Privacy Policy

We take our ethical responsibilities and your privacy seriously. We have a strong commitment to providing excellent service to all our customers and visitors of this Web Site, including respecting your concerns about privacy. This Privacy Policy discloses how we collect, protect, use and share information gathered about you on our website. If you use this site you explicitly agree to the terms and conditions of the Privacy Policy in effect at the time of your use. We hope that this disclosure will help increase your confidence in our website and enhance your experience on the Internet. Therefore, in compliance with industry standards and regulations enforced typically by the Federal and Provincial Governments, we abide the following privacy policy.

Personal Information

In this Privacy Policy, "personal information" means information about an identifiable individual, such as an individual's name and email address, but does not include (to the extent permitted by law) information that is publicly available in a telephone directory or that is business contact information that enables an individual to be contacted at a place of business.

How LoanAdvisors.ca Uses Personal Information

(a) General

LoanAdvisors.ca uses your personal information collected for purposes relating to or arising from your relationship and transactions with LoanAdvisors.ca and as otherwise set out in this Privacy Policy or permitted by applicable law, including:

to facilitate your interactions and transactions with LoanAdvisors.ca, including to process your applications, requests, orders and payments;

to provide you with information (including by email and other electronic messages) regarding LoanAdvisors.ca and its products and services and related products and services offered by other businesses, to the extent permitted by applicable law;

to administer and facilitate your participation in contests and promotions related to LoanAdvisors.ca; to maintain, protect and improve LoanAdvisors.ca products and services and to develop new products and services;

to protect and enforce LoanAdvisors.ca legal rights, interests and remedies and to protect the business, operations and customers of LoanAdvisors.ca or other persons;

and to assist LoanAdvisors.ca partners (including car dealers and lenders) to collect, use, disclose and retain your personal information in accordance with this Privacy Policy.

(b) Interest-Based Advertising

LoanAdvisors.ca may use interest-based advertising services (sometimes called "remarketing" or "retargeting") provided by third party vendors (such as Google and Facebook) to display advertisements on third party websites and social media sites visited by users of a LoanAdvisors.ca. Advertising vendors (such as Google and Facebook) use cookies, pixels or tokens - unique identifiers of a web browser on a specific computer that are installed on the computer when it accesses LoanAdvisors.ca - to display ads based on the computer's past access to LoanAdvisors.ca. You can opt-out of Google's use of cookies by visiting Google's Ads Settings. You can also opt out of a remarketing vendor's use of cookies by visiting the Network Advertising Initiative's consumer opt-out page.

Browsing

This website does not collect personally identifiable information from your computer when you browse this website and request pages from our servers. This means that, unless you voluntarily and knowingly provide us with personally identifiable information, we will not know your name, your email address, or any other personally identifiable information. We may use IP addresses, browser types and access times to analyze trends, administer the site, improve site performance and gather broad demographic information for aggregate use. When you request a page from our website, our servers log the information provided in the HTTP request header including the IP number, the time of the request, the URL of your request, and other information that is provided in the HTTP header. We collect the HTTP request header information in order to make our website function correctly and provide you the functionality that you see on this website. We also use this information to better understand how visitors use our website and how we can better tune it, its contents and functionality to meet your needs.

Your Consent

By providing LoanAdvisors.ca with your personal information, you consent to the collection, use, disclosure and retention of that information by LoanAdvisors.ca and our partners (including, but not limited to auto dealers and lenders) in accordance with this Privacy Policy and as otherwise permitted by applicable law. You may withdraw your consent at any time, subject to legal or contractual restrictions and on reasonable notice to LoanAdvisors.ca.

Information That LoanAdvisors.ca Collects

(a) Information You Provide

You may be asked to voluntarily give your personal information to LoanAdvisors.ca when you interact with LoanAdvisors.ca, including when you apply for an account or membership, subscribe to a newsletter, register to receive information, apply or register for or order a product or service offered by a LoanAdvisors.ca or our partners.

(b) Credit Reports

When you apply or register for, order or use certain products or services from LoanAdvisors.ca (e.g. a referral to a car dealer or lender), LoanAdvisors.ca and/or our partners may obtain your credit score and related information from a credit reporting agency to process or fulfill the transaction, and LoanAdvisors.ca may also use the credit score and related information to update your confidential profile for use by LoanAdvisors.ca as set out in this Privacy Policy. Upon your request, we will inform you if we have ordered such a report, and will give you the name and address of the credit reporting agency that furnished the report.

