Privacy policy

Credit Day handles personal information in accordance with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable Ontario law. This policy explains what we collect, why we collect it, and the choices you have.

Information we collect

• Identity and contact details you provide on the application, such as your name, date of birth, address, email address, and phone number.
• Financial information needed to assess your application, such as your income source, pay frequency, and banking details for deposit and repayment.
• Loan information about applications you submit and loans you hold with us.
• Technical information such as your IP address and browser type, collected automatically when you use this website.

How we use your information

• To verify your identity and assess your eligibility for a loan.
• To prepare, administer, and service your loan agreement.
• To deposit funds and collect repayment.
• To meet our legal and regulatory obligations as a licensed Ontario lender.
• To contact you about your application and to respond to your questions.

Consent

We collect, use, and disclose your personal information with your consent. You provide that consent when you submit an application and when you sign your loan agreement. You may withdraw consent at any time, subject to legal and contractual restrictions and reasonable notice.

Disclosure to third parties

We do not sell your personal information. We may share it with service providers who help us operate — for example, payment processors, identity verification providers, and IT service providers — and with regulators or law enforcement where we are required to do so by law.

Retention

We keep personal information only as long as we need it for the purposes described above, or as long as we are required to retain it by law. When it is no longer needed, we securely destroy or anonymize it.

Security

Applications and personal information are transmitted over 256-bit encryption. We maintain administrative and technical safeguards designed to protect your information against unauthorized access, use, or disclosure.

Your rights

You have the right to request access to the personal information we hold about you, to ask that it be corrected if it is inaccurate, and to ask questions about how it is handled. To make a request, reply to the email confirmation we sent with your application.

Cookies

This website may use cookies and similar technologies to keep the site working properly and to understand how it is used. You can control cookies through your browser settings.

Changes to this policy

We may update this policy from time to time. The current version is always available on this page.