Last Updated: March 2, 2026
Car Loan Connect Inc. (“Car Loan Connect,” “we,” “us,” or “our”) is committed to protecting your privacy and ensuring the confidentiality of your personal information. This Privacy Policy describes how we collect, use, disclose, retain, and safeguard your data when you visit our website, complete our lead-generation forms, or use our services by phone or online. It also explains your rights and choices under Canadian privacy law (PIPEDA) and related regulations.
1. Scope & Consent
1.1 By providing personal information to Car Loan Connect—whether via our website, online forms, telephone, or other communication channels—you consent to our collection, use, disclosure, and retention of that information as described below.
1.2 You may withdraw consent at any time, subject to legal or contractual restrictions. If you withdraw consent, you may no longer be able to use our services or receive their full benefit.
1.3 This Policy applies to all Car Loan Connect online properties (e.g., www.carloanconnect.ca), mobile applications bearing our brand, and offline interactions (e.g., phone calls).
2. Definitions
- Personal Information: Any information about an identifiable individual, including but not limited to name, email address, phone number, credit history, or financial data.
- Non-Personal Information: Data that cannot be linked back to an identifiable individual, such as aggregated statistics, anonymized usage patterns, or device/browser type without user identifiers.
- Sensitive Information: A subset of personal information that includes credit data, bank account information, or other data that, if mishandled, could lead to significant harm to an individual.
- Third-Party: Any entity not directly controlled by Car Loan Connect, including vendors, service providers, dealerships, lenders, or law enforcement bodies.
3. Accountability & Contact
3.1 Car Loan Connect is responsible for the protection and appropriate handling of your personal information.
Privacy Concerns Contact
Car Loan Connect Inc.
Email: info@carloanconnect.ca
3.2 You may direct any privacy-related inquiries, access requests, correction requests, or concerns to our Privacy Officer. We will respond within a reasonable timeframe, typically within 30 days, or notify you if additional time is required.
4. Information We Collect
4.1 Information You Provide Directly
- Lead Application Data
• Full legal name
• Contact information: phone number, email address
• Self-reported credit status (good, fair, poor) and any credit events (e.g., repossession, bankruptcy)
• Vehicle preferences: desired make, model, year, budget range
• Location: city, province
• Income and general expense information (e.g., monthly income range, typical expenses)
• Explicit consent (via checkbox or digital signature) to run a soft credit check or share data with dealerships - Customer Service Calls
• Recorded telephone conversations for quality assurance, training, and compliance verification. You may request non-recorded communication via alternate channels (email or SMS). - Credit & Bank Account Data
• With your express consent, we may obtain a soft credit report from a Canadian credit bureau (e.g., Equifax, TransUnion) to evaluate financing eligibility and update your confidential profile this does not affect your credit score. - Transaction Outcome Data
• When you are referred to a dealership or credit advisor, we may receive feedback on whether the transaction (e.g., loan approval, credit counseling engagement) was completed. We use this data to refine our matching process and maintain accurate profiles.
4.2 Information Collected Automatically
- Website & App Usage Data
• IP address, browser type and version, operating system, device model
• Pages visited, URLs clicked, date/time of access, time spent on pages
• Referring website or ad campaign, click-through data - Cookies, Pixels & Tracking Technologies
• Strictly Necessary Cookies: Required for website functionality (e.g., session cookies).
• Performance Cookies: Collect anonymous usage information to help us improve site performance.
• Functionality Cookies: Remember your preferences (e.g., language, region).
• Targeting/Advertising Cookies: Used by third parties (e.g., Google Ads, Facebook Ads) to deliver relevant advertisements based on your browsing behavior.
You can manage or disable cookies via your browser settings. Disabling certain cookies may limit your ability to use all features of our site.
5. How We Use Your Personal Information
We rely primarily on your consent to collect and use personal information, but may also process your data when necessary to fulfill a contract, comply with legal obligations, or protect legitimate interests such as fraud prevention.
We process your personal data only for the following specific purposes:
- Dealer & Lender Matching
• Analyze your credit profile, income, and vehicle preferences to match you with dealerships or lenders most likely to approve your application.
• Provide pre-qualified lead profiles to our partner dealerships - Credit-Help Referrals
• If your profile does not meet dealer requirements, refer you to trusted credit advisors, credit-building services, consumer proposal professionals, or debt consolidation specialists to improve your eligibility. - Customer Support & Communication
• Respond to inquiries, process form submissions, and confirm appointments or next steps via email, SMS, or phone.
