Privacy Policy

1. YOUR CONSENT

By providing Bad Credit Financing with your personal information, you consent to the collection, use, disclosure and retention of that information by Bad Credit Financing in accordance with this Privacy Policy and as permitted by applicable law. You may withdraw your consent at any time, subject to legal or contractual restrictions and on reasonable notice to Bad Credit Financing, however, as a result of your withdrawal of consent,  you may not be able to proceed with your intended interactions or transactions with Bad Credit Financing or receive the full benefit of Bad Credit Financing's products and services. 

2. PERSONAL INFORMATION

In this Privacy Policy, “personal information” means information about an identifiable individual, such as an individual’s name and email address, but does not include, to the extent permitted by law, information that is publicly available in a telephone directory or that is business contact information that enables an individual to be contacted at a place of business. 

3. INFORMATION THAT BAD CREDIT FINANCING COLLECTS

(a) Information You Provide  

You may be asked to voluntarily give your personal information to Bad Credit Financing when you interact orally, in writing or by electronic  transmission, with Bad Credit Financing, including when you:  

• apply for a profile, 
• subscribe to a newsletter, 
• register to receive information, 
• apply or register for a product or service offered by Bad Credit Financing, 
• order a product or service offered by Bad Credit Financing, 
• use a product or service provided by Bad Credit Financing. 

In those circumstances, you can choose not to provide certain requested personal information, however you may not be able to  proceed with your intended interaction or transaction with Bad Credit Financing, or receive the full benefit of the desired product or service.  Telephone calls between you and Bad Credit Financing may be recorded to ensure accuracy and quality assurance, and may be disclosed to third  parties to verify Bad Credit Financing 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 

Bad Credit Financing may automatically collect certain information about your use of Bad Credit Financing's website or online services, such as the dates and  times that you access the website or online services, the browsers, operating systems, software and devices that you use to  access the website or online services and details of your use of the website or online services. 

Bad Credit Financing's website, online services, email messages and advertisements may use technologies (e.g. cookies, web beacons, tokens,  session recording, pixels or tags) to collect information that assists Bad Credit Financing to improve its products, services, advertising and  customer communications, and to prevent fraud. Bad Credit Financing may use information that it collects through technological means to  recognize you as a user of Bad Credit Financing's website or online services, to facilitate and improve your use of Bad Credit Financing's website 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. 

Much of the information that is automatically collected by technological means is non-personal information because the  information does not identify you and Bad Credit Financing will handle that non-personal information as explained below in this Privacy Policy unless applicable law requires otherwise.  

(c) Credit Reports 

When you apply or register for, or order or use certain products or services from Bad Credit Financing(e.g. referral to lender), Bad Credit Financing may obtain,  and continue to periodically obtain, your credit score and related information from a credit reporting agency to process or  fulfill the transaction, and to update your confidential profile for use by Bad Credit Financing for purposes as set out in this Privacy Policy. Upon  your request we will inform you if we have ordered such a report or reports, and will give you the name and address of the credit reporting agency that furnished the report or reports. 

You also acknowledge and agree that any dealers or other persons or organizations to which we have disclosed your personal  information in accordance with this Privacy Policy, may request a credit report for any legitimate purpose associated with your  application for credit, extending credit, making product offers, modifying the terms of your credit agreement, collection on  your account, or similar services or products. 

(d) Bank Information 

When you use the bank account verification system (“Bank Verification System”) provided to you by Bad Credit Financing, Bad Credit Financing may, in  accordance with this Privacy Policy, retrieve your bank account information, including your transaction history, but not your  bank account log-in credentials, for purposes as set out in this Privacy Policy. Bad Credit Financing may use the Bank Verification System to  periodically obtain your updated bank account information in order to update your confidential profile for use by Bad Credit Financing for purposes as set out in this Privacy Policy. 

For clarity, you acknowledge and agree that Bad Credit Financing may periodically retrieve your bank account information and disclose the bank  account information to independent businesses, including Bad Credit Financing's suppliers or service providers, for purposes as set out in this Privacy Policy. 

(e) Information Regarding Referred Transactions 

If Bad Credit Financing refers you to an independent business (e.g. a lender) for a proposed transaction (e.g. a powersports loan), then Bad Credit Financing may  collect from that independent business information regarding the transaction to update your confidential profile for use by Bad Credit Financing as set out in this Privacy Policy. 

