Your privacy is important to us. This Privacy Policy describes the types of information that loveyourloan.ca (“we,” or “us”) collects from and about visitors to our websites where this privacy policy is posted (each as “Site”). This Privacy Policy also describes how we may use and disclose such information, as well as your ability to control certain uses of it.

By using this Site, you agree to the collection, use, and disclosure of your information as described in this Privacy Policy. This Privacy Policy is incorporated into and is made part of the website Terms of Use located at loveyourloan.ca/terms-of-use. If, for any reason, you do not agree to these terms, please do not use the Site.

1. INFORMATION COLLECTED

There are several ways we may collect information about you, including through (A) information you provide to us; (B) information that we automatically collect; and (C) information we receive from third parties. This includes data that identifies you personally whether directly (i.e., your name) or indirectly (i.e., information about your online use).

A. Information You Provide to Us

We collect personal information from you when you choose to share it with us. This may include when you use our Site, create an online account with us, submit an application for financing, post a request for information about products or services, request support, or otherwise contact or communicate with us.

The personal information we collect may include, but may not be limited to, your contact information, such as name, email address, address or portal code, and telephone number; information about your domicile & monthly liabilities, such as home ownership & monthly payments; or demographic information, such as geographic area, when any of this information is linked to personal information that identifies you; and other interests or preferences that you provide.

Information You Provide Through Social Media. If you connect or link to us through a social media account, we may automatically receive certain information about you based on your registration and privacy settings on those third party websites or services. This may include, but may not be limited to, name, user name, demographic information, updated address or contact information, location, interests, and publicly-observed data, such as from social media and online activity.

B. Information Automatically Collected

Whenever you visit or interact with the Site, we may use a variety of technologies such as cookies, clear GIFs (also known as “Web beacons”), pixel tags, log files, and other technologies or third party services to automatically or passively collect certain information about users of our Site and interactions with our emails and online advertisements. If we link or associate any information automatically collected on the Site with personal information, we will treat the combined information as personal information under this Privacy Policy.

Please note that we automatically collect the following information about you:

• Computer or Device Information: We may automatically collect your Internet Protocol (“IP”) address or other unique identifier or information from the computer, mobile device, tablet or other device you use to access the Site, including but not limited to your browser type, device type, system type, and the domain name from which you accessed the Site.
• Usage Information: We may collect information about your use of the Site, including the date and time you visit the Site, the content, areas, or pages of the Site that you visit, the website from which you navigated to the Site, the page you visit after leaving the Site, the amount of time you spend viewing or using the Site, the number of times you return to the Site, as well as other click-stream or site usage data, emails that you open, forward or click-through to our Site. For legal compliance purposes, we may also capture or record your interactions with the Site to confirm that your information was submitted to us through this Site.
• Via Our Third-Party Service Providers: We may use third-party service providers to support our Site. Some of these service providers may use technology such as cookies, web beacons, pixel tags, log files, Flash cookies, or HTML5 cookies to receive, collect, and store information.
• Use of Third-Party Analytics and Technologies: We may use third parties’ analytic and tracking tools, such as Google Analytics for Display Marketing to better understand who is using the Site, how people are using the Site and how to improve the effectiveness of the Site and its content, and to help us or those parties serve more targeted advertising to you across the Internet. These tools may use cookies, web beacons, pixel tags, log files, Flash cookies, or other technologies to collect and store non-personal information. They may also combine information they collect from your interaction with Site with information they collect from other sources. We do not have access to, or control over, these third parties’ use of cookies or other tracking technologies.

To learn more about our interest-based advertising and your advertising choices relating to the collection and use of your information, please see the “How We Use Your Information” and “Your Choices and Opting Out” sections below.

C. Information We Collect from Other Sources

We may acquire information from other sources as follows:

• From Our Partners and Service Providers: We may obtain information from our third-party partners and service providers (including, for example, business partners, analytics vendors, advertising networks and search information providers).
• From Other Third Parties: We may obtain information about you from other third-party sources, including commercially-available sources, such as data aggregators and public databases. This information may include your name, demographic information, interests, and publicly-observed data, such as from social media, online activity, and shopping behaviour.

