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Privacy policies

Introduction

Given the development of new communication tools, it is essential to pay particular attention to the protection of privacy. That is why, at Crédiva (Crédiva.ca), we are committed to respecting the confidentiality of the personal information we collect.

Collection of personal information

We collect the following information:

  • Personal information:

  • Date of birth

  • Email address

  • Contact details

  • Residence address

  • Home telephone

  • Cell phone

  • First and last name

  • Income information:

  • Type of income

  • Pay frequency

  • Company Name

  • Company address

  • Name of immediate superior

  • Company phone number

  • Date of hire

  • Loan information:

  • Loan amount

  • Bankruptcy or consumer proposal

  • References:

  • Full name

  • Phone number

  • Link

The personal information we collect is gathered through forms and through the interaction between you and our website. We also use cookies and/or log files, as described in the following section, to collect information about you.

 

 

 

 

 

 

 

 

Security Form and Interactivity

 

Your personal information is collected through forms, namely:

 

 

 

 

 

 

 

 

 

 

Security

The personal information we collect is stored in a secure environment. The Crédiva team is committed to respecting the confidentiality of your information. To ensure the security of your personal information, we use the following measures:

  • Secure transactions via TLS encryption

  • Secure Bank Connection (IBV)

  • Encrypted data that conforms to standards”

  • Access management – authorized person

  • Access management – concerned person

  • Network monitoring software

  • Computer backup

  • Digital certificate development

  • Username / password

  • Firewalls

We are committed to maintaining a high level of confidentiality by integrating the latest technological innovations to ensure the privacy of your transactions. However, since no mechanism offers absolute security, a degree of risk is always present when using the Internet to transmit personal information.

"We implement security measures that comply with industry standards and applicable legal requirements, including Law 25 in Quebec."

"Personal information is retained only for the period necessary for the purposes for which it was collected, including processing the request, monitoring the file and complying with legal obligations."

  • Applications rejected: 6 to 12 months

  • Active client files: loan term + 3 to 7 years (audit / tax / litigation)

“We use recognized technology providers, particularly for bank verification (IBV – … including providers such as Flinks), which may involve data processing outside of Quebec.”

"Crediva does not collect the Social Insurance Number (SIN) as part of its business activities."

Person responsible for the protection of personal information:

Email: info@crediva.ca

Log files and cookies

We collect certain information through log files and cookies. This mainly includes the following information:

  • IP address

  • Operating system

  • Pages visited and queries

  • Connection time and date

Using such files allows us to:

  • Customer service improvement

  • Personalized welcome

  • Personalized consumption profile

  • Order tracking

  • Statistics

Right to object and withdraw

We are committed to offering you the right to object to and withdraw your personal information.

The right to object is understood as the possibility offered to internet users to refuse that their personal information be used for certain purposes mentioned during collection.

The right to withdraw consent means the possibility offered to internet users to request that their personal information no longer appear, for example, in a mailing list.

To exercise these rights, you can join us:

Right of access

We are committed to recognizing the right of access and rectification for individuals wishing to consult, modify, or even delete information concerning them.

This right will be exercised:

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