4. HOW BCF USES PERSONAL INFORMATION

(a) General 

Bad Credit Financing uses your personal information collected by Bad Credit Financing for purposes relating to or arising from your relationship and  transactions with Bad Credit Financing and as otherwise set out in this Privacy Policy or permitted by applicable law, including:

• to administer your relationship with Bad Credit Financing, including to create and manage your account profile with Bad Credit Financing and to contact and correspond with you regarding those matters;
• to facilitate your interactions and transactions with Bad Credit Financing , 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 and other electronic messages) regarding Bad Credit Financing 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 Bad Credit Financing;
• to maintain, protect and improve Bad Credit Financing's products and services and to develop new products and services;
• to protect and enforce Bad Credit Financing's legal rights, interests and remedies, and to protect the business, operations and customers of Bad Credit Financing or other persons; and
• to assist Bad Credit Financing Companies to collect, use, disclose and retain your personal information in accordance with this Privacy Policy. 

(b) Disclosure by Bad Credit Financing

Bad Credit Financing may share your personal information with Bad Credit Financing Companies, and Bad Credit Financing may develop, maintain and share a confidential profile  of you for use by each Bad Credit Financing Company to provide information, products and services to you, to facilitate your dealings with each  Bad Credit Financing Company and as otherwise set out in this Privacy Policy. 

(c) Interest-Based Advertising 

Bad Credit Financing may use interest-based advertising services (sometimes called “remarketing” or “retargeting”) provided by third party  vendors (such as Google and Facebook) to display advertisements on third party websites and social media sites visited by users  of Bad Credit Financing's website. Advertising vendors (such as Google and Facebook) use cookies, pixels or tokens – unique identifiers of a web  browser on a specific computer that are installed on the computer when it accesses Bad Credit Financing's website – to display ads based on the  computer’s past access to Bad Credit Financing's website. You can opt-out of Google’s use of cookies by visiting Google’s Ads Settings. You can  also opt out of a remarketing vendor’s use of cookies by visiting the Network Advertising Initiative’s consumer opt-out page.

5. DISCLOSES PERSONAL INFORMATION 

(a) General 

Bad Credit Financing discloses your personal information for purposes relating to or arising from your relationship and transactions with Bad Credit Financing and as otherwise set out in this Privacy Policy or permitted by applicable law. 

(b) Specific Consents 

Bad Credit Financing may disclose your personal information in accordance with express or implied consents that you give during your interactions and transactions with Bad Credit Financing. 

(c) Referred Transactions 

If Bad Credit Financing refers you to an independent business (e.g. a lender) for a proposed transaction (e.g. a powersports loan), then Bad Credit Financing may  disclose your personal information (including your credit score that you provided to Bad Credit Financing, bank account information, and related  information) to the independent business to facilitate the proposed transaction. Bad Credit Financing has no responsibility or liability for, the use,  disclosure or retention of your personal information by the independent business, and the use, disclosure and retention of the  disclosed information by the independent business is not subject to this Privacy Policy. 

(d) Suppliers and Service Providers 

Bad Credit Financing may disclose your personal information to its suppliers and service providers (including fraud prevention services and  payment processors) to assist Bad Credit Financing in the provision of information, products and services to you, to provide services to Bad Credit Financing, to  assist Bad Credit Financing to use your personal information as set out in this Privacy Policy and as otherwise permitted by applicable law. 

(e) Law Enforcement/Legal Disclosures 

Bad Credit Financing may disclose your personal information as required or authorized by applicable law, including to comply with a subpoena, warrant, court or arbitral order or litigation disclosure obligation. Bad Credit Financing may disclose your personal information to law enforcement agencies or other independent organizations if Bad Credit Financing reasonably believes the disclosure is necessary or appropriate in connection with national security, law enforcement or other issues of public importance, or if Bad Credit Financing reasonably believes the disclosure is necessary or appropriate to protect and enforce Bad Credit Financing's legal rights, interests and remedies or to protect the rights, interests, business, operations or customers of Bad Credit Financing or other persons, including to detect and prevent fraud and other illegal activities, enforce any of the terms of use, terms of service or other agreements that govern access to or use of any of Bad Credit Financing's products or services. Bad Credit Financing has no responsibility or liability for, the use, disclosure or retention of your personal information by the  agencies, independent organizations or other persons to whom Bad Credit Financing discloses the information in the foregoing circumstances,  and the use, disclosure and retention of the disclosed information by those agencies, independent organizations or other  persons is not subject to this Privacy Policy. 

(f) Business Transactions 

Bad Credit Financing may disclose your personal information in connection with a proposed or actual business transaction in which Bad Credit Financing is involved (such as a corporate amalgamation, reorganization, merger or acquisition, or the sale or transfer of some or  all of Bad Credit Financing's business or assets), but Bad Credit Financing will require the information recipient agree to protect the privacy of your  personal information in a manner that is consistent with this Privacy Policy and applicable law.