We may use this information to help us maintain the accuracy of the information we collect, personalize your experience with the Site, target our communications so that we can inform you of products, services or other offers that may be of interest to you, to measure ad quality and responses, and for internal business analysis or other business purposes.

D. Combination of Information

We may combine the information that we receive from and about you, including information you provide to us and information we automatically collect through the Site, as well as information collected from other online or offline sources, or from third-party sources.

2. HOW WE USE YOUR INFORMATION

A. Information Use By or For Us

We may use the information we collect from and about you for any of the following purposes:

• To respond to your inquiries, and provide the services and information you request;
• To analyze, improve, operate, and maintain the Site, our programs, services, website, and other systems, and to develop new products and services;
• To tailor or enhance your user experience, including as a way to recognize and welcome you to the Site, and to provide customized Site content, targeted offers, and advertising on the Site, or across other third-party websites, mobile applications, social media, or online services, or via email;
• To maintain a record of our interactions with you;
• To contact you via direct mail, email and/or telemarketing regarding offers, contests, events, news, programs, and other retail opportunities from us and/or selected third parties that we believe may be of interest to you;
• To use your data in an aggregated non-specific format for analytical and demographic purposes;
• To address problems with the Site or our business;
• To protect the security or integrity of the Site and our business, such as by protecting against and preventing fraud, unauthorized transactions, claims and other liabilities, and managing risk exposure, including by identifying potential hackers and other unauthorized users;
• To comply with our legal obligations; and
• As otherwise described to you at the point of data collection.

Additionally, if you use the Site to connect with third party financing services you authorize us to use information from and about you, on your behalf, to interact with these third-party services based on your requests.

B. How We Use Your Information for Interest-Based Advertising

We may use third parties to measure and target advertisements for us about our products and services that are tailored to your online interests. We allow these third-party companies to use cookies, web beacons, pixel tags and similar technologies to collect certain data and other information about your online activity. This information is used to display advertisements for us on the Site or across other websites, mobile applications, social media or online services that you use.

We also may display interest-based ads through Facebook, Twitter, or other social media platforms or websites. This is done through the Facebook Custom Audiences, Twitter Tailor Audiences, or other similar business tools. These tools allow us to personalize our ads based on your shopping experience with us, without having to share your personal information with these social media platforms. We do this only by sharing hashed information (which converts your email or phone number to a unique string of numbers and letters) that the social media platform then matches data against its own data for the limited purpose of serving advertisements (either directly to you or to other lookalike audiences). The matched and unmatched hashes are then deleted, and are not used for any other purpose.

For information on your choices with respect to interest-based ads, see the “Interest Based Advertising Choices” section below.

3. HOW WE SHARE YOUR INFORMATION

We may share or disclose the information we collect from and about you as described below.

A. Sharing of Information by You

The Site offers many ways to find, enjoy, and share content. Your activity in connection with the Site may include filling out surveys, reviewing and rating products or services, inquiring about financing services, participation in online communities, “liking” or “sharing” our content to your social media accounts or pages or otherwise interacting with the Site. Any information you may disclose on our Site, in blogs, on message boards, in chat rooms, or on other public areas on the Site or other third-party websites, applications, or services that this Site may link to, becomes public information. Please exercise caution when disclosing personal information in these public areas.