• Deliver digital receipts, confirmations, or reminders. - Marketing & Promotions
• With your explicit consent, send newsletters, promotional offers, service updates, and surveys via email or SMS.
• Comply with Canada’s Anti-Spam Legislation (CASL) by offering clear unsubscribe options and maintaining records of consent. - Quality Assurance & Training
• Record and review phone calls to ensure accurate information exchange, train staff, and monitor compliance with our contracts and legal obligations. - Fraud Prevention & Legal Compliance
• Detect suspicious or fraudulent activity (e.g., identity theft, multiple applications).
• Comply with court orders, subpoenas, or regulatory requests.
• Protect our legal rights and enforce our Terms & Conditions. - Platform Improvement & Analytics
• Aggregate and analyze usage data (non-personal) to optimize our website, form design, user interface, and ad campaigns.
• Measure campaign performance and return on investment (ROI).
6. How We Disclose Your Personal Information
6.1 Third-Party Service Providers & Sub-Processors
We may share your personal data with carefully selected third-party vendors who support our operational needs, including but not limited to:
• Customer Relationship Management (CRM) platforms)
• Form processing and data validation services
• Credit-reporting agencies for soft credit pulls
• Email/SMS marketing platforms
• Fraud-detection and payment-processing vendors
These service providers receive only the data necessary to perform their assigned tasks. They are contractually obligated to:
• Use your information exclusively for the services we have directed them to perform
• Adhere to strict privacy and data protection standards consistent with this Privacy Policy
• Never sell, lease, share, or use your personal data outside the defined scope of their relationship with Car Loan Connect
We take reasonable steps to ensure all service providers handle your data responsibly and implement appropriate safeguards.
All such providers receive only the information necessary for their service. They are contractually bound to comply with privacy and security requirements equivalent to our own.
6.2 Dealerships & Lenders
When you request a referral, we share your lead profile name, contact details, credit rating, vehicle preferences, and other relevant attributes with selected dealerships and financial institutions. These third parties then may run additional credit or suitability checks under their own privacy policies. We are not responsible for their subsequent use or retention of your data.
6.3 Credit-Help Professionals
If you consent, we will provide your name, contact information, and credit summary to certified credit-repair or credit-building consultants. These advisors may conduct further assessments to recommend personalized credit improvement plans.
6.4 Interest-Based Advertising (Remarketing)
We participate in remarketing/retargeting programs offered by ad networks such as Google Ads and Facebook Ads. These networks place cookies or pixels on your browser when you visit our site, enabling them to display relevant ads on other websites or social media platforms. You can opt out of interest-based ads via Google Ads Settings, Facebook Ad Preferences, or the Network Advertising Initiative’s opt-out page.
6.5 Legal & Regulatory Disclosures
We may disclose personal data without consent when required or permitted by law, including:
• Complying with a subpoena, court order, or regulatory request
• Preventing or investigating fraud, identity theft, or other illegal activities
• Protecting our legal rights, interests, or property, including legal claims or enforcement of contracts
6.6 Corporate Transactions
In the event of a merger, acquisition, reorganization, or sale of all or part of our business assets, your personal information may be transferred to the successor entity. That entity will be contractually required to honor the privacy commitments described in this Policy.
7. Data Location & International Transfers
7.1 Car Loan Connect and our service providers may process, store, or transmit your personal information in jurisdictions outside Canada. Those jurisdictions may have different data protection laws, and local authorities might access your data without notice.
7.2 By using our services, you expressly consent to cross-border transfers and storage of your personal information subject to this Policy. Where required, we implement appropriate safeguards (e.g., standard contractual clauses, encryption) to protect transferred data.
8. Retention of Personal Information
8.1 We retain your personal data only as long as necessary to fulfill the purposes outlined in this Policy, to comply with legal, tax, or accounting requirements, or to enforce our legal rights.
9. Security Safeguards
9.1 We implement administrative, technical, and physical controls to protect personal information from unauthorized access, disclosure, alteration, or destruction. These include, but are not limited to:
• Encryption in transit (TLS/SSL) and at rest (AES-256) for sensitive data
• Role-based access controls and multi-factor authentication for internal systems
• Regular security assessments, vulnerability scans, and patch management
• Secure, access-restricted data centers with firewalls and intrusion detection
• Employee training on privacy best practices and incident response
9.2 Despite these measures, no system is entirely immune to attacks. In the event of a security breach, we follow our Breach Notification Procedure (see Section 10).
10. Breach Notification Procedure
10.1 A “breach of security safeguards” occurs when personal data is accessed, collected, used, disclosed, or destroyed by unauthorized persons or in an unauthorized manner.
