1. Who We Are
Quick Givers is a licensed financial institution operating in Canada, providing accessible loan and investment products to customers. We are committed to safeguarding your personal information and adhering to Canadian privacy standards. Our privacy practices aim to:
- Competitive Advantage: Differentiate us by prioritizing the privacy of our customers, vendors, and employees.
- Good Corporate Citizenship: Reflect our respect for individual privacy rights.
- Business Enablement: Build trust to foster enduring business relationships.
- Legal Compliance: Ensure compliance with Canadian privacy laws to mitigate risks of unlawful data use.
2. Purpose & Objectives
This Notice defines how we collect, store, use, transmit, disclose, and retain personal information in accordance with Canadian laws. Our objectives include:
- Protecting personal information against unauthorized access, use, or disclosure.
- Ensuring employees understand privacy obligations and the consequences of breaches.
- Limiting the use of personal information to specified business purposes.
- Providing regular privacy training and assessments for employees.
- Embedding privacy awareness in daily operations.
- Establishing feedback mechanisms to improve privacy practices.
- Ensuring third parties processing data on our behalf meet Canadian privacy standards.
- Complying with regulations on cross-border data transfers.
3. Scope
This Notice applies to all employees, contractors, vendors, interns, customers, and business partners who interact with personal information collected, processed, or shared by Quick Givers. It covers data collected through digital platforms, including websites, mobile applications, and third-party data sharing for business, analytics, or marketing purposes.
4. Consent to Our Privacy Notice
By applying for a job, accessing our platforms, or using our services, products, or features (collectively, the “Quick Givers Services”), you consent to this Privacy Notice.
5. What Personal Information Do We Collect?
We collect personal information including, but not limited to:
- Full name, address, phone number, email, date of birth, and gender.
- Government-issued identification numbers (e.g., Social Insurance Number (SIN), driver’s license, or passport number).
- Financial information (e.g., bank account details, income, and employment details).
- Credit information from credit bureaus or references.
- Biometric data (e.g., facial recognition) for identity verification, fraud prevention, or account security, where applicable.
- Technical and behavioral data (e.g., IP address, device information, browsing patterns, and clickstream data) collected via our platforms.
- Information from third parties, such as credit bureaus, employers, or guarantors, with your consent.
6. How Do We Collect Your Personal Information?
We collect personal information through:
- Direct Interactions: When you provide information via forms, applications, phone, email, chat, or in-person interactions for purposes such as applying for loans, creating accounts, or engaging with customer service.
- Automated Technologies: Through cookies, server logs, and similar technologies that collect technical data (e.g., IP address, browser type, and usage patterns) when you visit our website or use our applications.
- Third Parties or Public Sources: From credit bureaus, financial institutions, employers, or publicly available sources (e.g., social media) with your consent or as permitted by law.
Data collection methods are reviewed annually to ensure compliance with Canadian privacy regulations.
7. Purposes for Processing Your Personal Information
We process your personal information for lawful purposes, including:
- Contractual Obligations: To process loan applications, effect payments, manage accounts, and provide services.
- Legal and Regulatory Compliance: To comply with Canadian laws, including anti-money laundering (AML), fraud prevention, identity verification, and sanctions screening under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA).
- Legitimate Business Interests: To improve services, conduct analytics, send marketing communications (with consent), or seek professional advice for legal or operational purposes.
- Fraud Prevention: Biometric data (e.g., facial recognition) is used solely for identity verification and fraud prevention, not for profiling or marketing.
8. Use of Cookies
Our website uses cookies to enhance user experience, analyze site usage, and support security and marketing efforts. You can manage cookie preferences through your browser settings or our website’s “Cookie Settings” feature. Disabling cookies may affect website functionality. For more information, visit:
9. Visitors to Our Premises
We collect personal information from visitors, including names, contact details, and CCTV footage, for:
- Health and safety.
- Security of premises, employees, and assets.
- Crime prevention and investigation.
- Compliance with internal policies and Canadian regulations.
10. Disclosure of Personal Information
We may disclose your personal information to:
- Employees, officers, or agents of Quick Givers.
- Professional advisors, auditors, or service providers supporting our business.
- Financial institutions, credit bureaus, or fraud prevention agencies for credit checks or AML purposes.
- Regulatory authorities, courts, or law enforcement as required by Canadian law.
- Authorized third parties with your consent or as permitted by law.
We do not sell your personal information or share it for third-party marketing without your explicit consent.
11. Security of Personal Information
We implement robust security measures, including:
- Data encryption and secure access controls.
- Regular security audits and employee training.
- Bi-annual reviews to address emerging threats.
Personal information may be transferred or stored outside Canada, subject to compliance with PIPEDA and contractual safeguards with third-party providers. Biometric data is processed locally on your device and not stored or shared externally.
12. Retention of Personal Information
We retain personal information only as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations (e.g., tax or AML requirements), or resolve disputes. Data no longer needed is securely deleted or anonymized in accordance with our retention policy.
13. Other Terms and Conditions
Specific terms in our service agreements may govern the use of your personal information and should be read alongside this Notice.
14. Automated Decisions and Profiling
We may use automated processes, such as credit scoring or fraud detection, to provide services or comply with AML regulations. Safeguards include regular reviews and the option to request human intervention for contested decisions.
15. Marketing
We may use your personal information for marketing purposes (e.g., promotions or surveys) with your explicit consent. You can opt out at any time via unsubscribe links or by contacting customer service.
16. Monitoring
We may monitor electronic communications (e.g., emails or calls) to ensure compliance with legal, regulatory, and internal policies, as permitted by Canadian law.
17. Sponsorship and Donations
Personal information related to sponsorships or donations may be processed for due diligence, AML compliance, or legal purposes, as required by Canadian regulations.
18. Your Personal Information Rights
Under Canadian privacy laws (e.g., PIPEDA), you have the right to:
- Access: Request a copy of your personal information.
- Correction: Update inaccurate or outdated information.
- Withdrawal of Consent: Withdraw consent for processing where applicable.
- Object or Restrict: Challenge or restrict how your data is processed.
- Portability: Request your data in a machine-readable format.
- Erasure: Request deletion of data, subject to legal retention requirements.
19. Complaints
If you have concerns about how we handle your personal information, contact our Privacy Officer at [insert email]. You may also file a complaint with the Office of the Privacy Commissioner of Canada (OPC).
20. Remedies and Contacting Us
In case of a data breach, we will notify the OPC and affected individuals within the timelines required by PIPEDA (typically within 30 days). Contact us at:
We will respond to inquiries within 30 days.
21. Changes to This Privacy Policy
This Notice may be updated periodically. Check our website for the latest version.
22. Applying to Work for Quick Givers
Refer to our separate Privacy Notice for Job Applicants & Employees.
23. Linked Websites
This Notice does not apply to third-party websites linked to our platforms or displaying our advertisements.
