AT MONEY UP PRIVACY POLICY
AT MONEY UP is committed to respecting the privacy and protecting the personal information of its clients and users or visitors to its website.
AT MONEY UP is committed to protecting the personal information it receives and uses, and to treating it confidentially. This privacy policy (hereinafter the "Policy") outlines the measures we take to fulfill this commitment and describes how we collect, use, store, disclose, and process the personal information of users (hereinafter collectively referred to as "users" and individually as a "user"), in accordance with applicable legislation, including the Act respecting the protection of personal information in the private sector (Quebec).
Your consent
By using our site, applying for credit, obtaining a service, or providing us with personal information, you consent to the collection, use, and disclosure of your personal information in accordance with this policy.
Personal Information Collected
We collect personal information about our users directly from them, through their interactions on our site or in connection with our services, or through third parties, as described below.
We collect users' personal information on multiple occasions, such as when they visit or use our site, when they complete a form on our site, including the website credit application form, and through the interaction between the user and our website.
Users may be asked, as appropriate, to provide their name, address, email address, telephone number, date of birth, government-issued identification number, social security number, payroll provider name, occupation, employer information including date of hire, contact information for individuals we may contact for references or to any other organization, as well as their bank and other account information.
We also collect information about how users use our site and services.
We may obtain personal information from third-party partners with your consent. For example, with your consent, we may collect your credit score and related information from credit bureaus.
By applying for a line of credit, you authorize us to verify your name, address, telephone number, and other account-related data by comparing this information with information held by third parties or publicly available sources (such as identity verification companies, fraud prevention services, government registries, or your mobile service provider) for the purpose of confirming your identity and reducing the risk of fraud, including the possibility that someone other than you may attempt to use your account or conduct a transaction without your permission, and you consent to the disclosure of this information by these third parties or to the comparison of your information for this purpose.
Information Collected Automatically Through Our Website
We may collect information about users each time they visit our website. This may include the browser name, the type of computer used, or technical information about how the user connects to our site, such as the operating system, Internet service provider, or other similar information. Most information automatically transmitted between computers does not identify a user. We use the information collected to understand how our website is used and to make improvements, as well as for the purposes described in this policy.
Cookies and similar technologies. Our website uses cookies. A cookie is a tiny piece of data that our website can send to your browser, which may then be stored on your hard drive so that we can recognize you on your next visit. We use cookies on our website to improve the user experience and to provide personalized recommendations, products, and services. We also use cookies to collect information on our behalf and on behalf of our service providers about how you use our website and other websites. This information allows us and these other websites to personalize our website or other content, such as advertisements, based on your interests and preferences (for example, your browsing language) and to enhance your user experience. If you are using a computer in a public place or sharing a computer with others, we recommend that you clear your browsing history before ending each session.
Online Advertising. We may use third-party services to display advertising on our site or on other websites. These companies may use cookies, tracking tags, or web beacons to collect information about your visits to our site and other websites (such as the web pages you view and your reactions to advertising) in order to measure the effectiveness of our marketing campaigns and to show you relevant advertising tailored to your interests, both on our site and elsewhere.
For more details, please see Google's Privacy Policy and Terms of Service: http://www.google.com/intl/fr/policies/privacy/partners
Use of Collected Information:
Your personal information may only be accessed by certain authorized individuals, and only within the scope of their assigned duties. AT Money Up may use the personal information collected from users when permitted or required by law and for various purposes:
- To provide services: We need certain information to register a user for a service, to provide and manage our services, and to resolve service-related issues.
- To process your credit facility application (including verifying your identity) and to complete the credit facility approval process.
- To personalize the user experience: We may use the information collected to personalize the user experience while using our site or a service. We also analyze data in aggregate to understand how users generally use the services and resources provided on our site.
- To improve our site: The information collected, including user feedback, helps us improve our site and services.
- To manage a promotion, contest, survey, or other site features: We use the information collected to manage contests, promotions, surveys, and other site features.
- For marketing purposes: Personal information helps us compile statistics, create a personalized consumer profile, and better understand users' needs and preferences so we can provide them with information and offers that may be of interest. We use various methods to communicate information and offers to you, including email and online advertising. Users who do not want their personal information used for these marketing purposes should notify us by contacting us as described herein.
