We, at LendDirect value you as a client and take your personal privacy seriously. As such, we would like to inform you of our policies for collecting, using, securing, and disclosing your personal information. It is our intention to manage and handle information in a manner consistent with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and other relevant privacy legislation to the extent required by law.
In this policy, here are some important terms you should know:
“Personal Information” or “Information” means information about an identifiable individual such as contact information, date of birth, age, information contained in a credit report, and financial information.
"We", "Our", or "Us" means LendDirect Corp.
"Third Party" means an individual or organization outside of LendDirect including those located in the United States of America.
“Permitted or required by law” or “legal and regulatory obligations” means actions that we are permitted or required to do under any laws or regulations, or any rules, codes, guidelines, expectations, or requirements of any applicable regulator.
The personal information we collect depends on the service you request. We may collect personal information about you from the following sources:
We collect, use and disclose your personal information for the following reasons:
We will not, as a condition of the supply of a product or service, require you to consent to the collection, use, or disclosure of personal information beyond that required to fulfill legitimate purposes outlined in this Privacy Policy. We collect, use and disclose information that we believe is reasonable for the above purposes or those purposes indicated to you at the time the information is collected.
* Limited to loan information for loan clients.
We may provide your personal information* to a third party in the following limited circumstances:
* Limited to loan information for loan clients.
In such cases we will make disclosure to the extent that is necessary to accomplish the required purposes or discharge our regulatory, legal or public duty. We will endeavor to obtain from the third party receiving the information reasonable assurances that it will respect the privacy of personal information in accordance with applicable laws. As certain of our operations are conducted in the United States of America and certain of our service providers may have operations in the United States of America, your information may be sent outside of Canada by secure electronic or other means. In the event that your information is sent outside of Canada, there is a remote possibility that it may be accessed by the courts, law enforcement and national security authorities of the jurisdiction where it is sent.
Our security safeguards are designed and maintained to protect your personal information against loss or theft, as well as unauthorized access, use, copying, modification, disclosure or disposal. Our current methods of protection include:
LendDirect protects personal information regardless of the format in which it is held.
Although we have various security measures in place, we cannot guarantee the absolute security of our website, or the security of information that you submit or that we send to you over the internet, since no internet transmission is ever fully/completely secure or error-free. Your use of the internet and electronic mail is at your own risk.
Should there be a breach relating to the personal information that you have provided to us, we will make an assessment as to whether the privacy breach creates a real risk of significant harm to you (includes financial loss, identity theft, negative effects on a credit record, humiliation, damage to reputation or relationships, loss of employment, business or professional opportunities, or loss of property). Should we determine that the privacy breach does result in a real risk of significant harm to you, we will provide you with notification at the earliest opportunity. The notification will contain sufficient information to allow you to understand the significance of the breach and to take steps, if any are possible, to reduce the risk of harm that could result from it or to mitigate that harm. It shall also contain any other information required by law. We shall also report any breach of security safeguards to the Privacy Commissioner if it is reasonable in the circumstances to believe that the breach creates a real risk of significant harm to you.
The length of time we retain your information varies depending on the services you have requested and your relationship with us. We keep information for so long as it is reasonably required by us or legally necessary for us to retain such information. Your information is confidentially destroyed, deleted, erased or converted to an anonymous form when reasonably appropriate.
We will provide you access to the personal information we have about you. If you require information, simply contact our Privacy Officer. We will respond to your request within thirty (30) days. Please note that we may not be able to provide information about you from our records if it contains references to other persons, is subject to legal privilege, contains information proprietary to us, is too costly to retrieve, or cannot be disclosed for other legal reasons.
Having accurate information about you enables us to give you the best possible service. You can help by keeping us informed of any changes, for instance if you move or change telephone numbers. If you find any errors in our information about you, let us know and we will make the corrections promptly and make sure they are conveyed to anyone we may have misinformed. For information that remains in dispute, we will note your opinion in our file. Requests can be made through the client's local branch, website or the Privacy Officer.
Subject to legal or contractual restrictions and reasonable notice, you are free to refuse or withdraw your consent to the collection, use or disclosure of your personal information at any time. You may do so by contacting our Privacy Officer. However, once you are using our service you may not be able to withdraw your consent to our collection, use and disclosure of personal information as necessary to provide that service. You may also wish to limit the amount of personal information we collect, use or disclose about you. However, by doing so, we may not be able to provide our services or connected services to you. You may opt out of receiving marketing information*, via email, SMS, telephone or direct mail at any time.
* Limited to loan information for loan clients.
Telephone calls made to LendDirect may be recorded for quality assurance and record keeping purposes. If you do not wish to have your telephone calls recorded, you have the option to conduct your business with us through a LendDirect store or by writing us.
In general, you may visit LendDirect on the web or use our mobile app without telling us who you are or revealing any information about yourself.
We may, however, collect non-personally identifiable information from you when you visit our website or download or use or mobile app. For our website, this includes your domain name, the IP address of the web page from which you enter the site, the pages you visit on our site and the amount of time you spend there. For our mobile app, this includes device ID and model number. This information is used to improve and customize the content and layout of our website or app.
From time to time we may utilize cookies or scripts on our website. You may disable these features, but by doing so, you may not be able to utilize the services we provide on our website.
We collect the e-mail addresses of those who communicate with us by e-mail and information volunteered by our visitors. The information we collect is used to improve our content and contact these visitors, if they have requested to be contacted.
From time to time, we may advertise our products and services on another company’s website. If you access one of these ads, we may track the response rate and the website activity associated with each ad. The response rate data is used to help us plan future online advertising campaigns. From time to time, we may provide links (from our website or mobile app) to other websites that may be of interest to our visitors. However, we cannot and do not guarantee that their privacy policies are adequate or equivalent to ours. In order to protect your privacy, we recommend that you read each page's website privacy policy carefully before making the decision to share information and only share information with companies that you trust will protect your privacy.
We may amend our Client Privacy Policy from time to time. If it changes at some point in the future, we will publish the changes on the version posted on our website and in our branch lobbies. An up-to-date version of our Client Privacy Policy will be available for handout at our branches.
Our Privacy Officer is your point of contact if you wish to raise any matters regarding our collection, use, storage or disclosure of your personal information. For information, questions or concerns on LendDirect privacy practices contact:
Telephone: 1-844-805-9474
Facsimile: 1-416-679-0507
Email: Privacy@LendDirect.ca
Mailing Address:
Our Privacy Officer has the decision-making authority to resolve most concerns. If you are not satisfied with our resolution of your privacy matters, you may address your concerns to the Privacy Commissioner of Canada at https://www.priv.gc.ca/en/ or call toll-free at 1-800-282-1376.
