Auto Credit Deals
Privacy Policy
Last Updated June 23, 2022
Your privacy is important to Auto Credit Deals (“ACD”). This Privacy Policy explains how ACD collects, uses, discloses and retains personal information, including information collected by ACD through websites and telephone calls and when providing products or services.
By providing ACD with your personal information, you consent to the collection, use, disclosure and retention of that information by ACD in accordance with this Privacy Policy and as otherwise permitted by applicable law. You may withdraw your consent at any time, subject to legal or contractual restrictions and on reasonable notice to ACD, but then you might not be able to proceed with your intended interactions or transactions with ACD or otherwise receive the full benefit of ACD’s products and services.
In this Privacy Policy, “personal information” means information about an identifiable individual, such as an individual’s name and email address, but does not include (to the extent permitted by law) information that is publicly available in a telephone directory or that is business contact information that enables an individual to be contacted at a place of business.
(a) Information You Provide
You may be asked to voluntarily give your personal information to ACD when you interact, orally, in writing or by electronic transmission, with ACD, including when you apply for an account or membership, subscribe to a newsletter, register to receive information, apply or register for or order a product or service offered by ACD or use a product or service provided by ACD. In those circumstances, you can choose not to provide certain requested personal information, but then you might not be able to proceed with your intended interaction or transaction with ACD or otherwise receive the full benefit of the desired product or service. Telephone calls between you and ACD will be recorded to ensure accuracy and quality assurance, and may be disclosed to third parties to verify ACD is compliant with its contractual obligations to third parties. You can choose not to have the telephone call recorded, and communicate by writing or electronic transmission.
(b) Automated Collection
ACD may automatically collect certain information regarding your use of ACD’s website or online service, such as the dates and times that you access the website or online service, the browsers, operating systems, software and devices that you use to access the website or online service and details of your use of the website or online service.
ACD’s website, online services, email messages and advertisements may use technologies (e.g. cookies, web beacons, tokens, pixels or tags) to collect information that assists ACD to improve its products, services, customer communications and advertising and to prevent fraud. ACD may use information that it collects through technological means to recognize you as a user of ACD’s website or online services, to facilitate and improve your use of ACD’s website or online services, to confirm that messages have been delivered to and opened by you and to provide you with targeted advertisements. You may choose to decline or disable cookies if your web browser or device permits, but doing so may affect your ability to access or use certain features of a website or online service. More information about cookies used for interest-based advertising is set out in section 4(c) below.
Much of the information that is automatically collected by technological means is non-personal information (because the information does not identify you), and ACD will deal with that non-personal information as explained below in this Privacy Policy unless applicable law requires otherwise.
(c) Credit Reports
When you apply or register for, order or use certain products or services from ACD (e.g. apply for financing or apply for pre-approval for financing), ACD may obtain, and continue to periodically obtain, your credit score and related information from a credit reporting agency to process or fulfill the transaction, and to update your confidential profile for use by ACD for purposes as set out in this Privacy Policy. Upon your request we will inform you if we have ordered such a report or reports, and will give you the name and address of the credit reporting agency that furnished the report or reports.
You also acknowledge and agree that any dealers or other persons or organizations to which we have disclosed your personal information in accordance with this Privacy Policy, may request a credit report for any legitimate purpose associated with your application for credit, extending credit, modifying the terms of your credit agreement, collection on your account, or similar services or products.
(d) Information Regarding Referred Transactions
If ACD refers you to an independent business (e.g. a lender) for a proposed transaction (e.g. a vehicle loan), then ACD may collect from that independent business information regarding the transaction to update your confidential profile for use by ACD as set out in this Privacy Policy.
(a) General
ACD uses your personal information collected by ACD for purposes relating to or arising from your relationship and transactions with ACD and as otherwise set out in this Privacy Policy or permitted by applicable law, including:
• to administer your relationship with ACD, including to create and manage your account or membership with ACD and to contact and correspond with you regarding those matters;
• to facilitate your interactions and transactions with ACD, including to process your applications, requests and orders;
• to provide products and services to you; • to process and respond to your inquiries, requests and other communications;
• to provide you with information (including by email and other electronic messages) regarding ACD and its products and services and related products and services offered by other businesses, to the extent permitted by applicable law;
• to administer and facilitate your participation in contests and promotions related to ACD;
• to maintain, protect and improve ACD’s products and services and to develop new products and services;
• to protect and enforce ACD’s legal rights, interests and remedies and to protect the business, operations and customers of ACD or other persons; and
• to assist ACD Companies to collect, use, disclose and retain your personal information in accordance with this Privacy Policy.
