Privacy Policy

Please read these terms and conditions of use carefully before using this web site.

Your use of theautoproviders.ca depends on your acceptance, without modification, of the following terms and conditions (the "Terms and Conditions"). By using theautoproviders.ca you accept these Terms and Conditions.

Modifications of the Terms and Conditions

theautoproviders.ca may, in its sole discretion and for any reason, modify, supplement or amend these Terms and Conditions without any notice or liability to you or any other person, by posting revised Terms and Conditions on the theautoproviders.ca web site. Your continued use of the theautoproviders.ca website signifies your acceptance of such revised Terms and Conditions. View the website to review the most recent version of the Terms and Conditions.

How We Work

When you submit an application to theautoproviders.ca (the "Application") we work together with service providers to process your Application. We do not arrange for or facilitate credit. We will release some or all of the information in your Application to these service providers in order to locate an appropriate credit provider for you.

Authorization

By submitting an Application to theautoproviders.ca, you certify that all information which you provide in the Application is true and complete and you authorize theautoproviders.ca or our agents or affiliates to:

• obtain any and all credit information concerning your Application from any sources which theautoproviders.ca deems appropriate;
• obtain consumer credit reports from one or more credit reporting agencies in connection with the administration of your Application;
• communicate with you in-person, by telephone, mail, email, text or any social media platforms;
• provide reports to you on the status of your Application, including information concerning whether you pre-qualify for a loan or not, which lender's loan offer (if any) you choose to accept, or whether your Application for credit is denied; and
• sell or otherwise disclose information concerning your Application, including your personal information, to one or more persons or organizations, affiliates, credit reporting agencies, or wholesale lead providers, any or all of whom may conduct independent searches using the information disclosed in your Application for the purpose of processing a d facilitating your Application.

You can withdraw your consent to being contacted by theautoproviders.ca at any time by notifying us at info@theautoproviders.ca or by using the unsubscribe option on any of our electronic messages.

Links

theautoproviders.ca does not warrant the authenticity or reliability of the websites linked to the theautoproviders.ca website and is not responsible for the contents of any linked website. The inclusion of a link on the theautoproviders.ca website does not constitute endorsement of the linked website by theautoproviders.ca. Use of any such linked website is at the user's own risk.

Minors

This website is not intended for use by minors. If you are under the age of majority in your jurisdiction, you may only use the theautoproviders.ca website, or any services provided in conjunction with the website, under the supervision of an adult. theautoproviders.ca does not knowingly collect personal information from minors. Use of this website is void where prohibited by applicable law.

Restricted Access

In its sole discretion, in addition to any other rights or remedies available to theautoproviders.ca, and without any liability whatsoever, theautoproviders.ca may at any time, without notice to you, terminate or restrict your access to any component of theautoproviders.ca.

Governing Law

This use of the theautoproviders.ca website and any claims against theautoproviders.ca shall be governed by the laws of the Province of Ontario. You consent and submit to the exclusive jurisdiction of the courts located in the City of Toronto, in the Province of Ontario, Canada, in respect of all disputes arising out of or relating to the use of theautoproviders.ca website and these Terms and Conditions.

Privacy Policy

Your privacy is very important to us. The following is our privacy policy which describes how we keep your personal information safe ("Privacy Policy").

theautoproviders.ca is committed to protecting the privacy and security of your personal information obtained through your Application and your customer relationship with theautoproviders.ca. Our Privacy Policy outlines the types of personal information we collect, how it is used, and the steps we take to ensure your personal information is handled appropriately. Our Privacy Policy applies to the personal information practices on the theautoproviders.ca website and through any interactions with you.

Our Privacy Policy is designed to comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and may be amended from time to time. A copy of the most current version of our Privacy Policy is available on our website or by contacting us using the contact information provided on the theautoproviders.ca website.

Personal Information

Personal information is information about an identifiable individual which includes your name, address, age, income, date of birth, gender, financial information and credit records, as well as your opinions, preferences and purchase patterns.

Examples of personal information theautoproviders.ca may collect, use and disclose include your contact information, your financial information and other information that you may provide to us through your Application or otherwise or that we may obtain from third parties in conjunction with your use of the theautoproviders.ca website and services.

Collecting Personal Information

theautoproviders.ca will collect personal information by lawful and fair means and only with the knowledge and consent of the person concerned. theautoproviders.ca will only collect personal information which is relevant to the purposes for which it is to be used, to the extent necessary for those purposes, and will take reasonable steps to ensure the information is accurate, complete, and up-to-date.

Using and Sharing Personal Information

theautoproviders.ca may use or share your personal information and Application to:

• obtain any and all credit information concerning your Application from sources which theautoproviders.ca deems appropriate;
• obtain consumer credit reports from one or more credit reporting agencies connection with the administration of your Application;
• communicate with you in-person, by telephone, mail, email, text or any social media platforms;
• provide reports to you on the status of your Application, including information concerning whether you pre-qualify for a loan or not, which lender's loan offer (if any) you choose to accept, or whether your Application for credit is denied; and
• sell or otherwise disclose information concerning your Application, including your personal information, to one or more persons or organizations, affiliates, credit reporting agencies, or wholesale lead providers, any or all of whom may conduct independent searches using the information disclosed in your Application for the purpose of processing and facilitating your Application.

Protecting Your Personal Information

theautoproviders.ca protects your personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification and take all necessary security measures necessary to ensure that personal information is handled and stored in a confidential and secure manner. We review our procedures and security measures regularly to ensure that they are properly administered and remain effective and appropriate for the sensitivity of the information.

Sharing Your Personal Information

When your personal information is transferred to or shared with a third party, theautoproviders.ca requires the third party to protect the information in a manner that is consistent with this Privacy Policy. Third parties are required under their contracts with theautoproviders.ca to maintain your confidentiality and may not use your information for any unauthorized purpose. If theautoproviders.ca is required by law to provide information, reasonable steps will be taken to verify the lawful authority for the collection and we disclose only the information that is legally required.

Retaining your Personal Information

Subject to any legal or accounting requirements, we will retain your personal information only as long as necessary to fulfill the purposes for which it was collected. Personal information that is no longer required will be destroyed, erased or made anonymous, although copies of deleted information may continue to exist on back-up media.

Contacting You

By accepting the terms of this Privacy Policy, you consent to receiving in-person communications, mail, emails, text messages, phone calls, or contact via social media platforms about additional products and services from us or any of our agents or affiliates. If you choose to unsubscribe to our e-mail list, it will not be regarded as a withdrawal of consent. Likewise withdrawing consent directly with the persons or organizations to whom your Personal information has been sold and/or disclosed will not withdraw the consent that you are providing to us by accepting this Privacy Policy.

Accessing your personal information stored by us

You have the right to access, update and correct inaccuracies in your personal information in our custody or control. To access your personal information, a request must be submitted in writing to us at the address provided in the "Contact us" section of this website. We will respond to your request for access or information in a reasonable time. There may be times when we are unable to fulfill your request - for example, if providing access to your personal information would reveal confidential commercial or proprietary information or personal information about someone else (and we are unable to separate your data), or if we are prohibited by law from disclosing the information. We may request certain personal information for the purposes of verifying the identity of the individual seeking access to their personal information records.

Responding to Privacy Concerns or Complaints

theautoproviders.ca will respond in a reasonable time to your questions, concerns and complaints about the privacy of your personal information and our privacy policies and procedures. We will investigate and respond to any concern you have regarding the handling of your personal information.

theautoproviders.ca has designated a privacy officer ("Privacy Officer") who is responsible for our compliance with this Privacy Policy, and for ensuring that information about our policies and practices relating to the management of personal information is easily accessible. All questions or concerns regarding this Privacy Policy or our compliance with it should be directed to the Privacy Officer in writing, and sent by email to info@theautoproviders.ca.

Terms

By accessing this website, you agree to be bound by these Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local, provincial, state, federal, or international laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

Authorization

By submitting an application through our website, you certify that all information provided is true, accurate, and complete.

You authorize The Auto Providers and/or our agents and affiliates to obtain credit information and consumer reports from credit reporting agencies and other sources deemed appropriate in connection with your application.

You authorize The Auto Providers to communicate with you regarding your application, account status, and related services by phone, email, SMS/text message, and other electronic means, subject to your communication preferences and applicable law.

You authorize The Auto Providers to provide updates regarding the status of your application, including whether you pre-qualify for a loan, any lender offers available to you, whether your application is approved or denied, and whether you accept a loan from a lender.

You acknowledge and agree that The Auto Providers may share your Personal Information with participating lenders, dealerships, service providers, and other partners for the purpose of processing your application and assisting you in purchasing a vehicle. Any such parties are required to comply with applicable privacy laws and use your information only for authorized purposes.

You may withdraw your consent to receive marketing communications at any time as described below in the SMS & Mobile Communications section. Withdrawal of consent does not affect the lawfulness of communications sent prior to withdrawal.

Links

The Auto Providers has not reviewed all of the websites linked to its website and is not responsible for the contents of any linked site. The inclusion of any link does not imply endorsement by The Auto Providers. Use of any linked website is at the user's own risk.