You also acknowledge and agree that any dealers or other persons or organizations to which we have disclosed your personal information in accordance with this Privacy Policy, may request a credit report for any legitimate purpose associated with your application [for credit, extending credit, modifying the terms of your credit agreement, or collection on your account.]

(c) Information Regarding Referred Transactions

If LoanAdvisors.ca refers you to an independent business (e.g. a car dealer or lender) for a proposed transaction (e.g. a car purchase or loan), then LoanAdvisors.ca may collect from that independent business information regarding the transaction to update your confidential profile for use by LoanAdvisors.ca as set out in this Privacy Policy.

Disclosure of Information to Third Parties

We may disclose a consumer's personally identifiable information in order to effect or carry out any transaction that you have requested of us or as necessary to complete our contractual obligations with you. We may be compensated for this disclosure by our third-party partners. WE RESERVE THE RIGHT TO SELL, RENT OR TRANSFER YOUR PERSONAL INFORMATION TO THIRD PARTIES FOR ANY PURPOSE IN OUR SOLE DISCRETION. These companies may employ the use of an Automated Dialing-Announcing Device (ADAD) to make contact with you. We prohibit the sale or transfer of personal information to non-affiliated entities for their use without giving you the opportunity to opt-out (See Opt-Out below). We may share your personally identifiable information with affiliated companies that are directly or indirectly controlled by, or under common control of LoanAdvisors.ca. We may send personally identifiable information about you to non-affiliated companies that are not directly or indirectly controlled by, or under common control of, LoanAdvisors.ca. The personal information collected on this site and by third parties will be used to operate the site and to provide the services or products or carry out the transactions you have requested or authorized. We may change or broaden the use of your personal information at any time. We and/or our third-party partners may use your personal information to provide promotional offers to you by means of email advertising, telephone marketing, use of an Automated Dialing-Announcing Device (ADAD), direct mail marketing, banner advertising, text messages at the phone number(s) you provide, and other possible uses. You can, however, have your name put on our do-not-share list by, writing to us at the email address listed below.

Choice/Opt-out

We provide you the opportunity to 'opt-out' of having your personally identifiable information used for certain purposes, when we ask for this information. For example, if you purchase a product/service but do not wish to receive any additional marketing material from us, you can indicate your preference on our order form. If you no longer wish to receive our newsletter and promotional communications, you may opt-out of receiving them by following the instructions included in each newsletter or communication or by emailing or calling us per the information contained on our contact page. If you do not wish to have your personal information collected by any third party that is not our agent/service provider, please contact our customer service department to actively opt-out of having your personal information shared. Customer Service Contact Information:

LoanAdvisors.ca
Email: [email protected]

Service Providers

We may use other third parties to provide certain clerical and information processing and shipping services on our site. When you sign up for our services, we will share only as much information as is necessary for the provision of those services. These third parties are prohibited from using your personally identifiable information for any other purpose.

Securing the Transmission and Storage of Information

The security of your personal information is extremely important to us. We employ generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. Our site uses SSL (Secure Sockets Layer) security technology to encrypt information you provide to us through the site when entering sensitive information (such as credit card number and/or social security number) on our registration or order forms. This ensures that your information is encrypted as it travels over the Internet. SSL is an industry-standard protocol for encryption over the internet. After information reaches LoanAdvisors.ca, it is stored on a secure server that resides behind firewalls designed to block unauthorized access from outside of LoanAdvisors.ca. You can help to maintain the security of your online transactions by not sharing your personal information or password with anyone. Remember, no method of transmission over the Internet, or method of electronic storage, is 100% secure. (Example: any information you provide us by email is not encrypted) Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. If you have any questions about the security on our Web site, please feel free to e-mail us.

Log Files

As is true of most Web sites, we gather certain information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and click stream data. We use this information, which does not identify individual users, to analyze trends, to administer the site, to track users' movements around the site and to gather demographic information about our user base as a whole. We do not link this automatically-collected data to personally identifiable information.

Cookies

A cookie is a small text file that is stored on a user's computer for record-keeping purposes. We use cookies on this site. We do not link the information we store in cookies to any personally identifiable information you submit while on our site. We use session ID cookies. We use session cookies to make it easier for you to navigate our site. A session ID cookie expires when you close your browser. We can at your option set a persistent cookie to store your passwords, so you don't have to enter it more than once. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our site. If you reject cookies, you may still use our site, but your ability to use some areas of our site, such as contests or surveys, will be limited. Some of our business partners (e.g., advertisers) use cookies on our site. We have no access to or control over these cookies. This privacy statement covers the use of our cookies only and does not cover the use of cookies by any advertisers.

