PRIVACY POLICY

Amended

Law 25 on practices and processes related to the collection and use of personal information. Policies and privacy governance practices.

Who is providing this Privacy Policy?

This privacy notice is provided by ;

ALLIANCE CREDIT (11581244 Canada Inc.)

3030 Blvd. Le Carrefour, suite 801, Laval, (Quebec), H7T 2P5

General principle and use of personal information

Personal information will be used only for the purposes for which it was collected, and personal information is used only by authorized employees to whom it is necessary for the performance of their duties as well as third parties authorized by Alliance Credit who follows the same general principle.

Federal and provincial laws require us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we are doing.

The purpose of collecting personal information 

The types of personal information we collect and share depends on the product or service you have with us. Depending on the product or service, we may collect personal information to:

Proceed with the creation of the customer account, ensure the secure management of credit sales, verify the identity of the applicants to establish the legal relationship, particularly in the event of a dispute, carry out (or have carried out by an authorized third party) collection procedures, verify (or have verified by an authorized third party) the credit history of the consumer and/or his officers, his spouse or the co-applicant if applicable, determine the creditworthiness and verify the debtor’s eligibility for the financing requested (including automated decision-making), bank account balances, transaction history, income, establish means of correspondence with the applicant and communicate to him all important information concerning his account, verify the right of ownership of buildings or other assets and their location, obtain a credit report from an authorized third party, the consumer’s pre-employment history, the consumer’s criminal history, the consumer’s criminal history, to send you administrative notifications, financial alerts and communications relating to your use of the Service, preference information such as product wish lists, order history and marketing preferences, to fulfill your requests for certain products and services, for market research, project planning, troubleshooting problems and detecting and protecting against errors, preventing fraud and in particular identity theft or any other criminal activity, enforcing the conditions of use of Alliance Crédit and as otherwise indicated in this policy confidentiality.

So the types of personal information we collect and share will relate to one of the reasons listed above and may cover; 

A first and last name, surname and first name of the spouse, last name and first name of the mother, last name and first name of the father, a personal address, postal code, e-mail address, an identity card number, health insurance number, number driver’s license, passport, permanent resident card, date of birth, gender, spoken and written language, place of birth, birth certificate, citizenship/status in Canada, social insurance number, home phone number home, cell phone number, marital status, child(ren)/dependent(s) (last name, first name, date of birth) education, job title, place of work, financial information such as bank account numbers or brokerage, types of investments, unique identifiers such as username, account number, password, transaction, annual income, account history/statements, verification of assets, education/training/degree, name of current employer, work address, work phone, profession/title/trade/classification, names of previous employers, names of current or previous managers, references, professional association/union, court judgment, credit score.

Please note that we do not ask for any biometric information. According to the definition given by the Quebec government, biometric information is any information that can be used to identify someone based on their unique characteristics, including physical, behavioral and biological characteristics.

Where the personal information is held

Alliance Credit maintains your information in Canada only.

Who will have access?

Employees at Alliance Crédit and third parties chosen by Alliance to whom the information is necessary for the performance of their duties.

Content of data transfer agreements with third parties chosen by Alliance Credit

Alliance Credit imposes security measures on selected third parties to ensure “adequate protection” of the personal information concerned. Under the principle of accountability, Alliance Credit requires the chosen third party to take security measures to protect personal information that are reasonable taking into account, in particular, their sensitivity, the purpose of their use, their quantity, their distribution and their support. In addition, Alliance Credit imposes the restriction of the use of information provided to selected third parties to those for which consent has been obtained. Our contracts with our chosen third parties stipulate that the information disclosed must only be used for the purpose of performing the contract and stipulate that information which is no longer necessary for the performance of the mandate will not be retained or will be anonymized for the purpose of performing the contract use only for “serious and legitimate” purposes. Our contracts with our chosen third parties also stipulate that the third party must promptly notify us of any confidentiality incident or breach or attempted breach of confidentiality obligations and that they must “maintain a log of confidentiality incidents” and provide access sufficient for Alliance Credit to comply with the requirements of Law 25: the Commission d’accès à l’information du Québec may at any time require that a copy of this register be sent to them. Finally, Alliance Credit imposes on the chosen third parties the right of verification in order to be able to ensure that the required security measures have been implemented.

How does Alliance Crédit protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal and provincial laws.

Does Alliance Crédit share your data with third parties.

Alliance Credit shares the personal information collected with third parties only when you have given prior authorization. These third parties are service providers who provide services to Alliance Credit and are bound by these same confidentiality restrictions.

EDoes Alliance Crédit share your data outside of Quebec?

Alliance Credit may share personal information collected outside of Quebec when a third party is located in another province. Personal information will never leave Canada.

Does Alliance Crédit use technological tools for profiling, localization or identification to collect personal information?

The use of profiling, location functions or identification is not deployed by Alliance Crédit.

Right of access, rectification, de-indexation, re-indexation, cessation of dissemination and portability of data

You can request the rectification of any of your personal information if it is “inaccurate, incomplete or ambiguous” or if its collection, communication or storage is not authorized by law. You can request the cessation of the dissemination of your personal information or the de-indexing of any hyperlink giving access to your information if the dissemination contravenes the law or a court order, or causes you serious prejudice relating to the right to respect for your reputation. or private life. You can also ask to obtain a copy of the computerized personal information collected about you. Please contact Kamal Madid, Chief Privacy Officer by email [email protected] if you have a request. An acknowledgment of receipt will be sent to you within 7 days of receipt of your complaint. A response to your request will be issued 14 days following the acknowledgment of receipt.

How long we keep your personal information/span>

Alliance Credit retains your personal information for the entire duration of the relationship for which your data was collected.

When do we destroy your personal information

Alliance Credit will destroy or anonymize your personal information when the purposes for which it was collected or used are accomplished.

Process for handling complaints regarding the protection of personal information held

Please contact Kamal Madid, Chief Privacy Officer by email [email protected] if you have a complaint. An acknowledgment of receipt will be sent to you within 7 days of the reception of your complaint. A response to your complaint will be issued 14 days following the acknowledgment of receipt.

Cybersecurity incident management, incident registry and breach reporting.

We will notify you and government authorities, including the Governmental Data Breach Commission, of any privacy incident that “presents a risk of serious harm being caused”. Under Law 25, a “confidentiality incident” means access to personal information, its use or its communication if it is not authorized by law, as well as the loss of personal information or any other breach of the protection of such information which relates to a person and makes it possible, directly or indirectly, to identify that person. Alliance Credit holds and maintains a registry of all confidentiality incidents in the manner prescribed by regulation, regardless of the risk of serious harm they could pose.

Questions?

Call : 514-360-0498 or go to https://alliancecredit.ca/en/contact/ 

Privacy Officer

Kamal Madid, head of protection, private life; 514-360-0498 , [email protected]