The purpose of this Privacy Statement is to inform you about the types of personal information Best Choice Loan Ltd. (as follows, “Best Choice Loan”, “we”, “our”, or “us”) collects, uses and discloses when you visit, interact, or apply for services from bestchoiceloan.ca (the “Site”). It explains how we use and disclose that information, the choices you have regarding such use and disclosure and how you may correct that information.
Best Choice Loan is proud to demonstrate our commitment to your privacy by complying with the laws and regulations under applicable privacy laws in Canada, including the Personal Information Protection and Electronic Documents Act.
We will treat personal information in a manner consistent with our Privacy Policy unless we have your consent to treat it differently.
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Collection of Personal Information
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To which companies does this Privacy Policy apply?
This Privacy Policy applies to the collection, use, and disclosure of personal information by Best Choice Loan.
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What is personal information?
Personal information is any factual or subjective information about an identifiable individual. Personal information includes such information as a person’s name, address, email address, phone number, date of birth and financial information. Specific personal information, such as your name, social insurance number (“SIN”), phone number or email address, is obtained only if you supply it voluntarily (“Personal Information”).
We request your SIN for identification verification, security and credit matching purposes. Since your SIN can reliably confirm your identity with credit reporting agencies, this is our preferred method of verification. However, permitting us to use your SIN in this manner is completely voluntary. You may still be able to obtain a payday loan without it.
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What Personal Information do we collect?
When you visit our site, we automatically collect certain information about your device, including information about your IP address, web browser, time zone, and some of the cookies that are installed on your device. Additionally, we collect information about how you interact with the Site, including, the individual webpages or products that you view, any terms you might search, and how many times you’ve visited our site, referring and existing pages, date and time stamps, transmitted data volume, operating system and other technical data such as details of your visits to our website. We refer to this automatically-collected information as “Device Information.”. When we refer to Personal Information, we are also talking about Device Information, unless we address Device Information specifically.
We also collect Personal Information that you may provide to us, including; your basic personal details such as your name and job title; contact data such as your telephone number, postal code, or email address; and demographic data such as your address, preferences, interests, and other personal information relating to you that you may provide.
Furthermore, once your consent is obtained, Best Choice Loan may collect the following types of Personal Information:
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information by telephone or through the Site’s registration forms, application forms, transaction documents, Pay-Day Loan application, or other documents or submissions related to the services we provide including your SIN, employment information, bank account and banking information, information about your income, debt, assets, transaction balance, payment history, overdraft history, other parties to transactions; and your reasons for seeking our services;
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information through third-party agencies including consumer reporting agencies and other lenders regarding your credit history, credit worthiness, and information to verify your identity;
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information regarding employment or income history;
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demographic information provided by marketing information firms;
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information that we receive about you from other online entities who have initially obtained your information but have transferred it to us on a contractual basis so that we can provide our services to you;
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information, aggregate or user specific, received from our Site;
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other information you may provide when you contact our Client Care Team or online chat;
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Device Information to screen and protect against fraud.
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When and how do we obtain consent?
Before Best Choice Loan collects, uses, or discloses your Personal Information, we first obtain your express or implied consent. The form of consent will largely depend on the sensitivity of the information and the reasonable expectation of privacy that you may have in the specific circumstance. For example, we may obtain your express consent in writing, through electronic means, or verbally. Alternatively, your consent may be implied through an action that you’ve taken or by continuing to use a service after being notified of our policy. Since we obtain consent the first time we receive your Personal Information, by continuing to make use of our services, you imply that your consent in on-going in accordance with this Privacy Policy.
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How do we use technology to collect information through the site?
Cookies
This Site uses cookies . A cookie is a small data file that is placed on your device and saved in your browser. Cookies do not damage computer systems or files, and only the website that transferred a particular cookie to you can read, modify, or delete such cookie. Cookies do not contain viruses.
Most of the cookies we use are called session cookies. Session cookies are automatically deleted at the end of your visit. For example, if you are browsing our Site, session cookies will remember you for the duration of your visit and any subsequent visit while the internet browser is open. As soon as you close down your internet browser, session cookies will be removed from your device.
A web browser is usually set to accept cookies automatically, however, this setting can be changed. If you don’t want to use cookies with our Site, there is a simple procedure within your browser that will allow you to delete the existing cookies, automatically decline future cookies, or be given the option to accept or decline particular cookies in the future. On most web browsers, the “Help” section of the toolbar will tell you how to prevent your browser from accepting new cookies, how to have the web browser notify you when you receive a new cookie or how to disable cookies entirely.
Please note that declining cookies on our Site will significantly reduce or impair your user experience.
