Privacy Policy

Information We Collect

When you use Loans Ontario, we collect information you provide directly and information gathered automatically through your interaction with our site.

Information you provide: This includes your name, email address, phone number, postal code, employment status, income range, and details about your financial situation. You provide this information when you complete our online form to connect with a lender.

Automatically collected information: We collect data about your device, browser type, IP address, pages visited, time spent on our site, and referral source. This helps us understand how visitors use Loans Ontario and improve our service.

How We Use Your Information

We use the information you provide to:

• Match you with licensed payday lenders in Ontario and across Canada
• Process your referral and facilitate communication between you and lenders
• Respond to your inquiries and provide customer support
• Send you updates about our services and relevant financial information
• Improve our website, user experience, and referral matching process
• Comply with legal and regulatory obligations
• Prevent fraud and protect the security of our platform

Loans Ontario is a referral and information service. We do not make lending decisions or extend credit directly. Your personal information is shared with our partner lenders only to facilitate your loan application.

Information Sharing and Third Parties

We share your information with licensed payday lenders and financial institutions in our network to process your referral. These lenders are bound by their own privacy obligations and must comply with applicable privacy legislation in Ontario and Canada.

We do not sell your personal information to unrelated third parties for marketing purposes. We may share information with:

• Service providers who assist us in operating our website and delivering our services (hosting, analytics, customer support)
• Law enforcement or government agencies when required by law
• Professional advisors, including legal counsel and accountants, as needed

If Loans Ontario is acquired or merged with another organization, your information may be transferred as part of that transaction. We will notify you of any such change and any choices you may have regarding your information.

Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. This includes encryption, secure socket layer (SSL) technology, firewalls, and restricted access controls.

However, no method of transmission over the internet or electronic storage is completely secure. While we strive to protect your information, we cannot guarantee absolute security. You are responsible for maintaining the confidentiality of any passwords or account credentials you create.

Your Privacy Rights

Under Ontario's privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and provincial legislation, you have the right to:

• Access your personal information held by Loans Ontario
• Request correction of inaccurate or incomplete information
• Withdraw consent to the collection and use of your information
• Opt out of marketing communications
• Request deletion of your information (subject to legal retention requirements)

To exercise any of these rights, contact us using the information provided in the "Contact Us" section below.

Cookies and Tracking Technologies

Loans Ontario uses cookies and similar tracking technologies to enhance your experience, remember your preferences, and analyze site usage. Cookies are small files stored on your device that allow us to recognize you on future visits.

You can control cookie settings through your browser preferences. Disabling cookies may limit some functionality of our site. We also use analytics tools to track how visitors interact with Loans Ontario, which helps us improve our referral service.

Children's Privacy

Loans Ontario is not intended for users under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from a minor, we will delete that information promptly. If you believe we have collected information from a child, please contact us immediately.

Links to External Sites

Our website may contain links to third-party websites, including lender sites and financial information resources. Loans Ontario is not responsible for the privacy practices of external sites. We encourage you to review the privacy policies of any third-party websites before providing your information.

Changes to This Privacy Policy

Loans Ontario may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of material changes by posting the updated policy on our site and updating the "Last Updated" date. Your continued use of our service following any changes constitutes your acceptance of the updated Privacy Policy.

Contact Us

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

Loans Ontario
Email: [email protected]
Mailing Address: Ontario, Canada

If you are not satisfied with our response to your privacy concern, you may file a complaint with the Office of the Privacy Commissioner of Canada or your provincial privacy authority.

Last Updated: January 2025
Reviewed by: Peter Walter