- For other business purposes, for reasonable grounds: We may use the information collected to develop artificial intelligence to facilitate service delivery and debt collection, to detect and prevent fraudulent activity, to comply with legal requirements, to enforce agreements we have with users, and for record-keeping purposes. We could also use it for other purposes, if the user consents or if the law permits or requires it.
Sharing Your Personal Information
We may share personal information with third parties (including outside of Canada) if necessary to provide the services a user has requested.
A customer list may be compiled and shared with companies affiliated with AT Money Up. You may request that your name be removed from this list by sending a written request to the Privacy Officer at the contact information provided in the "Contact Us" section below.
With your consent, we may also share your personal information with companies affiliated with AT MoneyUp to better understand you, better meet your needs, and provide the best possible service and customer experience. If you do not wish to take advantage of this opportunity, you may decline to consent.
We may share personal information with third parties, such as identity verification companies, fraud prevention services, government agencies, and mobile service providers, to verify your identity, contact information, and account details, as described above in the Personal Information Collected section.
With your consent, we may disclose your personal information and payment history to credit bureaus to maintain their records.
We may use partners or service providers for promotional purposes or to perform certain specialized services, such as hosting or data processing services, banking and payment processing services, research, marketing and analytics services, customer service, digital support, or mail distribution.
We may share personal information in other circumstances with the user's consent or as permitted or required by law, including as required by foreign laws applicable to us, our affiliates, and our service providers.
Your Choices and Corrections
Every user has the right to access their personal information held by Money Up. We will provide you with this information within a reasonable timeframe, starting from the date we receive your written request. A reasonable fee may also be charged to process your request. Your right to access or correct your personal information is subject to applicable legal restrictions. Before granting you access to your personal information or allowing you to correct it, we will take the necessary steps to verify your identity. If any information is inaccurate, incomplete, or ambiguous, the user may request in writing that it be corrected.
Any person operating a business whose purpose is to provide credit facilities and who becomes aware of credit reports or recommendations concerning the creditworthiness of individuals, prepared by a personal information officer, must inform those individuals of their right to access and correct the file held by the officer and indicate how and where they can access these reports or recommendations and have them corrected, if necessary. The person operating such a business must provide any individual who requests it with the content of any credit report or recommendation of which they have become aware in order to make a decision concerning that individual.
You may withdraw your consent to the collection, use, and disclosure of your personal information at any time by contacting us using the contact information provided in the "Contact Us" section below. Please note that your right to withdraw your consent is subject to certain contractual and legal restrictions, as well as the requirement to provide sufficient notice. By withdrawing your consent, you may not be able to use certain features of the site, and we may be unable to provide you with certain services.
If you do not want us to use your personal information for marketing purposes, you can make a request to that effect by contacting us as described in the "Contact Us" section below or by using the unsubscribe function included in our marketing communications, if applicable.
Children's Privacy Protection
Our site is not intended for individuals under the age of 18, and we do not knowingly collect any information from anyone under the age of 18 on our site. If we become aware that we have inadvertently received information from a visitor under the age of 18 on our site, we will delete that data from our records.
Third-Party Websites
Our website may contain hyperlinks to other websites that are not owned or operated by us. Information exchanged through these other websites is not subject to this policy; therefore, we recommend that you review the privacy policy that applies to those websites. These links do not constitute an endorsement or recommendation of the linked websites. Hyperlinked websites have separate and independent privacy policies, notices, and terms of use, which we recommend that you read carefully. We have no control over these websites and, therefore, assume no responsibility for how the companies that operate these linked sites may collect, use, disclose, protect, and process personal information.
Retention of Your Personal Information
We will retain personal information for as long as reasonably necessary to perform the services you have requested, protect our website and related services and systems from fraud or other illegal activity, comply with our legal obligations, and protect and enforce our rights under the law. If you withdraw your consent to the processing of your personal information or close your account, we will cease using and disclosing your personal information to provide our services, but we may retain your personal information as necessary for the purposes stated above.
