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Our Privacy Policy

 

Last modified on the 1st day of February, 2024.


  • INTRODUCTION
  • Move Metal Media Inc. o/a andcarsfinance.com ("Company" or "We" or “Our”) respects your privacy and is committed to protecting it by complying with this privacy policy (this “policy”). This policy should be read together with Our website’s Terms and Conditions of Use https://www.andcarsfinance.com/terms-of-service. Any terms used but not otherwise defined herein shall have the meanings given to them in the Terms and Conditions of Use.
    1. This policy describes:
  1. How we collect, use, disclose, and protect the personal information of our customers and website users ("you").
  2. Describes the types of information we may collect from you or that you may provide when you visit the website https://www.andcarsfinance.com (our "Website").
  3. Our practices for collecting, using, maintaining, protecting, and disclosing that information.
  1. Privacy laws in Canada generally define "personal information" as any information about an identifiable individual, which includes information that can be used on its own or with other information to identify, contact, or locate a single person. Personal information does not include business contact information, including your name, title, or business contact information.
  2. This policy applies to information we collect, use, or disclose about you on this Website, in email, text, and other electronic messages between you and this Website.
  3. The Website may include links to third-party websites, plug-ins, services, social networks, or applications. Clicking on those links or enabling those connections may allow the third party to collect or share data about you. If you follow a link to a third-party website or engage a third-party plugin, please note that these third parties have their own privacy policies and we do not accept any responsibility or liability for these policies. We do not control these third-party websites, and we encourage you to read the privacy policy of every website you visit.
  4. Please read this policy carefully to understand our policies and practices for collecting, processing, and storing your information. If you do not agree with our policies and practices, do not to use our Website. By accessing or using this Website, you confirm that you understand, accept, and consent to the terms of this policy. We may change this policy from time to time (see Changes to Our Privacy Policy). Your continued use of this Website after we make any changes confirms that you accept and consent to such changes. 
  • INFORMATION WE COLLECT ABOUT YOU
    1. We collect and use several types of information from and about you, including:
      1. Personal information, that you share with us in your application, with which we can reasonably use to directly or indirectly identify you, such as your name, mailing address, e-mail address, telephone number, Internet protocol (IP) address used to connect your computer to the Internet, user name. gender, age and date of birth, employment information, financial data, home ownership status, marriage status or other similar identifier, billing and account information, social insurance number, and any other identifier we may use to contact you (collectively, your "personal information"). 

We provide an opportunity for any user to opt-out of contact for marketing purposes on an ongoing basis by accessing our Website, or e-mailing to support@andcarsfinance.com.

