Crediteck is committed to the protection of your personal information. We adhere to the guidelines set forth by the Canadian Personal Information Protection and Electronic Documents Act.
When a user applies or submits their contact information using our website, the information we collect will be used to contact the user. Crediteck does not arrange or underwrite any financial services, Crediteck is a simple referral service. Financial information we collect from users will be used to find eligible third party providers for the financial service the user applied for. The information provided to us by users may be shared with other financial service partners to process the user’s information on their behalf. Information is only disclosed to partners that have been bound by confidentiality obligations.
We take all precautions to protect every user’s information. The information submitted to us by users is protected and available only to our customer care agents or service representatives, who are trained and up to date on current security and privacy practices.
Crediteck only collects information required to match users with providers for the financial services they request. Our goal is to minimize intrusiveness and maximize the protection of your personal information. Crediteck may use data obtained from your application in order to advertise or promote products and services to you that Crediteck believes may be beneficial to you.
When you provide your personal information through our website, you are consenting, acknowledging and agreeing to the disclosure of your personal information with potential providers of loans (and different products & services) and other lead providers (companies who help connect potential borrowers and lenders by selling potential borrowers’ personal information to lenders). If you do not provide this information,Crediteck will not be able to provide your contact information and other details to those potential lenders and lead providers. Be aware that the providers, including lead providers with whom you are matched may retain or use your personal information whether or not you use their services and you should contact these lenders and lead providers directly concerning their privacy and information sharing practices which may differ from Crediteck. You can access your personal information stored by us or withdraw your consent to the collection and use of your information by contacting the Privacy Officer of Crediteck. You can submit any request related to consent withdrawal or the removal of personal information from our database directly to privacy@crediteck.ca. Please allow up to 72 business hours for your consent withdrawal to be serviced in full.
By entering your e-mail address or phone number, or other contact details in our online application, partially completing an online form, or by clicking the privacy checkbox in the application form, you consent to Crediteck and/or our other partners contacting you by phone, mail, text message or e-mail to:
Furthermore, by providing your personal information on this website, you have asked us to put you in touch with potential lenders or service providers. Please note, e-mails sent from Crediteck are sent from its own web/e-mail servers or Amazon Web Services. We reserve the right to use your given (first) name for demonstration purposes, in the form of a pop-up on www.Crediteck.ca
Crediteck does not arrange or underwrite loans, mortgages or any other financial service. Our platform allows users to research, search and compare financial services and providers. When you apply for a service on Crediteck, our platform will make a simple referral of your application to qualified providers.
Accuracy and Access to Personal Information
Crediteck will rely on you to ensure that your personal information that you provide to us is as accurate, complete and up to date as necessary for the purposes for which Crediteck uses the personal information. You will promptly notify Crediteck of any changes to your personal information using the procedures made available for that purpose by Crediteck or by contacting Crediteck customer service.
You may reasonably request access to your personal information collected by Crediteck and information about Crediteck’s use, disclosure and retention of that personal information by submitting a written request to Crediteck 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. Crediteck may decline to process a request 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.
Non-Personal Information
Crediteck 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. Crediteck 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 Crediteck 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.
Other Websites and Businesses
Crediteck’s website and correspondence (including emails and messages) may include advertisements for products and services offered by independent businesses (that may have a financial relationship with Crediteck) or links to websites operated by independent businesses (e.g. lenders financial services providers). Crediteck has no responsibility or liability for over, 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.
Other Matters
(b) Changes to this Policy:
Crediteck may change this Privacy Policy from time to time by posting a new version of this Privacy Policy on its website. Data 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 Crediteck 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) English Language:
You and Crediteck 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.
(d) Definition:
In this Privacy Policy, “Crediteck” means collectively Crediteck’ corporate affiliates and parent company.
(e) Contacting Crediteck Privacy Officer:
If you have any comments or questions about this Privacy Policy or how Crediteck deals with your personal information, please contact Privacy Officer by mail or email at: privacy@crediteck.ca
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Disclaimer: Crediteck is an independent loan search and financial services comparison platform. Crediteck may receive compensation from the offers shown on its website or the providers you may be matched with after you submit an application. Our intention is to provide you with the best tools, content, products and services to help you reach your financial goals. Crediteck’s services and resources are free to use and we do not charge consumers for any of our services. We aim to provide applicants with impartial and accurate information so that they can make the best financial decisions.
Loans range from $100-$5,000 with terms from 4 months to 24 Months or longer. APRs range from 29.99% to 46.96% and will depend on our partner’s assessment of your credit profile. For example, on a $1,000 loan paid monthly over 12 months at 29.99% APR, a person will pay $125.09 per month for a total of $1,501.08 over the course of the entire loan period. In the event of a missed payment an insufficient funds fee of around $45 may be charged (dependent on the lender).
* You acknowledge that by completing and submitting the website application you are applying for a Loan. Crediteck.ca does not perform any credit checks as part of the process of connecting you to a lender. Once connected to a lender they may, at their discretion, perform credit verification through national databases in order to determine your eligibility and ability to repay. Simply having bad credit is often not a disqualifying factor in the loan approval process.