Toronto Car Credit Privacy Policy

The following statement discloses the privacy practices of Toronto Car Credit. Because Toronto Car Credit wants to demonstrate its commitment to consumer privacy, we have agreed to disclose our information and security practices.

Toronto Car Credit Safeguard Policy

Toronto Car Credit complies with all government regulations in an effort to guard your personal data from misuse. We undertake physical, electronic and procedural steps to ensure your data is safe, and is only used for the purposes outlined in our privacy policy and loan application.

Acceptance of Toronto Car Credit Privacy Policy

By using Toronto Car Credit’s services or web sites, you signify your agreement to the terms and conditions of Toronto Car Credit’s Privacy Policy. If you do not consent to these terms and conditions, are not a Canadian resident, or are under 18 years of age, please do not use the site or Toronto Car Credit services.

When you provide us with information:

You opt in:
1) Consent to contact: We ask for consent to follow up with visitors regarding their application or partially completed application.
2) Consent to seek loan approval: We ask for permission to pull credit reports and search for an auto loan approval with banks on our customer’s behalf.

We use this information to evaluate your applications, locate an appropriate lender, provide you with high quality service, prevent fraud and, with your consent, inform you of offers for other Toronto Car Credit services offered by third parties. We may also use this information to confirm your identity when you call us to inquire about your accounts. We also ask for information from our visitors at other locations on our web site. This is considered consensually given information and subject to the conditions of this privacy policy.

Sharing Information

Toronto Car Credit may disclose information about you to the following types of third parties: Toronto Car Credit affiliates; service companies (companies that provide services to Toronto Car Credit in order to process your application); financial institutions, and credit bureaus, collection agencies. Your information is disclosed to the foregoing entities solely for the getting a loan that meets your criteria. Outlined below is the information shared with each type of third party and as appropriate, your options.

• Sharing Information with Service Companies -- In order to provide quality service, Toronto Car Credit contracts with service providers for essential roles in processing your application. We may disclose some or all of the information we collect to these service providers but only in order to obtain credit for you. All of Toronto Car Credit‘s service providers have entered into a contract with Toronto Car Credit that forbids them from using information provided by Toronto Car Credit for any purpose other than providing the service for Toronto Car Credit customers. Toronto Car Credit takes security precautions to monitor the use of the information and prevent the use of the information for any other purpose.

• Information Sharing With Merchants -- Toronto Car Credit does not share any information with unrelated merchants for the purpose of extending offers of goods and services without your consent.

• Information Sharing with Partners -- Toronto Car Credit offers its products in conjunction with financial institutions and other businesses (collectively, Toronto Car Credit Partners). By completing a credit application with Toronto Car Credit for the purpose of locating a loan that meets your criteria, you agree to the sharing of information with that partner. These relationships are clearly stated in the application and by completing the application you agree to the information sharing by Toronto Car Credit and the partner which may include: your name, address, phone number, e-mail address, and personal financial information.

• Credit Reports and Other Uses of Information -- In applying for credit, you agree that we may request consumer credit reports from one or more credit reporting agencies in connection with your application and the administration of such application. You also authorize us to exchange credit information concerning you or your use of the Account with (and answer questions and requests from) others, such as merchants, other lenders and credit reporting agencies.

• Toronto Car Credit does not knowingly offer its products and services to minors. Similarly, Toronto Car Credit does not collect information about children.

Access to Account Information and Correction of Error Questions

Toronto Car Credit is committed to customer service and privacy. If you have any questions, comments or concerns regarding our Privacy Policy and its implementation, please do not hesitate to e-mail us at info@torontocarcredit.com