Privacy Policy

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Capital Credit Canada and its subsidiaries, (referred to as "Capital Credit Canada," "we," or "us") own and operate the Website ("Site") and are committed to protecting your privacy. Please read the following Online Privacy Policy to understand how your personal information will be treated as you make full use of our many products and offerings. By using this Site, you consent to this Online Privacy Policy, including your consent to our use and disclosure of information about you as described herein.

Please note that we may update this policy from time to time as our information practices are modified or changed. If we make changes to the Privacy Notice, we will revise the "Last Updated" date at the top of this Policy. Any changes to this Notice will become effective when we post the revised Policy on the Site. Your use of the Site following these changes means that you accept the revised Policy.

This policy will inform you about:

1. What personally identifiable information is collected from you;

2. What cookies are and how Capital Credit Canada uses them;3. How your information is used;4. How your information is being collected;5. What information you are consenting to be shared, disclosed, or sold;6. What choices are available to you regarding the collection, use, and distribution of your information;7. How to access, update, or delete your information;8. How Capital Credit Canada treats your personal and financial-related information;9. The security precautions in place to protect the loss, misuse, or alteration of your information;10. How Capital Credit Canada protects children’s privacy;11. California Consumer's Access An Important Privacy Notice;12. What else you should know about your online privacy?

1. What personally identifiable information does the Capital Credit Canada Website collect from me?

Capital Credit Canada's Website collects information in several ways. Some personal information is gathered when you register on the website. At that time, you may also be asked for demographic information about yourself, such as your birth date, gender, and mailing address. Other than your mailing address and birth date, as any other information required to provide the specific service you requested, you are not required to provide any other information, but the more information you volunteer (and the more accurate it is), the better we are able to customize your experience.

We may ask you for personal information at other times, including (but not limited to) when you utilize a promotion sponsored by Capital Credit Canada and/or one of our affiliates; when you make a purchase from the Capital Credit Canada Website; and if you report a problem with our products and/or services. Such information may include your e-mail and home address as well as Social Insurance number and other personal identifiers.

If you make contact with Capital Credit Canada, we may keep a record of that correspondence. Capital Credit Canada may occasionally ask users to complete surveys that we use for research purposes.

We may also collect information about you through and/or from third parties or service providers. This information is used to create a specific profile and help us determine how we can best assist you or determine what products best suit your needs, see 3. How does Capital Credit Canada use my information? below, for more information.

2. What cookies are and how does Capital Credit Canada use them?

As part of offering and providing customizable and personalized services, Capital Credit Canada Website uses cookies to store and sometimes track information about you. A "cookie" is a small amount of data that is sent to your browser from a web server and stored on your computer’s hard drive. All pages comprising the Capital Credit Canada Website where you are prompted to log in or that are customizable require that you accept cookies. (See What are my choices regarding collection, use, and distribution of my information? for more information on cookies.)

Generally, we use cookies to:

- Remind us of who you are and access your account information (stored on our computers) in order to deliver to you a better and more personalized service. This cookie is set when you register or "Sign In" and is modified when you "Sign Out" of our services.- Estimate our audience size. Each browser accessing the Capital Credit Canada Website is given a unique cookie which is then used to determine the extent of repeat usage, usage by a registered user versus by an unregistered user, and to help target advertisements based on user interests and behavior.- To process the items in your shopping basket. This information collected by cookies is sometimes called "clickstream" or "click trail" and may also describe which pages you have seen in each merchant’s store.- Capital Credit Canada Website also collects IP addresses and Internet Browser Information for system administration and to report aggregate information to our advertisers.

3. How does Capital Credit Canada use my information?

Capital Credit Canada Website’s primary goal in collecting personal information is to provide you, the user, with a customized experience. This includes personalization services, interactive communications as well as the display of advertisements for valuable products and services. By knowing a little about you, Capital Credit Canada is able to deliver more relevant advertisements and content and better service to you.

We may use your information to:

- Send you the requested product or service information- Provide you with a requested service- Respond to customer service requests- Send you marketing communications or advertisements- Determine what products or services may best suit your needs- Respond to your questions and concerns- Personalize your web or service experience- Compliance. We may use Information we collect to detect, investigate, and prevent activities on our Sites that may violate our terms of use, could be fraudulent, violate copyright, or other rules or that may be otherwise illegal, to comply with legal requirements, and to protect our rights and the rights and safety of our users and others.- Research: We may do research on our user’s demographics, interests, and behaviour based on the information provided to us upon registration and from our server log files. We do this to better understand and serve our users. This research is compiled and analyzed on an anonymous, aggregated basis.

