right to request personal information or supporting documents from the User.
Use of Personal Information
Personal information is processed and stored in accordance with the provisions of the *Act respecting the Protection of Personal Information in the Private Sector*.
Personal information is used by Capital Cash solely as prescribed by law. This means that, unless legally required, Capital Cash will seek to obtain the User's consent before using any information concerning that User for purposes other than those for which the information was originally disclosed, or for purposes other than those set out in this Policy or in the law.
Personal information is accessible to Capital Cash employees to the extent that such information is necessary for the performance of their duties.
The personal information provided by the User may be used by Capital Cash for the following purposes:
- To verify age and place of residence;
- To provide the services requested by the User;
- To verify that the User complies with the terms and conditions of the requested services and with applicable law;
- To compile statistics;
- To track a User's loan application and complete the loan approval process in accordance with Capital Cash' policies;
- To transmit information and promotional offers (provided that the User may unsubscribe at any time by sending a request to that effect to Capital Cash), as set out in Section 11 of this Policy;
- To improve the management of the website (presentation, organization);
- To improve our services and customize the user interface;
- To create personalized consumer profiles;
- To track orders;
- To exercise its rights against any User, within the limits permitted by law, including the transfer of personal information to any debt collection agency;
- To develop artificial intelligence to facilitate the provision of services and debt collection.
Capital Cash collaborates with partners with whom Users' personal information may be shared, free of charge, for promotional purposes. In such cases, Capital Cash will ensure that any partner with whom such personal information is shared is bound to Capital Cash by a confidentiality agreement regarding the processing of said personal information, which shall be at least equivalent to the provisions of this Policy.
Disclosure of Personal Information
Capital Cash may disclose personal information when required by law or by a directive from a competent authority.
Capital Cash may also disclose personal information to service providers, if necessary for the provision of its services.
Retention and Destruction of Personal Information
Capital Cash implements appropriate security measures to ensure the protection of Users' personal information, utilizing, in particular, the following measures:
- SSL (Secure Sockets Layer) protocols;
- Access management—access is restricted to authorized personnel;
- Network monitoring software;
- Backups;
- Digital certificate implementation;
- Usernames / Passwords.
Furthermore, Capital Cash' commitments regarding the protection of personal information meet the requirements of the following program: SSL Certificate.
Personal information is retained by Capital Cash only for the period necessary to fulfill the purposes set out in this Policy and to comply with its legal and regulatory obligations. For more information regarding the retention period for personal information, you may contact Capital Cash as provided in Section 11 of this Policy.
Right of Access and Rectification
Every User has the right to access their personal information held by Capital Cash concerning them. If any information is incorrect, incomplete, or ambiguous, the User may request, in writing, a correction of such information. To access personal information held by Capital Cash, a request must be submitted by contacting Capital Cash as provided for in this Policy.
To this end, Capital Cash complies with Section 19 of the *Act respecting the Protection of Personal Information in the Private Sector* (Canada):
Any person carrying on an enterprise whose object is the lending of money, who consults credit reports or recommendations regarding the solvency of natural persons prepared by a personal information agent, must inform such persons of their right of access and rectification regarding the file held by the agent, and indicate to them the manner in which and the place where they may access such reports or recommendations and have them rectified, if necessary.
The person carrying on such an enterprise must communicate to a natural person, upon request, the content of any credit report or recommendation they have consulted for the purpose of making a decision concerning that person.
Rights of Withdrawal and Objection
We are committed to offering you rights of withdrawal and objection regarding your personal information, subject to Capital Cash's rights to use such personal information as provided for in this Policy and under applicable law.
The right of objection refers to the opportunity afforded to Users to refuse to have their personal information used for certain purposes specified at the time of collection. However, the User understands that by exercising this right, Capital Cash may be unable to provide its services; in such a case, Capital Cash reserves the right to decline to provide its services, without incurring any liability.
8. HYPERLINKS TO THIRD-PARTY SITES
The website may contain hyperlinks to third-party websites. Information exchanged through these websites is not subject to this Policy; therefore, we advise you to read the terms and conditions as well as the privacy policies applicable to these sites.
9. LANGUAGE
In the event of any discrepancy between the French and English versions of the website—particularly within this Policy—the French version shall prevail.
10. PRIORITY OF CONTRACTS
Any provision of any specific contract or agreement between Capital Cash and you that is inconsistent with the provisions of this Policy or with the provisions of Capital Cash' Terms and Conditions shall take precedence over the provisions of this Policy or the provisions of Capital Cash' Terms and Conditions.
11. FOR MORE INFORMATION
For more information regarding this Policy, or for any other requests or questions, the User may contact Capital Cash by phone, email, or mail.
Capital Cash
- Address: 329 Howe St, Vancouver, BC, Canada V6C 3N2
- Email: info@capital-cash.ca
- Phone: (604) 221-0200