B. Sharing of Information by Us

We may share or disclosure your personal information as follows:

• Affiliate Companies or Subsidiaries: We may share your information with any parent company or any subsidiaries, joint venture partners, or other companies that we control or are under common control with us.
• Selling Personal Information: We are a lead generation company and are in the business of selling personal information about our users and visitors to third parties, such as, without limitation, personal/auto/home finance providers and/or consultants/brokers. When you submit an application form, or otherwise request that finance providers contact you, we may sell, disclose, or otherwise share your information to finance providers, and/or consultants/brokers, or other third party service providers not affiliated with us. The third parties that purchase or receive your information from us may then (i) use your personal information for their own purposes (including for commercial purposes), (ii) contact you regarding their products and services, and/or (iii) further disclose your personal information to other third parties for their own commercial purposes.
• Marketing Partners and Other Third Parties: We may share your information with our marketing partners or other third parties to bring selected retail opportunities, offers, contests, programs, events or news to you via direct mail, email and/or telemarketing. You may have no relationship with these other companies. We are not responsible for the content of any third party communications sent to you and you will need to opt out of those communications separately, if desired.
• Service Providers: We may share your information with our third party service providers that provide business, professional or technical support functions for us, including to the extent necessary or desirable to help run promotions, fulfill orders, complete your transaction, or provide customer service. These service providers may have access to personal information about our site visitors if it is needed to perform their functions for us, but they are not authorized by us to use or disclose the information, except as necessary to perform services on our behalf or to comply with legal requirements.
• Legal Matters; Safety: We may access and disclose your information to respond to judicial process or provide information to law enforcement or regulatory agencies or in connection with an investigation on matters related to public safety, as permitted by law, or otherwise as required by law. We also may disclose your information as necessary, if we believe that there has been a violation of our Terms of Use, or if it is in our interest to protect our property or other legal rights (including, but not limited to, enforcement of our agreements) or the rights or property of any third party.
• Sale or Transfer of Business or Assets: Information about our users, including personal information, may be disclosed and/or sold as part of any merger, acquisition, debt financing, sale of company assets, or similar transaction by us, as well as in the event of an insolvency, bankruptcy or receivership in which personal information could be transferred and/or sold to third parties as one of our business assets.
• Aggregate or Anonymous Non-Personal Information: We may share aggregate, anonymous, or de-identified non-personal information with third parties for their marketing or analytics uses.
• Other: We may share your information as described to you at the point of collection.

4. YOUR CHOICES AND OPTING OUT

A. Cookies, Tracking Options and Do Not Track Disclosures

Certain parts of our Site require cookies. You may adjust your device or Internet browser settings to limit certain tracking or to decline cookies, but by doing so, you may not be able to use certain features on the Site or take full advantage of all of our offerings. Please refer to your device’s settings or your Internet browser’s “Help” section for more information on how to delete and/or disable cookies or to control your tracking preferences.

Our system may not recognize “do not track” (DNT) requests or headers from some or all browsers. We may use cookies or other technologies to deliver more relevant advertising and to link data collected across other computers or devices that you may use.

B. Interest-Based Advertising Choices

To understand your choices for receiving more relevant advertising provided on the Service or across other websites and online services, please review the information below:

• To learn more about such interest-based advertising, and to opt out of such collection and use for interest-based advertising by the Digital Advertising Alliance (DAA) participating companies, please visit http://www.aboutads.info/choices/.
• To opt out from the use of information about your online activities for interest-based advertising by Network Advertising Initiative (NAI) member companies, please visit http://www.networkadvertising.org/choices/.
• To opt out of the use of your mobile device ID for targeted advertising, please see http://www.aboutads.info/appchoices.
• If you wish to prevent your data from being used by Google Analytics, Google has developed the Google Analytics opt-out browser add-on available at https://tools.google.com/dlpage/gaoptout/.
• On your mobile device, you may also adjust your privacy and advertising settings to control whether you want to receive more relevant advertising.
• Even if you opt out, you still may receive advertising from us that is not customized based on your Service or usage information, or advertising from other third parties if they are not a DAA or NAI participating company.