Changes to our Privacy Policy
All users agree that this policy may be modified by MONEY UP at any time and without prior notice, and that they are bound by these modifications. Therefore, Money Up suggests that users review the policy regularly. Each time we do so, we update the date at the bottom of this page. You acknowledge and agree that it is your responsibility to periodically review this policy for any changes we may have made.
By mail: info@money-up.ca
Legal Notice
AT MONEY UP (hereinafter "we") is the sole owner and operator of this website: money-up.ca (hereinafter the "site").
SCOPE AND PRELIMINARY PROVISIONS
Use of this website is subject to the following terms of use (hereinafter referred to as the "Terms"), which govern, in particular, the content and operation of the website, as well as your permitted use thereof. Please do not access the website if you do not fully accept these Terms without limitation or reservation.
By accessing the website, you agree to the Terms set forth below and agree to be bound by their provisions.
Please note that we may modify these Terms of Use at any time without prior notice. You agree to be bound by any such modifications. Therefore, we suggest that you review the Terms regularly.
USE OF THE SITE
You represent that you are of legal age in your state or province of residence, or that you are of legal age in your state or province of residence and have given your consent for a minor under your legal guardianship to use this site, that you are legally capable of entering into a contract, and that you are using this site in accordance with all of these terms and conditions. You agree to be responsible for all costs incurred in connection with your use of the site (as well as those incurred by others using your account). You also represent that all information you provide in connection with your use of the site is true and accurate.
It is your responsibility to ensure that you have legal access to the site and that the materials available on or through the site are lawful in each jurisdiction in which you access or view the site or such materials.
REGISTRATION AND SUBSCRIPTION
If you choose to subscribe to any site services or features that require a subscription, you agree to provide accurate and current information about yourself as required by the relevant registration or subscription process, and to ensure its accuracy by making any necessary updates as soon as possible. You agree to maintain the confidentiality of all passwords or other account identifiers that you choose or that are assigned to you upon registration or subscription, and to be responsible for all activities related to the use of such passwords or accounts. Furthermore, you agree to notify us immediately of any unauthorized use of your password or member account. We will not be liable, directly or indirectly, for any loss or damage of any kind arising from or related to your failure to comply with this provision.
You acknowledge that we may, at our sole and absolute discretion and without prior notice, suspend, cancel, or terminate your account, or your use of or access to the Site or any of its services, and remove and delete any information or content relating to the Site or any of the services offered (and terminate your use thereof), for any reason whatsoever, including if we believe you are not complying with these Terms. Furthermore, you acknowledge that we will not be liable to you or anyone else as a result of any such suspension, cancellation, or termination. If you are dissatisfied with AT MONEY UP or any of its services, or with any of these Terms, rules, policies, guidelines, or our practices relating to the operation of AT MONEY UP or any of its services, your sole remedy is to discontinue using the Site or the service in question.
USER COMMENTS
You agree that any comments you may make about us, particularly regarding the provision of our services, may be used and published on our site or elsewhere for advertising purposes.
LIMITATION OF LIABILITY
In addition to the other limitations of liability contained in these terms and conditions, we (and the directors, officers, employees, or agents of AT MONEY UP) are not liable under any circumstances, whether in civil law or otherwise, for any loss or damage of any kind whatsoever in connection with browsing or using the site and its content, or your use of the services offered by AT MONEYUP, except as provided in your specific agreements with us for this purpose, nor for the inability to access or use the site, including in the event of: (i) failure, defect, or destruction of our computer systems used for the operation and maintenance of the site; (ii) any delay or delay, regardless of the cause, that prevents anyone from properly using or browsing the site; or (iii) any failure, delay, or other circumstance of the same nature. nature attributable to a third party involved in the provision of services, including any other telecommunications service or equipment providers related to the site.
You understand and agree that we may, at any time and at our sole discretion, discontinue or add certain services or content on the site without prior notice and without incurring any liability in this regard.
Furthermore, we cannot be held liable if we decide to refuse, deactivate, block, suspend, or terminate a subscription or registration, or take any other action we deem appropriate, due to a breach of these terms and conditions, or for any other reason we consider relevant. We may conduct any necessary investigations in the event of a dispute or questionable situation.
