Your Car Finance Guy ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy outlines how we collect, use, disclose, and safeguard your personal and financial information when you use our website, yourcarfinanceguy.ca (the "Site"), and our financing application services. Our practices are designed to comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) of Canada.
1. Information We Collect
We collect information that you voluntarily provide to us when you fill out the application form on our Site. This information includes:
- Personal Identification Information: Full name, date of birth, email address, phone number, and current residential address.
- Employment and Income Information: Employment status, employer's name, job title, length of employment, and gross monthly income.
- Vehicle Preference Information: The type of vehicle you are interested in.
2. How We Use Your Information
We use the information we collect for the primary purpose of providing you with auto financing services. This includes:
- To assess your eligibility for a car loan.
- To submit your application to our network of third-party lending partners (banks, credit unions, and financial institutions) for their review and consideration.
- To communicate with you regarding your application status, offers, and next steps.
- To comply with legal and regulatory requirements.
3. Consent for Credit Check (IMPORTANT)
By submitting a financing application through our Site, you are providing your express written consent for Your Car Finance Guy and our authorized third-party lending partners to obtain your credit report and other credit information from one or more credit reporting agencies (such as Equifax or TransUnion).
This action will result in a **hard inquiry** on your credit file, which may affect your credit score. This credit check is a necessary step to evaluate your creditworthiness and to determine your eligibility for financing. You acknowledge that this consent remains valid for the purpose of securing an approval for up to 180 days from the date of your application submission.
4. Information Sharing and Disclosure
We do not sell your personal information. We only share your information with the following parties for the purposes described in this policy:
- Lending Partners: We share your complete application with our network of lenders to find a suitable financing approval for you.
- Legal Requirements: We may disclose your information if required to do so by law or in the good faith belief that such action is necessary to comply with a legal obligation.
5. Data Security
We are committed to protecting the security of your personal information. We use a variety of security technologies and procedures, including data encryption, to help protect your information from unauthorized access, use, or disclosure. Our website is secured with SSL technology to ensure that the data you submit is encrypted during transmission.
6. Your Rights
You have the right to access the personal information we hold about you and to request that inaccuracies be corrected. To make such a request, please contact us using the information provided below. Please note that we may need to verify your identity before processing your request.
7. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. You are advised to review this Privacy Policy periodically for any changes.
8. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or your personal information, please do not hesitate to contact us:
Divy, Your Car Finance Guy
Email: [email protected]
Phone: +1 (437) 484-8780