Privacy Policy
Last Updated January 23, 2023
Contents:
Your privacy is important to PayLight Auto Finance. This Privacy Policy explains how PayLight Auto Finance collects, uses, discloses and retains personal information, including information collected by PayLight Auto Finance through websites and telephone calls and when providing products or services.
1. Your Consent
By providing PayLight Auto Finance with your personal information, you consent to the collection, use, disclosure and retention of that information by PayLight Auto Finance 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 PayLight Auto Finance, but then you might not be able to proceed with your intended interactions or transactions with PayLight Auto Finance or otherwise receive the full benefit of PayLight Auto Finance products and services.
2. Personal Information
By providing PayLight Auto Finance with your personal information, you consent to the collection, use, disclosure and retention of that information by PayLight Auto Finance 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 PayLight Auto Finance, but then you might not be able to proceed with your intended interactions or transactions with PayLight Auto Finance or otherwise receive the full benefit of PayLight Auto Finance products and services.
3. Information That PayLight Auto Finance Collects
(a) Information You Provide
You may be asked to voluntarily give your personal information to PayLight Auto Finance when you interact, orally, in writing or by electronic transmission, with PayLight Auto Finance, including when you apply for an account or membership, subscribe to a newsletter, register to receive information, apply or register for or order a product or service offered by PayLight Auto Finance or use a product or service provided by PayLight Auto Finance. 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 PayLight Auto Finance or otherwise receive the full benefit of the desired product or service. Telephone calls between you and PayLight Auto Finance will be recorded to ensure accuracy and quality assurance, and may be disclosed to third parties to verify PayLight Auto Finance is compliant with its contractual obligations to third parties. You can choose not to have the telephone call recorded, and communicate by writing or electronic transmission.
(b) Automated Collection
PayLight Auto Finance may automatically collect certain information regarding your use of PayLight Auto Finance 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. PayLight Auto Finance website, online services, email messages and advertisements may use technologies (e.g. cookies, web beacons, tokens, pixels or tags) to collect information that assists PayLight Auto Finance to improve its products, services, customer communications and advertising and to prevent fraud. PayLight Auto Finance may use information that it collects through technological means to recognize you as a user of PayLight Auto Finance website or online services, to facilitate and improve your use of PayLight Auto Finance 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. More information about cookies used for interest-based advertising is set out in section 4(c) below. Much of the information that is automatically collected by technological means is non-personal information (because the information does not identify you), and PayLight Auto Finance will deal with that non-personal information as explained below in this Privacy Policy unless applicable law requires otherwise.
(c) Credit Reports
When you apply or register for, order or use certain products or services from PayLight Auto Finance (e.g. apply for financing or apply for pre-approval for financing), PayLight Auto Finance may obtain, and continue to periodically obtain, your credit score and related information from a credit reporting agency to process or fulfill the transaction, and to update your confidential profile for use by PayLight Auto Finance for purposes as set out in this Privacy Policy. Upon your request we will inform you if we have ordered such a report or reports, and will give you the name and address of the credit reporting agency that furnished the report or reports. You also acknowledge and agree that any dealers or other persons or organizations to which we have disclosed your personal information in accordance with this Privacy Policy, may request a credit report for any legitimate purpose associated with your application for credit, extending credit, modifying the terms of your credit agreement, collection on your account, or similar services or products.
(d) Information Regarding Referred Transactions
If PayLight Auto Finance refers you to an independent business (e.g. a lender) for a proposed transaction (e.g. a vehicle loan), then PayLight Auto Finance may collect from that independent business information regarding the transaction to update your confidential profile for use by PayLight Auto Finance as set out in this Privacy Policy.
4. How PayLight Auto Finance Uses Personal Information
(a) General
PayLight Auto Finance uses your personal information collected by PayLight Auto Finance for purposes relating to or arising from your relationship and transactions with PayLight Auto Finance and as otherwise set out in this Privacy Policy or permitted by applicable law, including:
• to administer your relationship with PayLight Auto Finance , including to create and manage your account or membership with PayLight Auto Finance and to contact and correspond with you regarding those matters;
• to facilitate your interactions and transactions with PayLight Auto Finance , including to process your applications, requests and orders;
• 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 PayLight Auto Finance and its products and services and related products and services offered by other businesses, to the extent permitted by applicable law;
• to administer and facilitate your participation in contests and promotions related to PayLight Auto Finance ;
• to maintain, protect and improve PayLight Auto Finance products and services and to develop new products and services;
• to protect and enforce PayLight Auto Finance legal rights, interests and remedies and to protect the business, operations and customers of PayLight Auto Finance or other persons; and
• to assist PayLight Auto Finance to collect, use, disclose and retain your personal information in accordance with this Privacy Policy.