  1. Business-related information, namely information that related to your business duties, including:
    1. title;
    2. duties;
    3. business address;
    4. business email address; and
    5. business telephone number.
  2. Non-personal information, that does not directly or indirectly reveal your identity or directly relate to an identifiable individual, such as demographic information, or statistical or aggregated information. Statistical or aggregated data does not directly identify a specific person, but we may derive non-personal statistical or aggregated data from personal information. For example, we may aggregate personal information to calculate the percentage of users accessing a specific Website feature. 
  3. Technical information, including your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform, or information about your internet connection, the equipment you use to access our Website, and usage details.
  4. Non-personal details about your Website interactions, including the full Uniform Resource Locators (URLs), clickstream to, through and from our Website (including date and time), products you viewed or searched for, page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), methods used to browse away from the page, or any phone number used to call our customer service number.
  • HOW WE COLLECT INFORMATION ABOUT YOU
      1. We use different methods to collect your information, including but not limited to:
        1. Direct interactions with you when you provide it to us when you submit an application for our Services, including for example, the submission of any ancillary forms for additional information, or corresponding with us by phone, email, or otherwise. 
        2. Automated technologies or interactions, as you navigate through our Website. Information collected automatically may include usage details, IP addresses, and information collected through cookies, web beacons, and other tracking technologies.
        3. Third parties or publicly available sources, for example, our business partners.
  • Information You Provide to Us 
      1. The information we collect directly from you on or through our Website include but are not limited to:
        1. Personal information provided with your application, at the time of registering an account to use our Website, apply for our Services, additional information submitted in a request further services, or information when you report a problem with our Website.
        2. Records and copies of your correspondence (including email addresses) with us.
        3. Your responses to surveys that we may ask you to complete for research purposes, from time to time.
        4. Details of transactions that you carry out through our Website, including any financial information.
        5. Your search queries on the Website.
      2. You may also provide information to be published or displayed (hereinafter, "posted") on public areas of the Website or transmitted to other users of the Website or third parties (collectively, "User Contributions"). Your User Contributions are posted on and transmitted to others at your own risk. Additionally, we cannot control the actions of other users of the Website with whom you may choose to share your User Contributions. Therefore, we cannot and do not guarantee that unauthorized persons will not view your User Contributions.
  • Information We Collect Through Cookies and Other Automatic Data Collection Technologies  
      1. As you navigate through and interact with our Website, we may use cookies or other automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:
        1. Details of your visits to our Website, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website.
        2. Information about your computer and internet connection, including your IP address, operating system, and browser type.
      2. The information we collect automatically is statistical information and may include personal information, and we may maintain it or associate it with personal information we collect in other ways, that you provide to us, or receive from third parties. It helps us to improve our Website and to deliver a better and more personalized service, including by enabling us to:
        1. Estimate our audience size and usage patterns.
        2. Store information about your preferences, allowing us to customize our Website according to your individual interests.
        3. Speed up your searches.
        4. Recognize you when you return to our Website.
      3. The technologies we use for this automatic data collection may include:
  • Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website. 
  • Flash Cookies. Certain features of our Website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our Website. Flash cookies are not managed by the same browser settings that are used for browser cookies. For information about managing your privacy and security settings for Flash cookies, see Choices About How We Use and Disclose Your Information.
        1. Web Beacons. Pages of our Website and our e-mails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity). 
  • HOW WE USE YOUR INFORMATION
      1. We use information that we collect about you or that you provide to us, including any personal information:
        1. To share with our network of car dealerships in order to assist you with the purchase and/or financing of a motor vehicle. In connection with our Services, we may also share your information with third-party service providers.
        2. To present our Website and its contents to you.
        3. To provide you with information, or services that you request from us.
        4. To fulfill the purposes for which you provided the information, including for the Services, or that were described when it was collected, or any other purpose for which you provide it.
        5. To carry out our obligations and enforce our rights arising from any contracts with you, including but not limited to for billing and collection or to comply with legal requirements.
        6. To notify you about changes to our Website or any products or services we offer or provide though it.
        7. To improve our Website, products or services, marketing, or customer relationships and experiences.
        8. In any other way we may describe when you provide the information.
        9. For any other purpose with your consent.
      2. We may also use your information to contact you about goods and services that may be of interest to you, as permitted by law. If you do not want us to use your information in this way, please email us at support@andcarsfinance.com. For more information, see Your Choices About How We Use and Disclose Your Information.
      3. We may use the information we have collected from you to enable us to display advertisements to our advertisers' target audiences. Even though we do not disclose your personal information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria.
  • DISCLOSURE OF YOUR INFORMATION
      1. We may disclose personal information that we collect or you provide as described in this privacy policy:
        1. To fulfill the purpose for which you provide it, including to third-party car dealerships, creditors and credit agencies in connection with your request for our Services.
        2. To our subsidiaries and affiliates.
        3. In accordance with applicable law, to a buyer or other successor of the Company in the event of a restructuring, reorganization, dissolution, change of control, or other sale or transfer of some, all or substantially all of our assets, whether as a going concern or as part of bankruptcy, liquidation, winding-up or similar proceeding, in which personal information held by us about our customers and users is among the assets transferred.
        4. To advertisers and advertising networks that require the information to select and serve relevant advertisements to you and others. 