6. LOCATION OF PERSONAL INFORMATION

Bad Credit Financing and Bad Credit Financing Companies, and its and their 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 Bad Credit Financing, 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. PROTECTION OF PERSONAL INFORMATION

Bad Credit Financing uses reasonable safeguards, including administrative, physical and technical security and safeguarding measures, appropriate to the sensitivity of the personal information in Bad Credit Financing's possession or under Bad Credit Financing's control to help protect the information from unauthorized access, collection, use, disclosure, disposal or similar risks. Nevertheless, security risks cannot be eliminated and Bad Credit Financing cannot guarantee that your personal information will not be used, disclosed or deleted in ways not otherwise described in this Privacy Policy. 

8. RETENTION OF PERSONAL INFORMATION

Bad Credit Financing retains your personal information for the period reasonably necessary for the purposes set out or referenced in this Privacy Policy and to comply with Bad Credit Financing's legal obligations or enforce or protect Bad Credit Financing's legal rights, or a longer period required or permitted by applicable law. Bad Credit Financing will delete or dispose of your personal information when Bad Credit Financing is no longer reasonably required to retain the information for the purposes set out or referenced in this Privacy Policy. 

9. ACCURACY AND ACCESS TO PERSONAL INFORMATION

Bad Credit Financing will rely on you to ensure that your personal information that you provide to Bad Credit Financing is as accurate, complete and up to date as necessary for the purposes for which Bad Credit Financing uses the personal information. You will promptly notify Bad Credit Financing of any changes to your personal information using the procedures made available for that purpose by Bad Credit Financing or by contacting Bad Credit Financing. You may reasonably request access to your personal information collected by Bad Credit Financing and information about Bad Credit Financing's use, disclosure and retention of that personal information by submitting a written request to Bad Credit Financing's 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. Bad Credit Financing 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

Bad Credit Financing creates and collects non-personal information, which is information that is not about an identifiable individual, including personal information that has been aggregated or otherwise depersonalized so that the information no longer relates to an identifiable individual. Bad Credit Financing may use, disclose, transfer and retain non-personal information for any purpose and in any manner whatsoever. If non-personal information is combined with personal information, then Bad Credit Financing will treat the combined non personal information as personal information for the purposes of this Privacy Policy for as long as the non-personal information is combined.

11. OTHER WEBSITES AND BUSINESSES

Bad Credit Financing's website and correspondence, including emails and messages, may include advertisements for products and services offered by independent businesses, that may have a financial relationship with Bad Credit Financing, or links to websites operated by independent businesses (e.g. lenders and service providers). Bad Credit Financing has no responsibility or liability for those other websites, online services or businesses, their products or services, or their collection, use, disclosure or retention of your personal information. This Privacy Policy does not directly apply to the collection, use, disclosure and retention of your personal information by those websites, online services and independent businesses. If you have questions about how those websites, online services or independent businesses collect, use, disclose or retain personal information, please contact the owner or operator of the website, service or business. 

12. OTHER MATTERS

(a) Disclaimers, Liability Exclusions/Limitations and Disputes: 

The agreements, including any subscription agreement or terms of service or use, that you accept when you apply, register for, order or use Bad Credit Financing's products or services contain important provisions, including provisions disclaiming, limiting or excluding the liability of Bad Credit Financing and other persons (including Bad Credit Financing Companies and service providers) and provisions determining the applicable law and jurisdiction for the resolution of disputes. To the extent permitted by applicable law, each of those provisions applies to any dispute that may arise in relation to this Privacy Policy or Bad Credit Financing's collection, use, disclosure and retention of your personal information, and are of the same force and effect as if they had been reproduced directly in this Privacy Policy. Nothing in this Privacy Policy amends any of those other agreements. 

(b) Changes to this Policy: 

Bad Credit Financing may change this Privacy Policy from time to time by posting a new version of this Privacy Policy on Bad Credit Financing's website.  Bad Credit Financing's collection, use, disclosure and retention of your personal information will be governed by the version of this Privacy  Policy in effect at that time. Your continued dealings with Bad Credit Financing after any change to this Privacy Policy will signify your  consent to the collection, use, disclosure and retention of your personal information as set out in the changed Privacy  Policy. 

Accordingly, you should check the “Last Updated” date of this Privacy Policy located at the top of this Privacy Policy and  review any changes since the last version. 

(c) English Language: 

You and Bad Credit Financing have each expressly requested and required that this Privacy Policy and all other related documents be drawn up in the English language. Les parties conviennent et exigent expressement que cette Politique de Confidentialité et tous les documents qui s’y rapportent soient rédigés en anglais. 

(d) Definition: 

In this Privacy Policy, “Bad Credit Financing Companies” means collectively Bad Credit Financing's corporate affiliates and parent company. Each of the Bad Credit Financing Companies is referred to as a “Bad Credit Financing Company”. 

(e) Contacting Bad Credit Financing's Chief Privacy Officer: 

If you have any comments or questions about this Privacy Policy or how Bad Credit Financing deals with your personal information, please contact Bad Credit Financing's Privacy Officer by email at: dnash0013@gmail.com