(b) Disclosureby PayLight Auto Finance
(c) Interest-Based Advertising
PayLight Auto Finance may use interest-based advertising services (sometimes called “remarketing” or “retargeting”) provided by third party vendors (such as Google and Facebook) to display advertisements on third party websites and social media sites visited by users of PayLight Auto Finance website. Advertising vendors (such as Google and Facebook) use cookies, pixels or tokens – unique identifiers of a web browser on a specific computer that are installed on the computer when it accesses PayLight Auto Finance website – to display ads based on the computer’s past access to PayLight Auto Finance website. You can opt-out of Google’s use of cookies by visiting Google’s Ads Settings. You can also opt out of a remarketing vendor’s use of cookies by visiting the Network Advertising Initiative’s consumer opt-out page.
(d) Information Regarding Referred Transactions
If PayLight Auto Finance refers you to an independent business (e.g. a lender) for a proposed transaction (e.g. a vehicle loan), then PayLight Auto Finance may collect from that independent business information regarding the transaction to update your confidential profile for use by PayLight Auto Finance as set out in this Privacy Policy.
5. How PayLight Auto Finance Discloses Personal Information
(a) General
PayLight Auto Finance discloses your personal information for purposes relating to or arising from your relationship and transactions with PayLight Auto Finance and as otherwise set out in this Privacy Policy or permitted by applicable law.
(b) Specific Consents
PayLight Auto Finance may disclose your personal information in accordance with express or implied consents that you give during your interactions and transactions with PayLight Auto Finance .
(c) Referred Transactions
If PayLight Auto Finance refers you to an independent business (e.g. a lender) for a proposed transaction (e.g. a vehicle loan), then PayLight Auto Finance may disclose your personal information (including your credit score that you provided to PayLight Auto Finance , bank account information, and related information) to the independent business to facilitate the proposed transaction. PayLight Auto Finance has no responsibility or liability for, the use, disclosure or retention of your personal information by the independent business, and the use, disclosure and retention of the disclosed information by the independent business is not subject to this Privacy Policy.
(d) Suppliers and Service Providers
PayLight Auto Finance may disclose your personal information to its suppliers and service providers (including fraud prevention services and payment processors) to assist PayLight Auto Finance in the provision of information, products and services to you, to provide services to PayLight Auto Finance , to assist PayLight Auto Finance to use your personal information as set out in this Privacy Policy and as otherwise permitted by applicable law.
(e) Law Enforcement/Legal Disclosures
PayLight Auto Finance may disclose your personal information as required or authorized by applicable law, including to comply with a subpoena, warrant or court or arbitral order or litigation disclosure obligation. PayLight Auto Finance may disclose your personal information to law enforcement agencies or other independent organizations if PayLight Auto Finance reasonably believes the disclosure is necessary or appropriate in connection with national security, law enforcement or other issues of public importance, or if PayLight Auto Finance reasonably believes the disclosure is necessary or appropriate to protect and enforce PayLight Auto Finance legal rights, interests and remedies or to protect the rights, interests, business, operations or customers of PayLight Auto Finance or other persons (including to detect and prevent fraud and other illegal activities, enforce any of the terms of use, terms of service or other agreements that govern access to or use of any of PayLight Auto Finance products or services). PayLight Auto Finance has no responsibility or liability for, the use, disclosure or retention of your personal information by the agencies, independent organizations or other persons to whom PayLight Auto Finance discloses the information in the foregoing circumstances, and the use, disclosure and retention of the disclosed information by those agencies, independent organizations or other persons is not subject to this Privacy Policy.
(f) Business Transactions
PayLight Auto Finance may disclose your personal information in connection with a proposed or actual business or transfer of some or all of PayLight Auto Finance business or assets), but PayLight Auto Finance will require the information recipient agree to protect the privacy of your personal information in a manner that is consistent with this Privacy Policy and applicable law.
6. Location of Personal Information
PayLight Auto Finance retains your personal information for the period reasonably necessary for the purposes set out or referenced in this Privacy Policy and to comply with PayLight Auto Finance legal obligations or enforce or protect PayLight Auto Finance legal rights, or a longer period required or permitted by applicable law. PayLight Auto Finance will delete or dispose of your personal information when PayLight Auto Finance is no longer reasonably required to retain the information for the purposes set out or referenced in this Privacy Policy.
