Effective Date: July 1, 2019

Quantifi Inc. (“Quantifi” or “we”) takes privacy and data security seriously. We are committed to transparency in the collection and use of your personal information. The Privacy Notice below describes how we use personal information, and the circumstances under which we may share this information. This Privacy Notice applies to the privacy practices of Quantifi on its website located at https://quantifi.ca/, as well as offline.

Collection and Use of Personal Information

• Dealership Referral

Quantifi provides vehicle financing to interested borrowers. If you express interest in a car loan, our car dealership business partners may, with your consent, provide us with your personal information, including, your full name, date of birth, phone number, Social Insurance Number, marital status, mailing address, details about your desired purchase or loan, and the name of your current employer (if applicable). We use this information to verify your identity, to assess your eligibility to receive a loan, and to contact you by text-message or email regarding Quantifi’s services.

You can unsubscribe from our text-message or email communications by following the instructions in those communications, or by contacting our privacy officer at privacy@quantifi.ca.

• Loan Application

If you click on the referral link in the initial text message, you can choose to proceed with a loan application. If you complete a loan application, we collect personal information including your full name, your employment status and employer, and mailing address. We also collect information related to each of your bank accounts, including the account number, type of account, the names of any joint-account holders, your relationship with any joint-account holders, and a complete record of all transactions in your bank accounts over the last 365 days. Quantifi is able to view the last 365 days of transactions in the same way that you can view your transactions while online banking.

We use this information to assess your eligibility to receive a loan (including through the use of our loan application software), and to improve the accuracy and performance of our loan application evaluation software.

If one of your banks is not listed on our website, we may collect the name of the institution that you bank with. We use this information to evaluate which banks to include in future updates to our services.

• Loan Approval

If you are assessed as being provisionally eligible to receive a loan, Quantifi requests your consent to perform a credit check to confirm your eligibility.

If you are approved for a loan, Quantifi may collect further information from you to process the loan and arrange for repayment, including your drivers license, references, and payment information, and make and model of vehicle which you are interested in purchasing or leasing.

• Geolocation

If you are approved for a loan, Quantifi may make such loan conditional on the installation of a geolocation device in the vehicle which you lease or purchase. We collect the location of the vehicle in order to secure the collateral of your loan with Quantifi.

• Work Opportunities

We may collect personal information in relation to a job application or related inquiry, including information contained in a resume or cover letter. We use this information for the purpose of reviewing applications for current and future employment opportunities at Quantifi.

• Marketing Communications

You may select if you wish to receive email marketing communications with updates and other information regarding Quantifi by providing us with your email.

You can opt out of receiving marketing emails from us using the opt-out or “unsubscribe” instructions provided in the communication. Alternatively, you may contact our Privacy Officer at privacy@quantifi.ca.

• Contact

When you contact us with a comment or question, or regarding the status of your loan application or loan, we collect the information you provide, along with additional information that we may need to help us promptly respond to your inquiry. We retain this information to assist you in the future and to improve our customer service and service offerings. We also use personal information to establish and manage our relationship with you and provide quality service.

Information We Collect Automatically

We and our third party service providers, including Google Analytics, collect, process, store and analyze information obtained from your browser when you visit our website, including IP address, device identifiers, browser characteristics, operating system details, language preferences, referring URLs, length of visits, and pages viewed. We also use “cookies” or other tools that track, measure and analyze the behaviors and usage patterns of visitors to the website. We use this information to help us understand how visitors engage with the website and to improve our visitors’ experience.

A cookie is a tiny element of data that the website can send to your browser, which may then be stored on your computer or mobile device so we can recognize you when you return. We use cookies for analytics purposes as well as for certain features of the website. You may set your web browser to notify you when you receive a cookie or to not accept certain cookies. However, if you decide not to accept cookies from the website, you may not be able to take advantage of all of the features of our website.

You can obtain additional information on Google Analytics’ collection and processing of data and data privacy and security, including how to learn more about opting out of Google Analytics’ data collection.

Sharing of Personal Information

Except as set forth in this Privacy Notice and as required or permitted by law, we do not sell or share your personal information with third parties without your consent.

Service Providers

Your personal information may be transferred (or otherwise made available) to our affiliates and other third parties who provide services on our behalf. We use third parties to host and manage our website, to send and manage our text message communications, to store and/or backup information on secure cloud databases, to obtain credit checks, to process payments, and to enable our access to your bank account transaction history.

When we communicate with you by short code text message, you have the option to cancel or receive help regarding such text messages by replying with HELP or STOP (or AIDE or ARRET) respectively.  

We also communicate with our dealership business partners regarding the status of your loan application with Quantifi. Our service providers are given the information they need to perform their designated functions, and are not authorized to use or disclose personal information for their own marketing or other purposes.

Your personal information may be maintained and processed by us, our affiliates, potential employers, and other third party service providers in the US or other jurisdictions. In the event that personal information is transferred outside of Canada to the US or other foreign jurisdiction, it will be subject to the laws of that jurisdiction and may be disclosed to or accessed by the courts, law enforcement and governmental authorities in accordance with those laws.

Legal and Compliance

We and our service providers may provide your personal information in response to a search warrant or other legally valid inquiry or order, or to another organization for the purposes of investigating a breach of an agreement or contravention of law or detecting, suppressing or preventing fraud, or as otherwise required or permitted by applicable Canadian, US or other law or legal process. Your personal information may also be disclosed where necessary for the establishment, exercise or defence of legal claims and to investigate or prevent actual or suspect loss or harm to persons or property.

Sale of Business

Personal information may be provided to third parties in connection with a merger or sale (including transfers made as part of insolvency or bankruptcy proceedings) involving all or part of Quantifi or as part of a corporate reorganization or stock sale or other change in corporate control, including for the purpose of determining whether to proceed or continue with such transaction or business relationship.

Safeguarding and Retention of Personal Information

We have implemented reasonable administrative, technical and physical measures in an effort to safeguard the personal information in our custody and control against theft, loss and unauthorized access, use, modification and disclosure. We restrict access to your personal information on a need-to-know basis to employees and authorized service providers who require access to fulfill their job requirements.

We have personal information retention processes designed to retain personal information for no longer than necessary for the purposes stated above or to otherwise meet legal requirements.

Access to Personal Information

You have the right to access, update and correct inaccuracies in your personal information in our custody and control, subject to certain exceptions prescribed by law. After successful registration with the website you may access, review, and change your personal information through the “My Profile” feature of the website. Alternatively, you may request access, updating and corrections of inaccuracies in other personal information we have in our custody or control by emailing or writing to us at the contact information set out below. We may request certain personal information for the purposes of verifying the identity of the individual seeking access to their personal information records.

Additional Information

Third Party Websites

The website may contain links to other websites that are not owned or controlled by us. We have no control over, do not review and are not responsible for the privacy policies of or content displayed on such other websites. When you click on such a link, you will leave our service and go to another website. During this process, another entity may collect personal information from you.

Updates to the Privacy Notice

We may update this Privacy Notice to reflect changes to our privacy practices. We encourage you to periodically review this page for the latest information on our privacy practices.

Contact Us

Quantifi welcomes your comments and questions regarding this Privacy Notice and the use of your personal information. If you have questions or concerns please contact our Privacy Officer at privacy@quantifi.ca.