To provide you with the requested products and services, we must collect personal information from you, which includes:
We collect information about you in the following ways:
We use the personal information collected from you for the following reasons:
Your personal information will be accessed by our employees, agents and service providers in connection with the purposes described above. We may disclose your personal information (including credit bureau information) to our affiliates, service providers and Merchant Partners to fulfill the purposes identified above or otherwise at the time of collection. These companies may use your personal information for their own business purposes, including marketing, customer service, fulfillment and related purposes. Additionally, we may disclose your personal information to Flexiti affiliates for customer support, data analysis, marketing, technical operations, account administration purposes and to improve Flexiti and our affiliates’ services.
If you have purchased creditor insurance, we collect information on behalf of and share information with the insurance provider to help sell and administer the insurance to you and facilitate claims.
Subject to certain exceptions, you can withdraw your consent for us to use or disclose your personal information with affiliates, service providers and Merchant Partners for promotional, marketing or related secondary purposes, as long as you give reasonable notice of withdrawal. You may choose to opt-out from promotional electronic and other communications at any time by contacting us at 1-877-259-3745. You may unsubscribe from emails from Flexiti by following instructions found in email communications from us.
We keep information for so long as it is reasonably required by us or legally necessary for us to retain such information. If personal information has been used to make a decision about you, we will keep the personal information long enough for you to have access to it after the decision has been made.
Flexiti and its service providers may process and store personal information outside of Canada, including in Argentina, Australia, New Zealand, Panama, the Philippines, the United Kingdom and the United States. While outside of Canada, personal information will be subject to applicable foreign laws, which may not afford the same level of protection to personal information as the laws of Canada.
We are committed to ensuring the security of your personal information to protect it from unauthorized access, collection, use, disclosure, copying, modification, disposal or similar risks. We store much of your information electronically. We protect personal information with safeguards appropriate to the sensitivity of the information. However, no method of transmission over the internet, or method of electronic storage, is 100% secure. Therefore, while we strive to protect your personal information, we cannot guarantee its absolute security. If a password is used to protect your account and personal information, it is your responsibility to keep your password confidential.
We also have organizational processes in place to limit access to your personal information by our affiliates, personnel, third parties, Merchant Partners and service providers collecting, using or disclosing personal information on our behalf. Where applicable, personal information will be destroyed using appropriate security measures.
You have a right to access your personal information, subject to limited exceptions. A request for personal information must be in writing and provide sufficient detail to identify the personal information sought. A request to access personal information should be made by contacting us at the address set out below. If a request is refused in full or in part, we will notify you in writing, providing the reasons for refusal.
Flexiti engages in interest-based advertising. We work with advertising companies that use their own technologies (including cookies) on our Websites and other websites to provide you with tailored advertisements across the internet on third party websites (including on social media platforms). These companies may collect information about your activity on our Websites and other websites you visit and your interaction with our advertising and other communications and use this information to make predictions about your preferences and deliver tailored advertising to you. This information may also be used to evaluate our online advertising campaigns.
For more information about interest-based advertising, including how you can opt-out of receiving interest-based advertising from third-party advertising companies participating in the Digital Advertising Alliance of Canada (DAAC) Self-Regulatory Program for Online Interest-Based Advertising, please visit the DAAC website at http://youradchoices.ca/choices.
If you opt-out of interest-based advertising by a third party, these technologies may still collect data for other purposes, including analytics, and you will still see non-targeted Flexiti ads across the internet.
Interest-based advertising opt-outs work by saving cookies in your browser that tell the various ad partners that you have opted-out. You must opt-out from each web browser from which you do not want to receive interest-based advertising, and you must do so on all of your devices, because your choice will only apply to the web browser from which you opt-out. If you delete or clear your browser’s cookies, you will need to opt-out again.
We will make reasonable efforts to ensure that your personal information is accurate and complete where it may be used to make a decision about you or disclosed to another company. You may request correction to your personal information to ensure its accuracy and completeness. A request to correct your personal information must be made by telephone or in writing to the email address below and provide sufficient detail to identify the personal information and the requested correction.
Flexiti Financial Inc.
Attention: Privacy Officer
130 King St. West, Suite 1740
PO Box 332
Toronto, ON M5X 1E1