Privacy Policy

iCredit (“iCredit”, “we,” “us,” or “our”) is committed to protecting your privacy and ensuring that your personal information is handled in a safe and responsible manner. This Privacy Policy explains the types of personal information we collect, how we use and share that information, and the steps we take to ensure its protection. By using our services, you agree to the collection and use of information in accordance with this policy.

1.1 Personal Information Provided by You

We collect personal information that you provide to us directly, such as when you fill out an application, contact our customer service, or sign up for newsletters and alerts.

This information may include:

• Contact Information: Your name, email address, postal address, and phone number.
• Identification Information: Date of birth, social insurance number (SIN), driver’s license number, or other government-issued identification numbers.
• Financial Information: Bank account details, income information, credit history, and employment details.
• Other Information: Any other details necessary for processing your application or inquiries.

1.2 Information Collected Automatically

When you visit our website, we may automatically collect information about your device and usage patterns.

This information may include:

• Technical Data: IP address, browser type, Internet service provider (ISP), referring/exit pages, operating system, and date/time stamps.
• Usage Data: Pages visited, time spent on each page, and other related browsing activities.

2.1 Processing Applications

We use your personal information primarily to process and manage your applications. This involves verifying your identity and determining your eligibility for loan products. When users apply for iCredit by submitting a form, they will be asked to provide certain personal information to complete their requests. This information may be shared with one or more third parties to help the User with their request, as we are not a direct service provider.

2.2 Communication

We use your contact information to communicate with you regarding your application status, our services, and any updates or changes. This includes sending you important notifications and administrative messages.

2.3 Marketing and Promotions

With your consent, we may use your information to send you promotional materials and offers from us or our partners. You can opt out of receiving these communications at any time.

2.4 Service Improvement

We analyze the information collected to understand user behaviour and preferences. This helps us improve our website, services, and customer experience.

2.5 Legal and Compliance

We may use your information to comply with legal obligations, resolve disputes, enforce our agreements, and prevent fraudulent activities.

3.1 Service Providers

We may share your personal information with third-party service providers who assist us in operating our business, such as:

• Credit Bureaus: For credit checks and reporting.
• Payment Processors: To handle transactions and payments.
• IT and Security Providers: For website hosting, data analysis, and security measures.

3.2 Affiliates and Partners

With your consent, we may share your information with our affiliates and partners for marketing and promotional purposes. These entities are obligated to protect your information and use it only for authorized purposes.

3.3 Legal Requirements

We may disclose your information if required by law, such as in response to a subpoena, court order, or other legal processes, or to protect our rights and property.

4.1 Personal Information Provided by You

We collect personal information that you provide to us directly, such as when you fill out an application, contact our customer service, or sign up for newsletters and alerts.

This information may include:

• Contact Information: Your name, email address, postal address, and phone number.
• Identification Information: Date of birth, social insurance number (SIN), driver’s license number, or other government-issued identification numbers.
• Financial Information: Bank account details, income information, credit history, and employment details.
• Other Information: Any other details necessary for processing your application or inquiries.

5.1 Use of Cookies

Our website uses cookies and similar tracking technologies to enhance your experience. Cookies are small data files stored on your device that help us remember your preferences and understand how you interact with our site.

5.2 Types of Cookies Used

Essential Cookies: Necessary for the website to function properly.

Performance Cookies: Help us analyze site usage and improve performance.

Functional Cookies: Remember your preferences and enhance user experience.

Advertising Cookies: Used to deliver relevant ads and track their effectiveness.

5.3 Managing Cookies

You can control and manage cookies through your browser settings. However, disabling cookies may affect the functionality of our website.

6.1 Access and Update

You have the right to access and update your personal information at any time. You can do this by logging into your account or contacting our customer service.

6.2 Opt-Out

You can opt out of receiving marketing communications from us by following the unsubscribe instructions included in our emails or contacting us directly.

6.3 Data Deletion

You may request the deletion of your personal information, subject to certain legal and contractual obligations. We will make reasonable efforts to comply with your request promptly.

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any significant changes by posting the updated policy on our website and updating the effective date at the top of this page.