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In this Agreement, "we", "our" and "us" mean, as applicable, any ApplyThenDrive.com Member; "you" and "your" mean an individual who has made application to us for any personal or commercial credit service offered by us ("Service"), including any co-applicants, guarantors or personal representatives.
We may collect personal information from you and about you such as:
We may collect from, and use and disclose this personal information to, any person or organization for the following purposes:
We will use health information strictly for the provision of an insurance Service. We do not provide directly all the services related to your relationship with us. We may use third party service providers to assist us with various services such as printing, mail distribution and marketing and you acknowledge that we may release information about you to them. When personal information is provided to our service providers, we will require them to protect the information in a manner that is consistent with our privacy policies and practices.
All information that you give us will, at any time, be true and complete. If any personal information changes or becomes inaccurate or out of date, you are required to advise us so we can update our records.
How the company transfers data to third-party companies
Access to the information we obtain about you resulting from credit application submission is restricted to only those service providers who need to know that information for the purpose of purchasing an automobile or obtaining credit. Other than as set forth above, we do not share personally identifiable information with other companies, apart from those acting as our agents in providing our product(s)/service(s), and which agree to use it only for that purpose and to keep the information secure and confidential.
We may also share personal information in connection with law enforcement, fraud prevention, and other legal action if we reasonably believe it is necessary to do so to protect its customers or the public.
Refusing or Withdrawing Consent
Subject to legal, regulatory and contractual requirements, you can refuse to consent to our collection, use or disclosure of information about you, or you may withdraw your consent to our further collection, use or disclosure of information at any time in the future by giving us reasonable notice. Depending on the circumstances, however, withdrawal of your consent may impact on our ability to provide you or continue to provide you with some Services or information that may be of value to you. We will act on your instructions as quickly as possible but there may be certain uses of your information that we may not be able to stop immediately. You cannot refuse our collection, use and disclosure of information required by third party service providers essential for the provision of the Services or required by our regulators, including self-regulatory organizations. You can tell us at any time to stop using information about you to promote our Services or the products and services of third parties we select If you wish to refuse consent or to withdraw consent as outlined in this Agreement, you may do so at any time by contacting our head office at loansofficer@ApplyThenDrive.com
In Addition, If You Apply For, Accept, or Guarantee, a Vehicle loan With Us
When you apply for, accept, or guarantee a loan or credit facility or otherwise become indebted to us, and from time to time during the course of the loan or credit facility, we may use, give to, obtain, verify, share and exchange credit and other information (except health information) about you with others including credit bureaus, mortgage brokers, mortgage insurers, creditor insurers, registries, other companies affiliated with us and other persons with whom you may have financial dealings, as well as any other person as may be permitted or required by law. We may do this throughout the relationship we have with you. You also authorize any person whom we contact in this regard to provide such information to us. During the term of the loan or credit facility, you may not withdraw your consent to our ongoing collection, use or disclosure of your personal information in connection with the loan or other credit arrangement you have with us or have guaranteed. We can continue to disclose your personal information to credit bureaus even after the loan or credit facility has been retired, and you may not withdraw your consent to our doing so. We do this to help maintain the accuracy, completeness and integrity of the credit reporting system.
You acknowledge that we may amend this agreement from time to time to take into consideration changes in legislation or other issues that may arise. We will post the revised agreement on our web site listed below and make it available at our branches and head office.
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