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Privacy Policy

Effective date: September 25, 2024

At SC Finances, we place the utmost importance on protecting your personal information. This privacy policy describes how we collect, use, disclose and protect your personal information, in accordance with Quebec’s Act 25 respecting the protection of personal information in the private sector.

Introduction.

Welcome to the website of SC Finances, a company based at 330 Rue Saint-Georges, Saint-Jérôme, QC J7Z 5A5 . This privacy policy is intended to inform you about how we manage, collect and use your personal information, as well as the rights you have in relation to your personal information. We are committed to protecting your privacy and processing your personal data in a transparent and secure manner.

Collection of personal information.

We collect personal information when you interact with us, including when you:

  • Fill out our online forms: loan request, contact form.

  • Create a user account on our website.

  • Contact our customer service by phone or email.

  • Browse our website and accept the use of cookies.

Types of information collected:

  • Identification information: name, first name, postal address, date of birth, telephone number, email address.

  • Financial information: income, debts, credit history, banking information, social security number (if required).

  • Professional information: employment status, employer name, length of employment.

  • Demographic information: marital status, number of dependents.

  • Technical data: IP address, browser type, operating system, pages visited, via cookies and similar technologies.

  • Other Information: Any other data you choose to provide to us through our forms or communications.

Purposes of the Collection

Your personal information is collected for the following purposes:

  • Processing loan applications: assessing your eligibility, verifying your identity, performing credit and risk analyses.

  • Customer relationship management: creating and managing your account, communicating with you, providing personalized service.

  • Service Improvement: Analyze data to optimize our products, services and user experience.

  • Marketing and communications: to inform you about offers, promotions and services that may interest you, with your consent.

  • Legal and regulatory compliance: comply with legal, regulatory and administrative obligations.

  • Security: Prevent fraud, abuse, and ensure the security of our site and systems.

Consent

We obtain your explicit consent when collecting your personal information, including through checkboxes on our online forms.

You are informed of the specific purposes for which your information is collected at the time of collection.

Withdrawal of consent:

You may withdraw your consent at any time for some or all uses of your personal information, subject to legal or contractual restrictions.

Withdrawing consent may limit our ability to provide you with certain services.

To withdraw your consent, please contact us:

Claude Villeneuve

450 847 4041

info@scfinances.ca

Communication of Personal Information

We may share your personal information with:

  • Third Party Service Providers: Partners who assist us with application processing, credit analysis, marketing,

  • website hosting, payment processing, technical support.

  • Financial institutions and credit reporting agencies: to check your creditworthiness and manage financial risks.

  • Legal or regulatory authorities: if required by law, in connection with investigations or to protect our legal rights.

  • Analytics and advertising services: such as Google Analytics and Google Ads, to collect data about site usage and serve targeted advertisements.

Protective measures:

  • All third parties with whom we share your information are required to protect it in accordance with this policy and applicable laws.

  • We require that our service providers use personal information only for the purposes for which it was provided and that they maintain an adequate level of protection.

Your Privacy Rights

In accordance with Law 25, you have the following rights:

  • Access: obtain confirmation that we hold personal information about you and obtain a copy of it.

  • Rectification: correct any inaccurate, incomplete or ambiguous information.

  • Withdrawal of Consent: Withdraw your consent to the use or disclosure of your personal information.

  • Erasure: Request deletion of your information when its use is no longer necessary or lawful.

  • Portability: receiving your personal information in a structured, commonly used and machine-readable format.

  • Objection: object to the processing of your personal information in certain circumstances, such as direct marketing or profiling.

Exercising your rights:

  • To exercise these rights, please contact us: Claude Villeneuve, 450-847-4041, info@scfinances.ca

  • We will respond to your request within the time limits prescribed by law, generally within 30 days.

  • Proof of identity may be required to process your request to protect the confidentiality of your information.

Security Measures

We implement appropriate physical, technical and organizational security measures to protect your personal information against:

  • Unauthorized access: strict access controls, secure authentication, encryption of sensitive data.

  • Disclosure: confidentiality protocols, regular staff training on data protection.

  • Loss or destruction: regular backups, secure storage, data recovery protocols.

Audit and monitoring:

  • We regularly conduct security audits to identify and mitigate potential risks.

  • In the event of a security breach involving your personal information, we will notify you as soon as possible, in accordance with the law.

Retention of Personal Information

We retain your personal information only for as long as necessary for the purposes for which it was collected, or as required by law.

Conservation criteria:

  • Legal obligations: comply with tax requirements, financial regulations, limitation periods.

  • Operational needs: account management, customer service, warranties, contractual obligations.

  • Dispute resolution: complaints management, internal investigations, litigation defense.

Once personal information is no longer required, we destroy, erase or anonymize it in a secure manner.

Transfer of Information Outside Quebec

Your personal information may be transferred and stored in jurisdictions outside Quebec or Canada, including when our service providers are located abroad.

Protective measures:

Before transferring personal information, we assess the following factors in accordance with Bill 25:

  • The laws applicable in the destination country.

  • Protective measures in place.

  • The sensitivity of the information.

We ensure that appropriate contractual protections are in place to guarantee a level of protection equivalent to that of Quebec.

Automated Decisions

We may use automated decisions to:

  • Evaluate loan applications: Automatically analyze the information provided to determine your eligibility.

  • Personalize content: tailor offers and communications according to your preferences and behaviors.

Your rights:

  • Transparency: You have the right to obtain information about the logic underlying automated decisions.

  • Human intervention: You can request human intervention to review or challenge an automated decision.

Marketing and Communications

Electronic communications:

  • Prior consent: We obtain your explicit consent before sending you marketing communications.

  • Unsubscribe: You can unsubscribe at any time by following the instructions in our communications or by contacting us.

Links to External Sites

  • Independence of Third Party Sites: Our Site may contain links to third party websites for your convenience.

  • Disclaimer: We are not responsible for the privacy practices, content or services offered by these sites.

  • Recommendation: We encourage you to read the privacy policies of every site you visit.

Changes to the Privacy Policy

  • Updates: We may modify this policy to reflect changes in our practices or to comply with legal requirements.

  • Notification of changes: Any changes will be posted on this page with the date of update.

  • Continued Consent: By continuing to use our Services after the changes, you agree to the revised policy.

To Contact Us

If you have any questions, concerns or requests regarding this Privacy Policy or your personal information, please contact us:

Personal Information Protection Officer
SC Finances

Claude Villeneuve
330 Rue Saint-Georges, Saint-Jérôme, QC J7Z 5A5
Phone: 450-847-4041
Email: info@scfinances.ca

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Contact :

11700 rue de l'avenir, Mirabel, QC J7J 0G7

450-847-4041

© 2024 SC Finances. All rights reserved.

Privacy Policy

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© 2024 SC FINANCES. All rights reserved. Made by LeProWix

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Contact :

11700 rue de l’avenir,

Mirabel, QC, J7J 0G7

450-847-4041

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