Privacy Policy

1. Who We Are

Niagara Auto Finder is a licensed automotive financing company operating in Ontario, Canada. We are committed to protecting your privacy and handling your personal information responsibly.

Contact Information:
Niagara Auto Finder
123 Ontario Street
St. Catharines, ON L2R 5J8
Phone: (905) 555-0199
Email: info@905autos.ca

2. What Information We Collect

We collect personal information that is necessary to provide our automotive financing services. This includes:

Information You Provide Directly:

• Name, address, phone number, and email address
• Date of birth and Social Insurance Number
• Employment information and income details
• Banking and financial information
• Credit history and references
• Driver's license information
• Vehicle preferences and trade-in information

Information We Collect Automatically:

• Website usage data and IP addresses
• Browser type and device information
• Pages visited and time spent on our website
• Referral sources and search terms used

Information from Third Parties:

• Credit reports from credit bureaus
• Employment verification from employers
• Bank account verification
• Vehicle history reports

3. How We Use Your Information

We use your personal information for the following purposes:

Primary Purposes:

• Processing your financing application
• Verifying your identity and creditworthiness
• Matching you with appropriate lenders
• Facilitating vehicle purchases and loans
• Providing customer service and support

Secondary Purposes:

• Improving our services and website
• Sending you relevant offers and updates (with consent)
• Conducting market research and analysis
• Complying with legal and regulatory requirements

4. How We Share Your Information

We may share your personal information in the following circumstances:

With Your Consent:

• With approved lenders to process your financing application
• With insurance companies to arrange coverage
• With service providers who assist in completing your transaction

For Legal Reasons:

• To comply with court orders or legal processes
• To protect our rights and property
• To prevent fraud or illegal activities
• As required by law or regulation

With Service Providers:

• Credit reporting agencies
• IT service providers and website hosts
• Professional advisors (lawyers, accountants)
• Marketing and analytics providers (with consent)

We never sell your personal information to third parties.

5. How We Protect Your Information

We implement appropriate security measures to protect your personal information:

• Physical Security: Locked filing cabinets, restricted access to offices
• Technical Security: SSL encryption, secure servers, firewalls
• Administrative Security: Staff training, confidentiality agreements, access controls
• Regular Updates: Security systems are regularly updated and monitored

6. How Long We Keep Your Information

We retain your personal information only as long as necessary for the purposes outlined in this policy:

• Active Customers: For the duration of your loan plus 7 years
• Declined Applications: Up to 2 years for potential future applications
• Marketing Information: Until you withdraw consent
• Legal Requirements: As required by applicable laws

7. Your Rights and Choices

Under Canadian privacy law, you have the following rights:

Access and Correction:

• Request access to your personal information
• Request correction of inaccurate information
• Receive a copy of your information in a readable format

Consent Management:

• Withdraw consent for marketing communications
• Opt out of non-essential data collection
• Request deletion of information (subject to legal requirements)

Complaints:

• File a complaint about our privacy practices
• Contact the Privacy Commissioner of Canada if unsatisfied

8. Cookies and Website Tracking

Our website uses cookies and similar technologies to:

• Remember your preferences and settings
• Analyze website traffic and usage patterns
• Provide personalized content and advertisements
• Improve website functionality and user experience

You can control cookies through your browser settings, but some website features may not function properly if cookies are disabled.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

10. Changes to This Policy

We may update this privacy policy from time to time to reflect changes in our practices or applicable laws. We will notify you of significant changes by:

• Posting the updated policy on our website
• Sending email notifications to active customers
• Providing notice during your next interaction with us

11. Contact Us About Privacy

If you have questions, concerns, or requests regarding your privacy or this policy, please contact us:

12. Regulatory Information

This privacy policy complies with:

• Personal Information Protection and Electronic Documents Act (PIPEDA)
• Ontario Personal Health Information Protection Act (PHIPA)
• Canadian Anti-Spam Legislation (CASL)
• Other applicable federal and provincial privacy laws

If you are not satisfied with our response to your privacy concern, you may contact:

Office of the Privacy Commissioner of Canada
Website: www.priv.gc.ca
Phone: 1-800-282-1376