Privacy Policy

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Credit Connections ("we", "our", "us") is committed to safeguarding the privacy and confidentiality of your personal information. This Privacy Policy outlines how we collect, use, disclose, and protect your personal information in compliance with applicable privacy laws and regulations.

By accessing or using our services, you acknowledge that you have read, understood, and agree to the practices described in this Privacy Policy.

Collection of Personal Information

Personal Information refers to any information that can identify you as an individual. The types of personal information we may collect include, but are not limited to:

• Full Name

• Contact Information (email address, telephone number, mailing address)

• Date of Birth

• Government Identification (e.g., passport, driver’s license)

• Financial Information (bank account details, credit and payment history)

• Employment and Income Information

• Transaction and Interaction History

We collect personal information primarily to provide our services effectively and to ensure we comply with applicable legal and regulatory requirements.

How We Use Your Personal Information

We use the personal information we collect for the following purposes:

• Application and Enrollment: To process your application for our credit rebuilding programs, evaluate your eligibility, and provide personalized services.

• Risk Assessment: To assess financial risks, conduct credit scoring, verify your identity, and prevent fraud.

• Marketing and Communication: To inform you about services, products, and updates that may be of interest to you. You can opt out of marketing communications at any time.

• Legal Compliance: To comply with laws and regulations, including anti-money laundering (AML) and combating the financing of terrorism (CFT) requirements.

• Operational Purposes: To improve and maintain the quality of our services and enhance user experience.

Disclosure of Personal Information

We respect your privacy and will only disclose your personal information in the following circumstances:

• With Your Consent: We may disclose your personal information to third parties if you have provided explicit consent.

• Service Providers: We may share your personal information with trusted service providers (e.g., payment processors, IT services, marketing partners) to assist in delivering our services. These providers are contractually obligated to protect your information and use it only for the specified purposes.

• Credit Reporting Agencies: To maintain your credit history, report on your credit behavior, and for identity verification purposes.

• Debt Collection: In the event of overdue payments, we may disclose your information to debt collection agencies.

• Regulatory and Legal Compliance: We may disclose your personal information as required or permitted by law, including to government bodies, law enforcement agencies, or other regulatory authorities.

We do not sell, rent, or trade your personal information to third parties for marketing purposes without your consent.

Security of Personal Information

We employ a variety of administrative, technical, and physical security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, please be aware that no data transmission over the internet or system can be guaranteed as fully secure. We strive to protect your personal information but cannot guarantee its absolute security.

Access and Correction of Personal Information

You have the right to access, update, or correct your personal information held by us, subject to certain exceptions prescribed by law. If you believe that any information we hold about you is inaccurate or incomplete, you may request that we correct or update it.

To request access to your personal information or make corrections, please contact us using the details provided below.

Retention of Personal Information

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, including for legal, accounting, or reporting requirements. When we no longer require your personal information, we will securely dispose of or anonymize it in compliance with applicable data retention policies.

Cookies and Tracking Technologies

Our website and services may use cookies and similar tracking technologies to enhance your experience, analyze usage trends, and serve relevant advertisements. Cookies are small data files stored on your device that enable us to remember certain information about your visits.

You can manage your cookie preferences through your browser settings, but disabling cookies may affect the functionality of our website.

Electronic Communications

We may communicate with you electronically via email or through notifications on our website or mobile applications. These communications may include important updates, reminders, offers, and other information related to your account and services.

You may opt out of receiving marketing communications at any time by following the unsubscribe instructions in the emails or by contacting us directly.

Third-Party Links

Our website and services may contain links to third-party websites, applications, or services. We are not responsible for the privacy practices of these third parties and encourage you to review their privacy policies before providing any personal information.

Children’s Privacy

Our services are not intended for children under the age of 16. We do not knowingly collect personal information from children under 16 years of age. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us immediately so we can take the necessary steps to remove that information.

Policy Updates

This Privacy Policy may be updated periodically to reflect changes in our practices, technologies, or legal obligations. We will notify you of any material changes by posting the updated policy on our website, and the revised policy will be effective as of the date indicated at the top of the page. We encourage you to review this Privacy Policy regularly.

Contact Us

If you have any questions or concerns regarding this Privacy Policy or our privacy practices, or if you would like to request access to or correction of your personal information, please contact us at:

Credit Connections
Email: contact@creditconnections.ca