Privacy

Privacy Policy

Last Modified: September 26, 2020

1199091 B.C. Ltd dba My Auto Lenders and our subsidiaries and affiliates (the “Company,” “we,” “us,” “our”) respect your privacy and commit to protecting it through our compliance with the practices described in this Privacy Policy.

This Privacy Policy describes our practices for collecting, using, maintaining, protecting, and disclosing the personal data we may collect from you or that you may provide when you visit our website or other digital properties, communications, or forms that link or refer to this Privacy Policy (our “Website”) as well as the information we collect, use, or disclose about you:

in email, text, and other electronic messages;
through mobile and desktop applications which provide non-browser-based interaction between you and our Website or us.

Our Website may include links to third-party websites, plug-ins, services, social networks or applications. Clicking on those links or enabling those connections may allow the third party to collect or share data about you. We do not control these third-party websites, and we encourage you to read the privacy notice of every website you visit.

Please read this Privacy Policy carefully to understand our policies and practices for processing and storing your personal data. By engaging with our Website, you accept and consent to the practices described in This Privacy Policy. This Privacy Policy may change from time to time. Your continued engagement with our Website after any such revisions indicates that you accept and consent to them, so please check the notice periodically for updates.

Data We May Collect About You

Privacy laws in Canada generally define “personal information” as any information about an identifiable individual, which includes information that can be used on its own or with other information to identify, contact, or locate a single person.

Personal information does not include business contact information, including your name, title, or business contact information.

We collect and use different types of data from and about you including:

Personal data that we could reasonably use to directly or indirectly identify you, such as your name, postal address, email address, telephone number, user name or other similar identifier (“personal data”).
Non-personal data that does not directly or indirectly reveal your identity or directly relate to an identified individual, such as demographic information, statistics, or aggregated information. Statistical or aggregated data does not directly identify a specific person, but we may derive non-personal statistical or aggregated data from personal data. For example, we may aggregate personal data to calculate the percentage of users accessing a specific Website feature.
Technical information, including the Internet protocol (IP) address used to connect your computer to the Internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, or operating system and platform.
Non-personal details about your Website interactions, including the full Uniform Resource Locators (URLs), clickstream to, through, and from our Website (including date and time), products you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), methods used to browse away from the page, or any phone number used to call our customer service number.

If we combine or connect non-personal, technical, or demographic data with personal data so that it directly or indirectly identifies an individual, we treat the combined information as personal data.

How We Collect Data About You

We use different methods to collect data from and about you including through:

Direct interactions. You may give us information about you by filling in forms or by corresponding with us by phone, e-mail or otherwise. This includes information you provide when you create an account, subscribe to our service, search for a product, place an order, participate in discussion boards or other social media functions on our Website, enter a competition, promotion or survey, report a problem with our Website, or engage in other activities commonly carried out on our website.
Automated technologies or interactions. As you interact with our Website, we may automatically collect technical data about your equipment, browsing actions and patterns as specified above. We collect this information by using cookies, and other similar technologies.
Third parties or publicly available sources. We may receive information about you[if you visit other websites employing our cookies or from third parties including, for example, business partners, sub-contractors in technical, payment and delivery services, advertising networks, analytics providers, search information providers, credit reference agencies, data brokers, or aggregators.
User contributions. You also may provide information for us to publish or display (“post”) on public areas of our Website or transmit to other Website users or third parties (collectively, “User Contributions”). You submit User Contributions for posting and transmission to others at your own risk. Although we limit access to certain pages or you may set certain privacy settings for User Contributions lease be aware that no security measures are perfect or impenetrable. Additionally, we cannot control the actions of any Website users with whom you choose to share your User Contributions. Therefore, we cannot and do not guarantee that unauthorized persons will not view your User Contributions.

Cookies and Automatic Data Collection Technologies

Our Website uses cookies (small files placed on your device) or other automatic data collection technologies to distinguish you from other Website users. The use of cookies and other automatic data collection technologies is governed by our Cookies Policy.

How We Use Your Personal Data

We use your personal data to provide you with products, offer you services, communicate with you, deliver advertising and marketing, or to conduct other business operations, such as using data to improve and personalise your experiences. Examples of how we may use the personal data we collect include to:

Present our Website and provide you with the information, products, services, and support that you request from us.
Meet our obligations and enforce our rights arising from any contracts with you, including for billing or collections, or comply with legal requirements.
Fulfil the purposes for which you provided the data or that were described when it was collected.
Notify you about changes to our Website, products, or services.
Ensure that we present our Website content in the most effective manner for you and for your computer.
Administer our Website and conduct internal operations, including for troubleshooting, data analysis, testing, research, statistical, and survey purposes.
Improve our Website, products or services, marketing, or customer relationships and experiences.
Enable your participation in our Website’s interactive, social media, or other similar features.
Protect our Website, employees, or operations.
Measure or understand the effectiveness of the advertising we serve to you and others, and to deliver relevant advertising to you;
Make suggestions and recommendations to you and other users of our Website about goods or services that may interest you or them.

We may also use personal data to contact you about our own and third-party goods and services that may be of interest to you. If you do not want us to use your data in this way, please adjust your user preferences in your account profile or contact us.

We may use personal data to enable us to display advertisements to our advertisers’ target audiences. Even though we do not disclose your personal data for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria.

We may use non-personal data for any business purpose.

Disclosure of Your Personal Data

We may share your personal data with:

Any member of our corporate group, which means our subsidiaries, our ultimate holding company and its subsidiaries, and our affiliates.
Business partners, suppliers, service providers, sub-contractors, and other third parties we use to support our business (such as analytics and search engine providers that assist us with Website improvement and optimisation). We contractually require these third parties to keep that personal data confidential and use it only for the contracted purposes.
Third parties to market their products or services to you if you have not opted out of these disclosures. We contractually require these third parties to keep that personal data confidential and use it only for the contracted purposes.
Advertisers and advertising networks that require the data to select and serve relevant ads to you and others. However, we do not disclose data about identifiable individuals to our advertisers, but we may provide them with aggregate information about our users (for example, we may inform them that 500 men aged under 30 have clicked on their advertisement on any given day). We may also use such aggregate information to help advertisers reach the kind of audience they want to target (for example, women in a specific location). We may make use of the personal data we have collected from you to enable us to comply with our advertisers’ wishes by displaying their advertisement to that target audience.
Credit reference agencies when required to assess your credit score before entering into a contract with you.
To fulfil the purpose for which you provide it. For example, if you give us an email address to use the “email a friend” feature of our Website, we will transmit the contents of that email and your email address to the recipients.
For any other purposes that we disclose when you provide the data.
With your consent.

We may also disclose your personal data to third parties:

In the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets.
To a buyer or other successor in the event of merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, where one of the transferred assets is the personal data we hold.
To comply with any court order, law, or legal process, including responding to any government or regulatory request.
To enforce or apply any agreement, including online agreements governing the use of our Website.
To protect the rights, property, or safety of our business, our employees, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of cybersecurity, fraud protection, and credit risk reduction.

We may share non-personal data without restriction.

Consent to Personal Data Transfer

We are based in British Columbia, Canada.

We may transfer personal information that we collect or that you provide as described in this Privacy Policy to contractors, service providers, and other third parties we use to support our business (such as analytics and search engine providers that assist us with website improvement and optimization) and who are contractually obligated to keep personal information confidential, use it only for the purposes for which we disclose it to them, and to process the personal information with the same standards set out in this Privacy Policy.

We may process, store, and transfer your personal information in and to a foreign country, with different privacy laws that may or may not be as comprehensive as Canadian law. In these circumstances, the governments, courts, law enforcement, or regulatory agencies of that country may be able to obtain access to your personal information through the laws of the foreign country. Whenever we engage a service provider, we require that its privacy and security standards adhere to this Privacy Policy and applicable Canadian privacy legislation.

You are welcome to contact us to obtain further information about our policies regarding service providers outside of Canada.

By submitting your personal data or engaging with our Websites, you consent to this transfer, storing, or processing.

