Privacy Policy

1. Who we are

7009569 Canada inc., doing business as Better Than The Bank, is responsible for the personal information collected through this website.

2. Person responsible for the protection of personal information

Our privacy officer oversees how we handle your information and answers your questions and requests.

3. Information we collect

• Identity and contact details: name, date of birth, address, email and phone number.
• Employment and income: employer, length of employment, pay frequency and income.
• Banking information obtained through instant bank verification, such as account activity and NSF history, with your authorization.
• Technical data: IP address, browser type and pages visited, collected through cookies according to your choices.

4. Why we use your information

• To process your loan application and assess your eligibility.
• To forward your application to our lending partners.
• To verify your identity and prevent fraud.
• To communicate with you about your application and loan.
• To comply with our legal and regulatory obligations.
• With your consent, to measure site traffic and improve our advertising.

5. Who we share it with

As a broker, we share your application with the lending partners who review and fund loans. We also use service providers for bank verification, hosting and communications. Each is bound by a contract that protects your information. Some providers may store information outside Quebec or Canada; when that happens, we assess the privacy risks before the transfer as required by law. We never sell your personal information.

6. Your consent

We collect and use your information with your consent, which you give when you submit an application or choose your cookie preferences. You may withdraw your consent at any time by contacting our privacy officer, subject to legal or contractual restrictions. Withdrawing consent may prevent us from processing your application.

7. Retention and security

We keep your information only as long as needed for the purposes listed above or as required by law, then destroy or anonymize it. We use encryption, access controls and other safeguards suited to the sensitivity of financial information. If a confidentiality incident presents a risk of serious harm, we will notify you and the competent authorities.

8. Your rights

• Access the personal information we hold about you.
• Ask us to correct inaccurate or incomplete information.
• Withdraw your consent.
• Ask us to stop disseminating your information or to de-index it, where the law allows.
• Receive your computerized information in a structured, commonly used format (data portability).

Send your request in writing to our privacy officer. We will answer within 30 days.

9. Cookies

Cookies are small files stored on your device. We use three categories:

• Necessary: required for security and basic site features. Always active.
• Analytics: help us understand how visitors use the site. Active only with your consent.
• Marketing: used to measure and personalize our advertising. Active only with your consent.

Non-essential cookies are off by default. You can change your choice at any time.

10. Complaints

If you have a concern about how we handle your information, please contact our privacy officer first at the address below. If you are not satisfied with our answer, you may contact the Commission d’accès à l’information du Québec or the Office of the Privacy Commissioner of Canada.