Last Updated: December 15, 2020.
1. Your Consent
2. Personal Information
3. Information That CreditHelpers Collects
(a) Information You Provide
You may be asked to voluntarily give your personal information to a CreditHelpers Company when you interact, orally, in writing or by electronic transmission, with the CreditHelpers Company, including when you apply for an account or membership, subscribe to a newsletter, register to receive information, apply or register for or order a product or service offered by a CreditHelpers Company or use a product or service provided by a CreditHelpers Company. In those circumstances, you can choose not to provide certain requested personal information, but then you might not be able to proceed with your intended interaction or transaction with the CreditHelpers Company or otherwise receive the full benefit of the desired product or service. Telephone calls between you and the CreditHelpers Company will be recorded to ensure accuracy and quality assurance, and may be disclosed to third parties to verify the CreditHelpers Company is compliant with its contractual obligations to third parties. You can choose not to have the telephone call recorded, and communicate by writing or electronic transmission.
(b) Automated Collection
A CreditHelpers Company may automatically collect certain information regarding your use of the CreditHelpers Company’s website or online service, such as the dates and times that you access the website or online service, the browsers, operating systems, software and devices that you use to access the website or online service and details of your use of the website or online service.
A CreditHelpers Company’s websites, online services, email messages and advertisements may use technologies (e.g. cookies, web beacons, tokens, pixels or tags) to collect information that assists the CreditHelpers Company to improve its products, services, customer communications and advertising and to prevent fraud. A CreditHelpers Company may use information that it collects through technological means to recognize you as a user of the CreditHelpers Company’s websites or online services, to facilitate and improve your use of the CreditHelpers Company’s websites or online services, to confirm that messages have been delivered to and opened by you and to provide you with targeted advertisements. You may choose to decline or disable cookies if your web browser or device permits, but doing so may affect your ability to access or use certain features of a website or online service. More information about cookies used for interest-based advertising is set out in section 4(c) below.
(c) Credit Reports
(d) Information Regarding Referred Transactions
4. How CreditHelpers Uses Personal Information
to administer your relationship with CreditHelpers, including to create and manage your account or membership with CreditHelpers and to contact and correspond with you regarding those matters;
to facilitate your interactions and transactions with CreditHelpers, including to process your applications, requests, orders and payments;
to provide products and services to you;
to process and respond to your inquiries, requests and other communications;
to provide you with information (including by email, text, SMS, automated dialing systems and other electronic messages) regarding CreditHelpers and its products and services and related products and services offered by other businesses, to the extent permitted by applicable law;
to administer and facilitate your participation in contests and promotions related to CreditHelpers;
to maintain, protect and improve CreditHelpers’ products and services and to develop new products and services;
(c) Interest-Based Advertising
5. How CreditHelpers Discloses Personal Information
(b) Specific Consents
A CreditHelpers Company may disclose your personal information in accordance with express or implied consents that you give during your interactions and transactions with the CreditHelpers Company.
(c) Referred Transactions
(d) Suppliers and Service Providers
(e) Law Enforcement/Legal Disclosures
(f) Business Transactions
6. Location of Personal Information
CreditHelpers and its service providers may process, store and use your personal information at facilities in various countries, including Canada, the United States of America and one or more countries in Europe or Asia. The personal information protection laws of those other countries might be different from the laws of the jurisdiction in which you reside, and might permit courts, government, law enforcement agencies, regulatory agencies and security authorities to access your personal information without notice. By providing your personal information to a CreditHelpers Company, you consent to the transfer of the personal information to facilities located in other countries and the processing and storage of the personal information at those facilities.
7. Retention of Personal Information
8. Protection of Personal Information
9. Accuracy and Access to Personal Information
CreditHelpers will rely on you to ensure that your personal information that you provide to CreditHelpers is as accurate, complete and up to date as necessary for the purposes for which CreditHelpers uses the personal information. You will promptly notify CreditHelpers of any changes to your personal information using the procedures made available for that purpose by CreditHelpers or by contacting CreditHelpers’ customer service.
You may reasonably request access to your personal information collected by CreditHelpers and information about CreditHelpers’ use, disclosure and retention of that personal information by submitting a written request to CreditHelpers’ Chief Privacy Officer using the contact information noted below. Subject to applicable exceptions and limitations prescribed by applicable law, you will be given reasonable access to your personal information and you will be entitled to verify the accuracy and completeness of your personal information and to have the information revised as appropriate. You may be required to pay a reasonable fee for access to your personal information. CreditHelpers may decline to process a request that is unreasonably repetitive, frivolous, vexatious or impracticable, that infringes or jeopardizes the privacy of other persons, or for other reasons permitted by applicable law.
10. Non-Personal Information
11. Other Websites and Businesses
12. Other Matters
(a) Disclaimers, Liability Exclusions/Limitations and Disputes:
(b) Changes to this Policy:
(c) English Language:
(d) Contacting CreditHelpers’Chief Privacy Officer: