Privacy Policy

1. Introduction

Drive True Canada ("we," "us," "our," or the "Company") is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services to connect with automotive financing options through our network of dealership partners and lenders.

By accessing or using our services, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access our website or use our services.

2. Information We Collect

We collect information that you voluntarily provide to us when you:

• Complete our pre-approval application form
• Contact us via email, phone, or other communication channels
• Subscribe to our newsletter or marketing communications

Personal Information Collected:

• Identity Information: Full name, date of birth, government identification details
• Contact Information: Email address, phone number, residential address, postal code
• Financial Information: Employment status, income details, employer information, credit rating self-assessment
• Vehicle Preferences: Type of vehicle desired, trade-in intentions, monthly payment preferences
• Eligibility Information: Canadian citizenship/residency status, driver's license status
• Technical Data: IP address, browser type, device information, cookies, and usage data

3. How We Use Your Information

We use the information we collect for the following purposes:

• To process your auto financing pre-approval application
• To match you with appropriate dealership partners and lenders based on your financial profile
• To facilitate credit assessments and financing decisions by our partner dealerships and lenders
• To communicate with you regarding your application status and financing options
• To verify your identity and prevent fraud
• To improve our services and user experience
• To comply with legal obligations and regulatory requirements
• To send you marketing communications (with your consent)

4. Disclosure of Your Information

By submitting your application, you expressly consent to the sharing of your personal information with the following third parties:

4.1 Dealership Partners

We share your personal and financial information with our network of authorized automotive dealership partners. These dealerships use your information to assess your financing eligibility, present vehicle and financing options, and facilitate your purchase. Dealerships may contact you directly regarding available offers.

4.2 Lenders and Financial Institutions

Your information may be shared with banks, credit unions, and other financial institutions that provide auto financing. These lenders will use your information to evaluate your creditworthiness and determine financing terms.

4.3 Credit Reporting Agencies

You authorize us and our dealership partners to obtain your credit report from one or more credit reporting agencies (such as Equifax Canada and TransUnion Canada) to assess your creditworthiness and determine appropriate financing options. This may include both soft inquiries (which do not affect your credit score) and hard inquiries (which may affect your credit score) depending on the stage of your application.

4.4 Service Providers

We may share your information with third-party service providers who assist us in operating our website, conducting our business, or servicing you, including email service providers, SMS verification services, and data analytics providers.

4.5 Legal Requirements

We may disclose your information when required by law, court order, or government regulation, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.

5. Credit Checks and Authorization

By submitting an application through our website, you provide express written consent and authorization for:

• Drive True Canada and its authorized dealership partners to access your credit report and credit score
• Multiple lenders to perform credit inquiries as part of the financing approval process
• The sharing of your credit information among our network partners for the purpose of securing competitive financing rates
• Dealerships to use your credit information to determine vehicle eligibility and financing terms

You understand that submitting an application may result in multiple credit inquiries, which could impact your credit score. We recommend reviewing your credit report regularly to ensure accuracy.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. This includes retaining information for legal compliance, dispute resolution, and enforcement of our agreements. Dealership partners and lenders may have their own data retention policies.

7. Your Privacy Rights

Under Canadian privacy law (PIPEDA), you have the right to:

• Access: Request access to your personal information we hold
• Correction: Request correction of inaccurate or incomplete information
• Withdrawal of Consent: Withdraw your consent to the processing of your personal information (subject to legal or contractual restrictions)
• Complaint: Lodge a complaint with the Office of the Privacy Commissioner of Canada

Please note that once your information has been shared with dealership partners and lenders, you must contact them directly regarding their use and retention of your information.

8. Cookies and Tracking Technologies

We use cookies, pixels, and similar tracking technologies to collect information about your browsing activities on our website. This includes analytics tools to understand how visitors use our site and marketing tools to measure the effectiveness of our advertising campaigns. You can control cookie settings through your browser preferences.

9. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. This includes SSL encryption for data transmission. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

10. Limitation of Liability

Drive True Canada acts as a referral service connecting consumers with dealership partners and lenders. We are not responsible for the privacy practices, actions, or policies of our dealership partners, lenders, or any third parties. Once your information is shared with these entities, their respective privacy policies govern the use of your information.

We do not guarantee approval for any financing, and all credit decisions are made solely by the dealerships and lenders. We are not liable for any decisions made by these third parties regarding your application.

11. Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

12. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors. If you are under 18, please do not submit any personal information through our website.

13. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time without prior notice. Changes will be effective immediately upon posting to this page. Your continued use of our services after any changes constitutes acceptance of the revised Privacy Policy. We encourage you to review this page periodically.

14. Governing Law

This Privacy Policy is governed by and construed in accordance with the laws of the Province of British Columbia and the federal laws of Canada applicable therein, without regard to conflict of law principles.

15. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us at: www.drivetruecanada.com