This Privacy Policy describes how TrueNorthAutoCredit.ca (1353272 B.C. Ltd.) (“we”, “us”, or “our”) collects, uses, discloses, and safeguards personal information in connection with automotive financing services, in accordance with applicable privacy laws, including the Personal Information Protection and Electronic Documents Act (Canada) (“PIPEDA”).

By accessing or using our website or submitting an application, you acknowledge that you have read and understood this Privacy Policy and consent to the collection, use, and disclosure of your personal information as described herein.

1. Collection of Personal Information

We collect personal information that you voluntarily provide in connection with a credit application, pre-qualification, or financing inquiry, including but not limited to:

• Name
• Residential and mailing address
• Telephone number
• Date of birth
• Employment and income information

We may also collect non-personal or technical information automatically, including your IP address, browser type, device information, geographic location, and referral source.

2. Purpose of Collection

Your personal information is collected, used, and disclosed for purposes including:

• Verifying your identity and preventing fraud
• Assessing creditworthiness and eligibility for automotive financing
• Submitting your application to lenders, leasing companies, and financial institutions
• Matching you with appropriate financing programs and offers
• Communicating with you regarding your application, approvals, or alternative options
• Improving our services, website performance, and user experience
• Complying with legal, regulatory, and contractual obligations

We limit our collection to information necessary for these purposes.

3. Consent

By submitting your information through TrueNorthAutoCredit.ca, you provide informed consent to the collection, use, and disclosure of your personal information for the purposes described in this Privacy Policy.

Where required, express consent will be obtained. You may withdraw your consent at any time, subject to legal or contractual restrictions. Withdrawal of consent may affect our ability to obtain or maintain financing on your behalf.

4. Credit Authorization and Financial Consent

By submitting an application, you:

• Confirm that all information provided is accurate and complete;
• Authorize TrueNorthAutoCredit.ca, its affiliates, and its lending partners to obtain your consumer and/or commercial credit reports from one or more credit reporting agencies;
• Authorize verification of your employment, income, banking, and financial information; and
• Consent to the ongoing exchange of credit and account-related information with credit bureaus and lenders, as permitted by law.

This authorization may be used for the initial application and, where applicable, for ongoing account review, renewal, or collection activities.

5. Use and Disclosure of Personal Information

To facilitate automotive financing, we may disclose your personal information to:

• Banks, credit unions, and alternative lenders
• Automotive finance companies and leasing providers
• Credit reporting agencies (e.g., Equifax, TransUnion)
• Dealership partners and affiliated automotive service providers
• Third-party service providers supporting underwriting, identity verification, or application processing
• Regulatory authorities, law enforcement, or legal entities, where required

You acknowledge that your application may be submitted to multiple lenders in order to secure financing or alternative offers.

We do not sell your personal information to third parties.

6. Communication Consent

You consent to being contacted by TrueNorthAutoCredit.ca, participating dealerships, lenders, and affiliated partners via telephone, SMS, or other permitted communication methods regarding:

• Your credit application
• Financing approvals or declines
• Alternative lending opportunities
• Related automotive or financial products and services

You acknowledge that:

• Communications may include marketing or promotional messages; and
• We and/or our partners may receive compensation, including referral or placement fees, in connection with financing arrangements or related services.

You may opt out of certain communications in accordance with applicable laws, including Canada’s Anti-Spam Legislation (CASL).

7. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience, analyze traffic, and support marketing and remarketing efforts.

By using our website, you consent to such use. You may adjust your browser settings to disable cookies; however, doing so may affect website functionality.

8. Analytics and Third-Party Tools

We use third-party analytics tools, including Google Analytics, to understand website usage and improve our services.

These third parties may collect information in accordance with their own privacy policies. For more information, visit: www.google.com/policies/privacy/partners/

9. Safeguards

We maintain administrative, technical, and physical safeguards appropriate to the sensitivity of the information, including encryption, secure servers, and access controls.

Despite these measures, no system is completely secure, and we cannot guarantee absolute protection of personal information.

10. Retention

We retain personal information only as long as necessary to fulfill the purposes outlined in this Policy and to meet legal, regulatory, lender, and audit requirements.

11. Accuracy and Access

We take reasonable steps to ensure that your personal information is accurate and up to date.

You have the right to request access to your personal information and request corrections where appropriate, subject to applicable legal restrictions.

You may request access to or correction of your personal information by contacting TrueNorthAutoCredit.ca (1353272 B.C. Ltd.) at 604-300-6439. We will respond in accordance with applicable privacy laws.

12. Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for their content, security, or privacy practices. Your use of such websites is at your own risk.

13. Intellectual Property

All content on this website is owned by TrueNorthAutoCredit.ca or its licensors and is protected by applicable intellectual property laws. Unauthorized use is strictly prohibited.

14. Disclaimer

The website and all materials are provided on an “as is” and “as available” basis, without representations or warranties of any kind, whether express or implied, including fitness for a particular purpose or merchantability.

We do not guarantee uninterrupted access, error-free operation, or availability of financing offers.

15. Limitation of Liability

To the fullest extent permitted by law, TrueNorthAutoCredit.ca, its affiliates, partners, lenders, and service providers shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:

• Your use of or inability to use this website
• Any financing decision made by a lender
• Any errors, delays, or interruptions in processing your application

In all circumstances, our total aggregate liability shall not exceed five (5) Canadian dollars.

16. Indemnification

You agree to indemnify and hold harmless TrueNorthAutoCredit.ca, its affiliates, partners, and lenders from any claims, damages, or liabilities arising from your use of the website or breach of this Privacy Policy.

17. Governing Law

This Privacy Policy shall be governed by the laws of the Province of British Columbia and the applicable federal laws of Canada.

You agree to submit to the exclusive jurisdiction of the courts of British Columbia.

18. Changes to This Policy

We reserve the right to modify this Privacy Policy at any time. Changes will be effective upon posting to the website. Continued use of the website constitutes acceptance of such changes.