Clear Gifs (Web Beacons/Web Bugs)

We employ a software technology called clear gifs (a.k.a. Web Beacons/Web Bugs), that help us better manage content on our site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on a user's computer hard drive, clear gifs are embedded invisibly on Web pages and are about the size of the period at the end of this sentence. We do not tie the information gathered by clear gifs to our customers' personally identifiable information. We use clear gifs in our HTML-based emails to let us know which emails have been opened by recipients. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns. If you would like to opt-out of these emails, please see "Choice and Opt-out."

Links to Other Sites

This Web site may contain links to other sites such as our affiliates as well as third parties which are not owned or controlled by us. Please be aware that this privacy policy only addresses our company's use and disclosure of your information collected on this site. While we try to link only to sites that share our standards and respect for privacy, we are not responsible for the privacy practices of such other sites. We encourage you to be aware when you leave our site and to read the applicable privacy policies and terms of conditions of each and every Web site that collects personally identifiable information. This privacy statement applies only to information collected by this Web site.

Co-branded sites

We may be co-branded with "partners and affiliates". These business to business relationships are helpful to us and to you as they afford all concerned with greater product and service opportunities. We always provide opt-out opportunities regarding the sharing of your information with such partners and affiliates. Please note the sites linked to our site are governed by their own privacy policies which may or may not reach the standards set by our company.

Access to Personally Identifiable Information If your personally identifiable information changes, or if you no longer desire our product or service, you may correct, update, delete or deactivate same by emailing our Customer Support by contacting us by telephone or postal mail at the contact information listed below.

Customer Service

If you send us correspondence, including e-mails and faxes, we may retain such information in your customer file. Information you give us over the telephone may be noted for your file. We may also keep copies of any correspondence sent to you. We retain these records in order to provide the products and services you have requested and to measure and improve our customer service. We may, over time, delete these records as permitted by law. Phone calls may be recorded or monitored for customer satisfaction purposes. Based upon the personally identifiable information you provide, we may communicate with you to provide the services you request, and to manage your account. We may communicate via email or telephone, in accordance with your wishes.

Legal Disclaimer

We reserve the right to disclose your personally identifiable information, as required, to comply with the law, applicable regulations, governmental and quasi-governmental requests, judicial proceedings, court orders or subpoenas, to enforce our Legal Notices or other agreements, or to protect our rights, property or safety or the rights, property or safety of our users or others (e.g., to a consumer reporting agency for fraud protection etc.).

Supplementation of Information

In order to provide certain services to you, we may on occasion supplement the personal information you submitted to us with information from third party sources.

Business Transitions

In the event our company goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your personally identifiable information will likely be among the assets transferred. You will be notified via e-mail and/or a prominent notice on our Web site for 30 days of any such change in ownership or control of your personal information.

Changes to this Privacy Statement

We reserve the right to modify this privacy statement at any time. We will not jeopardize your privacy. The provisions contained in this privacy statement supersede all previous notices or policies regarding our privacy practices with respect to this site. Any and all changes will be made here, to this privacy statement. We encourage you to check our site frequently to see the current privacy statement to be informed of how we are committed to protecting your information and providing you with improved content on our website in order to enhance your online experience. Upon any material changes to the policy statement, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.

Contact Us

If you have any questions, comments, complaints or suggestions regarding our privacy policy or our website, please contact us at [email protected].

Terms & Conditions

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THE LOANADVISORS.CA WEBSITE. THESE TERMS OF USE ARE A BINDING AGREEMENT THAT GOVERNS USE OF THE LOANADVISORS.CA WEBSITE, EXEMPTS LOANADVISORS.CA AND OTHER PERSONS FROM LIABILITY, SPECIFIES THE JURISDICTION FOR THE RESOLUTION OF DISPUTES AND CONTAINS OTHER IMPORTANT PROVISIONS.

BY USING THE LOANADVISORS.CA WEBSITE, YOU ACKNOWLEDGE AND SIGNIFY THAT YOU HAVE READ, UNDERSTAND AND AGREE TO THESE TERMS OF USE. IF YOU DO NOT AGREE TO THESE TERMS OF USE, THEN YOU MAY NOT USE THE LOANADVISORS.CA WEBSITE.

Important: After filling out the form on our website you will be contacted by phone, email, SMS or all three by LoanAdvisors.ca and/or up to three of our partners (eg auto dealerships and lenders). Additionally, you may be added to the LoanAdvisors.ca email newsletter and that of our partners. These newsletters will contain information, tips and advice on auto and other finance-related topics as well as special promotions related to the same. You may withdraw your consent to receive email from LoanAdvisors.ca by clicking the "unsubscribe" link located at the bottom of every email or emailing [email protected] with your request to be removed from our list. You may also withdraw your consent to receive email from each of our partners individually by clicking the "unsubscribe" link in their emails or by responding to any email received requesting to be removed from their list.

