Privacy Policy

1. Introduction

Check Station is committed to protecting the privacy of its customers and visitors. This privacy policy explains how we collect, use, disclose, and protect your personal information in accordance with Canada's Act respecting the protection of personal information in the private sector and applicable federal laws.

2. Information Collected

We collect the following types of information:

• Identification information: Name, first name, date of birth, social insurance number
• Contact information: Address, telephone number, email address
• Financial information: Income, bank information, credit history
• Employment information: Employer, position, length of employment
• Browsing data: IP address, browser type, pages visited

3. Use of Information

Your personal information is used to:

• Evaluate your loan application and your ability to repay
• Verify your identity and prevent fraud
• Manage your account and process your payments
• Communicate with you regarding your account
• Comply with our legal and regulatory obligations
• Improve our services and your user experience

4. Instant Bank Verification (IBV)

Our IBV process uses secure technology to verify your bank information. This system:

• Never accesses your bank login credentials (username and password)
• Uses bank-grade encryption (SSL 256-bit)
• Does not store your bank login information
• Only accesses the data necessary to evaluate your application

5. Sharing of Information

We do not sell your personal information. We may share your information with:

• Service providers: who help us process payments and verify information
• Legal authorities: when required by law or to protect our rights
• Credit agencies: to report payment history (with your consent)

6. Protection of Information

We implement appropriate security measures to protect your information:

• 256-bit SSL encryption for all data transmissions
• Restricted access to personal information based on the principle of need-to-know
• Continuous monitoring of our systems
• Regular training of our employees on data protection

7. Retention of Information

We retain your personal information for as long as necessary for the purposes for which it was collected, to comply with our legal obligations, resolve disputes, and enforce our agreements. Generally, loan records are retained for a period of 7 years after the account is closed.

8. Your Rights

In accordance with the law, you have the right to:

• Access your personal information held by us
• Request the correction of inaccurate information
• Withdraw your consent (subject to legal restrictions)
• File a complaint with the Canada Access to Information Commission

9. Policy Changes

We reserve the right to modify this privacy policy at any time. Changes will be posted on this page with a new update date. We encourage you to review this policy regularly.

10. Data Protection Officer

For any questions regarding this policy or to exercise your rights, please contact our Data Protection Officer:

We are here to help you!

Email: info@checkstation.ca