Privacy policy
CSV Lending Company of Canada Inc. (“CSV”, “we” or “us”) is committed to protecting your privacy and safeguarding your personal information. The purpose of this privacy policy is to inform you about our privacy practices, including how we collect, use, and disclose your personal information through CSV’s websites and/or other means (the “Policy”). Please review this Policy carefully.
​
Definition of Personal Information
"Personal information" means information about an identifiable individual. This information may include, but is not limited to, your name, mailing address, e-mail address, date of birth, photo ID, credit score, repayment history, financial information, net worth information, citizenship/residency status and policy information. Personal information does not include any business contact information that is solely used to communicate with you in relation to your employment, business or profession.
​
Your Consent to Collect, Use and Disclose Personal Information
We collect, use and disclose your personal information with your consent or as permitted or required by law. You may withdraw your consent to our collection, use or disclosure of your personal information at any time by contacting us using the contact information in the “Contact Us” section below.
​
Information that We Collect & Use
We may use your personal information and other information for purposes for which we have obtained your consent as outlined below, and for such other purposes as may be permitted or required by applicable law. Below is a list of personal information collected.
​
Name
How information is collected
-
Online application
-
Photo ID provided (such as driver's license)
-
Other application documents
How information is used
-
Establish and verify your identity
-
Verify details of insurance policy
Address
​
How information is collected
-
Online application
-
Photo ID provided
-
Other application documents
​
How information is used
-
Authenticate your identity when you contact us or when we contact you
Date of Birth
​
How information is collected
-
Online application
-
Photo ID provided
-
Other application documents
​
How information is used
-
Verify your identity
-
Verify details of insurance policy
​
Photo ID (such as driver's license)
​
How information is collected
-
Photocopy of ID provided
-
Number on the identification is separately recorded and retained
​
How information is used
-
Verify your identity
-
Verify details of insurance policy
​
Credit Score and Repayment History
How information is collected
-
Online application
-
Credit bureau report
​
How information is used
-
Evaluate eligibility and creditworthiness
-
Assess risks, determine pricing
Financial Information (such as financial statements or credit bureau report)
How information is collected
-
Financial statements
-
Credit bureau report
How information is used
-
Evaluate eligibility
-
Understand service requirements
Net Worth Information (including income)
How information is collected
-
Online application
​
How information is used
-
Assess CSV's risks
​
Citizenship/Residency Status
How information is collected
-
Online application
How information is used
-
Evaluate eligibility
​
Policy Information (number, name of insured, face amount, cash value, owner(s), beneficiary(ies), inception date, etc.)
How information is collected
-
Online application
-
Signed insurer acknowledgement
-
Assignment of Insurance Policy
How information is used
-
To confirm cash surrender value
-
Verify eligibility
​
​
​
Personal Information that we Share with Third Parties
We rely on third party service providers to perform a variety of services on our behalf, such as, customer support, telephone and technical support, credit analysis, hosting, data storage and processing, customer surveys, marketing, advertising, and research and analytics. We may share your information with service providers to facilitate the services they provide to us.
​
We may also share your personal information with third parties as set out in the chart below.
​
This Policy applies only to our products and services. This Policy does not extend to any websites or products or services provided by third parties. We do not assume responsibility for the privacy practices of such third parties, and we encourage you to review all third party privacy policies prior to using third party websites or products or services.
We may share your personal information and other information for purposes for purposes outlined below, for such other purposes as may be permitted or required by applicable law, and in the event we sell the business to a third party or reorganize.
Name
Personal information collected
-
Financial intermediaries and loan service providers such as insurers, banking partners and affiliates
-
Organizations providing technology or other support services
​
To whom information is disclosed
-
Credit bureaus
-
Consumer reporting agencies
Address
Personal information collected
-
Financial intermediaries and loan service providers such as insurers, banking partners and affiliates
-
Organizations providing technology or other support services
To whom information is disclosed
-
Credit Bureau
Date of Birth
Personal information collected
-
Financial intermediaries and loan service providers such as insurers, banking partners and affiliates
-
Organizations providing technology or other support services
To whom information is disclosed
-
Credit Bureau
Photo ID (such as driver's license)
Personal information collected
-
Financial intermediaries and loan service providers such as insurers, banking partners and affiliates
To whom information is disclosed
-
Organizations providing technology or other support services
Credit Score and Repayment History
Personal information collected
-
Financial intermediaries and loan service providers such as insurers, banking partners and affiliates
-
Organizations providing technology or other support services
To whom information is disclosed
-
Credit bureaus
-
Consumer reporting agencies
Financial Information (such as financial statements or credit bureau report)
Personal information collected
-
Financial intermediaries and loan service providers such as insurers, banking partners and affiliates
-
Organizations providing technology or other support services
To whom information is disclosed
-
Credit bureaus
-
Consumer reporting agencies
Net Worth Information
Personal information collected
-
Financial intermediaries and loan service providers such as insurers, banking partners and affiliates
To whom information is disclosed
-
Organizations providing technology or other support services
Citizenship/Residency Status
Personal information collected
-
Financial intermediaries and loan service providers such as insurers, banking partners and affiliates
​
To whom information is disclosed
-
Organizations providing technology or other support services
Policy Information (number, name of insured, face amount, cash value, owner(s), beneficiary(ies), inception date, etc.)
Personal information collected
-
Financial intermediaries and loan service providers such as insurers, banking partners and affiliates
​
To whom information is disclosed
-
Organizations providing technology or other support services
​
Disclosure/Transfer Of Information Outside Canada
We may disclose and/or transfer personal information to the United States, or store/process it in that jurisdiction. As a result, authorities in the United States may be able to access your information pursuant to the laws of that jurisdiction.
​
Opting Out of Communications
If you no longer want to receive marketing-related emails from us, you may opt-out of receiving marketing-related emails by clicking the “unsubscribe” link at the bottom of any email you receive from us. You may also opt-out by contacting us directly using the contact information in the “Contact Us” section below.
​
Retention of Personal Information
We will use, disclose or retain your personal information only for as long as necessary to fulfill the purposes for which that personal information was collected and as permitted or required by law.
​
Accessing and Updating Your Personal Information
We will take steps to ensure that your personal information is kept as accurate, complete and up-to-date as reasonably necessary. We will not routinely update your personal information, unless such a process is necessary.
​
Privacy Policy Updates
This Policy is current as of the date listed above. We may modify this Policy from time to time. When changes are made to this privacy statement they will become immediately effective when published in a revised privacy statement posted on our website unless otherwise noted. We may also communicate the changes through our services or by other means.
​
Contact Us
If you do not consent to having your personal information collected, used and disclosed as set out in this policy, or if you require further information to make this decision, or if you wish to withdraw consent, please contact our Privacy Officer. Note that if you withdraw your consent, we will no longer be able to provide products and/or services to you. Even after you withdraw your consent, we may need to retain your information for purposes identified herein and to comply with obligations at law.
All comments, questions, concerns or complaints regarding your personal information or our privacy practices should be sent to our Privacy Officer as follows:
Address:
Attention: Privacy Officer
CSVLender.com
675 Cochrane Drive, Suite 110N
Markham, Ontario
L3R 0B8
​
By e-mail: