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The Loan
Arranger Bad Credit
Loans |
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Privacy Policy
In this Agreement, "we", "our" and "us" mean, as applicable,
any The Loan Arranger Bad Credit / The Loan Arranger Member;
"you" and "your" mean an individual who has made application
to us for any personal or commercial credit service offered
by us ("Service"), including any co-applicants, guarantors
or personal representatives.
Collecting, Using and
Disclosing Your Information
- When you apply for, or
provide a guarantee in respect of, or use any Service
and while you are our customer, you agree that:
We may collect personal
information from you and about you such as:
- Your name, address,
occupation and date of birth, which is required by law;
- Identification, such as
a valid Canadian driver's license or passport or birth
certificate issued in Canada. We may also ask for
documents such as a recent utility bill to verify your
name and address;
- Your annual income,
assets and liabilities and credit history;
- Information about your
transactions, including payment history and account
activity;
We may collect from, and use
and disclose this personal information to, any person or
organization for the following purposes:
- To confirm your
identity;
- To understand your
needs;
- To determine the
suitability of our Services for you;
- To determine your
eligibility for our Services;
- To set up, manage and
offer Services that meet your needs;
- To provide you with
ongoing Service;
- To meet our legal and
regulatory requirements;
- To investigate and
adjudicate insurance claims; and
- To detect and prevent
fraud or other criminal activity.
We will use health
information strictly for the provision of an insurance
Service. We do not provide directly all the services related
to your relationship with us. We may use third party service
providers to assist us with various services such as
printing, mail distribution and marketing and you
acknowledge that we may release information about you to
them. When personal information is provided to our service
providers, we will require them to protect the information
in a manner that is consistent with The Loan Arranger
privacy policies and practices.
- We may collect, use and
disclose your Social Insurance Number (SIN) for income
tax reporting purposes, as required by law. In addition,
we may ask you for your SIN to verify and report credit
information to credit bureaus and credit reporting
agencies as well as to confirm your identity. This
allows us to keep your personal information separate
from that of other customers, particularly those with
similar names, and helps maintain the integrity and
accuracy of your personal information. You may refuse to
consent to its use or disclosure for purposes other than
as required by law.
- We may verify relevant
information you give us with your employer or your
references and you authorize any person whom we contact
in this regard to provide such information to us. If you
apply for a Service and during the time you have the
Service, we may consult various financial service
industry databases or private Investigative Bodies
maintained in relation to the type of Service you have
applied for or have. You also authorize us to release
information about you to these databases and
Investigative Bodies. Investigative Bodies are
designated under the regulations of the Personal
Information Protection and Electronic Documents Act (PIPEDA)
and include such organizations as the Bank Crime
Prevention and Investigation Office of the Canadian
Bankers Association and the Investigative Services
Division of the Insurance Bureau of Canada.
- We may monitor or
record any telephone call we have with you. The content
of the call may also be retained. We may inform you
prior to proceeding with the call of this possibility.
This is to establish a record of the information you
provide, to ensure that your instructions are followed
properly and to ensure customer service levels are
maintained.
- If you have a Service
with us, we may use, disclose to and collect from credit
bureaus or financial service industry databases, credit
and other information about you in order to offer you
pre-approved credit products. We may also do this after
the Service has ended. You may withdraw your consent at
any time by giving us reasonable notice (see below).
- If we sell the company
or a portion of the business of The Loan Arranger, we
may release the information we hold about you to the
prospective purchaser.
- We may keep and use
information about you in our records for as long as it
is needed for the purposes described in this Agreement,
even if you cease to be a customer.
All information that you
give us will, at any time, be true and complete. If any
personal information changes or becomes inaccurate or out of
date, you are required to advise us so we can update our
records.
How the company transfers data to third-party companies
Access to the information we obtain about you resulting from
credit application submission is restricted to only those
service providers who need to know that information for the
purpose of purchasing an automobile or obtaining credit.
Other than as set forth above, we do not share personally
identifiable information with other companies, apart from
those acting as our agents in providing our product(s)/service(s),
and which agree to use it only for that purpose and to keep
the information secure and confidential.
We do not sell your personal information. We may use your
personal information to process your credit application
submission, to contact you about your credit application
submission, or share personal information with a third party
("Lender") such as a bank or lending organization. In such
an event, you may also become an applicant or customer of
the Lender, and you should review the Lender's privacy
policy and information practices.
We may also share personal information in connection with
law enforcement, fraud prevention, and other legal action if
The Loan Arranger reasonably believes it is necessary to do
so to protect its customers or the public.
Refusing or Withdrawing Consent
Subject to legal, regulatory and contractual requirements,
you can refuse to consent to our collection, use or
disclosure of information about you, or you may withdraw
your consent to our further collection, use or disclosure of
information at any time in the future by giving us
reasonable notice. Depending on the circumstances, however,
withdrawal of your consent may impact on our ability to
provide you or continue to provide you with some Services or
information that may be of value to you. We will act on your
instructions as quickly as possible but there may be certain
uses of your information that we may not be able to stop
immediately. You cannot refuse our collection, use and
disclosure of information required by third party service
providers essential for the provision of the Services or
required by our regulators, including self-regulatory
organizations. You can tell us at any time to stop using
information about you to promote our Services or the
products and services of third parties we select If you wish
to refuse consent or to withdraw consent as outlined in this
Agreement, you may do so at any time by contacting our head
office at
salesoshawa @ theloanarranger.com or by calling us at one of the
following telephone numbers
Toll Free : 1-800-575-6296
In Addition, If You Apply For, Accept, or Guarantee, a
Vehicle loan, Line of Credit or Other Personal Credit
facility With Us
When you apply for, accept, or guarantee a loan or credit
facility or otherwise become indebted to us, and from time
to time during the course of the loan or credit facility, we
may use, give to, obtain, verify, share and exchange credit
and other information (except health information) about you
with others including credit bureaus, mortgage brokers,
mortgage insurers, creditor insurers, registries, other
companies affiliated with The Loan Arranger and other
persons with whom you may have financial dealings, as well
as any other person as may be permitted or required by law.
We may do this throughout the relationship we have with you.
You also authorize any person whom we contact in this regard
to provide such information to us. During the term of the
loan or credit facility, you may not withdraw your consent
to our ongoing collection, use or disclosure of your
personal information in connection with the loan or other
credit arrangement you have with us or have guaranteed. We
can continue to disclose your personal information to credit
bureaus even after the loan or credit facility has been
retired, and you may not withdraw your consent to our doing
so. We do this to help maintain the accuracy, completeness
and integrity of the credit reporting system.
Further Information
You acknowledge that we may amend this agreement from time
to time to take into consideration changes in legislation or
other issues that may arise. We will post the revised
agreement on our web site listed below and make it available
at our branches and head office. We may also send it to you
by mail. For further information about The Loan Arranger's
privacy policies, you can call us toll-free at
1-855-364-5626.
The Loan Arranger Bad Credit owned and operated by
The Loan Arranger - Oshawa Location
375 King Street West
Oshawa, Ontario L1J 2J9
Toll Free: 1-855-364-5626
Phone: 905-404-0006 Fax: 905-404-9842
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