Privacy Policy
Your Privacy Matters
FatCatLoans.ca (“Website”, “we”, “us”, or “our”) is committed to protecting your personal information in accordance with applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and, where applicable, Quebec’s Law 25.
This Privacy Policy explains how we collect, use, disclose, store, and protect your personal information when you use our Website and services.
1. Accountability
We are responsible for personal information under our control and have designated a Privacy Officer responsible for ensuring compliance with applicable privacy laws. If you have questions or concerns, you may contact us at [email protected].
2. What Information We Collect
We collect personal information necessary to provide our services, which may include:
- Contact details (name, email address, phone number)
- Financial and employment information
- Identification information (such as date of birth and, where required by lenders, Social Insurance Number (SIN))
- Technical information (IP address, browser type, device identifiers, cookies)
We may also collect information from third parties such as lenders, credit reporting agencies, marketing partners, and service providers.
3. How We Use Your Information
Your personal information may be used for the following purposes:
- Assessing your eligibility for financial products
- Connecting you with licensed Canadian lenders and financial service providers
- Verifying your identity and preventing fraud
- Improving Website functionality and user experience
- Conducting analytics, research, and marketing performance measurement
4. Consent
By providing your personal information, you consent to its collection, use, and disclosure as described in this Privacy Policy. Consent may be express or implied, depending on the circumstances and as permitted under Canadian law.
You may withdraw your consent at any time, subject to legal or contractual restrictions, by contacting us.
5. Communications and CASL Compliance
In accordance with Canada’s Anti-Spam Legislation (CASL), you consent to receive communications from us and our partners via email, SMS, and telephone for purposes related to your inquiry or application.
You may unsubscribe or withdraw consent at any time using the provided mechanisms or by contacting us directly.
6. Disclosure of Your Information
We may disclose your personal information to:
- Licensed lenders and financial service providers to process your application
- Credit reporting agencies where permitted under applicable laws
- Service providers assisting in Website operation, analytics, or marketing
- Regulatory authorities, law enforcement, or other parties where required by law
All third parties are required to protect your information in accordance with applicable privacy standards.
7. Automated Decision-Making
Your personal information may be used by our partners to evaluate your eligibility for financial products using automated systems. These processes are controlled by the lender, and final decisions rest with them.
8. Data Retention
We retain personal information only for as long as necessary to fulfill the purposes outlined in this Policy, including legal, regulatory, fraud prevention, and business requirements. Retention periods may vary depending on the nature of the information and applicable obligations.
9. Safeguards and Security
We implement appropriate administrative, technical, and physical safeguards to protect personal information against unauthorized access, loss, misuse, or disclosure.
10. Data Breach Procedures
In the event of a breach involving personal information that poses a real risk of significant harm, we will notify affected individuals and report the incident to the Office of the Privacy Commissioner of Canada (OPC) as required by law.
11. Your Rights Under Canadian Law
You have the right to:
- Request access to your personal information
- Request correction of inaccurate or incomplete data
- Withdraw consent for certain uses of your information
Requests can be made by contacting us using the details below.
12. Cross-Border Data Transfers
Your personal information may be processed or stored outside of Canada. While we take reasonable steps to protect your data, it may be subject to the laws of foreign jurisdictions.
13. Cookies and Tracking Technologies
We use cookies and similar technologies to improve Website functionality, analyze user behavior, and support advertising activities. This may include tools such as Google Analytics and advertising platforms like Meta Ads or Google Ads.
You can control or disable cookies through your browser settings. Disabling cookies may impact Website functionality.
14. Third-Party Services
We are not responsible for the privacy practices of third-party lenders, websites, or services. We encourage you to review their privacy policies before providing personal information.
15. Children’s Privacy
This Website is not intended for individuals under the age of 18, and we do not knowingly collect personal information from minors.
16. Office of the Privacy Commissioner of Canada
If you have concerns about how your personal information is handled, you may contact the Office of the Privacy Commissioner of Canada (OPC) or your applicable provincial authority.
17. Updates to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. Updates will be posted on this page.
18. Contact Us
If you have questions about this Privacy Policy or your personal information, please contact us at:
Email: [email protected]