4. How is your information being collected?

We collect information directly from you when you use this Site or sign up for our products or services. We also collect information indirectly from you based on insights gathered from your use of our Site and services.

We may also collect information made available through third-party platforms and apps (such as online social media platforms), through online databases or directories, or that is otherwise legitimately obtained. This information may be governed by the privacy notice(s) provided by the third party at the time of collection. We purchase marketing data about our customers from third parties and combine it with the personally identifiable information customers provide us to offer advertising and products from our company or one of our subsidiary companies, in which we think our customers will be interested.

When you are using this Site and are asked for personal information, you are sharing that information with Capital Credit Canada and its subsidiaries.

5. No Consent to Information Being Shared, Disclosed or SoldWe will not sell your information to any third parties. By providing your personal information on this Site under this Privacy Policy, you are not granting us the right to buy, sell, or lease your personal information that has been supplied to us on this Website. Capital Credit Canada may share your personal information with its subsidiaries. We may also share personally identifiable information with companies who are service providers of Capital Credit Canada, but these companies are under a strict confidentiality agreement not to disclose any of your personally identifiable information to outside parties unless it is necessary to provide the services you requested or they are given permission to do so by you. The following describes some of the other ways that your information may be disclosed:Service Provider: A Service Provider is a company utilized by Capital Credit Canada to assist in providing you with the service you have specifically requested. A Direct Business Affiliate is under a strict confidentiality agreement not to disclose any of your personally identifiable information to outside parties unless it is necessary to provide the services you requested or they are given permission to do so by you.Subsidiaries: Capital Credit Canada may disclose your personal information to its subsidiaries, as specifically described to you when the data is collected. Unless you direct the company otherwise, Capital Credit Canada may share your personal information with Cable 92, LLC d/b/a Bolster+, Acqualify, LLC, SaintFi, LLC, and Credit Saint, LLC.Business Partners & Sponsors: Capital Credit Canada may disclose or share your personal information with business partners or sponsors, as specifically described to you when the data is collected or prior to transferring the data. Some or all data collected during a promotion may be shared with a sponsor. Unless you direct the company otherwise, Capital Credit Canada may share your personal information with National Debt Relief,, or any other business (including lenders). This sharing of information with our business partners will allow them to market products to you that they believe you will be interested in.Other: Capital Credit Canada may also disclose account information in special cases when we have reason to believe that disclosing this information is necessary to identify, contact, or bring legal action against someone who may be violating the Website’s Terms and Conditions of Use or may be causing injury to or interference with Capital Credit Canada's rights or property, other Website users, or anyone else that could be harmed by such activities. We may disclose or access account information when we believe in good faith that the law requires it and for administrative and other purposes that we deem necessary to maintain, service, and improve our products and services.

6. What Choices Are Available to You Regarding the Collection, Use, and Distribution of Your Information?By providing personal information on or through the Site, or in connection with services provided by the Company thereon or in connection therewith, you agree that:All the information you have provided is true and correct to the best of your knowledge;You are allowing Capital Credit Canada and any subsidiaries of Capital Credit Canada, specifically including Credit Saint, to contact you about products or services.DISCLAIMER REGARDING SHARING: Capital Credit Canada and its subsidiaries are committed to providing you outstanding services and ensuring that your needs are met. As indicated above, we will not share your personal information and non-personal information with third parties for the purpose of allowing them to provide information about products and services that may be of interest to you or for any other reason.We are not attorneys and we don’t provide legal advice. As always, we encourage you to do your homework and check out individuals and companies that have contacted you based on the consent you have provided to Capital Credit Canada. We are not responsible and do not guarantee any outcomes from these providers.7 . What About Children’s Privacy?We're committed to children's safety:Capital Credit Canada does not offer products or services for purchase to children under 18.We do not share personal information about users or their children under 18 with third parties.We do not send direct email or mail offers to users indicating they are under 18.8. . What Else Should I Know About My Privacy?

Your privacy matters:

- Be cautious when sharing personal information online, such as on message boards, via email, or in chat areas, as it can be collected and used by others.- Posting personal information online that is accessible to the public may result in receiving unsolicited messages from other parties.

Remember, you are responsible for safeguarding your passwords and account information. Exercise caution and responsibility whenever you're online.

9 Changes to this Privacy Policy:

We may update our Privacy Policy:

- Any changes will be made here, to this Privacy Policy.- These provisions supersede all previous notices or policies regarding our privacy practices.- We encourage you to check our Website frequently for updates. We are committed to protecting your information and providing you with an enhanced online experience.- Upon any material changes to the policy statement, we will post those changes here, so you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.


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