How we handle yourpersonal information

Who this privacy policy covers

CashPicks ("we", "us", "our") runs the website cashpicks.ca, an online service for Canadians looking for e-transfer payday loans. In short, this policy explains how we handle the personal information you share with us on this website.

Also, we handle personal information under the Personal Information Protection and Electronic Documents Act (PIPEDA) and under provincial privacy laws where they apply.

When we pass your details to a lender to process a loan request, that lender's own privacy policy also applies to how it handles them.

What personal information we collect

Generally, we collect only what we need to process your loan request and run the website. Depending on how you use CashPicks, this can include:

Information you give us

• Contact details, such as your name, email address, phone number and province or territory
• Details of your loan request, such as the amount and the repayment period you'd like
• Financial details you choose to share, such as your type of income
• If you connect your bank account to confirm your income, the read-only account information you authorize
• Messages you send us through the contact form or by email

Information collected automatically

• Your device and browser type, operating system and approximate location based on your IP address
• How you use the site, such as the pages you view and the page you came from
• Cookies and similar technologies (see section 10)

How we collect it

• Directly from you, when you use the calculator, fill in a form or contact us
• Automatically, from your browser and through our analytics service, StatCounter, when you visit (see section 10)
• From service providers that help us run and secure the website

How we use your information

We use your personal information to:

• Process your loan request and pass it on for review
• Show you estimated costs and relevant information for your province
• Answer your questions and provide support
• Improve the website and our content
• Detect and prevent fraud, abuse and security threats
• Meet our legal and regulatory obligations

Who we share it with

Apart from that, we share your information only in these situations:

Your consent under this privacy policy

By using CashPicks and giving us your information, you consent to us collecting, using and sharing it as this policy describes. Where the law requires it, we'll ask for your express consent, for example before your details are shared with a lender.

Also, you can withdraw your consent at any time, subject to legal and contractual limits, by contacting our Privacy Officer (see section 14). However, if you withdraw consent, we may no longer be able to process your loan request.

How we protect your information

• TLS encryption for information sent between your device and our website
• Access controls that limit which team members can see your information
• Regular security reviews and monitoring for unusual activity
• Service providers that meet recognized security and privacy standards

No way of sending or storing data is completely secure, but we use industry-standard safeguards to protect your information.

How long we keep it

In general, we keep personal information only as long as we need it for the purposes in this policy, or as long as the law requires. After that, we securely delete it or make it anonymous. If you ask us to delete your information, we'll do so within 30 days, unless the law requires us to keep certain records.

Your rights under this privacy policy

Under PIPEDA and provincial privacy laws, you can:

To make a request, email support@cashpicks.ca. We'll respond within 30 days. Then, if you're not satisfied with our answer, you can contact the Office of the Privacy Commissioner of Canada.

Cookies and tracking

Also, we use cookies to keep the website working and, through StatCounter, to understand how visitors use it. However, we don't use advertising cookies.

You can control or turn off cookies in your browser settings, although parts of the site may not work properly without them. For more detail, see our Cookie Policy.

Third-party links and this privacy policy

For example, our website links to other websites, including lenders. So once you leave cashpicks.ca, this policy no longer applies. Each website has its own privacy practices, so read its privacy policy before you share information with it.

Minors

Specifically, CashPicks is meant for adults who have reached the age of majority in their province or territory, which is 18 or 19. Therefore, we don't knowingly collect personal information from minors. If you think a minor has given us information, contact us and we'll delete it promptly.

Changes to this privacy policy

From time to time, we may update this policy to reflect changes in our practices, technology or the law. When we do, we'll change the "last updated" date at the top of this page, and we may tell you about significant changes by email or with a notice on the site.

Contact our Privacy Officer about this privacy policy

Have a question, concern or request about your personal information?