7. Retention of Personal Information
PayLight Auto Finance and PayLight Auto Finance Companies, and its and their service providers may process, store and use your personal information at facilities in various countries, including Canada, the United States of America and one or more countries in Europe or Asia. The personal information protection laws of those other countries might be different from the laws of the jurisdiction in which you reside, and might permit courts, government, law enforcement agencies, regulatory agencies and security authorities to access your personal information without notice. By providing your personal information to PayLight Auto Finance , you consent to the transfer of the personal information to facilities located in other countries and the processing and storage of the personal information at those facilities.
8. Protection of Personal Information
PayLight Auto Finance uses reasonable safeguards – including administrative, physical and technical security and safeguarding measures – appropriate to the sensitivity of the personal information in PayLight Auto Finance possession or under PayLight Auto Finance control to help protect the information from unauthorized access, collection, use, disclosure, disposal or similar risks. Nevertheless, security risks cannot be eliminated and PayLight Auto Finance cannot guarantee that your personal information will not be used, disclosed or deleted in ways not otherwise described in this Privacy Policy.
9. Accuracy, Access and Deletion of Personal Information
(a) Accuracy
PayLight Auto Finance will rely on you to ensure that your personal information that you provide to PayLight Auto Finance is as accurate, complete and up to date as necessary for the purposes for which PayLight Auto Finance uses the personal information. You will promptly notify PayLight Auto Finance of any changes to your personal information using the procedures made available for that purpose by PayLight Auto Finance or by contacting PayLight Auto Finance customer service.
(b) Access
You may reasonably request access to your personal information collected by PayLight Auto Finance and information about PayLight Auto Finance use, disclosure and retention of that personal information by submitting a written request to PayLight Auto Finance Privacy Officer 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.
(c) Deletion
You may request PayLight Auto Finance delete your personal information in its possession by submitting a written request to PayLight Auto Finance Privacy Officer using the contact information noted below. Subject to applicable exceptions and limitations prescribed by applicable law, PayLight Auto Finance will delete your personal information. PayLight Auto Finance will take appropriate steps to verify the identity of anyone requesting changes to, access to or deletion of the individual’s personal information. PayLight Auto Finance may decline to process a request to change or access personal 5
information that is unreasonably repetitive, frivolous, vexatious or impracticable, that infringes or jeopardizes the privacy of other persons, or for other reasons permitted by applicable law.
10. Non-Personal Information
PayLight Auto Finance 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. PayLight Auto Finance 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 PayLight Auto Finance will treat the combined non-personal information as personal information for the purposes of this Privacy Policy for as long as the non-personal information is combined.
11. Other Websites and Businesses
PayLight Auto Finance website and correspondence (including emails and messages) may include advertisements for products and services (e.g. vehicle sales, personal loans and credit cards) offered by independent businesses (that may have a financial relationship with PayLight Auto Finance ) or links to websites operated by independent businesses (e.g. car dealers, lenders and credit card providers). PayLight Auto Finance has no responsibility or liability for those other websites, online services or businesses, their products or services, or their collection, use, disclosure or retention of your personal information. This Privacy Policy does not directly apply to the collection, use, disclosure and retention of your personal information by those websites, online services and independent businesses. If you have questions about how those websites, online services or independent businesses collect, use, disclose or retain personal information, please contact the owner or operator of the website, service or business.
12. Other Matters
(a) Disclaimers, Liability Exclusions/Limitations and Disputes
The agreements (including any subscription agreement, membership agreement or terms of service or use) that you accept when you apply, register for, order or use PayLight Auto Finance products or services contain important provisions, including provisions disclaiming, limiting or excluding the liability of PayLight Auto Finance and other persons (including PayLight Auto Finance Companies and 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 PayLight Auto Finance 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
PayLight Auto Finance may change this Privacy Policy from time to time by posting a new version of this Privacy Policy on PayLight Auto Finance website. PayLight Auto Finance 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 PayLight Auto Finance 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) Definition
In this Privacy Policy, “PayLight Auto Finance Companies” means collectively PayLight Auto Finance corporate affiliates and parent company. Each of the PayLight Auto Finance Companies is referred to as a “PayLight Auto Finance Company”.
(e) Contacting PayLight Auto Finance Privacy Officer
If you have any comments or questions about this Privacy Policy or how PayLight Auto Finance deals with your personal information, please contact PayLight Auto Finance Privacy Officer by mail or email at: PayLight Auto Finance Deals – Privacy Officer, email: privacy@paylightautofinance.ca