Collection of Personal Information
When using the Services, you will be asked to provide certain Personal Information, for example your name, email address, mobile telephone number, payment information, and information required to assess credit applications, including credit scores and banking information (“Services Information”). We will collect Personal Information that is reasonable and necessary to assess a credit or loan application, to produce related documentation upon approval, and to monitor credit reports and accounts post-closing in accordance with your financial Institution’s policies.
If you subscribe to the Services, we collect and store Services Information for billing purposes.
Unless the purposes for collecting Personal Information are obvious and you voluntarily provide your Personal Information for those purposes, we will communicate the purposes for which Personal Information is being collected before or at the time of collection.
You may refuse to supply Personal Information but be aware that this can prevent you from engaging in certain activities in relation to the Services.
To improve our products and to provide the Services, we may collect and use technical data and related information in a form that does not personally identify you. This includes but is not limited to technical information about the device, system and application software, and peripherals you use to access the Services. We gather these periodically to:
- Monitor system usage, server and software performance, to improve system design and products, to create benchmarks and to conduct trending analysis.
- Perform statistical analysis and generate data related to how users use the Services.
We also use Google, as a third party vendor, to serve JUDI.AI ads on other websites. Google uses what it calls a “DART cookie” to enable it to serve ads to users based on their visits to participating websites. As a result of our use of Google as a vendor and the use of DART cookies, the ads that you will be served on the Internet may in some cases be based on your use of the Services. You may opt out of the use of the DART cookie by visiting the Google site here.
We may also collect, use and/or disclose Personal Information for other purposes with your consent, or to the extent necessary for the purposes of meeting relevant regulatory, legal, insurance, audit, security and processing requirements, or to the extent permitted or required by applicable law.
Using and Disclosing Personal Information
We will use your Personal Information for the purposes described above. We may also use Personal Information to:
- Assist you with technical support issues. Most technical issues can be resolved without our support team viewing your Personal Information, but it may be required to assist with certain issues.
- Comply with any laws, regulations, court orders, subpoenas, or other legal process or investigation and to protect us and other individuals from harm.
We may disclose your Personal Information to third parties acting on our behalf to deliver the Services (“Service Providers“) only where your Personal Information is protected under contract.
We will not use or disclose your Personal Information for any additional purpose unless we obtain your consent to do so.
We will never sell your Personal Information.
The Company may collect, use, and disclose any non-personally identifiable information that has been derived from your Personal Information or use of the Services (“Anonymous Data”). Anonymous Data includes aggregated and de-identified data.
Retaining Personal Information
We will retain Personal Information for a reasonable amount of time necessary to fulfill the identified purposes or as permitted or required by law. We may keep your Personal Information until you delete your account or let us know that you no longer require the Services.
Ensuring Accuracy of Personal Information
We rely on you to ensure that the Personal Information you provide while using the Services is accurate, complete and up-to-date. You are welcome to make changes and request deletion or corrections to Personal Information at any time by updating your account settings or by contacting us at [email protected].
We will maintain appropriate storage and processing practices and security measures to protect your Personal Information from unauthorized access, collection, use, disclosure, copying, modification or disposal or destruction. We will train our team on privacy and security practices.
We will ensure that any third party acting on our behalf in respect of your Personal Information maintains reasonable and appropriate safeguards.
We will use appropriate security measures when destroying Personal Information such as deleting electronically stored information.
We will review and update our security policies and controls as technology changes to ensure ongoing Personal Information security, however please bear in mind that no internet or email transmission is ever fully secure or error free and no security system is impenetrable. We cannot fully guarantee the confidentiality of any information that you share with us.
Location of Services
Our company is located in Canada but we use service providers located inside Canada as well as the United States. This means that your Personal Information may be processed and stored in those countries and therefore may be subject to disclosure under the laws of those jurisdictions made available to local governments or their agencies under a lawful order. For more information, please contact our Privacy Officer at [email protected].
We think that children’s privacy is particularly important and we do not knowingly collect Personal Information about anyone 13 years or younger. If notified of having done so, we will take immediate steps to remove such data from our databases.
You may request access to, make corrections to, or delete the Personal Information we hold about you at any time, subject to limited exceptions. Upon written request, we will also provide you with a list of individuals or entities (e.g. third party service providers) to which we have disclosed your Personal Information, if applicable, subject to any restrictions under applicable laws. Please contact our Privacy Officer at [email protected] for additional information.
We encourage you to periodically review this page for the latest information on our privacy practices and to contact us if you have any questions or concerns.
Questions and Complaints
You may send your privacy-related questions, concerns or complaints to our Privacy Officer who is responsible for ensuring our compliance with this Policy and with the appropriate privacy legislation.