(b) Disclosure by ACD
ACD may share your personal information with ACD Companies, and ACD may develop, maintain and share a confidential profile for you for use by each ACD Company to provide information, products and services to you, to facilitate your dealings with each ACD Company and as otherwise set out in this Privacy Policy.
(c) Interest-Based Advertising
ACD may use interest-based advertising services (sometimes called “remarketing” or “retargeting”) provided by third party vendors (such as Google and Facebook) to display advertisements on third party websites and social media sites visited by users of ACD’s website. Advertising vendors (such as Google and Facebook) use cookies, pixels or tokens – unique identifiers of a web browser on a specific computer that are installed on the computer when it accesses ACD’s website – to display ads based on the computer’s past access to ACD’s website. You can opt-out of Google’s use of cookies by visiting Google’s Ads Settings. You can also opt out of a remarketing vendor’s use of cookies by visiting the Network Advertising Initiative’s consumer opt-out page.
(a) General
ACD discloses your personal information for purposes relating to or arising from your relationship and transactions with ACD and as otherwise set out in this Privacy Policy or permitted by applicable law.
(b) Specific Consents
ACD may disclose your personal information in accordance with express or implied consents that you give during your interactions and transactions with ACD.
(c) Referred Transactions
If ACD refers you to an independent business (e.g. a lender) for a proposed transaction (e.g. a vehicle loan), then ACD may disclose your personal information (including your credit score that you provided to ACD, bank account information, and related information) to the independent business to facilitate the proposed transaction. ACD has no responsibility or liability for, the use, disclosure or retention of your personal information by the independent business, and the use, disclosure and retention of the disclosed information by the independent business is not subject to this Privacy Policy.
(d) Suppliers and Service Providers
ACD may disclose your personal information to its suppliers and service providers (including fraud prevention services and payment processors) to assist ACD in the provision of information, products and services to you, to provide services to ACD, to assist ACD to use your personal information as set out in this Privacy Policy and as otherwise permitted by applicable law.
(e) Law Enforcement/Legal Disclosures
ACD may disclose your personal information as required or authorized by applicable law, including to comply with a subpoena, warrant or court or arbitral order or litigation disclosure obligation. ACD may disclose your personal information to law enforcement agencies or other independent organizations if ACD reasonably believes the disclosure is necessary or appropriate in connection with national security, law enforcement or other issues of public importance, or if ACD reasonably believes the disclosure is necessary or appropriate to protect and enforce ACD’s legal rights, interests and remedies or to protect the rights, interests, business, operations or customers of ACD or other persons (including to detect and prevent fraud and other illegal activities, enforce any of the terms of use, terms of service or other agreements that govern access to or use of any of ACD’s products or services). ACD has no responsibility or liability for, the use, disclosure or retention of your personal information by the agencies, independent organizations or other persons to whom ACD discloses the information in the foregoing circumstances, and the use, disclosure and retention of the disclosed information by those agencies, independent organizations or other persons is not subject to this Privacy Policy.
(f) Business Transactions
ACD may disclose your personal information in connection with a proposed or actual business transaction in which ACD is involved (such as a corporate amalgamation, reorganization, merger or acquisition, or the sale or transfer of some or all of ACD’s business or assets), but ACD will require the information recipient agree to protect the privacy of your personal information in a manner that is consistent with this Privacy Policy and applicable law.
ACD and ACD Companies, and its and their service providers may process, store and use your personal information at facilities in various countries, including Canada, the United States of America and one or more countries in Europe or Asia. The personal information protection laws of those other countries might be different from the laws of the jurisdiction in which you reside, and might permit courts, government, law enforcement agencies, regulatory agencies and security authorities to access your personal information without notice. By providing your personal information to ACD, you consent to the transfer of the personal information to facilities located in other countries and the processing and storage of the personal information at those facilities.
ACD retains your personal information for the period reasonably necessary for the purposes set out or referenced in this Privacy Policy and to comply with ACD’s legal obligations or enforce or protect ACD’s legal rights, or a longer period required or permitted by applicable law. ACD will delete or dispose of your personal information when ACD is no longer reasonably required to retain the information for the purposes set out or referenced in this Privacy Policy.
ACD uses reasonable safeguards – including administrative, physical and technical security and safeguarding measures – appropriate to the sensitivity of the personal information in ACD’s possession or under ACD’s control to help protect the information from unauthorized access, collection, use, disclosure, disposal or similar risks. Nevertheless, security risks cannot be eliminated and ACD cannot guarantee that your personal information will not be used, disclosed or deleted in ways not otherwise described in this Privacy Policy.
