Introduction
At Simple Financial, we take your privacy seriously. This Privacy Policy outlines how we collect, use, disclose, and protect your personal information in compliance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial legislation. By using our website, applying for a loan, or interacting with us in any way, you consent to the practices described in this policy.
1. Who We Are
Simple Financial is a licensed payday loan provider in Ontario (License #4741528). We offer short-term loan services to individuals who require quick and responsible access to credit.
2. Information We Collect
We may collect the following personal information from you: Identification details: Full name, address, date of birth, government-issued ID Contact details: Email address, phone number Financial information: Employment details, income, banking information, credit history Usage information: Website interactions, IP address, device type, browser type Consent records: Electronic agreements and timestamped application data We only collect the information necessary to provide and manage your loan application, comply with legal obligations, and improve our services.
3. How We Use Your Information
We use your personal information for the following purposes: To verify your identity and eligibility for a loan To process and manage your loan application To communicate with you regarding your application or account To comply with legal and regulatory requirements To prevent fraud and unauthorized transactions To send service-related communications To improve our website and customer experience We do not sell or rent your personal data to third parties.
4. Consent
Your personal information is collected with your informed consent. By submitting an application, creating an account, or communicating with us, you consent to our collection and use of your information for the purposes stated above. You can withdraw your consent at any time, subject to legal or contractual restrictions.
5. Sharing Your Information
We may share your information with: Licensed credit reporting agencies (when required and with consent) Third-party service providers (e.g., payment processors, ID verification services) Regulatory authorities or law enforcement, when required by law Collection agencies, only in the case of non-payment or default We ensure all third parties adhere to confidentiality and data protection standards.
6. How We Protect Your Information
We use multiple safeguards to protect your data: SSL encryption on all online forms and data transmission Secure servers and firewall technology Limited access to personal data (only authorized staff) Regular data backups and audits Your privacy and security are our top priorities.
7. Cookies & Online Tracking
Our website may use cookies or similar technologies to: Analyze site traffic and usage Improve performance and user experience Remember your preferences You may disable cookies in your browser settings, though this may affect functionality.
8. Your Rights
As a Canadian resident, you have the right to: Request access to your personal information Correct or update inaccurate information Withdraw consent where applicable Request deletion of your information (where legally allowed) File a complaint with the Office of the Privacy Commissioner of Canada To exercise any of these rights, please contact us using the information below.
9. Data Retention
We retain your personal information only as long as necessary to: Fulfill the purpose for which it was collected Meet legal and regulatory obligations Resolve disputes and enforce our agreements Once no longer needed, your information is securely deleted or anonymized.
10. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of external sites. Please review their privacy policies before sharing your data.
11. Children's Privacy
Our services are intended for individuals aged 18 and over. We do not knowingly collect or store personal information from minors.
12. Updates to This Privacy Policy
We may update this policy from time to time. The latest version will always be posted on our website with the updated “Last Updated.” We encourage you to review this page periodically to stay informed of any changes.
13. Contact Us
If you have any questions about this Privacy Policy or how your information is handled, please contact us:
Simple Financial
Email: info@simplefinancial.ca
Mailing Address: 1270 Central Parkway West, Unit 102, Mississauga, Ontario, L5C4P4, Canada
License Number: #4741528 (Ontario Payday Loan License)