Crédit Finova (hereinafter “Finova”, “us”, “our” or “ours”) cares about the privacy and protection of the personal information of its clients and users or visitors to its website.
2. Your consent
By using our site, directly or through merchant access, by making a request for rapid approval, by obtaining a service or by providing us with personal information, you consent to the collection, the use and disclosure of your personal information in accordance with this policy. To exercise any of your rights described herein, you may contact us using the contact information provided in the “Contact Us” section below.
3. Personal information collected
We collect personal information about our users directly from them, through their interactions on our site or in connection with our services, or through third parties, as described below.
We collect personal information from users on multiple occasions, including, but not limited to, when they access or use our site, directly or through merchant access, when they complete a form on our site, including the rapid approval request form on the website and through the interactivity established between the user and our website.
Users may be required, as appropriate, to provide their name, mailing address, email address, telephone number, date of birth, government issued ID number, social insurance number, the name of their payroll service provider, their occupation, information related to their employer including the date of hire, as well as contact information for individuals we may contact for reference, or any other organization, and their bank details and other account information.
We also collect information about how users use our site and services.
We may obtain personal information through third party partners with your consent. For example, with your consent, we may collect information about your credit score and related information from credit bureaus.
By applying for early approval, you are giving us permission to verify your name, address, phone number and other account information by comparing this information to information held by third parties or publicly available sources (such as identity verification companies, fraud prevention services, government registries or your mobile service provider) to confirm your identity and reduce the risk of fraud, including the possibility that someone other than you may attempt to use your account or make a transaction without your permission, and you consent to the disclosure of that information by those third parties or to the comparison of your information for that purpose. Your personal information will not be shared with these third parties for any other purpose.
4. Information collected automatically through our site
We may collect information about users every time they visit our site. This may include the name of the browser, the type of computer used, or technical information about how to connect to our site, such as the operating system, Internet service provider, or other similar information. Most information transmitted automatically between computers does not reveal a user’s identity. We use the information collected to understand the use of our site and to make improvements to it and for the purposes set out in this policy.
5. Cookies and similar technologies
6. Online advertising
7. Google Analytics
8. Use of Information Collected
Your personal information can only be accessed by certain authorized individuals, and only as part of their assigned duties. Finova may use personal information collected from users where permitted or required by law and for a variety of purposes:
- To provide services: We need certain information to register a user for a service, to offer and manage our services, and to resolve service issues.
- To process your request for quick approval (including authentication) and complete the approval process.
- To personalize the user experience: We may use the information we collect to personalize the user experience while using our site or a service. We also analyze the data as a whole to understand how users generally use the services and resources provided on our site.
- To improve our site: The information collected, including user feedback, helps us improve our site and services.
- To manage a promotion, contest, survey, or other elements of the site: We use the information collected to manage contests, promotions, surveys, and other elements of the site.
- For marketing purposes: Personal information helps us compile statistics, build a personalized consumer profile, better understand user needs and preferences, to provide them with information and offers that may be of interest to them. We have a variety of ways to share information and offers with you, including email and online advertising. Users who do not want their personal information to be used for these marketing purposes should let us know by contacting us in the manner set out herein.
- For other business purposes, on reasonable grounds: We may use the information collected to develop artificial intelligence to facilitate service delivery and recovery, detect and prevent fraudulent activity, to comply with legal requirements, to enforce agreements we have with users, and to maintain records. We could also use it for other purposes if the user consents to it or if the law permits or requires it.
9. Sharing your personal information
We may share personal information with third parties (including outside of Canada) if necessary to provide the services that a user has requested.
A customer list can be created and shared with companies linked to Finova. You may request that your name be removed from this list by sending a written request to the Privacy Officer at the contact information provided in the “Contact Us” section below.
With your consent, we may also share your personal information with companies linked to Finova to better understand you, better meet your needs, and provide the best possible service and customer experience. If you do not wish to avail yourself of this opportunity, you may not consent.
We may disclose personal information to third parties, such as identity verification companies, fraud prevention services, government agencies and mobile service providers, for the purpose of verifying your identity, your contact information and account information, as described above in the Personal Information Collected section.
With your consent, we may disclose your personal information and payment history to credit bureaus for the purpose of maintaining their records.
We may use partners or service providers for promotional purposes or to perform certain specialized services, such as hosting or data processing services, banking services and payment processing, studies, marketing and analysis services, customer service, digital support, or mail distribution.
We may share personal information in other circumstances with the user’s consent or as permitted or required by law, including as required by foreign laws applicable to us, our affiliates, and our service providers.
We may transfer personal information about you to provinces, territories, or countries other than where it was originally collected, and your personal information may be processed and stored outside your province or territory of residence, including outside Canada. These jurisdictions or countries may have different data protection laws than the jurisdiction in which you reside, in which case your personal information may be subject to applicable foreign laws. If we need to transfer your personal information to other provinces, territories, or countries, we will protect it as described in this policy.
10. Your choices and corrections
Any user have the right to access the personal information held by Finova that concerns them. We will provide you with such information within a reasonable time from the date of receipt of the written request. Reasonable fees may also be charged to process your application. Your right to access or correct your personal information is subject to any applicable legal restrictions. Before giving you access to your personal information or allowing you to correct it, we will do everything necessary to verify your identity. If information is inaccurate, incomplete, or ambiguous, the user may request in writing that it be corrected.
Any person who carries on a business for the purpose of financing or lending and who becomes aware of credit reports or recommendations concerning the solvency of natural persons, prepared by a personal information officer, must inform such persons of their right of access to and correction of the file held by the officer and indicate to them how and where they may have access to such reports or recommendations and have them corrected, if necessary. The person carrying on such a business shall communicate to the natural person who requests it the contents of any credit report or recommendation of which he has become aware in order to take a decision concerning him.
You may withdraw your consent to the collection, use and disclosure of your personal information at any time by contacting us at the contact information in the “Contact Us” section below. Please note that your right to withdraw your consent is subject to certain contractual and legal restrictions as well as sufficient notice. By withdrawing your consent, you may not be able to use certain features of the site and we may not be able to offer you certain services.
If you do not want us to use your personal information for marketing purposes, you can make a request by contacting us as described in the “Contact Us” section below.
11. Protection of Children’s Privacy
Our site is not intended for persons under 18 years of age, and we do not deliberately collect any information from persons under 18 years of age on our site. If we become aware that we have inadvertently received information from a visitor under the age of 18 on our site, we will delete this information from our records.
12. Third-Party Websites
13. Retention of your personal information
We will retain personal information for as long as is reasonably necessary to perform the services you have requested, protect our site and related services and systems from fraud or other illegal activity, respect our legal obligations and protect and enforce our rights under the law. If you withdraw your consent to the processing of your personal information or at the end of your contractual agreement with us, we will stop using and disclosing your personal information to provide our services, but we may retain your personal information if necessary for the purposes indicated above.
Any user agrees that the policy may be modified by Finova at any time and without notice and that it is bound by these modifications; therefore, Finova suggests that users check the policy regularly. Each time we do so, we change the update date at the bottom of this page. You acknowledge and agree that it is your responsibility to periodically review this policy for any changes we may have made to it.
15. To contact us
To request access to the personal information we hold about you that we use or to correct inaccuracies, please contact the person responsible for the protection of personal information in writing, to the address below.
If you have any questions about this policy or our general privacy practices, please contact us at:
By mail : 7750, Boulevard Cousineau, suite 204, en la ville de Saint-Hubert, province de Québec, J3Z 0C8.
In the event of a discrepancy between the English and French versions of the site’s content, including this policy, the French version shall take precedence.
17. Priority of Contracts
This document was last updated on October 20, 2022