HOW WE DISCLOSE YOUR PERSONAL INFORMATION
(a) General
Approval Team Company discloses your personal information for purposes relating to or arising from your relationship and transactions with the Approval Team Company and as otherwise set out in this Privacy Policy or permitted by applicable law.
(b) Specific Consents
Approval Team Company may disclose your personal information in accordance with express or implied consents that you give during your interactions and transactions with the Approval Team Company.
(c) Referred Transactions
If Approval Team Company refers you to an independent business (e.g. a car dealer, lender or credit card company) for a proposed transaction (e.g. a vehicle purchase, loan or credit card application), then the Approval Team Company may disclose your personal information (including your credit score that you provided to a Approval Team Company, bank account information, and related information) to the independent business to facilitate the proposed transaction. Approval Team Company has no control over, or responsibility or liability for, the use, disclosure or retention of your personal information by the independent business, and the use, disclosure and retention of the disclosed information by the independent business is not subject to this Privacy Policy.
(d) Suppliers and Service Providers
Approval Team Company may disclose your personal information to its suppliers and service providers (including fraud prevention services and payment processors) to assist the Approval Team Company in the provision of information, products and services to you, to provide services to the Approval Team Company, to assist the Approval Team Company to use your personal information as set out in this Privacy Policy and as otherwise permitted by applicable law.
(e) Law Enforcement/Legal Disclosures
Approval Team Company may disclose your personal information as required or authorized by applicable law, including to comply with a subpoena, warrant or court or arbitral order or litigation disclosure obligation. A Approval Team Company may disclose your personal information to law enforcement agencies or other independent organizations if the Approval Team Company reasonably believes the disclosure is necessary or appropriate in connection with national security, law enforcement or other issues of public importance, or if the Approval Team Company reasonably believes the disclosure is necessary or appropriate to protect and enforce the Approval Team Company’s legal rights, interests and remedies or to protect the rights, interests, business, operations or customers of the Approval Team Company or other persons (including to detect and prevent fraud and other illegal activities, enforce any of the terms of use, terms of service or other agreements that govern access to or use of any of the Approval Team Company’s products or services). A Approval Team Company has no control over, or responsibility or liability for, the use, disclosure or retention of your personal information by the agencies, independent organizations or other persons to whom the Approval Team Company discloses the information in the foregoing circumstances, and the use, disclosure and retention of the disclosed information by those agencies, independent organizations or other persons is not subject to this Privacy Policy.
(f) Business Transactions
Approval Team Company may disclose your personal information in connection with a proposed or actual business transaction in which the Approval Team Company is involved (such as a corporate amalgamation, reorganization, merger or acquisition, or the sale or transfer of some or all of the Approval Team Company’s business or assets), but the Approval Team Company will require the information recipient agree to protect the privacy of your personal information in a manner that is consistent with this Privacy Policy and applicable law.
LOCATION OF PERSONAL INFORMATION
Approval Team may process, store and use your personal information at facilities located in Canada.
RETENTION OF PERSONAL INFORMATION
Approval Team retains your personal information for the period reasonably necessary for the purposes set out or referenced in this Privacy Policy and to comply with Approval Team’s legal obligations and permitted by applicable law. Approval Team will delete or dispose of your personal information when Approval Team is no longer reasonably required to retain the information for the purposes set out or referenced in this Privacy Policy.
PROTECTION OF PERSONAL INFORMATION
Approval Team uses reasonable safeguards – including administrative, physical and technical security and safeguarding measures – appropriate to the sensitivity of the personal information in Approval Team’s possession or under Approval Team’s control to help protect the information from unauthorized access, collection, use, disclosure, disposal or similar risks. Nevertheless, security risks cannot be eliminated and Approval Team cannot guarantee that your personal information will not be used, disclosed or deleted in ways not otherwise described in this Privacy Policy.
