(Last Updated January 2019)
|OTHER PROVINCES||Toll-Free: 1 866 899 3175|
3200 - 650 West Georgia Street
Vancouver, BC V6B 4P7
For information about how to request access to, or dispute the accuracy of, your personal information in our files, please visit our website or contact us as described above.
(Last Updated January 2019)
We may collect and use the following types of information from those who use the Site and the Services:
We may combine information you provide us with other information about you that we obtain from your past use of the Site and Services, from our business partners, and from other companies. We may access other information about you collected from third parties, such as social media and marketing companies. We will treat any non-personal information that is combined with personal information as if it were all personal information.
If you call us, we may record and retain the recording to ensure the accuracy of our discussions and for quality control and record keeping purposes.
We may use video surveillance in and around our walk-in locations for the safety of our customers and employees, and to protect against theft, property damage and fraud.
Consumer Credit Reports: Consumer credit reports may contain the following personal information:
We limit our use of personal information to those purposes which have been disclosed to the individual by us or our customers and for which appropriate consents have been obtained, or for purposes which are otherwise permitted by law. In connection with our credit reporting services, we do not have direct relationships with individual consumers or principals. Accordingly, we require our credit-granting and other customers to inform individuals of the purposes for which they are providing personal information to Credique LLC, or accessing personal information from Credique LLC, and to obtain appropriate consent at the time the information is collected from the individual and/or prior to its use or disclosure by Credique LLC. We also require our customers to limit the use of personal information obtained from Credique LLC to purposes that are permitted by law.
Credique LLC uses and discloses personal information in the following circumstances:
In addition, we may provide anonymous information (i.e., information that does not identify individual consumers or principals) in the form of aggregate or demographic data to our clients or service providers. We may also generate and use anonymous information to develop, enhance or validate our products, processes or services. Personal information will necessarily be used to generate anonymous information and, when required, to research, validate and test the use of anonymous information in such processes, products, services and enhancements.
We also provide a suite of authentication services to assist our customers in identifying potentially fraudulent transactions. In the course of providing these services, we may use personal information contained in our credit files to see if it matches the information that has been provided by an applicant, typically to credit granting institutions or merchants. When we provide our authentication services, we typically do not disclose credit information; instead we use the consumer’s credit file to check the information internally. While preventing fraud is in everybody’s best interest, these services may directly benefit consumers if someone is attempting to pose as the consumer by misappropriating the consumer’s identity and personal credit information.
We are the sole owners of information collected from visitors on this Site. We will not sell or rent your information to third parties. We use information collected from you or about you, including personal information, for the following purposes:
All information collected from visitors of the Site belongs to us, whether or not such information is personal information, information you volunteer, or information passively collected about you. As such, such information may be subject to transfer to a new owner in the event of our bankruptcy, sale, or liquidation.
We may share personal information and other information that we collect as follows:
We may store personal information in locations outside of our direct control; for instance, on servers or databases where the hosting provider is located. Additionally, we may share or sell aggregate information about our visitors that does not personally identify individuals with our partners, affiliates, advertisers, and other third parties without restriction. This information may include personal information that we have changed so that individuals are no longer personally identifiable. We may also share this information with third parties in order to analyze visitor data, activities, and usage of the Site or Services in order to make improvements to the Site, Services, and experiences of our visitors.
If you choose to participate in any promotions or similar events through the Site or Services, the rules or terms and conditions for such events may change the way we share your information with third parties. Please review the applicable rules or terms and conditions for all such events in which you participate.
As your privacy is important to us, we provide you with the following procedure(s) for opting out of future communications from us:
When users visit our Website, our web server offers the user's browser a per-session cookie. As the Website is navigated, this cookie is read back to our web server, allowing us to generate an anonymous "click trail" profile of the visit. From the aggregated information about visits, Credique LLC learns how visitors interact with its Website, how the Website design and content can be improved, and how visitors' experiences can be improved.
Credique LLC does not link, share or associate the contents of the per-session cookie with any other information in a way that would enable the identification of visitors to our Website. Nor do we track or link together multiple visits by any single user over time. Our per-session cookies cannot be "read" by any other web servers, so users cannot be tracked or profiled using Credique LLC’s cookies if they visit multiple sites on the Internet.
Some browsers can be set to reject all cookies. If a user chooses to modify a browser in this manner, some pages of our Website may not function properly.
You are responsible for keeping any personal information you provide on the Site current. Please email us at firstname.lastname@example.org to request access to view, correct, or delete information you have provided to us. We will make reasonable efforts to comply with your requests, if possible. If you provided personal information in connection with a specific Service we provide, you may have to update or delete that information by returning to that Service page. Any requests to delete your information are subject to our internal reporting and retention policies as well as any legal obligations that we may have. You can also update or delete some or all of your personal information in your account by signing in, visiting your account page, and configuring the relevant settings.
We take the security of your information seriously and have electronic, physical, and administrative safeguards in place that comply with federal regulations for your protection. These security measures seek to protect your information both online and offline from disclosure, alteration, or unauthorized use. However, please keep in mind that no transmission of data over the internet is guaranteed to be completely secure. Third parties may be able to access private communications illegally; for instance, through the use of hacking and viruses. As such, all information you transmit on the Site or Services is at your own risk. We are not responsible for instances where third parties circumvent our security measures without authorization, illegally or otherwise.
The information you submit to us is encrypted using Secure Sockets Layer (SSL) data encryption technology and is transmitted securely. You may verify this by locating "https" at the beginning of the address of the webpage or an icon of a closed lock in your browser. The computers and servers we use are also kept in a secure environment behind firewalls. We limit access to your information to those people that need to view it to perform necessary support tasks, including fulfilling your requests. We also require you to create a unique password to help secure your account. It is your responsibility to maintain the secrecy of your password and other login information. We will promptly notify you in the event that personal information becomes compromised according to our notification procedures outlined below or as otherwise required by applicable law. In addition, Rijndael will be used for sensitive user data.
Unique Internet Protocol (IP) addresses are assigned to all Internet users by their Internet Service Providers (ISPs). IP addresses do not directly identify Internet users; however, through an ISP, an IP address may be linked to a particular user.
During a visit to a website, certain information about a user's traffic patterns, linked with the user's IP address, is passively and automatically collected in the normal course of establishing and maintaining a website connection. This information is logged by the web server of the website that is visited.
The following information is logged by Credique LLC’s web servers during visits to our Website: IP addresses, type of operating system, time and duration of visit, web pages visited and browser type. We do not link server log information to any other information in a way that would enable the identification of visitors to our Website. Server log information is analyzed by us in order to improve our Website and to customize the Website for users. In addition, from time to time, server logs may be reviewed for security purposes; for example, to detect unauthorized activity on our Website. In such cases, server log data, containing IP addresses, would be shared with law enforcement bodies in order that they may identify users in connection with their investigation of the unauthorized activities.
Your personal information may be processed and transferred to countries other than your own, including, but not limited to, any country in which we operate. Some of these countries may have different laws and practices regarding data protection than your country. By using the Site, you agree to such cross-border transfers of your personal information.
Please contact our Consumer Relations Centre using the contact information below. Our Consumer Relations Centre is staffed by trained personnel who can assist with your inquiries. You may also direct your inquiry to our Chief Technology Officer. We may require that you put any request for access or correction in writing.