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.
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.
Limiting Collection, Use, Disclosure and Retention of Personal Information
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.
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.
CoolCash Canada Ltd.
37 Advance Road
Attention: Chief Privacy Officer