ACCURACY & ACCESS TO PERSONAL INFORMATION
Approval Team will rely on you to ensure that your personal information that you provide to Approval Team is as accurate, complete and up to date as necessary for the purposes for which Approval Team uses the personal information. You should promptly notify Approval Team of any changes to your personal information by contacting Approval Team customer service. You may reasonably request access to your personal information collected by Approval Team and information about Approval Team’s use, disclosure and retention of that personal information by submitting a written request to Approval Team’s Operations Manager using the contact information noted below.
Subject to applicable exceptions and limitations prescribed by applicable law, you will be given reasonable access to your personal information and you will be entitled to verify the accuracy and completeness of your personal information and to have the information revised as appropriate. You may be required to pay a reasonable fee for access to your personal information. Approval Team may decline to process a request that is unreasonably repetitive, frivolous, or impracticable, that infringes or jeopardizes the privacy of other persons, or for other reasons permitted by applicable law.
NON-PERSONAL INFORMATION
Approval Team creates and collects non-personal information (information that is not about an identifiable individual), including personal information that has been aggregated or otherwise depersonalized so that the information no longer relates to an identifiable individual. Approval Team may use, disclose, transfer and retain non-personal information for any purpose and in any manner whatsoever. If non-personal information is combined with personal information, then Approval Team will treat the combined non personal information as personal information for the purposes of this Privacy Policy for as long as the non personal information is combined.
OTHER WEBSITES & BUSINESSES
Approval Team Company’s websites and correspondence (including emails and messages) may include advertisements for products and services (e.g. vehicle sales, personal loans and credit cards) offered by independent businesses (that may have a financial relationship with a Approval Team Company) or links to websites operated by independent businesses (e.g. car dealers, lenders and credit card providers). Approval Team Company has no responsibility or liability for, or control over, those other websites, online services or businesses, their products or services, or their collection, use, disclosure or retention of your personal information. This Privacy Policy does not apply to the collection, use, disclosure and retention of your personal information by those websites, online services and independent businesses. If you have questions about how those websites, online services or independent businesses collect, use, disclose or retain personal information, please contact the owner or operator of the website, service or business.
OTHER MATTERS
(a) Disclaimers, Liability Exclusions/Limitations and Disputes:
The agreements (including any subscription agreement, membership agreement or terms of service or use) that you accept when you apply, register for, order or use Approval Team Company’s products or services contain important provisions, including provisions disclaiming, limiting or excluding the liability of Approval Team Company and other persons (including service providers) and provisions determining the applicable law and jurisdiction for the resolution of disputes. To the extent permitted by applicable law, each of those provisions applies to any dispute that may arise in relation to this Privacy Policy or Approval Team Company’s collection, use, disclosure and retention of your personal information, and are of the same force and effect as if they had been reproduced directly in this Privacy Policy. Nothing in this Privacy Policy amends any of those other agreements.
(b) Changes to this Policy:
Approval Team Company may change this Privacy Policy from time to time by posting a new version of this Privacy Policy on the Approval Team Company’s website. A Approval Team Company’s collection, use, disclosure and retention of your personal information will be governed by the version of this Privacy Policy in effect at that time. Your continued dealings with a Approval Team Company after any change to this Privacy Policy will signify your consent to the collection, use, disclosure and retention of your personal information as set out in the changed Privacy Policy. Accordingly, you should check the “Last Updated” date of this Privacy Policy (at the top of this Privacy Policy) and review any changes since the last version.
(c) English Language:
You and Approval Team Company have each expressly requested and required that this Privacy Policy and all other related documents be drawn up in the English language. Les parties conviennent et exigent expressement que cette Politique de Confidentialité et tous les documents qui s’y rapportent soient rédigés en anglais.
