Privacy Policy

Last updated: April 23, 2026

At Credit2Go Inc. (“Credit2Go”, we take the protection of your personal information very seriously. This privacy policy describes how we collect, use, disclose, and protect your information when you visit our website credit2go.ca or use our personal loan services.

We comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) of Canada, as well as all applicable provincial privacy laws.

1. Information We Collect

As part of our activity as a personal lender, we collect the following information:

1.1 Identification Information

• Full name, date of birth, gender
• Social Insurance Number (SIN)
• Photo identification (driver’s license, passport)
• Mailing address, city, province, postal code
• Phone numbers (home and mobile)
• Email address

1.2 Financial and Employment Information

• Source and amount of income
• Employer name, position, hire date
• Pay frequency, net salary, gross income
• Banking information (via Inverité — secure verification service)
• Monthly expenses (rent, utilities, car lease)
• Calculated debt-to-income ratio

1.3 Browsing Information

• IP address, browser type, operating system
• Pages visited, time spent, links clicked
• Cookies — see our Cookie Policy

2. How We Use Your Information

Your personal information is used only for the following purposes:

• Loan application assessment: identity verification, solvency analysis, debt-to-income ratio calculation
• Contract management: drafting loan contracts, disbursing funds, collecting payments
• Communication: responding to you, confirming your request, keeping you informed about your file
• Legal compliance: compliance with regulatory obligations (Financial Consumer Agency of Canada, provincial credit laws, federal 35% APR cap)
• Fraud prevention: cross-checks with credit bureaus and anti-fraud services
• Service improvement: anonymized statistical analysis

3. Consent

By submitting a loan application on our site, you expressly consent to the collection, use and disclosure of your personal information for the purposes described in this policy. You may withdraw your consent at any time, subject to legal or contractual obligations — however, withdrawal may result in the inability to provide our services.

4. Disclosure to Third Parties

We do not sell, rent, or trade your personal information. However, we may share it with:

• Credit bureaus (Equifax, TransUnion) for assessment and reporting of your history
• Inverité for secure verification of your bank account
• Financial institutions for processing payments and pre-authorized debits (PAD)
• Public authorities when required by law (Revenue Agency, courts, regulatory bodies)
• Service providers contractually bound to respect confidentiality (web hosting, email, technical support)

5. Data Retention

We retain your personal information only as long as necessary for the purposes stated in this policy, or as required by legal obligations:

• Active loan files: duration of loan + 7 years after repayment
• Declined applications: 3 years
• Accounting and tax records: 7 years (legal obligation)
• Browsing data: 2 years maximum

Upon expiration of these periods, your information is securely destroyed or irreversibly anonymized.

6. Security

We implement industry-standard security measures to protect your information:

• 256-bit SSL/TLS encryption for all data transmissions
• Secure storage on Canadian servers
• Strict access control limited to authorized personnel
• Bank verification via Inverité (read-only — no debit possible)
• Continuous monitoring and Wordfence firewall

7. Your Rights

Under PIPEDA and applicable provincial laws, you have the right to:

• Access the personal information we hold about you
• Correct any inaccurate or incomplete information
• Withdraw your consent (subject to legal or contractual obligations)
• File a complaint with the Office of the Privacy Commissioner of Canada: priv.gc.ca

To exercise these rights, contact our Privacy Officer (contact details at the bottom of this page).

8. Changes to This Policy

We may modify this policy from time to time to reflect legal, operational, or technological changes. The current version is always the one posted on this page, with the “last updated” date indicated at the top.

9. Contact Us