Lendful Financial Ltd and its affiliates (“Company”, “we” or “us”) are committed to protecting your privacy and safeguarding your personal information. This Privacy Statement describes how we may collect, use and disclose your personal information. This Privacy Statement applies to any personal information we collect or receive about you, from any source. This Privacy Statement may be updated by Company giving reasonable notice of the revised terms (including by e-mail or by posting on our websites), and it may be supplemented or modified by your consent and/or agreements entered into with Company from time to time.
Personal information we may collect
“Personal information” in this Privacy Statement means information about an identifiable individual, as further defined in Canadian privacy laws. Examples of personal information that we may collect, use and disclose include your contact information (name, address, phone number, email address), your billing information (credit card number or banking information), purchase history, and other information that you may provide to us (such as date of birth and social insurance number which may be needed in connection with the purchase and fulfilment of certain of our products and services). Personal information does not include your name, business title, business address, and business telephone number in your capacity as an employee of an organization.
Our collection and use of personal information
In most cases, we will collect personal information directly from you when you contact us, request information from us, purchase products or services from us, or otherwise interact with us about a product or service that we offer or provide (for example, when you email us or contact us through our website). Occasionally, we may collect personal information from a third party based on your consent or as otherwise permitted by law.
In most cases, we identify the purposes for which we may collect, use and disclose your personal information at the time that we collect such information. Such purposes include providing and delivering products or services to you, responding to your inquiries, and internal business purposes such as administering or improving our website. For example, we may collect, use or disclose personal information for the purpose of making or administering your funeral and burial arrangements and to assist your personal representative, family or friends, and information required to arrange or administer an annuity or insurance contract for you. We will obtain your consent for such purposes at or before the time (e.g. at the time that you purchase a product from us) that we collect, use or disclose your personal information, except where permitted or required by law.
In some cases, the purposes for which we are collecting, using and disclosing your information will be apparent or implied from the circumstances. For example, when you contact us with a comment, question or complaint, you may be asked for information that identifies you (such as your name, address, postal code and a phone number) along with additional information we need to help us answer your question or respond to your comment or complaint. We may also retain this information to assist you in the future and to improve our customer service and product and service offerings.
If you are an employee or applicant for employment, we may collect, use and disclose personal information about you for the purposes of establishing, managing or terminating your employment with Company.
When participating in a contest or promotion, we may collect personal information, such as a contest winner’s name, city of residence, and prize winnings in order to award prizes and promote such contests. This information may be published in connection with contests.
Disclosure of personal information
We will not disclose, trade, rent, sell or otherwise transfer personal information for purposes other than as those set our herein, except with your consent or as required or permitted by law.
Company’s affiliates, which adhere to the same level of data protection, may share personal information with each other in order to fulfill the purposes that you have consented to and for the purpose of performing our obligations to you.
We may transfer your personal information to third party service providers, our partners or agents in order for them to provide services to or on behalf of Company. We will take steps to help ensure that any such service providers will provide a level of protection to your personal information comparable to that provided by us. Some service providers may be located outside of Canada where personal information may be subject to disclosure to governments, law enforcement or others pursuant to the laws of those jurisdictions. To obtain access to information about Company’s policies and practices with respect to service providers outside Canada, please contact our Chief Privacy Officer as indicated below.
We may disclose your personal information in connection with a merger or sale involving all or part of our business or as part of a corporate reorganization.
Company may collect, use or disclose your personal information for secondary marketing purposes, such as sending you our newsletter or informing you about valuable offers and information that may be of interest to you. In most cases, we will obtain your express consent. In certain circumstances, consent may be assumed where we provide you with a readily exercisable means of telling us that you do not want your personal information used for such purposes (an ‘opt out’) and you do not exercise that option. In addition to any ‘unsubscribe’ or equivalent mechanism that may accompany our communications to you, you may withdraw or vary your consent regarding such marketing, at any time, by giving reasonable notice by telephone at 1.877.996.2233 or by contacting Lendful Customer Support by email or mail as indicated below (including your name and contact information).
Accuracy of your information
We use reasonable efforts to ensure that your personal information is as accurate, complete and up-to-date as necessary for the purposes for which such information was collected. However, you are responsible for advising us of any change in your contact information or other information necessary for us perform our obligations to you.
Retaining and safeguarding personal information
We retain personal information for as long as necessary to fulfill the purposes for which it was collected and as permitted or required by law. Typically, we will retain information only so long as necessary for Company and you to perform their obligations to one another, to comply with our obligations under applicable law, or for Company’s business or legal purposes. We have implemented physical, organizational, contractual and technological security measures to help protect your personal information from loss or theft, and unauthorized access, disclosure, copying, use or modification.
Cookies and website usage information
From time to time, we collect certain usage information from our servers that relates to the use of our websites, including but not limited to Internet Protocol addresses, Internet domain names, the web browser and operating system used to access the website, the files visited, the time spent in each file, and the time and date of each visit. We use this information to improve our website, for example by enhancing pages or features that are visited frequently, and on occasion we may share this information with our affiliates or other third party companies to provide them with an indication of the amount of interest in our website for advertising purposes and to help us plan for technical improvements.
Accessing to your personal information
You may contact our Customer Support Manager in writing by email or mail to access to your personal information or to request modification or correction of inaccuracies in your personal information. To confirm your identity, we may ask you to provide additional personal information such as your name and contact information and the contract number of any contract you have with Company for the supply of a product or service. We will attempt to respond to your written request within thirty (30) days. We will advise you in writing if we cannot meet your request or access within this time limit.
You may contact our Chief Privacy Officer in writing with any complaints you may have regarding your personal information. Within a reasonable time upon receiving the written complaint, we will conduct an investigation, respond to the complaint and take any measures that may be appropriate to address the complaint.
Our Chief Privacy Officer is accountable for our compliance with this privacy statement and applicable privacy law. All comments, questions, concerns or complaints regarding your personal information should be forwarded to our Chief Privacy Officer as follows: (a) in writing at Chief Privacy Officer, Lendful Financial Ltd. 1400-888 Dunsmuir Street, Vancouver BC, V6C 3K4, (b) by telephone at 1-877.996.2233; or (c) by email at [email protected].