Your Consent
By providing APPROVAL TEAM with your personal information, you consent to the collection, use, disclosure and retention of that information by APPROVAL TEAM in accordance with this Privacy Policy and as otherwise permitted by applicable law. You may withdraw your consent at any time, subject to legal or contractual restrictions and on reasonable notice to APPROVAL TEAM, but then you might not be able to proceed with your intended interactions or transactions with APPROVAL TEAM or otherwise receive the full benefit of APPROVAL TEAM’s products and services.
Personal Information
In this Privacy Policy, “personal information” means information about an identifiable individual, such as an individual’s name and email address, but does not include (to the extent permitted by law) information that is publicly available in a telephone directory or that is business contact information that enables an individual to be contacted at a place of business.
Information That APPROVAL TEAM Collects
(d) Information You Provide
You may be asked to voluntarily give your personal information to APPROVAL TEAM when you interact, orally, in writing or by electronic transmission, with APPROVAL TEAM, including when you apply for an account or membership, subscribe to a newsletter, register to receive information, apply or register for or order a product or service offered by APPROVAL TEAM or use a product or service provided by APPROVAL TEAM. In those circumstances, you can choose not to provide certain requested personal information, but then you might not be able to proceed with your intended interaction or transaction with APPROVAL TEAM or otherwise receive the full benefit of the desired product or service. Telephone calls between you and APPROVAL TEAM will be recorded to ensure accuracy and quality assurance, and may be disclosed to third parties to verify APPROVAL TEAM is compliant with its contractual obligations to third parties. You can choose not to have the telephone call recorded, and communicate by writing or electronic transmission.
(e) Automated Collection
APPROVAL TEAM may automatically collect certain information regarding your use of APPROVAL TEAM’s website or online service, such as the dates and times that you access the website or online service, the browsers, operating systems, software and devices that you use to access the website or online service and details of your use of the website or online service.
APPROVAL TEAM’s website, online services, email messages and advertisements may use technologies (e.g. cookies, web beacons, tokens, pixels or tags) to collect information that assists APPROVAL TEAM to improve its products, services, customer communications and advertising and to prevent fraud. APPROVAL TEAM may use information that it collects through technological means to recognize you as a user of APPROVAL TEAM’s website or online services, to facilitate and improve your use of APPROVAL TEAM’s website or online services, to confirm that messages have been delivered to and opened by you and to provide you with targeted advertisements. You may choose to decline or disable cookies if your web browser or device permits, but doing so may affect your ability to access or use certain features of a website or online service. More information about cookies used for interest-based advertising is set out in section 4(c) below.
Much of the information that is automatically collected by technological means is non-personal information (because the information does not identify you), and APPROVAL TEAM will deal with that non-personal information as explained below in this Privacy Policy unless applicable law requires otherwise.
(f) Credit Reports
When you apply or register for, order or use certain products or services from APPROVAL TEAM (e.g. apply for financing or apply for pre-approval for financing), APPROVAL TEAM may obtain, and continue to periodically obtain, your credit score and related information from a credit reporting agency to process or fulfill the transaction, and to update your confidential profile for use by APPROVAL TEAM for purposes as set out in this Privacy Policy. Upon your request we will inform you if we have ordered such a report or reports, and will give you the name and address of the credit reporting agency that furnished the report or reports.
You also acknowledge and agree that any dealers or other persons or organizations to which we have disclosed your personal information in accordance with this Privacy Policy, may request a credit report for any legitimate purpose associated with your application for credit, extending credit, modifying the terms of your credit agreement, collection on your account, or similar services or products.
(g) Information Regarding Referred Transactions
If APPROVAL TEAM refers you to an independent business (e.g. a lender) for a proposed transaction (e.g. a vehicle loan), then APPROVAL TEAM may collect from that independent business information regarding the transaction to update your confidential profile for use by APPROVAL TEAM as set out in this Privacy Policy.
(h) Contacting Approval Team Company’s Chief Privacy Officer:
If you have any comments or questions about this Privacy Policy or how Approval Team Company deals with your personal information, please contact us by email at: approved@approvalteam.ca or calling 1 (855) 538-6338