We provide no warranty, express or implied, as to the accuracy, completeness, validity, or timeliness of the information and content provided on the site.
We do not guarantee that the site and the servers that make it available are free of viruses or other harmful components.
The site and its content are provided "as is" and "as available" without any representation or warranty from us of any kind, express or implied.
INTELLECTUAL PROPERTY
This website may not be reproduced, in whole or in part, without our prior express written consent.
Certain names, words, titles, phrases, logos, icons, graphic elements, designs, or other content appearing on the website pages are trademarks or trade names owned by us or trademarks licensed to us. All other material on the website is protected by copyright.
Any unauthorized downloading, retransmission, copying, or modification of the trademarks, images, text, or data contained on the website may violate federal or provincial laws, including all laws relating to trademarks, industrial designs, or copyright, and could subject you to legal proceedings.
Except for purposes specific to browsing the Internet and unless otherwise indicated, it is strictly forbidden to copy, redistribute, reproduce, republish, store on any medium, retransmit or modify the information contained on the site or to make public or commercial use of it, in any form whatsoever, subject to our prior written approval, which will be subject to all the conditions we deem necessary.
CONFIDENTIALITY
Internet communications are subject to interception, loss, or alteration. Therefore, you acknowledge that any information or materials you provide electronically by accessing or using this site are neither confidential nor proprietary, except to the extent required by applicable law, and that unencrypted email communications over the Internet may be intercepted, altered, or lost.
DOMAIN NAMES
The domain names of AT MONEY UP are its exclusive property. No misappropriation of domain names through hyperlinks, site framing, or registration of related domain names will be tolerated.
HYPERLINKS TO THIRD-PARTY SITES
This site contains links that allow you to access sites operated by third parties. These links are provided solely for your convenience and to offer you a more intuitive and enjoyable browsing experience. The existence of such links does not constitute, in any way, an implicit or explicit endorsement of the sites in question, their content, or any other sites linked to them, and we cannot be held responsible for their content.
We are free at any time to remove or modify any link appearing on the site or to add new ones. We assume no responsibility for the choice of links provided.
HYPERLINKS TO THE SITE
The site may appear among the links provided by third-party websites. We are not responsible for the content of linked sites or any links contained within them.
We cannot control the websites that link to the site. The presence of links to the site does not imply that we endorse, sanction, or otherwise recognize the content of such websites or any links contained within them.
If you wish to create a link to the site, you must first agree to the conditions set forth below. By linking to the site, you agree that the website containing the link to the site will:
- Not use framing or mirroring techniques, or any other similar method, without our prior written consent;
- Not use embedded links within images displayed on the site;
- It must not imply any affiliation between the company or individual for whose benefit the website is maintained and us, nor that we endorse the products, services, or any other content promoted by the website, unless otherwise agreed in writing;
- It must not give a false or misleading impression of the products or services we offer;
- It must not display any of our logos, unless otherwise agreed in writing;
- It must not contain material that could be interpreted as being in poor taste or offensive, or intended for or suitable for persons under the age of 18; and
- It must not promote or refer to any illicit or illegal activities.
We may, at any time and at our sole discretion, immediately revoke your privilege to link to the site.
LANGUAGE
In the event of any discrepancy between the French and English versions of the website content, including these terms and conditions and the privacy policy, the French version shall prevail.
APPLICABLE LAW AND JURISDICTION
These terms and conditions are governed by and construed in accordance with the laws of the Province of Quebec. You expressly agree that any legal or quasi-legal proceedings that may be initiated by AT MONEY UP or by you in connection with these terms and conditions or, more generally, your use of the website, shall be resolved in accordance with the applicable laws of Quebec and Canada and shall be brought before the court of competent jurisdiction in the judicial district of Longueuil, Province of Quebec, Canada.
PRECEDENCE OF CONTRACTS
Any provision of any contract or specific agreement between AT MONEY UP and you that is not compatible with the provisions of these terms and conditions or the provisions of the privacy policy will prevail over the latter provisions.
NO WAIVER
The failure of AT MONEY UP to strictly enforce any provision of these terms and conditions or the privacy policy shall not be construed as a waiver of such right or provision.
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