C. Unsubscribing from Our Marketing Communications

We provide our customers with the opportunity to opt out of having their information used for purposes not directly related to placement, processing, fulfillment, or delivery of a product or service. To opt out of marketing communications or to request to be added to our Do Not Call List or Do Not Mail List, you may use one of these convenient methods:

• Electronic Promotional Offers: If you receive commercial email from us, you may unsubscribe at any time by following the instructions contained within the email. You may also opt out from receiving commercial email from us by sending us an email or by writing to us at the address given at the end of this policy. You should note that unsubscribing from our electronic mailings will not automatically unsubscribe your information from electronic communications sent by any third party, and you will need to separately unsubscribe from such third party’s communication, if desired.
• Direct Mail Offers: If you do not wish to be notified by postal mail regarding products, services, events, programs, and offers that we believe you may find of interest, you may opt out from such communications by sending us an email or by writing to us at the address given at the end of this policy.
• Telemarketing: If you do not want to receive marketing phone calls from us, you may: (i) email us at i[email protected] with “Do Not Call” in the subject line; (ii) ask to be placed on our Do Not Call list when you receive a call from us; or (iii) mail us at the address given at the end of this policy. Once we place your name on our internal “Do Not Call” list, we will no longer call you for marketing purposes (unless you submit another inquiry or request another application from us subsequent to your initial request). Your instructions to limit the use of your information for these purposes will be processed as soon as reasonably practicable. Also, our Do-Not-Call process applies to calls made by us or by entities on our behalf. You may still receive calls from third parties who are not calling on our behalf regarding their products and services in which case you will need to request that those parties not call you, on a case-by-case basis.

D. Unsubscribing from Third Party Communications

Any third parties to whom we may disclose personal information may have their own privacy policies which describe how they use and disclose personal information, and your choices. If you want to learn more about their privacy practices, we encourage you to visit the websites of those third parties.

5. CHILDREN’S PRIVACY

Protecting children’s privacy is important to us. We do not direct the Site to, nor do we knowingly collect any personal information from, children who are under the age of 18. If we learn that a child under the age of 18 has provided personal information to the Site, we will use reasonable efforts to remove such information from our files.

6. THIRD-PARTY CONTENT, LINKS, AND PLUGINS

For your convenience, the Site may contain links to other websites, products, or services that we do not own or operate and which have privacy policies that differ from our own. If you choose to visit or use any third-party products or services, please be aware that this policy will not apply to your activities or any information you disclose while interacting with third parties, and we are not responsible for the practices of such third parties or websites.

The Site also may offer you the ability to interact with social plugins from social media sites, which may allow us and/or the social media site to receive data from or about you. In some cases, we may know that you clicked on a social plugin, such as a Twitter Follow button, or receive other information from the social media sites. Similarly, if you have previously provided personal information to a third-party operating a plug-in on the Site, then such third-party may recognize you on the Site. Your choice to use social network plugins and provide your information to them is subject to each social media site’s privacy policy, which may be different from ours, so please read these policies carefully to understand their policies and your options. As with linked sites, we have no control over the information that is collected, stored, or used by social network plugins, and are not responsible for the practices of such sites.

7. INTERNATIONAL VISITORS

The Site is hosted in the Canada and is generally intended for Canadian visitors. If you visit from the European Union or other regions with laws governing data collection and use that may differ from Canadian law, please be aware that you are transferring personal information to the Canada. Canada does not have the same data protection laws as the EU and some other regions. By providing personal information to us, you consent to the transfer of it to Canada and the use of it in accordance with this policy.

8. DATA SECURITY

We use reasonable security measures that are designed to protect personal information from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. Please note, however, that no data security measures can be guaranteed to be completely effective. Consequently, we cannot ensure or warrant the security of any personal information or other information. You transmit personal information to us at your own risk.

9. UPDATES TO THIS PRIVACY POLICY

We may occasionally update this Privacy Policy. When we do, we will we will post the change(s) on the Site also update the “last updated” date at the end of this Privacy Policy. Your continued use of the Site following the posting of changes means you accept the changes. We encourage you to periodically review this policy to stay informed about how we collect, use, and disclose personal information. If we change the Privacy Statement in a material way, we will provide appropriate notice to you.

10. CONTACTING US

If you have any questions, comments, or concerns about this privacy policy, email us at [email protected].

This policy was last updated October 5, 2020.