Asmartchoice.ca, owned and operated by Smart Choice Sales and Lease Ownership Inc. (“Smart Choice”, “we”, “us”, or “our”) is committed to the protection of personal information for customers under the Federal Personal Information Protection and Electronic Documents Act (PIPEDA), which has been in effect since January 1st, 2004.
Personal Information and Third Parties
Collection and Use
From time to time, we may collect information from you, references, employers, other financial and business parties, consumer reporting agencies and other third party sources. We may also collect personal information about you through ongoing interactions with us. You agree that we or our service vendors (whether engaged by or on behalf of us or any of our assignees) can use it:
- to open, manage, maintain, service, process, analyze, audit, promote and collect on account(s);
- to verify identity and other customer information;
- to financial institutions for payment processing purposes;
- to enforce the terms of your agreement(s);
- to verify your current and ongoing credit worthiness;
- to protect you from identity theft, fraud, and unauthorized access to your account;
- to assess your ongoing eligibility or suitability for services provided by Smart Choice;
- to assess your needs for other products or services provided by Smart Choice ;
- to advertise, market and inform you of special promotions or products for customers who have chosen to receive such communication, including mail, email, text messaging, and telephone including the use of automatic dialers and announcing devices;
- to enter you in and administer free promotional contests that we may offer from time to time, and if you win, to identify you for promotion and advertising purposes;
- to protect the business interests of Smart Choice and its customers, including to detect and prevent fraud and other unauthorized or illegal activities;
- to share application and transaction information with consumer reporting agencies and other parties who have financial, employment or business dealings with you; and for any purpose permitted or required by law.
- to maintain business records for reasonable periods of time to meet legal and regulatory record keeping requirements.
This information may also be shared with any person or entity to which we have assigned or transferred an interest in your account or any debt or interest due under the terms to be provided in the Agreement, if approved, and/or any of our rights and obligations under the Agreement (including any subsequent assignee or transferee).
Smart Choice’s website(s) do not automatically gather any specific personal information from you, such as your name, phone number or e-mail address. We would only obtain this information if you supply it by sending us an email or by filling out a form on our website. Your knowledge, consent and active participation are required for the collection, use or disclosure of your personally identifiable information except where required or permitted by law. Such personally identifiable information may include your name, street address, e-mail address, company name and/or telephone numbers, etcetera (collectively referred to herein as “Personal Information”).
If you give us your Social Insurance Number, we may use it to identify you with consumer reporting agencies and other parties, and we may keep it in our records with your other information, even after your account is closed, and use all such information for the purposes stated herein. We may exchange personal information on an ongoing basis with credit bureaus (so they can verify your personal information, ensure the completeness of the information, maintain the integrity of the credit granting system, and cooperate with local, provincial and national authorities in order to protect you and us from fraudulent transactions). We may share your information, such as name, street address, e-mail address, and telephone number with other companies in the Smart Choice family and carefully selected business partners. In addition, we may use your information in order to identify your preferences and determine your eligibility for special offers and discounts, if approved, or to make another offer to you even if you are declined for this application. Smart Choice may use your internet protocol address to help diagnose problems with its server and to administer its website, to identify users and their activities on any Smart Choice website, and to gather broad demographic information.
Smart Choice’s websites may employ “cookies” to facilitate process sequencing and collection and maintenance of customer information. If cookies are employed, then they will only be used to gather information for the purposes stated above.
The Web Site uses "cookies", a technology that installs a small amount of information on a Web Site user's computer to permit the Web Site to recognize future visits using that computer. Cookies enhance the convenience and use of the Web Site. For example, the information provided through cookies is used to recognize you as a previous user of the Web Site, to track your activity at the Web Site, to respond to your needs, and to otherwise facilitate your Web Site experience. You may choose to decline cookies if your browser permits, but doing so may affect your use of the Web Site and your ability to access certain features of the Web Site or engage in transactions through the Web Site.
Smart Choice may use web cookies or pixel tags to compile tracking information reports regarding Web Site user demographics, Web Site traffic patterns, and Web Site purchases. We may then provide these reports to advertisers and others. None of the tracking information in these reports can be connected to the identities or other personal information of individual users.
Smart Choice displays interest-based advertising using information you make available to us when you interact with our sites, content, or services.
Email and Links
Smart Choice does not guarantee the confidentiality of any communications made by you via e-mail or otherwise through our websites. If you wish to provide information of a confidential or sensitive nature to Smart Choice, please contact us directly by telephone to arrange for delivery/transmission of such information by secure means.
Your privacy is important and is protected using appropriate, commercially reasonable security safeguards. Unfortunately, no data transmission over the internet is totally secure, so we cannot warrant the security of any transmission to or from us, which is at your risk. Reasonable efforts will be made to keep your information accurate. However, in order to achieve this goal we rely on you to advise us of any changes, including your contact information. Authorized employees, agents and mandataries of Smart Choice who require access to personal information to fulfill their job requirements will have access to personal information. To identify and verify records of your personal information maintained by Smart Choice in accordance with PIPEDA or to direct us not to share such information with third parties or use such information for these purposes, send a written request to the Smart Choice Privacy Officer at 72 St Leger Street, Kitchener Ontario, N2H 6R4
Voluntary Limitation Period
Any questions related to the Policy or the handling of personal information by Smart Choice can be addressed to the Privacy Officer who may be contacted at:
Attention: Privacy Officer
Smart Choice Sales and Lease Ownership Inc.
72 St Leger Street, Kitchener Ontario, N2H 6R4
If you are not satisfied with our response to a privacy-related matter, you may contact the Office of the Privacy Commissioner of Canada at 1-800-282-1376 or at www.privcom.gc.ca.
Website address www.Asmartchoice.ca