At Lendee Corp. (“Lendee”) we understand that privacy is an important issue. Lendee is committed to protecting privacy and supports a general policy of openness about how we collect personal information.
The purpose of this Privacy Statement is to inform individuals about Lendee’s practices relating to the collection, use and disclosure of personal information that may be provided through access to or use of our website that may otherwise be collected by us. By purchasing our products or using our website, you consent to the collection, use and disclosure of personal information (as defined below) in accordance with the following terms and conditions.
This Privacy Statement also explains how to contact us if you have a question about, want to make a change to or delete any personal information that Lendee may be holding about you. We strongly recommend that you take the time to read this Privacy Statement and retain it for future reference.
Lendee will continue to review this Privacy Statement to ensure it remains current with changing laws and regulations while meeting the evolving needs of our customers. In the event of any amendment to the Privacy Statement, a notice will be posted on our website.
2. DATA COLLECTED
Lendee is responsible for personal information under its control and has designated individuals to be accountable for Lendee’s compliance.
Lendee has appointed an individual to be its Privacy Officer, who is accountable overall for Lendee’s compliance with this Privacy Statement. On a day-to-day basis, the collection and processing of personal information is delegated to other employees within Lendee.
Lendee is responsible for personal information in its possession or control and will use reasonable means to provide a proper level of protection for personal information, including when personal information is being processed by a third party.
Lendee will disclose the title of the person(s) designated to oversee compliance with this Privacy Statement upon request.
Lendee continues to develop and refine policies and procedures to protect personal information, receive and respond to complaints and inquires, train employees and communicate this information to customers.
Lendee will identify the purposes for which personal information is collected at or before the time the information is collected. This information may be communicated orally, electronically or in writing.
Lendee collects, uses and discloses personal information for the following purposes:
To provide a financial service to customers;
To develop, manage and market a loan service to meet the needs of customers;
To obtain credit information and credit reports from credit reporting agencies to assess credit history and credit worthiness and to confirm accuracy of information provided by individuals (including by contacting employers and personal references);
- To confirm details of customer employment;
- To extract certain information for the purpose of generating statistics and analysis for purposes of conducting and improving our business;
- To ensure a high standard of service to customers;
- To meet legal and regulatory requirements;
- To confirm the identity of a customer and to prevent and detect fraud; and
- To collect debt that may become owed to Lendee by a customer.
- Lendee will identify any new purpose(s) for which personal information is being collected, used or disclosed.
Individuals will be informed by Lendee by the posting of a notice on Lendee’s website, written notification or direct communication.
Lendee collects personal information through our website and when it is voluntarily provided to us. Typically, Lendee will seek consent for the use or disclosure of personal information at the time of collection. In certain circumstances, consent may be sought after the information has been collected but before use (for example, when we want to use information for a purpose not previously identified).
The form of consent that we seek, including whether it is express or implied, will largely depend on the sensitivity of the personal information and the reasonable expectations of the individual in the circumstances. An individual’s consent may be explicit or implied and consent can be given either orally, electronically or in writing. Use of products and services offered by Lendee constitutes implied consent for the collection, use and disclosure of personal information for all identified purposes.
Consent may be withdrawn at any time, subject to legal or contractual restrictions and reasonable notice. If you wish to withdraw your consent at any time, please contact Lendee’s Privacy Officer at customerservice@Lendee.ca. We will inform you of the implications of withdrawing consent.
Lendee will not require consent to the collection, use or disclosure of information beyond that required to fulfill the explicitly specified and legitimate purposes for which the information is being provided. However, refusal or withdrawal of consent by a customer may prevent Lendee from providing a loan to that customer. Lendee will not unreasonably withhold a loan from a customer who refuses or withdraws consent, but if the personal information is required to offer the loan, Lendee may decline to deal with the customer who will not consent to the use of such personal information. Lendee maybe contacted for more information regarding the method by which consent can be withdrawn.
Lendee may collect, use or disclose personal information without the individual’s knowledge and consent in certain circumstances. For example:
- When the collection, use, and disclosure is permitted or required by law;
- When the collection, use, and disclosure is clearly in the interests of the individual and consent cannot be obtained in a timely manner;
- When seeking the consent of the individual may defeat the purpose of collecting the information;
- When use of the information is for an emergency that threatens the life, health or security of an individual; or
- When needed to collect a debt, to comply with a subpoena, warrant or other court order, or as otherwise required or authorized by law.
The collection of personal information is limited to that which is related to the identified purposes.
Personal information will be collected by fair and lawful means. Most personal information will be collected directly from employees and customers.
Lendee may also collect personal information from sources such as credit bureaus, employers, personal references, or other third parties.
LIMITING USE, DISCLOSURE AND RETENTION
Personal information will not be used or disclosed for purposes other than those for which it was collected, except with the consent of the individual or as required by law.
Lendee transfers and stores customer personal and transaction information with suppliers and service providers located outside of Canada, including in the USA, for the purposes listed in the Identifying Purposes section above. If you would like further information about the transfer and storage of customer personal and transaction information outside of your province or outside of Canada, please contact our Privacy Officer at customerservice@Lendee.ca.
In addition, Lendee may use and disclose personal information to third parties as follows:
- To conduct analysis of use of our website, prevent and detect fraud and assist Lendee its relationship with its customers
- A Lendee agent that will evaluate the customer’s creditworthiness or to collect a potential debt;
- A credit reporting agency to obtain credit information and credit reports to assess credit history and credit worthiness and to confirm accuracy of information;
- The issuer and/or payer of negotiable items to confirm identity, arrange for the issuance of negotiable items or arrange for the delivery of negotiable items to customers;
- A third party – where individual consents to disclosure;
- A third party – where disclosure is required by law;
- A public authority or agent of a public authority where there is imminent danger to the life or property of an individual which could be avoided or minimized by disclosure; and
- Conduct surveys in order to enhance our products and services to meet customer needs.
