Privacy Policy
CoolCash Canada Ltd. (referred to below as “CoolCash Canada”, “we”, “us” and “our”) is committed to protecting privacy and maintaining high standards of confidentiality and security. This Privacy Policy describes the principles and practices that we follow regarding how we collect, use, disclose and safeguard Personal Information that is provided to us.
In this Privacy Policy, the term “Personal Information” means information that is provided to or collected by us regarding an identifiable individual.
Types of Information We Collect
CoolCash Canada is a provider of payday loans and other short term consumer loans. We collect Personal Information for purposes associated with the products and services that we offer. In particular, Personal Information is collected and used in order to assess and evaluate credit applications, offer and administer our products and services, and collect amounts owed to us.
Personal Information that we collect may include:
- your name
- your contact information, such as your address, telephone number and email address
- information to help establish your identity, such as your date of birth and social insurance number
- information regarding your employment, such as the identity of and contact information for your employer, your position, your compensation and your pay period
- your bank account information, routing numbers and other information required to process payments
- your credit history and credit score
- your preferences
- other browsing data
- any other Personal Information that you voluntarily choose to provide to us
We may collect Personal Information directly from you, from third parties such as your employer, credit reporting agencies and information service providers, from your social media accounts (such as Facebook, Instagram or other services) and from publicly available records.
How We Use and Disclose Personal Information
CoolCash Canada may use and disclose Personal Information for the following purposes:
- Establishing your identity
- Determining your eligibility for our products and services
- Assessing your credit
- Providing our products and services to you
- Advancing funds to you
- Collecting payment from you
- Reporting to credit agencies
- Ensuring that we promote safe and responsible borrowing
- Complying with legal and regulatory requirements
- As necessary for insurance and security requirements
- To detect and prevent fraud, money laundering or other illegal activities
- To keep your information and preferences accurate
- For marketing our products and services to you by email or other means, if you have subscribed to one of our mailing lists
- Any other purpose which is permitted or required by applicable law
We may also disclose your Personal Information for any other purpose to which you consent. CoolCash Canada does not sell any of your Personal Information.
We may disclose Personal Information to our affiliates and to third party agents and service providers that perform services on our behalf in connection with our business, such as call centers, collection agencies, marketing services, analytics service providers, information technology providers and data hosting and processing services. Any Personal Information that is disclosed to these affiliates and third parties is subject to the terms and conditions of this Privacy Policy, and we require these parties to use appropriate security measures to protect Personal Information in accordance with the standards described in this Privacy Policy.
If you have subscribed to one of our mailing lists, CoolCash Canada may periodically send marketing and promotional offers to you. Any marketing messages sent by CoolCash Canada will give you the opportunity to update your contact details and mailing list preferences or unsubscribe from our mailing lists altogether. If you do not wish to receive marketing messages from CoolCash Canada, please follow the unsubscribe link in one of our marketing messages to update your preferences or to unsubscribe. You may also contact us using the contact information below.
Personal Information may be subject to transfer to another organization in the event of corporate transaction, such as a merger or change of ownership. This will occur only if the parties have entered into an agreement under which the collection, use and disclosure of the information is restricted to those purposes that relate to the business transaction, including determining whether or not to proceed with the business transaction, and is used by the parties to carry out and complete the business transaction.
This Privacy Policy does not cover any information about an individual where the identity of the individual is not known and cannot be inferred (“Aggregated Information”). CoolCash Canada retains the right to use Aggregated Information in any way that it reasonably determines is appropriate.
Limiting Collection, Use, Disclosure and Retention of Personal Information
The length of time that CoolCash Canada retains your Personal Information may vary depending on the services you have requested and your relationship with us. Personal Information will be used and retained by CoolCash Canada so long as it is reasonably required to fulfill a purpose identified in this Privacy Policy or as otherwise required to be retained by law.
CoolCash Canada uses secure procedures to destroy, delete or erase Personal Information or convert it into an anonymous form.
Our Website and Cookies
In general, you can view our website and app without giving us any Personal Information. If you are one of our anonymous visitors, please bear in mind that we may still record certain analytical information as described below.
CoolCash Canada may use cookies, web beacons/pixel tags, log files and other technologies to collect certain information about visitors to our website and app, and recipients of our other communications. When you visit our website or use our app, we may collect information about your visit including your IP address, your geographic region (as determined from IP address), clickstream through our website or app, the date and time or your visit, information about your device and network such as the browser you use and its configuration, your connection speed, the pages you view or search for on our website or app, what links you click, what you download, our page response times, any download or other errors, the length of your visit, and whether any emails we send are opened. We may use this information to improve the functionality of our website and app, to tailor or improve the content that we may send or show you, to improve our products and services, and for analytical purposes to understand how visitors interact with our website and app and any messages and the information we provide.
Consent
If you provide any Personal Information to CoolCash Canada, then providing this information means that you have agreed and consented to our collection, use and disclosure of your Personal Information in accordance with this Privacy Policy. If you do not agree with these terms, do not provide any Personal Information to us. However, our products and services can only be offered if you provide Personal Information to us and we may not be able to offer products and services to you if you choose not give us any required Personal Information.
Consent may be given in different ways, such as by signing a document, agreeing through electronic means, consenting verbally, or by voluntarily providing Personal Information to us.
Please note that there are certain circumstances where the collection, use and/or disclosure of Personal Information may be justified or permitted without your consent, or where CoolCash Canada may or must disclose information without consent, in accordance with applicable law.
You have the right to revoke your consent to the collection, use and disclosure of your Personal Information at any time. However, if you revoke your consent this may prevent us from providing products and services to you. In these circumstances, we may continue to use your Personal Information to the extent that you may owe any amounts to us.
Storage and Security of Personal Information
CoolCash is committed to protecting Personal Information against loss, theft, unauthorized access, disclosure, duplication, use and modification. CoolCash Canada will take steps to maintain physical, procedural and technical security for Personal Information in accordance with industry standards.
Personal Information that is provided to CoolCash Canada is primarily stored and maintained within Canada. However, in some instances, Personal Information may be stored or processed outside of Canada, including information that is transferred to our affiliates and third party agents and service providers. In those cases, Personal Information may be subject to the local laws of the jurisdictions within which the information is collected, used, disclosed, stored and/or processed, and may be subject to access by governmental and law enforcement authorities in those jurisdictions.
Accuracy and Access
CoolCash Canada attempts to ensure that all Personal Information provided and in its possession is as accurate, current and complete as necessary for the purposes for which we use that information.
You have a right to request access to your Personal Information and to request a correction to it if you believe it is inaccurate. In the event that you believe that your Personal Information is not accurate or you wish access to your Personal Information, you may make a request using the contact information provided below.
Amendments to Privacy Policy
This Privacy Policy is in effect as of September 25, 2019. From time to time we may review and revise our privacy practices and this Privacy Policy. In the event of any amendment, a notice will be posted on our website www.coolcash.ca.
If you continue to access to and/or use of our website or app or if you continue to provide Personal Information to us after any such change, this will indicate that you have accepted and agreed to our updated Privacy Policy. Please periodically review this Privacy Policy so that you know what Personal Information we collect, how we use it, and with whom we may share it.
Contact Us
If you ever have any questions, complaints or concerns regarding this Privacy Policy or any Personal Information that you have provided to us, please contact CoolCash Canada’s Chief Privacy Officer by email at info@coolcash.ca. We may also be reached at:
CoolCash Canada Ltd.
37 Advance Road
Suite #100
Toronto, Ontario
M8X 2W4
Attention: Chief Privacy Officer