Google Analytics
This Site uses Google Analytics. Google Analytics is a web analytics service provided by Google Inc (“Google”). Google Analytics also places cookies, as described above, on your computer to help the website analyze how you use our Site. The Personal Information generated by the cookies will be transmitted to and stored by Google on their servers in the United States.
Google will use this information for the purposes of evaluating your use of our Site, developing reports on Site activity for us for the purposes of marketing and advertising, and internet usage. Where required to do so by law, Google may also transfer this information to third parties or to their service partners who process information on Google’s behalf. Google will not associate your IP address with any other data held by Google. By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above. You can prevent Google’s collection and use of data (cookies and IP address) by downloading and installing the browser plug-in available under tools.google.com/dlpage/gaoptout. Please note that this website initializes Google Analytics with the setting anonymizeIp This guarantees anonymized data collection by masking the last part of your IP address. Further information concerning the terms and conditions of use and data privacy can be found at https://marketingplatform.google.com/about/analytics/terms/us/ or at www.google.com/intl/en_us/analytics/privacyoverview.html.
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Use of Personal Information
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How do we use your Personal Information and Device Information?
The Personal Information you provide to us will be used to: confirm your identity and job title, set up accounts; provide on-going service; determine your eligibility for products and services; adhere to legal and regulatory requirements set by the province of British Columbia and the federal government of Canada; verify your contact data such as your telephone number, postal code, or email address; prevent errors and omissions; screening lending applications for fraud; send you information or communication; optimize your experience on our Site; and to assess the success of our marketing and advertising campaigns.
When you send us an email or enter your Personal Information in an online form, we will collect your Personal Information in order to respond to you, to provide the requested services, to facilitate billing transactions and processing payments, or to improve our website services. We will not pass on such data without your consent.
With your consent, we may also use your Personal Information to provide you with targeted advertisements or marketing communications that we believe may be of interest to you. You can withdraw this consent at any time.
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Consent to Credit Check
By agreeing to this Privacy Policy, you agree to and accept this as prior written notice that for the purpose of obtaining credit reports or other financial-related information regarding your credit worthiness, we will disclose Personal Information to credit reporting agencies or other credit grantors specifically regarding your accounts, late payments, missed payments, or other default that may be present on your credit report.
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Consent to Employment Verification
By agreeing to this Privacy Policy, you agree to and accept this as prior written notice that for the purpose of verifying your employment, occupation, place of employment, employment income, payment dates, manner, and frequency, Best Choice Loan may contact your employer.
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Where do we store your Personal Information?
We store your Personal in hard copy and electronic form at our offices in Canada. Our service providers may, from time to time, also hold your Personal Information in connection with purposes for which you provided your consent. Our service providers may store your information temporarily in Canada or the United States.
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How long will we use, disclose, or retain your Personal Information and Device Information?
Your Personal Information will be used, disclosed, or retained for as long as necessary to fulfill the purposes for which it was collected and permitted or required by law. Generally, we do not disclose your Personal Information or Device Information, and where we do, we will identify to whom and for what purposes the disclosure will be made and will obtain your consent to such disclosure.
We make reasonable security arrangements to protect your Personal Information against risks such as unauthorized access, collection, use, disclosure or disposal. We integrate these security measures into the design, application, and operation of the website. We take reasonable measures to evolve with the risks so that the integrity and confidentiality of your Personal Information and our systems are maintained.
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Disclosure of Personal Information
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We use service providers to help us operate our Site, and to administer business activities on our behalf, such as sending emails and obtaining credit reports. We may share your information with these third parties for those limited purposes. All our service providers are required by law or contract to comply with our privacy standards to protect the privacy of your Personal Information, and to only handle your Personal Information for the purposes of the Site.
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As described above, we use your Personal Information to provide you with targeted advertisements or marketing communications we believe may be of interest to you. For more information about how targeted advertising works, you can visit the Network Advertising Initiative’s (“NAI”) educational page at http://www.networkadvertising.org/understanding-online-advertising/how-does-it-work.
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Changes
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We may update this Privacy Policy from time to time to reflect, for example, changes to our practices or for other operational, legal or regulatory reasons. We will notify you before we make changes to this policy and give you the opportunity to review and comment on the revised policy before consenting to use our Services.
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We are also committed to keeping your Personal Information accurate. Please notify us of any changes to your information. By doing so, we can ensure our records are accurate and we’ll be better able to assist you. This includes changes to contact information, address, employment, and banking information.
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Contact
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For more information about our privacy practices, if you have questions, or if you would like to make a complaint, please contact us:
Customer Service: 1-778-613-2078
Client Care Team | Support: support@bestchoiceloan.ca
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