10.2 Upon discovering a breach involving sensitive personal information that creates a real risk of significant harm to affected individuals, Car Loan Connect will:
• Contain and mitigate the breach (e.g., isolate systems, reset credentials) within 48 hours of discovery.
• Assess the nature and scope of the breach, including which data was affected.
• Notify affected individuals promptly—no later than 30 days after confirming the breach via email or phone, describing:
◦ What happened (nature of the breach)
◦ What personal data was involved
◦ Measures taken or to be taken to mitigate harm
◦ Contact information for further inquiries
◦ Recommendations for individuals
10.3 We will also notify the Office of the Privacy Commissioner of Canada if the breach meets the threshold for mandatory reporting under PIPEDA.
10.4 We document all breach incidents, responses, and mitigation steps in an incident log for internal review and future prevention.
11. Cookies & Tracking
11.1 We use the following cookie categories on our website:
We use cookies and similar tracking technologies to improve your experience, analyze site usage, and deliver relevant advertising. Below is a plain-text overview of how we implement these tools:
- Strictly Necessary Cookies
These cookies are essential for the website to function properly. They enable core features such as form submissions, session management, and page navigation. Because these cookies are required for basic site operations, you cannot disable them without breaking certain functions. - Performance/Analytics Cookies
We use performance cookies to gather anonymous data on how visitors interact with our site such as which pages are most visited, how long you spend on each page, and whether pages load successfully. This information is aggregated to help us identify and fix issues, optimize page speed, and improve overall user experience. These cookies do not collect personal information. - Functionality Cookies
Functionality cookies remember your preferences such as chosen language or region so that the site can deliver a more personalized experience. For example, if you select “Canada” as your region, we store that choice so you don’t need to reselect it each time you visit. If you disable functionality cookies, some personalized features may not work. - Targeting/Advertising Cookies
We work with third-party advertising partners (such as Google Ads and Facebook Ads) to serve you ads related to your interests. These partners place cookies or pixels on your browser when you visit our site. They can then recognize your browser on other websites or social media platforms and display ads that are more likely to interest you based on your previous visits. To opt out of interest-based advertising:
- For Google: go to Google Ads Settings (adssettings.google.com)
- For Facebook: visit Facebook’s Ad Preferences
- For other networks: use the Network Advertising Initiative’s opt-out page (networkadvertising.org/choices)
- For Google: go to Google Ads Settings (adssettings.google.com)
If you prefer not to accept cookies, you can adjust your browser settings to block or delete cookies. However, blocking certain cookies may prevent you from using some features of our website, such as filling out forms or viewing personalized content.
11.2 If you disable or delete cookies, certain features of our website (such as personalized content or saved form data) may no longer function properly.
12. User Rights & Controls
12.1 Access & Correction
You may request a copy of your personal information in our possession. If you notice inaccuracies, you can ask us to correct, update, or remove incorrect data. To make a request, email info@carloanconnect.ca. We will first verify your identity (e.g., government-issued photo ID) and then fulfill your request within 30 days. A reasonable fee may apply for large or complex requests.
12.2 Deletion
You may request that we delete your personal data, subject to legal requirements. We will comply unless retention is required by law. Submit your request to info@carloanconnect.ca; we will respond within 30 days.
12.3 Withdrawal of Consent
You can withdraw consent for any processing activities that require it (e.g., marketing communications, credit pulls). Email info@carloanconnect.ca to withdraw consent. Withdrawal does not affect the lawfulness of prior processing. After withdrawal, you may no longer be able to use some services.
12.4 Complaint Process
If you are dissatisfied with our response or believe we have violated privacy laws, you may file a complaint with our Privacy Officer. If unresolved, you can contact the Office of the Privacy Commissioner of Canada at https://www.priv.gc.ca
13. Children’s Privacy
Car Loan Connect’s services are directed to individuals aged 18 or older. We do not knowingly collect personal information from minors under 13 years old. If we learn that we have unintentionally collected data from a child under 13, we will promptly delete that data. Minors under 18 should obtain parental consent before submitting any personal information.
14. Automated Decision-Making & Profiling
14.1 We use automated processes (algorithms) to match your profile with dealerships and lenders that best fit your credit situation and vehicle needs. This automated decision-making is based on criteria such as credit score, income range, location, and vehicle preference.
15. International Data Transfers & Safeguards
15.1 Car Loan Connect and its service providers may store or process personal information in jurisdictions outside Canada (e.g., the United States, European Union, or Asia). Those countries may have different data protection laws.