(a) Accuracy
ACD will rely on you to ensure that your personal information that you provide to ACD is as accurate, complete and up to date as necessary for the purposes for which ACD uses the personal information. You will promptly notify ACD of any changes to your personal information using the procedures made available for that purpose by ACD or by contacting ACD’s customer service.
(b) Access
You may reasonably request access to your personal information collected by ACD and information about ACD’s use, disclosure and retention of that personal information by submitting a written request to ACD’s Privacy Officer using the contact information noted below. Subject to applicable exceptions and limitations prescribed by applicable law, you will be given reasonable access to your personal information and you will be entitled to verify the accuracy and completeness of your personal information and to have the information revised as appropriate. You may be required to pay a reasonable fee for access to your personal information.
(c) Deletion
You may request ACD delete your personal information in its possession by submitting a written request to ACD’s Privacy Officer using the contact information noted below. Subject to applicable exceptions and limitations prescribed by applicable law, ACD will delete your personal information.
ACD will take appropriate steps to verify the identity of anyone requesting changes to, access to or deletion of the individual’s personal information. ACD may decline to process a request to change or access personal information that is unreasonably repetitive, frivolous, vexatious or impracticable, that infringes or jeopardizes the privacy of other persons, or for other reasons permitted by applicable law.
ACD creates and collects non-personal information (information that is not about an identifiable individual), including personal information that has been aggregated or otherwise depersonalized so that the information no longer relates to an identifiable individual. ACD may use, disclose, transfer and retain non-personal information for any purpose and in any manner whatsoever. If non-personal information is combined with personal information, then ACD will treat the combined non- personal information as personal information for the purposes of this Privacy Policy for as long as the non- personal information is combined.
ACD’s website and correspondence (including emails and messages) may include advertisements for products and services (e.g. vehicle sales, personal loans and credit cards) offered by independent businesses (that may have a financial relationship with ACD) or links to websites operated by independent businesses (e.g. car dealers, lenders and credit card providers). ACD has no responsibility or liability for those other websites, online services or businesses, their products or services, or their collection, use, disclosure or retention of your personal information. This Privacy Policy does not directly apply to the collection, use, disclosure and retention of your personal information by those websites, online services and independent businesses. If you have questions about how those websites, online services or independent businesses collect, use, disclose or retain personal information, please contact the owner or operator of the website, service or business.
(a) Disclaimers, Liability Exclusions/Limitations and Disputes:
The agreements (including any subscription agreement, membership agreement or terms of service or use) that you accept when you apply, register for, order or use ACD’s products or services contain important provisions, including provisions disclaiming, limiting or excluding the liability of ACD and other persons (including ACD Companies and service providers) and provisions determining the applicable law and jurisdiction for the resolution of disputes. To the extent permitted by applicable law, each of those provisions applies to any dispute that may arise in relation to this Privacy Policy or ACD’s collection, use, disclosure and retention of your personal information, and are of the same force and effect as if they had been reproduced directly in this Privacy Policy. Nothing in this Privacy Policy amends any of those other agreements.
(b) Changes to this Policy:
ACD may change this Privacy Policy from time to time by posting a new version of this Privacy Policy on ACD’s website. ACD’s collection, use, disclosure and retention of your personal information will be governed by the version of this Privacy Policy in effect at that time. Your continued dealings with ACD after any change to this Privacy Policy will signify your consent to the collection, use, disclosure and retention of your personal information as set out in the changed Privacy Policy. Accordingly, you should check the “Last Updated” date of this Privacy Policy (at the top of this Privacy Policy) and review any changes since the last version.
(c) Definition:
In this Privacy Policy, “ACD Companies” means collectively ACD’s corporate affiliates and parent company. Each of the ACD Companies is referred to as a “ACD Company”
(d) English Language:
You and ACD have each expressly requested and required that this Privacy Policy and all other related documents be drawn up in the English language. Les parties conviennent et exigent expressement que cette Politique de Confidentialité et tous les documents qui s’y rapportent soient rédigés en anglais.
(e) Contacting ACD’s Privacy Officer:
If you have any comments or questions about this Privacy Policy or how ACD deals with your personal information, please contact ACD’s Privacy Officer by mail or email at: Auto Credit Deals – Privacy Officer, Suite 600, Two Bentall Centre, 555 Burrard Street, Vancouver, British Columbia, Canada, V7X 1M8; email: [email protected].