These Terms of Use relate to the Website only. Products and services advertised on or available through the Website are governed by other applicable agreements prescribed by LoanAdvisors.ca or its corporate affiliates, including the LoanAdvisors.ca General Terms of Service.

The Website may be used only by individuals (natural persons) who are located in Canada, are the age of majority (which in most jurisdictions is either 18 or 19 years) in the jurisdiction in which they live and are capable of forming a binding contract under applicable law. The Website may not be used by individuals who are located outside Canada. You may not use the Website if you do not accept and agree to these Terms of Use, if you have breached these Terms of Use or if your permission to use the Website has been suspended or terminated by LoanAdvisors.ca

The Website is for informational and educational purposes only. The Website is not intended to be a comprehensive or detailed statement concerning the matters addressed, and is not professional advice or recommendations (including financial, legal or other professional advice). It is your responsibility to obtain appropriate advice suitable to your particular circumstances from a qualified professional before acting or omitting to act based on any information obtained on or though the Website.

If you apply for a loan or other credit product or service through this website, you may be asked to consent to LoanAdvisors.ca and/or our third party business affiliates collecting, using and/or disclosing the personal information that you provide to us to confirm your financial situation and your initial and ongoing eligibility for such credit products and services. In order to provide you with such products and services, you may be contacted by LoanAdvisors.ca and/or our third party business affiliates. In addition, you may also be asked to allow LoanAdvisors.ca and/or our third party business affiliates to perform a credit check on you, based on the information you have provided, to confirm your financial situation and your initial and ongoing eligibility for such products and services.

Unless you advise us otherwise, LoanAdvisors.ca and our third party business affiliates may offer you related products, services and pre-qualifications for other related or non-related credit or financial products and services. You acknowledge that: (i) all communications to you from LoanAdvisors.ca and its third party business affiliates may be done via SMS, telephone, email and postal mail; and (ii) LoanAdvisors.ca and our third party business affiliates may receive a referral fee for providing you with or referring you to a loan or other credit product or service.

Restrictions on Use of Our Online Materials

All Online Materials on the LoanAdvisors.ca site, including, without limitation, text, software, names, logos, trademarks, service marks, trade names, images, photos, illustrations, audio clips, video clips, and music are copyrighted intellectual property. All usage rights are owned and controlled by LoanAdvisors.ca. You, the visitor, may download Online Materials for non-commercial, personal use only provided you 1) retain all copyright, trademark and propriety notices, 2) you make no modifications to the materials, 3) you do not use the materials in a manner that suggests an association with any of our products, services, events or brands, and 4) you do not download quantities of materials to a database, server, or personal computer for reuse for commercial purposes. You may not, however, copy, reproduce, republish, upload, post, transmit or distribute Online Materials in any way or for any other purpose unless you get our written permission first. Neither may you add, delete, distort or misrepresent any content on the LoanAdvisors.ca site. Any attempts to modify any Online Material, or to defeat or circumvent our security features are prohibited. Everything you download, any software, plus all files, all images incorporated in or generated by the software, and all data accompanying it, is considered licensed to you by LoanAdvisors.ca or third-party licensers for your personal, non-commercial home use only. We do not transfer title of the software to you. That means that we retain full and complete title to the software and to all of the associated intellectual-property rights. You're not allowed to redistribute or sell the material or to reverse-engineer, disassemble or otherwise convert it to any other form that people can use.

Submitting Your Online Material to Us

All remarks, suggestions, ideas, graphics, comments, or other information that you send to LoanAdvisors.ca through our site (other than information we promise to protect under our privacy policy becomes and remains our property, even if this agreement is later terminated. That means that we don't have to treat any such submission as confidential. You can't sue us for using ideas you submit. If we use them, or anything like them, we don't have to pay you or anyone else for them. We will have the exclusive ownership of all present and future rights to submissions of any kind. We can use them for any purpose we deem appropriate to our LoanAdvisors.ca mission, without compensating you or anyone else for them. You acknowledge that you are responsible for any submission you make. This means that you (and not we) have full responsibility for the message, including its legality, reliability, appropriateness, originality, and copyright.

