Privacy Policy

1. Introduction

CashBeagle ("we," "us," or "our") is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and loan matching services.

This Privacy Policy applies to all users of cashbeagle.ca and our related services. By using our services, you consent to the practices described in this policy.

We comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws in Canada.

2. Information We Collect

2.1 Personal Information You Provide

When you submit a loan application or contact us, we collect information including:

• Contact Information: Name, email address, phone number, mailing address, postal code
• Financial Information: Monthly income, employment status, loan amount requested, loan purpose
• Identification Information: Date of birth, Social Insurance Number (if provided to lenders)
• Banking Information: Bank account details (if required by lenders)
• Other Information: Any additional information you provide in forms or communications

2.2 Information Collected Automatically

When you visit our website, we automatically collect certain technical information:

• Device Information: IP address, browser type and version, operating system
• Usage Information: Pages visited, time spent on pages, links clicked, referring website
• Cookies and Tracking: Data collected through cookies and similar technologies (see Section 8)

2.3 Information from Third Parties

We may receive information about you from:

• Credit Bureaus: Credit reports and scores (with your consent)
• Lenders: Feedback about your application status
• Data Verification Services: Information to verify your identity and prevent fraud

3. How We Use Your Information

We use your information for the following purposes:

3.1 Loan Matching Services

• To match you with appropriate lenders in our network
• To share your application with potential lenders
• To facilitate communication between you and lenders
• To track the status of your loan application

3.2 Service Improvement

• To improve our matching algorithm and service quality
• To analyze usage patterns and optimize our website
• To develop new features and services

3.3 Communication

• To respond to your inquiries and provide customer support
• To send service-related notifications and updates
• To provide information about your application status

3.4 Legal and Security

• To verify your identity and prevent fraud
• To comply with legal obligations and regulatory requirements
• To enforce our Terms of Service
• To protect our rights and the rights of our users

4. How We Share Your Information

4.1 Sharing with Lenders

The primary purpose of our service is to connect you with lenders. When you submit an application, we share your information with:

• Matched Lenders: Lenders in our network who may be able to offer you a loan
• Information Shared: All information you provide in your application, including personal, financial, and employment details
• Lender Use: Lenders use your information to evaluate your application, make lending decisions, and contact you with offers

By submitting an application, you expressly consent to this sharing. Each lender has its own privacy policy governing how they use your information.

4.2 Service Providers

We may share your information with trusted third-party service providers who assist us in operating our business:

• Web hosting and cloud storage providers
• Data analytics and marketing services
• Credit reporting agencies
• Fraud prevention and identity verification services
• Customer support and communication platforms

These service providers are contractually obligated to protect your information and use it only for the purposes we specify.

4.3 Legal Requirements

We may disclose your information when required by law or to:

• Comply with legal processes, court orders, or government requests
• Enforce our Terms of Service or other agreements
• Protect our rights, property, or safety, or that of our users or the public
• Detect, prevent, or address fraud, security, or technical issues

4.4 Business Transfers

If CashBeagle is involved in a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity. We will notify you of any such change and how it affects your information.

4.5 What We Don't Do

We do not sell your personal information to unrelated third parties for their marketing purposes.

5. Data Security

We take the security of your information seriously and implement industry-standard measures to protect it:

• Encryption: We use 256-bit SSL encryption to protect data transmitted between your browser and our servers
• Secure Storage: Personal information is stored on secure servers with restricted access
• Access Controls: Only authorized personnel have access to your information on a need-to-know basis
• Regular Audits: We regularly review and update our security practices
• Monitoring: We monitor for suspicious activity and potential security threats

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

• Active Applications: Information is retained while your application is active and being processed by lenders
• Completed Applications: We may retain information for up to 7 years for legal, accounting, and regulatory purposes
• Marketing Data: If you've opted in to marketing communications, we retain your contact information until you unsubscribe

After the retention period, we securely delete or anonymize your information.

7. Your Privacy Rights

Under Canadian privacy law, you have the following rights regarding your personal information:

7.1 Right to Access

You have the right to request access to the personal information we hold about you. We will provide you with a copy of your information in a commonly used format.

7.2 Right to Correction

If you believe any information we hold about you is inaccurate or incomplete, you have the right to request correction.

7.3 Right to Deletion

You may request that we delete your personal information, subject to certain exceptions (e.g., legal obligations to retain records).

7.4 Right to Withdraw Consent

You may withdraw your consent for us to use your information at any time. However, this may limit or prevent us from providing services to you.

7.5 Right to Opt-Out of Marketing

You can opt out of receiving marketing communications from us at any time by clicking the unsubscribe link in our emails or contacting us directly.

7.6 How to Exercise Your Rights

To exercise any of these rights, please contact us at support@cashbeagle.ca. We will respond to your request within 30 days.

8. Cookies and Tracking Technologies

8.1 What Are Cookies?

Cookies are small text files stored on your device when you visit our website. They help us provide a better user experience and understand how our site is used.

8.2 Types of Cookies We Use

• Essential Cookies: Necessary for the website to function properly (e.g., maintaining your session)
• Analytics Cookies: Help us understand how visitors use our site (e.g., which pages are most popular)
• Functional Cookies: Remember your preferences and settings
• Marketing Cookies: Track your activity to deliver relevant advertisements

8.3 Managing Cookies

You can control and manage cookies through your browser settings. You can choose to block or delete cookies, but this may affect your ability to use certain features of our website.

Most browsers accept cookies automatically, but you can modify your browser settings to decline cookies if you prefer.

9. Third-Party Links

Our website may contain links to third-party websites, including lender websites. This Privacy Policy does not apply to those third-party sites. We are not responsible for the privacy practices of other websites.

We encourage you to review the privacy policies of any third-party sites you visit.

10. Children's Privacy

Our services are not intended for individuals under the age of 18 (or the age of majority in their province). We do not knowingly collect personal information from minors.

If we become aware that we have collected information from a minor, we will take steps to delete that information promptly.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal, regulatory, or operational reasons.

When we make changes, we will update the "Last Updated" date at the top of this policy. If we make material changes, we will provide additional notice, such as by email or through a prominent notice on our website.

Your continued use of our services after changes are posted constitutes your acceptance of the updated Privacy Policy.

12. Contact Us

If you have questions, concerns, or complaints about this Privacy Policy or our privacy practices, please contact us:

Email: support@cashbeagle.ca
Subject Line: Privacy Inquiry

We will investigate and respond to your inquiry within 30 days.

If you are not satisfied with our response, you have the right to file a complaint with the Office of the Privacy Commissioner of Canada.