OUR COMMITMENT

At LoansGeeks.com, we’re committed to protecting your privacy and maintaining strong practices in the handling of personal information in our care. LoansGeeks.com and Loans Geeks (collectively referred to in this Privacy Policy as “LoansGeeks.com”, “we”, “us” or “our”), a division of Digitally Savvy Inc., have developed this Privacy Policy (this “Policy”) in accordance with applicable privacy legislation.

WHAT IS PERSONAL INFORMATION?

This Policy applies to the personal information of LoansGeeks.com’s members and other individuals we deal with. This Policy does not apply to personal information of our employees or employee applicants, or to information that is not personal information.
When we say “Information” we are referring to information that is about you that applicable law classifies as personal information. It does not include information that is anonymous, aggregated, or is no longer identifiable to a specific person.

• Name, address, email address, telephone number, mobile phone number and other contact particulars;
• Bank account information, including bank account, transit and branch numbers;
• Credit history and financial and identity information from consumer and credit reporting agencies, or financial institutions or businesses that you currently have, or have had, financial dealings with;
• Income information, including the name and contact information of your employer or other source of income;
• Name and contact information of personal references;
• Banking information collected from your physical or online bank statements;
• Information relating to ongoing interactions with LoansGeeks.com, including payment history, current and historical loan amounts or balances, inquiries or complaints, and similar information;
• Social Insurance Number, date of birth, and other personal identifiers (if you choose to provide them to us). If you give us your Social Insurance Number, we may use it to identify you with consumer reporting agencies and other parties, and we may keep it in our records with your other information, even after your account is closed;
• Contact and credit information from other providers of financial products and services where you have agreed to the sharing of your Information with entities like LoansGeeks.com;
• Information we collect automatically when you visit our website (see “Cookies and Interest-Based Advertising” below);
• Information we collect from public sources and third parties in order to locate you where a debt is owed to us and we are unable to contact you using the information we have on file; and 
• Other information with your consent or as permitted or required by law.

• to open, maintain, service, process, analyze, audit, and collect on a loan application;
• to communicate with you in respect of your LoansGeeks.com loan application or other LoansGeeks.com products or services;
• to enforce the terms of the products or services you have obtained from us;
• to verify your current and ongoing credit worthiness;
• to verify the information you provided to us in connection with an application for a LoansGeeks.com loan or other LoansGeeks.com product or service;
• to protect you and us from theft, fraud, and unauthorized access to your loan application; to assess your ongoing needs for products or services;
• to inform you of special promotions or products (see “How We Use and Share Information for Marketing Purposes” below);
• to enter you in and administer promotional contests that we may offer from time to time, and if you win, to identify you for promotion and advertising purposes; and
• for other purposes with your consent or as permitted or required by law.

We may also exchange personal information with our affiliates as necessary for the purposes described above.

When?

The following are examples of when we may use your Information:

• We may exchange Information on an ongoing basis with consumer and credit reporting agencies so they can verify your Information, ensure the completeness of the Information they and we have on file about you, maintain the integrity of the credit granting system, and cooperate with local, provincial and national authorities in order to protect you and us from fraudulent transactions.
• We may disclose Information to our affiliates for internal audit, management, billing or administrative purposes including defending and bringing legal actions.
• We may disclose Information to companies with whom we have joint marketing agreements for the purposes of administering a product or service offered by them and/or us. If you use a LoansGeeks.com product or service to finance the purchase of goods from a supplier, whether directly or through a third party provider, we may disclose Information to the supplier and/or third party provider as necessary to facilitate that transaction.
• If you request insurance in connection with a product or service offered by us, we will share your Information with the insurance provider for the purposes of establishing and administering and your insurance coverage.
• We may transfer Information to outside agents or service providers (including our affiliates acting in this capacity) that perform services on our behalf, for example mailing, call center, billing, collections, skip-tracing, marketing, analytics, information technology and/or data hosting or processing services or similar services, or otherwise to collect, use, disclose, store or process Information on our behalf for the purposes described in this Policy. Some of these service providers may be located outside of Canada, including in the United States, and as a result your Information may be processed outside of Canada for the purposes described in this Policy. Reasonable contractual other measures we may take to protect your Information while processed or handled by these service providers are subject to applicable Canadian and foreign legal requirements, including lawful requirements to disclose personal information to government and national security authorities in certain circumstances.
• LoansGeeks.com may use and disclose Information in connection with the proposed or actual financing, securitization, insuring, sale, assignment, transfer or other disposal of all or part of LoansGeeks.com or our business or assets, including your account, any debt or interest due to us, and any of our rights and obligations, for the purposes of evaluating and/or performing the proposed transaction. Assignees or successors of LoansGeeks.com or our business or assets may use and disclose your Information for similar purposes as those described in this Policy. 
• We may disclose your Information as necessary to meet legal, regulatory, industry self-regulatory, insurance, audit, and security requirements, and otherwise with your consent or as permitted or required by applicable law (including foreign law applicable to our service providers)

HOW WE USE AND SHARE INFORMATION FOR MARKETING PURPOSES

Marketing purposes

We may use your Information in order to identify your preferences, determine your eligibility for special offers and discounts, and to contact you in regard to such offers and discounts, or to provide other information about our products, services, promotions and events.