Limitation of Liability

LOANADVISORS.CA WILL NOT BE LIABLE FOR ANY DAMAGES OR LOSS THAT ACCOMPANY OR RESULT FROM YOUR USE OF ANY OF ITS SITE. THESE INCLUDE (BUT ARE NOT LIMITED TO) DAMAGES OR LOSS CAUSED BY ANY: USE OF (OR INABILITY TO USE) THE SITE USE OF (OR INABILITY TO USE) ANY SITE TO WHICH YOU HYPERLINK FROM OUR SITE FAILURE OF OUR SITE TO PERFORM IN THE MANNER YOU EXPECTED OR DESIRED ERROR ON OUR SITE OMISSION ON OUR SITE INTERRUPTION OF AVAILABILITY OF OUR SITE DEFECT ON OUR SITE DELAY IN OPERATION OR TRANSMISSION OF OUR SITE COMPUTER VIRUS OR LINE FAILURE PLEASE NOTE THAT WE ARE NOT LIABLE FOR ANY DAMAGES, INCLUDING: DAMAGES INTENDED TO COMPENSATE SOMEONE DIRECTLY FOR A LOSS OR DAMAGES REASONABLY EXPECTED TO RESULT FROM A LOSS (KNOWN IN LEGAL TERMS AS "CONSEQUENTIAL DAMAGES.") OTHER MISCELLANEOUS DAMAGES AND EXPENSES RESULTING DIRECTLY FROM A LOSS (KNOWN IN LEGAL TERMS AS "INCIDENTAL DAMAGES.") WE ARE NOT LIABLE EVEN IF WE'VE BEEN NEGLIGENT OR IF OUR AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR BOTH. EXCEPTION: CERTAIN STATE LAWS MAY NOT ALLOW US TO LIMIT OR EXCLUDE LIABILITY FOR THESE "INCIDENTAL" OR "CONSEQUENTIAL" DAMAGES. IF YOU LIVE IN ONE OF THOSE STATES, THE ABOVE LIMITATION OBVIOUSLY WOULD NOT APPLY WHICH WOULD MEAN THAT YOU MIGHT HAVE THE RIGHT TO RECOVER THESE TYPES OF DAMAGES. HOWEVER, IN ANY EVENT, OUR LIABILITY TO YOU FOR ALL LOSSES, DAMAGES, ICAURIES, AND CLAIMS OF ANY AND EVERY KIND (WHETHER THE DAMAGES ARE CLAIMED UNDER THE TERMS OF A CONTRACT, OR CLAIMED TO BE CAUSED BY NEGLIGENCE OR OTHER WRONGFUL CONDUCT, OR THEY'RE CLAIMED UNDER ANY OTHER LEGAL THEORY) WILL NOT BE GREATER THAN THE AMOUNT YOU PAID IF ANYTHING TO ACCESS OUR SITE.

Links to Other Site

We sometimes provide referrals to and links to other World Wide websites from our site. Such a link should not be seen as an endorsement, approval or agreement with any information or resources offered at sites you can access through our site. If in doubt, always check the Uniform Resource Locator (URL) address provided in your WWW browser to see if you are still in a LoanAdvisors.ca-operated site or have moved to another site. LoanAdvisors.ca is not responsible for the content or practices of third party sites that may be linked to our site. When LoanAdvisors.ca provides links or references to other websites, no inference or assumption should be made and no representation should be inferred that LoanAdvisors.ca is connected with, operates or controls these websites. Any approved link must not represent in any way, either explicitly or by implication, that you have received the endorsement, sponsorship or support of any LoanAdvisors.ca site or endorsement, sponsorship or support of LoanAdvisors.ca, including its respective employees, agents or directors.

Termination of This Agreement

This agreement is effective until terminated by either party. You may terminate this agreement at any time, by destroying all materials obtained from all LoanAdvisors.ca websites, along with all related documentation and all copies and installations. LoanAdvisors.ca may terminate this agreement at any time and without notice to you, if, in its sole judgment, you breach any term or condition of this agreement. Upon termination, you must destroy all materials. In addition, by providing material on our website, we do not in any way promise that the materials will remain available to you. And LoanAdvisors.ca is entitled to terminate all or any part of any of its website without notice to you.

Jurisdiction and Other Points to Consider if you use our site from locations outside of Canada, you are responsible for compliance with any applicable local laws. These Terms of Use shall be governed by, construed and enforced in accordance with the laws of the British Columba, Canada, as it is applied to agreements entered into and to be performed entirely within such jurisdiction. To the extent you have in any manner violated or threatened to violate LoanAdvisors.ca and/or its affiliates' intellectual property rights, LoanAdvisors.ca and/or its affiliates may seek injunctive or other appropriate relief in any court in the province of British Columbia, Canada, and you consent to exclusive jurisdiction and venue in such courts.

For more information, contact us at [email protected].