1. Introduction
Credit Bridge Lending Group ("Credit Bridge", "we", "us" or "our") respects your privacy. This Privacy Policy explains how we collect, use, disclose and safeguard personal information when you visit our website, apply for a loan or otherwise interact with us. We handle personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws.
2. Information we collect
We may collect the following types of personal information:
- Identity and contact information, such as your name, date of birth, address and email address.
- Financial information, such as income, employment details, housing costs, existing debts and banking information needed to fund or collect a loan.
- Credit information obtained from credit reporting agencies with your consent.
- Property, vehicle or business information where relevant to home equity, auto or business loans.
- Technical information, such as IP address, browser type, device information and pages visited.
- Communications you send to us, including messages submitted through our contact form.
3. How we use your information
We use personal information to:
- Verify your identity and prevent fraud;
- Assess your application, determine eligibility and present loan offers;
- Administer, service and collect your loan;
- Respond to your inquiries and provide customer support;
- Meet legal and regulatory obligations, including anti-money laundering requirements;
- Improve our website, products and services; and
- Send you marketing communications where you have consented, which you may withdraw at any time.
4. Credit reporting agencies
With your consent, we obtain credit information from Canadian credit reporting agencies such as Equifax Canada and TransUnion Canada. Checking your rate uses a soft inquiry that does not affect your credit score. If you accept a loan offer, we may perform a hard inquiry. During the life of your loan, we may report your account and payment history to credit reporting agencies.
5. How we share information
We do not sell your personal information. We may share it with:
- Service providers who help us operate our business, such as identity verification, payment processing, cloud hosting and appraisal services, who are bound by confidentiality obligations;
- Credit reporting agencies, as described above;
- Legal, regulatory or law enforcement authorities where required or permitted by law;
- A successor entity in connection with a merger, acquisition or sale of assets, subject to this Policy.
Some service providers may store or process information outside of Canada, where it may be subject to the laws of that jurisdiction.
6. Consent
By submitting an application or using our services, you consent to the collection, use and disclosure of your personal information as described in this Policy. You may withdraw consent at any time, subject to legal or contractual restrictions and reasonable notice. Withdrawing consent may affect our ability to provide you with a loan or services.
7. Retention
We keep personal information only as long as necessary to fulfil the purposes for which it was collected, including legal, regulatory, accounting and reporting requirements. When it is no longer needed, we securely destroy or anonymize it.
8. Security
We use administrative, technical and physical safeguards designed to protect personal information, including encryption in transit, access controls and staff training. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.
9. Your rights
You have the right to request access to the personal information we hold about you, ask us to correct inaccurate information, and withdraw consent as described above. To make a request, email privacy@creditbridgelending.com. We may need to verify your identity before responding. If you are not satisfied with our response, you may contact the Office of the Privacy Commissioner of Canada or your provincial privacy regulator.
10. Cookies and analytics
Our website uses cookies and similar technologies to operate the site, remember your preferences and understand how visitors use it. You can control cookies through your browser settings; disabling them may affect some site features.
11. Children
Our services are intended for adults who have reached the age of majority in their province or territory. We do not knowingly collect personal information from minors.
12. Changes to this Policy
We may update this Privacy Policy from time to time. The "Last updated" date above shows when it was last revised. Material changes will be posted on this page.
13. Contact us
Questions about this Policy or our privacy practices can be sent to our Privacy Officer at privacy@creditbridgelending.com or through our contact form.