We may share your Information, including contact information and credit and financial information, with our affiliates for the purposes of developing and promoting new or joint products, improving existing products and services, and contacting you to offer products and services that may be of interest to you.

Opt-out

If you no longer want us to use or share your Information for marketing purposes, as described above, please contact us by email at admin@loansgeeks.com with the following phrase in the subject line: “Don’t share my information for marketing purposes”.

To opt out of our e-mail communications, you may click the unsubscribe link at the bottom of the email message or email admin@loansgeeks.com with the word “Unsubscribe” in the subject line. Please note that if you opt-out of marketing communications, we may still send you account-based information relating to your LoansGeeks.com loan application or related LoansGeeks.com product(s) or service(s).

COOKIES AND INTEREST-BASED ADVERTISING

When you visit the LoansGeeks.com website, we may collect and use your internet protocol address to help diagnose problems with our server and to administer the website, to identify users and their activities on the LoansGeeks.com website, and to gather broad demographic information.

We may also use “cookies”, a technology that installs a small amount of information on a website user’s computer to permit our website to recognize future visits using that computer. Cookies enhance the convenience and use of our website. For example, the information provided through cookies is used to recognize you as a previous user of our website, to track your activity on our website, to respond to your needs, and to otherwise facilitate your experience on our website. You may choose to decline cookies if your browser permits, but doing so may affect your use of our website and your ability to access certain features of our website or engage in transactions through our website.

LoansGeeks.com also uses web cookies and pixel tags to track user behavior on our websites and to compile reports regarding user demographics, website traffic patterns, and website purchases. We may then provide these reports to advertisers and others. We may also use other automated tracking technology or methods on our website to enhance the user experience.

LoansGeeks.com may use third party advertising networks to display advertising on our websites or other websites. These advertising networks use cookies or similar technologies to track your navigation habits on our websites and third party websites in order to serve you advertising that is customized to your inferred interests and preferences. For example, a cookie may be placed on your computer when you visit a LoansGeeks.com website, which is recognized and used by third party advertising networks to serve you with a LoansGeeks.com ad when you visit other websites within their advertising network. As described above, you may be able to set your browser to decline cookies. If you decline cookies you may still receive online advertising; however, it may be less personalized. Some advertising networks participate in industry programs that include web pages to visit to opt out. For example: https://youradchoices.ca/choices.

THIRD PARTY WEBSITES

We may use your Information in order to identify your preferences, determine your eligibility for special offers and discounts, and to contact you in regard to such offers and discounts, or to provide other information about our products, services, promotions and events.

We may share your Information, including contact information and credit and financial information, with our affiliates for the purposes of developing and promoting new or joint products, improving existing products and services, and contacting you to offer products and services that may be of interest to you.

YOUR CONSENT

LoansGeeks.com collects, uses and discloses your Information with your consent, or as permitted or required by law. Generally, by providing us with your Information, we will assume that you consent to our collection, use and disclosure of such Information for the purposes identified or described in this Policy, if applicable, or otherwise at the time of collection.

We may be required or permitted under statute or regulation to collect, use or disclose Information without your consent, for example to comply with a court order, to comply with local or federal regulations or a legally permitted inquiry by a government agency, or to collect a debt owed to us.

You may withdraw your consent to our collection, use and disclosure of your Information at any time, subject to contractual and legal restrictions and reasonable notice. We will let you know the consequences of refusing or withdrawing consent. Note that if you withdraw your consent to certain uses of your Information, we may no longer be able to provide certain of our products or services.

ACCESS, CORRECTION AND CONTACTING US

As part of delivering an optimal service experience, the accuracy of your Information is important to us.

If you wish to request access to or correction of your Information you may write to us at admin@loansgeeks.com.

Your right to access or correct your Information is subject to applicable legal restrictions. We may take reasonable steps to verify your identity before granting access or making corrections. If you wish to make inquiries or complaints or have other concerns about our personal information practices, you may write to us as described above.

POLICY UPDATE

This Policy may be revised from time to time. If we intend to use or disclose personal Information for purposes materially different than those described in this Policy, we will make reasonable efforts to notify affected individuals, if necessary, including by posting the revised Policy on our website at loansgeeks.com. We encourage you to visit this website frequently to obtain the current version. Your continued provision of personal Information or use of our services following any changes to this Policy constitutes your acceptance of any such changes. This Policy is effective as of July 21, 2017.