        5. To third parties to market their products or services to you if you have consented to these disclosures. 
        6. For any other purpose disclosed by us when you provide the information.
        7. With your consent.
      2. We may also disclose your personal information:
        1. To comply with any court order, law, or legal process, including to respond to any government or regulatory request, in accordance with applicable law.
        2. To enforce or apply the terms of use for our Website and other agreements, including for billing and collection purposes.
        3. If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Move Metal Media Inc. o/a AndCarsFinance, our directors, officers, employees, contractors, agents, consultants, affiliates, users, customers, or others. This may include exchanging information with other third-party companies and organizations for the purposes of fraud protection and credit risk reduction.
  • TRANSFERRING YOUR PERSONAL INFORMATION
  • We may transfer personal information that we collect or that you provide as described in this policy to contractors, service providers, and other third parties we use to support our business (such as analytics and search engine providers that assist us with Website improvement and optimization) and who are contractually obligated to keep personal information confidential, use it only for the purposes for which we disclose it to them, and to process the personal information with the same standards set out in this policy.
      1. We may process, store, and transfer your personal information in and to a foreign country, with different privacy laws that may or may not be as comprehensive as Canadian law. In these circumstances, the governments, courts, law enforcement, or regulatory agencies of that country may be able to obtain access to your personal information through the laws of the foreign country. Whenever we engage a service provider, we will with best efforts require that their privacy and security standards adhere to this policy and applicable Canadian privacy legislation where possible.
      2. By submitting your personal information or engaging with the Website, you consent to this transfer, storage, or processing.
  • YOUR CHOICES ABOUT HOW WE USE AND DISCLOSE YOUR INFORMATION
      1. We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information: 
  • Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. To learn how you can manage your Flash cookie settings, visit the Flash player settings page on Adobe's website. If you disable or refuse cookies, please note that some parts of this Website may not be accessible or may not function properly. 
  • Promotional Offers from the Company. If you have opted in to receive certain emails from us but no longer wish to have your contact information used by the Company to promote our own or third parties' products or services, you can opt-out by logging into the Website and adjusting your user preferences in your account profile by checking or unchecking the relevant boxes or by sending us an email stating your request to support@andcarsfinance.com. If we have sent you a promotional email, you may unsubscribe by clicking the unsubscribe link we have included in the email. 
        1. We do not control third parties' collection or use of your information to serve interest-based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of several third party ad servers' and networks' cookies simultaneously by using an opt-out tool created by the Digital Advertising Alliance of Canada and an opt-out tool created by the Network Advertising Initiative. You can also access these websites to learn more about online behavioral advertising and how to stop websites from placing cookies on your device. Opting out of a network does not mean you will no longer receive online advertising. It does mean that the network from which you opted out will no longer deliver ads tailored to your web preferences and usage patterns.
  • DATA SECURITY
      1. The security of your personal information is very important to us. We use physical, electronic, and administrative measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. We store all information you provide to us on secure servers.
      2. The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. 
      3. Unfortunately, the transmission of information via the Internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website. 
  • DATA RETENTION
      1. Except as otherwise permitted or required by applicable law or regulation, we will only retain your personal information for as long as necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements. Under some circumstances we may anonymize your personal information so that it can no longer be associated with you. We reserve the right to use such anonymous and de-identified data for any legitimate business purpose without further notice to you or your consent. 
      2. No personal information will be retained after the purposes for which they are collected have been fulfilled, and will be permanently deleted from our servers and/or securely destroyed promptly thereafter.
  • AGE OF CONSENT
      1. By using our Website, you represent and warrant that you are at least the age of majority in your jurisdiction of residence, and that you give us consent to allow any of your minor dependents to use our Website.
  • ACCESSING AND CORRECTING YOUR PERSONAL INFORMATION
      1. It is important that the personal information we hold about you is accurate and current. Please keep us informed if your personal information changes. By law you have the right to request access to and to correct the personal information that we hold about you.
      2. We may request specific information from you to help us confirm your identity and your right to access, and to provide you with the personal information that we hold about you or make your requested changes. Applicable law may allow or require us to refuse to provide you with access to some or all of the personal information that we hold about you, or we may have destroyed, erased, or made your personal information anonymous in accordance with our record retention obligations and practices. If we cannot provide you with access to your personal information, we will inform you of the reasons why, subject to any legal or regulatory restrictions.
      3. If you are concerned about our response or would like to correct the information provided, you may contact our Privacy Officer at support@andcarsfinance.com
  • WITHDRAWING YOUR CONSENT
      1. Where you have provided your consent to the collection, use, and transfer of your personal information, you may have the legal right to withdraw your consent under certain circumstances. To withdraw your consent, if applicable, send us an email at support@andcarsfinance.ca. Please note that if you withdraw your consent we may not be able to provide you with a particular product or service. We will explain the impact to you at the time to help you with your decision. 
  • CHANGES TO OUR PRIVACY POLICY
      1. It is our policy to post any changes we make to our privacy policy on our Website. Any and all such changes are effective immediately upon posting and apply to your access to and continued use of the Website.
      2. You are responsible for periodically visiting our Website and this privacy policy to check for any changes.
  • CONTACT INFORMATION 
    1. We welcome your questions, comments, and requests regarding this privacy policy and our privacy practices. Please contact our privacy officer at support@andcarsfinance.com



  1. We have procedures in place to receive and respond to complaints or inquiries about our handling of personal information, our compliance with this policy, and with applicable privacy laws. To discuss our compliance with this policy please contact our privacy officer using the contact information listed above.




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 2024
. All Rights Reserved.