Your Personal Data Use Choices

We strive to provide you with choices regarding certain personal data uses, particularly around marketing and advertising. We have established the following personal data control mechanisms:

Promotional Offers from the Company. If you do not want us to use your email address or contact information to promote our own products and services, or third parties’ products or services, you can opt-out by at any time by sending us an email with your request. You may also opt-out of further marketing communications by replying to any promotional email we have sent you or following the opt-out links on that message (provided that this opt out does not apply to information provided to the Company as a result of a product purchase, warranty registration, product service experience, or other transactions).
Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. To learn how you can manage your Flash cookie settings, visit the Flash player settings page on Adobe’s website. If you disable or refuse cookies, please note that some parts of this Website may become inaccessible or not function properly.
Withdrawal of Consent. Where you have provided your consent to the collection, use, and transfer of your personal information, you may have the legal right to withdraw your consent under certain circumstances. To withdraw your consent, if applicable, please contact us. Please note that if you withdraw your consent, we may not be able to provide you with a particular product or service. We will explain the impact to you at the time to help you with your decision.

Our Website may, from time to time, contain links to and from the websites of our partner networks, advertisers, and affiliates, or include plug-ins enabling third-party features. If you follow a link to any third-party website or engage a third-party plug-in, please note that these third parties have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these third parties.

Accessing and Correcting Your Personal Data

You can access, review, and change your personal data by sending us an e-mail to request access to, correct, or delete personal data that you have provided to us. Please note, we cannot delete all your personal data, except by also deleting your user account. We may also not accommodate a request to change or delete information if we believe the change or deletion would violate any law or legal requirement or negatively affect the information’s accuracy.

If you delete your User Contributions from our Website, copies of your User Contributions may remain viewable in cached and archived pages or because other Website users may have copied or stored them.

Data Security

The security of your personal data is very important to us. We use physical, electronic, and administrative safeguards designed to protect your personal data from loss, misuse, and unauthorized access, use, alteration, or disclosure. We store all personal data you provide to us behind firewalls on servers employing security protections. We encrypt any payment transactions using SSL technology.

The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. We urge you to take care when providing information in public areas of our Website like message boards, which any Website visitor can view.

Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal data, we cannot guarantee the security of your personal data transmitted to our Website. Any transmission of personal data is at your own risk. We are not responsible for the circumvention of any privacy settings or security measures contained on our Website.

Data Retention

Except as otherwise permitted or required by applicable law or regulation, we will only retain your personal information for as long as necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements. Under some circumstances, we may anonymize your personal information so that it can no longer be associated with you. We reserve the right to use such anonymous and de-identified data for any legitimate business purpose without further notice to you or your consent.

Children’s Online Privacy

Our Website is not intended for or directed to children under 13 years of age and no one under age 13 may provide any personal information to or on our Website (nor do we collect such personal information). If we learn we have mistakenly or unintentionally collected or received personal data from a child under the age of 13, without appropriate consent, we will delete it.

If you are under 13, do not use or provide any information on our Website or on or through any of its features, register on our Website, make any purchases through our Website, use any of the interactive or public comment features of our Website, or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use.

If you believe we mistakenly or unintentionally collected any information from or about a child, please contact us.

Changes to Our Privacy Policy

We will post any changes we may make to our Privacy Policy on this page. If the changes materially alter how we use or treat your personal data we will notify you by email to the primary email address specified in your account and/or through a notice on our Website home page. Please check back frequently to see any updates or changes to our Privacy Policy.

Contact Information

Please address questions, comments, and requests regarding our Privacy Policy and our privacy practices to info@myautolenders.com.

Our appointed privacy representative is Catalina Baciu.

Our corporate headquarters are located at #109 5307 Victoria Drive Vancouver, BC V5P 3V6, Canada.

We have procedures in place to receive and respond to complaints or inquiries about our handling of personal information, our compliance with this Privacy Policy, and with applicable privacy laws. To discuss our compliance with our Privacy Policy, please contact our Privacy Officer using the contact information listed above.