Where personal information is disclosed to a third party, Lendee will ensure that appropriate security measures are utilized to protect the use and disclosure of personal information.
Only Lendee employees are authorized or granted access to personal information about customers when responsibilities reasonably require.
Lendee will retain personal information for up to [one] year unless a longer period is necessary for the fulfillment of identified purpose, or required by law.
Lendee reserves the right to disclose and transfer personal information to a third party in the event of a proposed or actual purchase, sale (including a liquidation, realization, foreclosure or repossession), lease, merger, amalgamation or any other type of acquisition, disposal, transfer, conveyance or financing of all or any portion of Lendee. or its corporate affiliates, or of any of the business or assets or shares of Lendee. or its corporate affiliates, or divisions thereof in order for you to continue to receive the same services from the third party.
Reasonable efforts will be made to ensure that personal information is as accurate, complete and up-to-date as is necessary for the purposes for which it is used.
Due to the nature of Lendee’s business, personal information will be updated on an on-going basis as the customer utilizes Lendee’s products and services.
Personal information will be protected by reasonable security safeguards appropriate to the sensitivity of the personal information.
Lendee is committed to the protection of personal information against loss, theft, unauthorized access, disclosure, duplication, use and modification regardless of the format in which the personal information is held.
Lendee will protect personal information disclosed to third parties by means of contractual agreements with respect to the confidentiality of the personal information and the purposes for which the personal information is to be used.
Lendee will use reasonable security measures in the disposal of personal information.
The protection of personal information is an ongoing process, and Lendee will update and review the reasonableness of the security safeguards as needed.
Information is available to individuals regarding Lendee’s policies and procedures relating to the management of personal information. Efforts have been made to make these policies and procedures understandable and easily available, either in written or electronic format.
- Lendee will make the following information available;
- Contact information of the Privacy Officer;
- Means of gaining access to personal information held by Lendee; and
- A brief description of the type of personal information retained by Lendee and a general account of its use.
6. INDIVIDUAL ACCESS
Upon written request, and within a reasonable period of time, a customer will be informed of the existence, use, and disclosure of his or her personal information and will be given access to that information. An individual is entitled to comment on the accuracy and completeness of his or her personal information, and have that information amended where appropriate.
Lendee will respond to an individual request within a reasonable time period and at a minimal cost to the customer. Lendee will make commercially reasonable efforts to make the information available within 30 days of the request. The cost of providing information will vary with the type and amount of information requested. Individuals can seek access to their personal information by submitting a written request to the Privacy Officer at customerservice@Lendee.ca.
An individual will be required to provide sufficient personal information to confirm their identity with Lendee.
An individual shall be able to challenge the accuracy and completeness of their personal information and have it amended as appropriate. Lendee will amend personal information when a customer successfully demonstrates the inaccuracy or incompleteness of their personal information. Any unresolved disagreements relating to the accuracy and completeness of a individual’s personal information will be noted for so long as such information remains relevant.
Lendee may not be able to provide access to any or all of an individual’s personal information. If a request for personal information is denied, Lendee will notify the individual in writing, documenting reasons for refusal and resources available for redress.
Reasons for refusing access may include:
– That the personal information is unreasonably costly to provide;
– That the release of the personal information may threaten the life or security of a third party;
– That the personal information is subject to or generated in a formal dispute resolution process;
– That the personal information cannot be disclosed for legal, security, or commercial proprietary reasons; or
That the personal information is subject to solicitor-client or litigation privilege.
Help provide our products and services to customer;
Provide users of our website with personalized service;
Market our products and services;
Analyze the flow of traffic to our website; and
Analyze and track the traffic of website users from page to page within our website.
Users may accept or decline cookies through the configuration settings of their web-browser. If you choose to configure your web-browser to decline cookies, some pages of our website may not function properly.
8. TEXT MESSAGE POLICY
By providing your cell phone number, you have provided us with consent to send you text messages in conjunctions with the services you have requested. Your cellular provider’s Msg&Data Rates may apply to our confirmation message and all subsequent messages.
Please notify us immediately if you change mobile numbers or plan to provide your phone to another person.
If we modify this Text Message Policy, we will notify you by sending you a text message with a link to the new policy. We may terminate our text message program at any time.
If you have any questions about this policy, would like us to mail you a paper copy of this policy or are having problems receiving or stopping our text messages, you may contact by e-mail at customerservice@Lendee.ca.
You agree and consent to be contacted by the Company, Our agents, employees, attorneys, affiliates, subsequent creditors, loan servicing companies, and third‐party collectors through the use of email, and/or telephone calls and/or SMS text messages to your cellular, home or work phone numbers, as well as any other phone number you have provided in conjunction with this account, including the use of automatic telephone dialling systems, autodialers, or an artificial or prerecorded voice.
OPT‐OUT OR STOP
This policy applies to the text messages sent by Lendee to our customers while and after they use our service. If you wish to stop receiving marketing text messages from Lendee Inc., reply to any text message we have sent you and in the reply text simply type STOP.
Your stop request will become effective within one day. You may also stop text messages by calling us or emailing us using the contact information below. You may contact at customerservice@Lendee.ca.
HELP OR SUPPORT
If at any time you need our contact information or information on how to stop text messages, reply to any text message we have sent you and in the reply text simply type HELP. Upon receiving your text message, we will send you a text message with this information. In general, the messages we send provide you with information about your account. Some of the text messages we send may include links to websites. To access these websites, you will need a web browser and Internet access.
9. CHALLENGING COMPLIANCE
Individuals can address any challenge concerning compliance with this Privacy Statement to Lendee’s Privacy Officer at customerservice@Lendee.ca.