We limit the amount and type of personal information collected to that which is necessary for our identified purposes, and we collect personal information by fair and lawful means.
We collect the following information about you:
When you visit our Site, we also collect:
We collect personal information primarily from you, for instance through applications and supporting information and documentation you provide. We may also collect personal information about you through your ongoing interactions with us, from references, employers and other financial institutions you have identified in your application as well as credit bureaus and other third party sources. For example, we may collect personal information from credit bureaus in order to verify your current and ongoing creditworthiness and other information you may provide to us.
The main reasons we collect personal information from you are:
AvantCredit may disclose personal information to our affiliates and non-affiliated third parties in a number of circumstances including:
AvantCredit has a one loan per household policy. As such, if you receive a loan, and another household member subsequently applies and is declined, the declined household member may be informed that they were declined because we have a one loan per household policy.
AvantCredit’s website servers that support the Site, as well as many of our operations, are located in the United States. Additionally, many of our affiliates and non-affiliated third parties with whom we share your personal information may be located outside of Canada, and as a result, your personal information may be transferred across borders and it may be accessible by foreign governments or law enforcement agencies.
We will not collect, use or disclose your personal information without your consent, except where required or permitted by law.
In order to provide you with products and services, it is necessary for us to be able to collect, use and disclose your personal information for certain clearly identified purposes. By submitting your personal information on our Site, you understand and agree that we may use your personal information, including the phone number, email address or postal address you provide to us to contact you by mail, email, SMS (short Message Service) i.e. text message, and telephone (including by using automatic dialing and announcing devices). Subject to certain legal or contractual requirements, you may withdraw your consent to the collection, use or disclosure of your personal information by us at any time using the following methods:
If you withdraw your consent to our use of your personal information, we will honour such choice once we have had a reasonable opportunity to process your request. We reserve the right to take reasonable steps to authenticate your identity with respect to any such request or other inquiry. If you withdraw your consent, we may be limited or unable to provide you with certain services or information. If you wish to continue to receive the services that we provide, even if you withdraw consent, we may still need to share information we collect about you with our affiliates and non-affiliated third parties to facilitate providing our services to you, to administer our business, and as otherwise permitted or required by law. We will only transfer your personal information to non-affiliated third parties for marketing purposes with your express opt-in consent to do so.
Additionally, you may contact the Privacy Officer if you have any questions or concerns about our privacy policies and practices; to provide, deny or withdraw consent to the collection, use or disclosure of your personal information by us; or to correct inaccuracies in personal information that we retain relating to you:
AvantCredit Privacy Officer
Privacy Email or toll-free 844-411-6060.
1 Hunter Street East, Ground Floor, Hamilton, ON L8N 3W1