Your privacy matters.

Credit4You is committed to handling personal information responsibly and transparently. We maintain policies and practices designed to protect personal information under the Personal Information Protection and Electronic Documents Act and other applicable Canadian private-sector privacy laws.

We are responsible for personal information under our control, including information processed for us by service providers. A designated Privacy Officer oversees our privacy practices and responds to privacy questions, requests, and complaints.

The information we collect depends on how you interact with us and the products or services you request. It may include:

• Name, date of birth, address, postal code, email address, and telephone number.
• Government-issued identification details and other information used to verify identity, where required.

• Employment status, employer information, occupation, income amount, income source, pay frequency, and length of employment.
• Information provided in a loan application, renewal request, or customer-support interaction.

• Bank-account details needed to verify an account, fund a loan, or process scheduled payments.
• Information obtained through bank verification, including relevant account, deposit, balance, and transaction information.
• Loan amounts, repayment schedules, payment history, outstanding balances, failed payments, deferrals, and account status.

• IP address, browser and device information, referring pages, pages viewed, dates and times of visits, and website interaction data.
• Cookie identifiers and similar information used for website functionality, security, analytics, and permitted advertising activities.

• Emails, text messages, telephone calls, support requests, complaints, and other communications with us.
• Communication preferences, consent records, and unsubscribe or opt-out requests.

We may collect personal information:

• Directly from you through our website, application forms, customer portal, email, telephone, text message, or other communications.
• Through bank-verification, identity-verification, payment-processing, fraud-prevention, and other service providers used in connection with your application or account.
• Automatically when you use our website or online services, through cookies, logs, analytics tools, and similar technologies.
• From persons you authorize to act for you, or from other sources permitted or required by law.

Please provide accurate and complete information and notify us when important information changes.

We may use personal information to:

• Receive, evaluate, verify, and make decisions about loan applications and renewal requests.
• Verify identity, banking information, income, employment, eligibility, and information supplied in an application.
• Prepare and present loan offers, agreements, disclosures, payment schedules, and account information.
• Fund approved loans, process payments, administer accounts, provide deferrals where available, and collect amounts owing.
• Communicate about applications, decisions, funding, payments, account activity, customer support, security, and service updates.
• Detect, investigate, and prevent fraud, unauthorized access, misuse, errors, security incidents, and other unlawful activity.
• Operate, secure, maintain, troubleshoot, analyze, and improve our website, products, services, and customer experience.
• Comply with legal, regulatory, accounting, reporting, recordkeeping, and dispute-resolution requirements.
• Send marketing communications where permitted by law and in accordance with your communication choices.

We will not use personal information for a new purpose that is materially different from the purpose originally identified without obtaining additional consent where required.

When you choose to use Instant Bank Verification or another digital bank-verification method, you authorize the collection and review of banking information needed to assess and administer your application or account. This may include information used to confirm account ownership, income deposits, account activity, and other financial information relevant to eligibility and repayment.

Bank verification may be provided through a third-party service. The service provider may present its own privacy notice, consent language, and terms when you connect your account. Please review that information carefully before proceeding.

We do not ask you to send online-banking passwords by email or text message. Contact us immediately if you receive a suspicious request claiming to be from Credit4You.

We do not sell personal information. We may disclose personal information only as reasonably necessary for the purposes described in this policy, including to:

• Technology, hosting, communications, analytics, customer-support, document-management, and security service providers.
• Identity-verification, bank-verification, fraud-prevention, payment-processing, banking, and funding service providers.
• Professional advisers, auditors, insurers, collection providers, and legal representatives where reasonably required.
• Government, regulatory, law-enforcement, court, or other authorities where disclosure is required or permitted by law.
• A purchaser, investor, lender, or adviser in connection with an actual or proposed business transaction, subject to appropriate safeguards and legal requirements.
• Another person where you direct us or provide valid consent.

Service providers are authorized to use personal information only for the services they provide to us, subject to their contractual and legal obligations.

We seek meaningful consent for the collection, use, and disclosure of personal information, except where consent is not required or is inappropriate under applicable law. The form of consent may vary depending on the sensitivity of the information and the circumstances.

You may withdraw consent for optional uses of personal information, subject to legal, regulatory, contractual, and reasonable notice requirements. Withdrawing consent may affect our ability to provide a requested product or service where the information is necessary to process an application, administer a loan, verify identity, prevent fraud, or meet legal obligations.

To withdraw consent or update your preferences, contact us at contact@credit4you.ca.

Our website may use cookies, pixels, logs, and similar technologies to operate and secure the website, remember preferences, understand website usage, diagnose problems, measure performance, and improve services.

Some cookies are necessary for website operation. Other cookies, including analytics or advertising cookies, may be optional and subject to your choices and applicable consent requirements. You can adjust browser settings to block or delete cookies, although some website features may not function properly.

Where required, we provide additional notice or choice through a cookie banner or preference tool.

We may send service-related communications about your application, account, funding, repayment schedule, payment status, security, or customer-support request. These communications may be necessary to provide or administer the service you requested.

We send commercial electronic messages only where permitted by applicable law. Marketing messages will identify the sender and include an unsubscribe mechanism.

Message frequency may vary and standard message or data rates may apply. You may stop marketing text messages by replying STOP and may request help by replying HELP. You may also contact contact@credit4you.ca.

Opting out of marketing messages does not necessarily stop important service, transactional, legal, fraud-prevention, or security communications.

Mobile opt-in information and consent records are not shared with third parties for their own marketing purposes.

We retain personal information only for as long as reasonably necessary to fulfill the purposes described in this policy and to meet legal, regulatory, tax, accounting, fraud-prevention, recordkeeping, dispute-resolution, and enforcement requirements.

Retention periods vary depending on the type of information, the relationship with you, the sensitivity of the information, and applicable requirements. When information is no longer required, we take reasonable steps to securely delete, destroy, or de-identify it.

We use administrative, technical, and physical safeguards appropriate to the sensitivity of the information. These may include access controls, encryption in transit, network and system monitoring, backups, firewalls, staff confidentiality obligations, service-provider controls, and incident-response procedures.

No method of transmission or storage is completely secure. We therefore cannot guarantee absolute security, but we continually work to reduce risk and protect personal information against loss, theft, unauthorized access, use, disclosure, alteration, or destruction.

Subject to applicable law, you may request access to personal information we hold about you and request correction of information that is inaccurate or incomplete. We may need to verify your identity before responding.

In limited circumstances, access may be restricted or refused as permitted by law. If that occurs, we will explain the reason unless prohibited from doing so.

You may also raise a privacy concern or complaint. We will review and respond in accordance with our privacy procedures.

Send requests to our Privacy Officer at contact@credit4you.ca.

We use service providers to support our operations. Depending on the provider, personal information may be processed or stored in Canada or another jurisdiction. Information processed in another jurisdiction may be subject to the laws of that jurisdiction and may be accessible to courts, law-enforcement, or regulatory authorities in accordance with those laws.

We use contractual and other measures designed to provide a comparable level of protection while information is handled by service providers.

Credit4You products are intended for adults who meet the applicable age and eligibility requirements. We do not knowingly accept loan applications from individuals under 18 years of age.

We may update this policy to reflect changes to our practices, services, technology, or legal requirements. The revised policy will be posted on this page with an updated effective date.

Where required, we will provide additional notice or obtain consent before applying a material change to previously collected personal information.