15.2 To safeguard your information when transferred internationally, we implement appropriate measures, such as:
• Standard Contractual Clauses (SCCs) or equivalent legal mechanisms
• Encryption in transit and at rest (AES-256)
• Access restrictions and audits of third-party processors
16. Data Retention & Disposal
16.1 We retain personal data only as long as necessary to fulfill the purposes described in Section 5, to satisfy legal obligations, or to resolve disputes.
16.3 Once data no longer needs to be retained, we irreversibly delete or anonymize it. Some aggregated or anonymized data may be retained indefinitely for analytics.
17. Security Measures
17.1 We maintain robust security measures that include:
• Encryption: TLS/SSL for data in transit; AES-256 for data at rest
• Access Controls: Role-based permissions, multi-factor authentication for internal systems
• Regular Audits: Vulnerability scans, penetration testing, and security reviews
• Employee Training: Ongoing privacy and security training for all staff with access to personal data
17.2 Despite these efforts, no security system is infallible. In the event of a breach, we follow our Breach Notification Procedure (Section 10).
18. CASL (Anti-Spam) Compliance
18.1 Under Canada’s Anti-Spam Legislation (CASL), we obtain express consent before sending any Commercial Electronic Message (CEM) by email or SMS.
18.2 Each CEM we send will contain:
• Identification of Car Loan Connect as the sender
• A valid physical mailing address
• A clear unsubscribe mechanism (e.g., “Reply STOP” to opt out)
18.3 We maintain a suppression list of unsubscribed individuals and automatically remove them from marketing lists within 10 days.
19. Cookies & Tracking (Supplemental Cookie Policy)
19.1 For detailed information about our cookies, please refer to our Cookie Policy.
19.2 We only place cookies after obtaining your consent (via our cookie banner). You may revoke consent at any time by adjusting your browser settings or revoking within our banner interface.
20. Non-Personal Information
20.1 We may collect, use, and share aggregated or anonymized data (e.g., user demographics, usage trends) for analytics, research, or marketing.
20.2 Once data is anonymized so that individuals cannot be identified, it is no longer treated as personal information under this Policy.
21. Third-Party Links & Content
21.1 Our website and communications may contain links to external websites (e.g., partner dealerships, lenders, credit advisors). We do not control those sites, and their privacy practices are governed by their own policies. We encourage you to review their privacy policies before sharing personal information.
22. Changes to This Privacy Policy
22.1 We may update this Privacy Policy periodically to reflect new business practices, legal requirements, or technological changes.
22.2 Notice of Significant Changes: If we make significant changes, we will notify you via email and/or a prominent banner on our homepage at least 30 days before the changes take effect. Minor revisions (e.g., editorial clarifications, contact updates) will simply be posted with an updated “Last Updated” date.
22.3 We encourage you to review this Policy regularly to stay informed of how we protect your data.
23. Language & Governing Law
23.1 This Privacy Policy and all related documents are drafted in English. Any translations are provided for convenience and have no legal effect.
23.2 This Policy is governed by the laws of the Province of Alberta and the federal laws of Canada as applicable. Any disputes regarding privacy or data protection shall be resolved before the courts of Alberta.
24. SMS Terms & Contact Preferences
24.1 By submitting your personal information through any of our forms, phone calls, or communication channels, you explicitly consent to be contacted by Car Loan Connect Inc. via:
• Email
• Phone call
• SMS/text message
24.2 We may contact you for the following purposes:
• Confirming your application details
• Matching you with dealerships or credit specialists
• Providing updates on the status of your referral or transaction
• Sending appointment reminders or follow-up messages or follow up calls for increased dealer quality
• Delivering promotional content or service announcements
24.3 All communications will comply with Canada’s Anti-Spam Legislation (CASL). Every promotional message we send will include a clear unsubscribe or opt-out mechanism, and unsubscribed contacts will be removed within 10 business days.
24.4 When submitting forms via social media or ad platforms, you agree to these terms and services, and you are required to review them before submitting forms. The user filling out the form agrees to this condition “I Consent to Receive SMS Notifications, Alert messages from Car Loan Connect. Message frequency varies. Message & data rates may apply. Text HELP to (587) 327-1012 for assistance. You can reply STOP to unsubscribe at any time. This information will NOT be shared with any third-party marketing parties.”
24.5 You may update your contact preferences or withdraw consent at any time by emailing info@carloanconnect.ca.
Thank you for entrusting Car Loan Connect Inc. with your personal information. We are dedicated to maintaining your privacy and helping you find the right auto financing and credit-building solutions.
