Privacy Policy

Last Updated: November 7, 2017

Privacy Policy

This privacy policy discloses the privacy practices for 401 Auto Financing. 401 Auto Financing promotes the use of fair information practices. Because 401 Auto Financing is committed to your privacy, we have agreed to disclose our information practices.

Information Collection And Use

401 Auto Financing is the sole owner of the information collected on this site. 401 Auto Financing will not sell, share, or rent this information to others in ways different from what is disclosed in this statement. 401 Auto Financing collects information from our users at several different points on the website, over email and telephone.

Your Consent

By providing 401 Auto Financing with your personal information, you consent to the collection, use, disclosure and retention of that information by 401 Auto Financing in accordance with this Privacy Policy and as otherwise permitted by applicable law. You may withdraw your consent at any time, subject to legal or contractual restrictions and on reasonable notice to 401 Auto Financing. This may prevent you from proceeding with your intended interactions or transactions with 401 Auto Financing or otherwise receive the full benefit of 401 Auto Financing products and services.

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.

Collected Information

(a) Information You Provide

You may be asked to voluntarily give your personal information to 401 Auto Financing during various interactions, including when you submit a finance application, subscribe to a newsletter, register to receive information, or register for a product or service offered by 401 Auto Financing or use a product or service provided by 401 Auto Financing. 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 401 Auto Financing or otherwise receive the full benefit of the desired product or service.

(b) Automated Collection

401 Auto Financing may automatically collect certain information regarding your use of the 401 Auto Financing 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. The 401 Auto Financing website, online services, email messages and advertisements may use technologies (e.g. cookies, web beacons, tokens, pixels or tags) to collect information that assists 401 Auto Financing to improve its products, services, customer communications and advertising and to prevent fraud. 401 Auto Financing may use information that it collects through technological means to recognize you as a user of the 401 Auto Financing website or online services, to facilitate and improve your use of the 401 Auto Financing 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.

(c) Credit Reports

When you apply or register for, order or use certain products or services from 401 Auto Financing, 401 Auto Financing may obtain your credit score and related information from a credit reporting agency to process or fulfil the transaction, and 401 Auto Financing may also use the credit score and related information to update your confidential profile for use by 401 Auto Financing as set out in this Privacy Policy. Upon your request, we will inform you if we have ordered such a report, and will give you the name and address of the credit reporting agency that furnished the report.

How We Use Your Personal Information

401 Auto Financing uses your personal information collected for purposes relating to or arising from your relationship and transactions with 401 Auto Financing and as otherwise set out in this Privacy Policy or permitted by applicable law, including:

  • to administer your relationship with 401 Auto Financing, including to create and manage your financing application with 401 Auto Financing and to contact and correspond with you regarding those matters;
  • to facilitate your interactions and transactions with 401 Auto 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 401 Auto Financing and its products and services permitted by applicable law;
  • to administer and facilitate your participation in contests and promotions related to 401 Auto Financing;
  • to maintain, protect and improve 401 Auto Financing’s products and services and to develop new products and services;
  • to protect and enforce 401 Auto Financing’s legal rights, interests and remedies and to protect the business, operations and customers of 401 Auto Financing or other persons

Location of Personal Information

401 Auto Financing may process, store and use your personal information at facilities located in Canada.

Retention of Personal Information

401 Auto 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 401 Auto Financing’s legal obligations and permitted by applicable law. 401 Auto Financing will delete or dispose of your personal information when 401 Auto Financing is no longer reasonably required to retain the information for the purposes set out or referenced in this Privacy Policy.

Protection of Personal Information

401 Auto Financing uses reasonable safeguards – including administrative, physical and technical security and safeguarding measures – appropriate to the sensitivity of the personal information in 401 Auto Financing’s possession or under 401 Auto 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 401 Auto Financing cannot guarantee that your personal information will not be used, disclosed or deleted in ways not otherwise described in this Privacy Policy.

Accuracy and Access to Personal Information

401 Auto Financing will rely on you to ensure that your personal information that you provide to 401 Auto Financing is as accurate, complete and up to date as necessary for the purposes for which 401 Auto Financing uses the personal information. You should promptly notify 401 Auto Financing of any changes to your personal information by contacting 401 Auto Financing customer service. You may reasonably request access to your personal information collected by 401 Auto Financing and information about 401 Auto Financing’s use, disclosure and retention of that personal information by submitting a written request to 401 Auto Financing’s Operations Manager 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. 401 Auto Financing may decline to process a request that is unreasonably repetitive, frivolous, or impracticable, that infringes or jeopardizes the privacy of other persons, or for other reasons permitted by applicable law.

Non-Personal Information

401 Auto Financing creates and collects non-personal information (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. 401 Auto 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 401 Auto Financing will treat the combined nonpersonal information as personal information for the purposes of this Privacy Policy for as long as the nonpersonal information is combined.

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 401 Auto Financing’s products or services contain important provisions, including provisions disclaiming, limiting or excluding the liability of 401 Auto Financing and other persons (including 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 401 Auto 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:

401 Auto Financing may change this Privacy Policy from time to time by posting a new version of this
Privacy Policy on the 401 Auto Financing website. 401 Auto 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 401 Auto 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 (at the top of this Privacy Policy) and review any changes since the last version.

(c) Contacting 401 Auto Financing’s Operations Manager:

If you have any comments or questions about this Privacy Policy or how 401 Auto Financing deals with your personal information, please contact 401 Auto Financing by mail or email at: 401 Auto Financing – Operations Manager, 2200 Eagle Street N, Cambridge, Ontario N3H 0A1; email: contact@401auto.ca