Privacy Notice
Thank you for choosing to be apart of our community at Open Credit. (" Company ", "we", "us", or "our"). We are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about our policy, or our practices with regards to your personal information, please contact us at "email".
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When you visit our website "address", and use our services, you trust us with your personal information. We take your privacy very seriously. In this privacy notice, we describe our privacy policy. We seek to explain to you in the clearest way possible. We hope you take some time to read through it carefully, as it is important. If there are any terms in this privacy policy that you do not agree with, please discontinue use of our sites and our services.
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This privacy policy applies to all information collected through our website (such as "address") , and/or any related services, marketing or events (we refer to them collectively in this privacy policy as the "sites").
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Please read this privacy policy carefully as it will help you make informed decisions about sharing your personal information with us.
Table of Contents
1. WHAT INFORMATION DO WE COLLECT
Personal information you disclose to us
In Short: We collect personal information that you provide to us such as name, address, contact information, passwords and security data, and payment information.
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We collect personal information that you voluntarily provide to us when expressing an interest in obtaining information about us or our products and services, when participating in activities on the Sites or otherwise contacting us.
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The personal information that we collect depends on the context of your interactions with us and the Sites, the choices you make and the products and features you use. The personal information we collect can include the following:
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Name and Contact Data. We collect your first and last name, email address, postal address, phone number, and other similar contact data.
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Credentials. We collect passwords, password hints, and similar security information used for authentication and account access.
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Payment Data. We collect data necessary to process your payment if you make purchases, such as your payment instrument number (such as a credit card number), and the security code associated with your payment instrument. All payment data is stored by our payment processor and you should review its privacy policies and contact the payment processor directly to respond to your questions.
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All personal information that you provide to us must be true, complete and accurate, and you must notify us of any changes to such personal information.
Information collected from other sources
In Short: We may collect limited data from public databases, marketing partners, and other outside soruces.
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We may obtain information about you from other sources, such as public databases, join marketing partners, as well as from other third parties. Examples of the information we receive from other sources include: social media profile information; marketing leads and search results and links, including paid listings (such as sponsored linkes).​​
2. HOW DO WE USE YOUR INFORMATION?
In Short: We process your information for purposes based on legitimate business interest, the fulfillment of our contract with you, compliance with our legal obligations, and/or your consent.
We use personal information collected via our Sites for a variety of business purposes described below. We process your personal information for these purposes in reliance on our legitimate business interest ("Business Purposes"), in order to enter into a perform a contract with you ("Contractual"), with your consent ("Consent"), and/or for compliance with our legal obligations ("Legal Reasons"). We indicate the specific processing grounds we rely on next to each purpose listed below.
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We use the information we collect or receive to:
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Send Marketing and Promotional Communications: We and/or our third-party marketing partners may use the personal information you provide to us for our marketing purposes, in accordance with your marketing preferences. You can opt-out of our marketing communications at any time (see the "WHAT ARE YOUR PRIVACY RIGHTS" below).
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Deliver Targeted Advertising: We may use your information to develop and display content and advertising tailored to your interests and/or location and to measure its effectiveness.
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Request Feedback: We may use your information to request feedback and to contact you about your use of our Sites.
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Other Business Purposes: We may use your information for other business purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns, and evaluating and improving our Sites, products, services, marketing, and your experience.
3. WILL YOUR INFORMATION BE SHARED WITH ANYONE?
In Short: We only share information with your consent, to comply with laws, to protect your rights, or to fulfill business obligations.
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We only share and disclose your information in the following situations:
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Business Transfers: In the event of a merger, acquisition, reorganization, sale of assets, or bankruptcy, your information may be transferred to a successor entity or third party. If such a change occurs, we will ensure that your personal information continues to be treated in accordance with this Privacy Policy.
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Legal Obligations: We may disclose your information when required to do so by law or in response to valid legal requests by public authorities, including to meet national security or law enforcement requirements under Canadian law.
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Vital Interests and Legal Rights. We may disclose your information where we believe it is necessary to investigate, prevent or take action regarding potential violations of our policies, suspected fraud, situations involving potential threats to the safety of any person and illegal activities, or as evidence in litigation in which we are involved.
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With Your Consent: We may share your personal information for any other purpose with your express consent.
4. HOW LONG DO WE KEEP YOUR INFORMATION?
In Short: We keep your information for as long as necessary to fulfill the purposes outlined in this privacy policy unless otherwise required by law.
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​We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy policy, unless a longer retention period is required or permitted by law (such as tax, accounting or other legal requirements). No purpose in this policy will require us keeping your personal information for longer than 1 year.
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When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize it, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.
5. HOW DO WE KEEP YOUR INFORMATION SAFE?
In Short: We aim to protect your personal information through a system of organizational and technical security measures.
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We have implemented appropriate technical and organizational security measures​ designed to protect the security of any personal information we process. However, please also remember that we cannot guarantee that the internet itself is 100% secure. Although we will do our best to protect your personal information, transmission of personal information to and from our Sites is at your own risk. You should only access the services within a secure environment.
6. DO WE COLLECT INFORMATION FROM MINORS?
In Short: We do not knowingly collect data from or market to children under 18 years of age.
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We does not knowingly collect personal information from individuals under the age of 18. Our services are intended for use by adults residing in Canada. If we become aware that we have collected information from a minor without verified parental consent, we will take steps to delete such data promptly. If you believe we may have collected data from a minor, please contact us at [your contact email].
7. WHAT ARE YOUR PRIVACY RIGHTS?
In Short: You may review, change, or terminate your account at any time.​
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If you are a resident in the European Economic Area and you believe we are unlawfully processing your personal information, you also have the right to complain to your local data protection supervisory authority. You can find their contact details here: https://commission.europa.eu/strategy/justice-and-fundamental-rights/data-protection_en
8. DO WE MAKE UPDATES TO THIS POLICY?
In Short: ​Yes, we will update this policy as necessary to stay compliant with relevant laws.
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We may update this privacy policy from time to time. The updated version will be indicated by an updated "Revised" date and the updated version will be effective as soon as it is accessible. If we make material changes to this privacy policy, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this privacy policy frequently to be informed of how we are protecting your information.