Site Terms of Use Modifications

The Auto Providers may revise these Terms of Use at any time without notice. By using this website, you agree to be bound by the current version of these Terms and Conditions of Use.

Governing Law

Any claim relating to The Auto Providers website shall be governed by applicable federal, provincial, state, and local laws. Nothing in this policy limits your rights under applicable consumer protection or privacy laws, including but not limited to Canadian privacy laws, U.S. federal law, or state consumer protection laws.

How We Treat Your Personal Information

Your privacy is very important to us. This section explains how we collect, use, disclose, and safeguard your Personal Information.

When you apply for credit through our platform, you agree that the information you provide may be used to request consumer credit reports and to evaluate and administer your application.

We work with lenders, dealerships, and service providers to process your application. We do not directly extend credit. We may disclose some or all of your Personal Information to these entities strictly for the purpose of evaluating your financing request or assisting with your vehicle purchase.

All companies involved in this process are required to comply with applicable federal, provincial, and state privacy laws.

Collection and Use of Personal Information

We collect Personal Information by lawful and fair means and, where required by law, with your knowledge and consent.

Personal Information collected may include:

• Name
• Address
• Phone number
• Email address
• Date of birth
• Employment and income information
• Credit and financial information
• Device and usage data

We use Personal Information to:

• Process and evaluate financing applications
• Communicate with you regarding your application
• Provide customer support
• Improve our services
• Prevent fraud and enhance security
• Provide marketing communications where you have provided consent

Personal Information must be relevant to the purposes for which it is used and, where necessary, accurate and up to date.

Marketing Communications

You may receive marketing communications from The Auto Providers or its participating dealership partners only where permitted by law and based on your consent.

Consent to receive marketing communications is not a condition of obtaining credit, purchasing a vehicle, or receiving any services.

You may opt out of marketing emails at any time by using the unsubscribe link included in the message. Opting out of marketing emails does not affect transactional or service-related communications.

Protection of Personal Information

We protect Personal Information using reasonable administrative, technical, and physical safeguards designed to prevent loss, theft, unauthorized access, disclosure, copying, use, or modification.

While we take reasonable security measures, no system can guarantee absolute security. We cannot guarantee that your Personal Information will never be accessed or disclosed in ways not otherwise described in this Privacy Policy.

Disclosure and Sale of Information

The Auto Providers may share your Personal Information with:

• Participating lenders
• Dealership partners
• Service providers

We do not sell, rent, or transfer your mobile phone number or SMS consent to third parties for their own independent marketing purposes.

Participating dealerships or lenders that contact you will do so based on your inquiry and applicable consent. They are required to comply with applicable telemarketing and privacy laws.

Cookies and Online Tracking

The Auto Providers may collect information regarding your use of our website, including:

• Dates and times of access
• Browser type and operating system
• Device type
• Pages viewed and actions taken

We use cookies, web beacons, pixels, and similar technologies to improve user experience, enhance security, prevent fraud, measure advertising effectiveness, and provide relevant offers.

You may disable cookies through your browser settings; however, doing so may limit certain features of our website.

We may use interest-based advertising services provided by third-party vendors such as Google and Facebook. These vendors may use cookies or similar technologies to display ads based on prior visits to our website.

You may opt out of certain advertising cookies through Google Ads Settings or the Network Advertising Initiative opt-out page.

SMS & Mobile Communications Consent

If you provide your mobile phone number and expressly opt in to receive text messages, you agree to receive SMS communications from The Auto Providers and, where applicable, participating dealership partners regarding your application, account updates, service notifications, and promotional offers.

By providing your phone number and checking the applicable consent box, you expressly agree to receive recurring marketing and informational text messages that may be sent using an automatic telephone dialing system (ATDS), automated technology, or artificial or prerecorded voice.

Consent is not a condition of purchase, credit approval, or receiving services.

Message frequency may vary. Message and data rates may apply.

You may opt out at any time by replying STOP to any message. After you send STOP, you will receive a one-time confirmation message confirming that you have been unsubscribed. No further marketing messages will be sent unless you re-enroll.

For assistance, reply HELP or contact us at info@theautoproviders.ca.

You may also revoke consent by contacting us directly. We will honor revocation requests in accordance with applicable law.

Carriers are not liable for delayed or undelivered messages.

We do not share, sell, rent, or transfer SMS opt-in consent or mobile numbers to third parties for their own marketing purposes. Any third-party service providers that send messages on our behalf are contractually required to protect your information and may use it only to provide messaging services to us.