Privacy Policy

Please take a moment to review the terms of our Privacy Policy. By using the Site and participating in the Service, you agree to accept the terms of our Privacy Policy. If you do not agree to the terms of this Privacy Policy, please do not use the Site or participate in the Service.

Your privacy is our concern

We recognize the importance of safeguarding your personal information. We collect and retain information about you in order to communicate with you, to process your request for goods and services, as well as to inform you of other financial services that may be of interest to you. Except as explained here in our Privacy Policy we do not sell nonpublic information about either current or prior customers, nor do we share this information with anyone other than our affiliates. The examples in this Privacy Policy are illustrative only and are not intended to be exclusive.

This policy evolves with business factors, technology, etc. You should consult it each time you consider use of our service.

Crediteck.ca is not lender or financial institution, and therefore do NOT make decisions regarding payday loans or cash advances. Completing the form does not guarantee approval of your loan. Your application is forwarded to one of our many service providers who will potentially provide you with a payday loan.

Minors

We do not knowingly target our services or collect information on persons under 18 years of age.

Information Collection and Storage

The following is required information you must provide when applying for one of our products or services: name, city, state, address, postal code, work phone, home phone, e-mail address, house type, loan amount desired, place of employment, years employed, yearly income, loan desired, and best time to call.

If you communicate with us via e-mail we will keep those messages, as well as a record of our responses. We protect this information in the same way that we protect telephone and mail communications.

We keep your information for as long as your account is active. We will retain your information as necessary to comply with legal obligations, resolve disputes and to enforce our agreements.

Information Usage

When you submit your application online you grant permission to be contacted by the site and affiliated third parties.

We use personal information in providing the loans applied for, processing the payment, advertising and marketing efforts, monitoring the use of the service, improving our products and services, as well as, the site’s content and design and other lawful purposes.

Your information will be shared with lenders who receive your application as well as affiliated third parties, as needed, to fulfill your loan request. These affiliated companies may also send you information about products and special offers that may be of interest to you.

We will also use the information to notify you about changes to our website, our services and to inform you of special offers you may find worthwhile.

Sharing and Selling Information

We do not share, sell, lend or lease any of the personal or financial information that you choose to provide us (such as personal details or bank information) with anyone except to the extent it is necessary to process transactions or provide services that you have requested.

We do share with affiliated third parties such as, but not limited to, lenders, title service companies and auto finance companies.

We may also use your information to service our relationship with you, to prevent fraud, for the purposes of debt collection, to conduct our business, including better customer service and to market other products from the site, as well as, affiliated third parties. It may also be used for statistical analysis.

Updating your information

You may update your information at any time by emailing us. Go to the Contact Us page on our website.

Cookies

In a manner similar to virtually all commercial or business websites we use “Cookies” to store information. A cookie is a small text file that is stored on a user’s computer for record-keeping purposes.

We use both session ID cookies and persistent cookies. We use session cookies to make it easier for you to navigate our site. A session ID cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time. You can remove persistent cookies by following directions provided in your Internet browsers help file.

We set a persistent cookie to store your passwords, so you don’t have to enter it more than once. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our site.

If you reject cookies, you may still use our site, but your ability to use some areas of our site will be limited.

Third Party Cookies

The use of cookies by our tracking utility company is not covered by our privacy statement. We do not have access or control over these cookies. Our tracking utility company uses session ID cookies to make it easier for you to navigate our site.

Security and fraud

Site uses a variety of security technologies to protect your personal information. No method of transmission, over the internet, or mode of storage, is 100% secure. As a result, we cannot guarantee its 100% security. If false or inaccurate information is provided, the information will be passed on to appropriate law enforcement agencies.

Policy Changes

From time to time the privacy policy is changed due to advancing technology, new laws, etc. You should always read the privacy policy of any site you visit, even if you have gone there before, just to make sure nothing has changed. We would not use your information in a manner that is not in accordance with this privacy policy.

Material Disclosure. The operator of this website is not a lender, loan broker or agent for any lender or loan broker. We are an advertising referral service to qualified participating lenders that may be able to provide amounts between $100 and $1,500. Not all lenders can provide up to $1,500 and there is no guarantee that you will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This is not a solicitation for a particular loan. We do not endorse or charge you for any service or product. Any compensation received is paid by participating lenders and only for advertising services provided. This service and offer are void where prohibited. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan. For details, questions or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, their current rates and charges, renewal, payments and the implications for non-payment or skipped payments. The registration information submitted by you on this website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, apply for credit or any loan product, or accept a loan from a participating lender. Cash transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws. Some faxing may be required. Be sure to review our FAQs for additional information on issues such as credit and late payment implications. These disclosures are provided to you for information purposes only and should not be considered legal advice.

Exclusions. Residents of some provinces and territories may not be eligible for some or all short-term, small-dollar loans. The provinces and territories serviced by this website may change from time to time, without notice.

Credit Implications. The operator of this website does not make any credit decisions. Independent, participating lenders that you may be matched with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit.

Professional Advice. Loans provided by independent, participating lenders in our network are designed to provide cash to you to be repaid within a short amount of time. The short-term loans are not a solution for long-term debt and credit difficulties. Only borrow an amount that can be repaid on the date of your next pay period. Consider seeking professional advice regarding your financial needs, risks and alternatives to short-term loans.

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