PRIVACY POLICY
Fina Capitale, its affiliates, subsidiaries (Fina Collections and/or Agence de Recouvrement Fina) (collectively, "Fina Capitale", “Fina”, "we", "us" or "our"), have provided this Privacy Policy to describe how your personal information is collected, used, and shared when you visit or make an application on www.finacapitale.com (the “Site”).
PERSONAL INFORMATION WE COLLECT
When you visit the Site, we automatically collect certain information about your device, including information about your web browser, IP address, time zone, and some of the cookies that are installed on your device. Additionally, as you browse the Site, we collect information about the individual web pages or products that you view, what websites or search terms referred you to the Site, and information about how you interact with the Site. We refer to this automatically collected information as “Device Information.”
We collect Device Information using the following technologies:
- “Cookies” are data files that are placed on your device or computer and often include an anonymous unique identifier. For more information about cookies, and how to disable cookies, visit http://www.allaboutcookies.org.
- “Log files” track actions occurring on the Site, and collect data including your IP address, browser type, Internet service provider, referring/exit pages, and date/time stamps.
- “Web beacons,” “tags,” and “pixels” are electronic files used to record information about how you browse the Site.
Additionally when you make an application or attempt to make an application through the Site, we collect certain information from you such as the following but is not limited to; including your name, date of birth, address, email address, phone number(s), employment information, employment income, social insurance number (if provided), payment-related information such as banking information, that is collected with your consent or as permitted or required by law. We refer to this information as “Application Information.”
When we talk about “Personal Information” in this Privacy Policy, we are talking both about Device Information and Application Information.
HOW DO WE USE YOUR PERSONAL INFORMATION?
We may gather and utilize individual data for purposes, for example, however not constrained to, the accompanying; to oversee and advance the business exercises of Fina Capitale, to confirm identity and other data given by clients and to decide qualification for our product and/or services offered, to open, oversee and service accounts to provide our products and/or services, to assess present and continuous financial soundness to decide qualification or appropriateness for our products and/or services, to publicize, advertise and develop our products and/or services to clients who have agreed to accepting such correspondence, which incorporate correspondence via mail, email, phone, programmed dialers, to collect outstanding liabilities, and, for different purposes distinguished by Fina Capitale with your consent or as allowed or legally necessary.
We use the Device Information that we collect to help us screen for potential risk and fraud (in particular, your IP address), and more generally to improve and optimize our Site (for example, by generating analytics about how our customers browse and interact with the Site, and to assess the success of our marketing and advertising campaigns). We may use the Device Information for retargeting purposes for our advertisements.
SHARING YOUR PERSONAL INFORMATION
Fina Capitale may disclose personal information in various conditions, including: to credit bureaus, credit reporting agencies and to your present or future creditors to keep up your record of loan repayment and giving credit references, to financing related organizations for payment processing purposes, to third-parties as reasonably necessary to support your agreements with us and in any case for the collection of an obligation owed to us, for the reasons for identifying and preventing fraud, in connection with audits, for the reasons for meeting lawful, administrative, industry self-regulatory, risk management and security requirements, for other purposes identified by Fina Capitale with your consent or as permitted or required by law.
We also use Google Analytics to help us understand how our customers use the Site--you can read more about how Google uses your Personal Information here: https://www.google.com/intl/en.... You can also opt-out of Google Analytics here: https://tools.google.com/dlpag....
In consistence with Google's publicizing approaches, we use Google Adwords Search Engine Marketing (Pay Per Click) and Display Advertising (Remarketing and Google Display Network). We use Google AdWords Remarketing in consistence with the Google AdWords Interest-Based Advertising Policy, which implies that you may see our ads on Google and other outsider sites on the web in the wake of visiting our site.
Finally, we may also share your Personal Information between our affiliates, subsidiaries (including those located in the United States), or service providers, for internal audit, management, marketing, data processing, billing or administrative purposes including defending and bringing legal actions, to comply with applicable laws and regulations, to respond to a subpoena, search warrant or other lawful request for information we receive, or to otherwise protect our rights. We utilize legally binding or other means to guarantee that a similar degree of protection is given when transferring to service providers, our affiliates and/or subsidiaries. Our service providers might be situated outside Canada and will be dependent upon material legitimate requirements in that nation including legal necessities to unveil individual data to government experts in specific conditions. In the event that you are an inhabitant of the Province of Quebec, you comprehend that we may move your personal data to third party based outside of the Province of Quebec, or store it outside of the Province of Quebec, the taking care of (counting the exposure to outsiders) of that individual data will be dependent upon the laws and guidelines relevant in that ward and you assent thereto.
BEHAVIOURAL ADVERTISING
As described above, we use your Personal Information to provide you with targeted advertisements or marketing communications we believe may be of interest to you. For more information about how targeted advertising works, you can visit the Network Advertising Initiative’s (“NAI”) educational page at http://www.networkadvertising.....
You can opt out of targeted advertising by visiting:
FACEBOOK - https://www.facebook.com/setti...
GOOGLE - https://www.google.com/setting...
BING - https://advertise.bingads.micr...
Additionally, you can opt out of some of these services by visiting the Digital Advertising Alliance’s opt-out portal at: http://optout.aboutads.info/.
DO NOT TRACK
Please note that we do not alter our Site’s data collection and use practices when we see a Do Not Track signal from your browser.
DATA ACCESS
Fina Capitale may establish and maintain a file containing an individual’s personal information for the reasons depicted above, which will be accessible at our workplaces. People reserve the privilege to demand access to or adjustment of their own data that is held by Fina Capitale. Requests must be made in writing, addressed to Fina Capitale's contact data set out at the end of this Policy. We will react to composed demands within a reasonable time frame. Duplicates of records containing individual data might be dependent upon an expense. If so, Fina Capitale will inform the individual regarding the amount of the charge ahead of time. We will utilize our earnest attempts to guarantee that individual data is as precise, finish and state-of-the-art as essential for the distinguished purposes.
DATA RETENTION
When you place an application through the Site, we will maintain your Personal Information for our records unless and until you ask us to delete this information.
MINORS
The Site is not intended for individuals under the age of 18.
CHANGES
We may update this privacy policy from time to time in order to reflect, for example, changes to our practices or for other operational, legal or regulatory reasons.
CONTACT US
For more information about our privacy practices, if you have questions, or if you would like to make a complaint, please contact us by e-mail at info@finacapitale.com or by mail using the details provided below:
6095 Boulevard Metropolitan Est, Montreal, Quebec, H1P 1X7
