AdvanceIt Privacy Policy
AdvanceIt is one of
Scope and Definitions
This notice describes the privacy practices of AdvanceIt Corporation and its affiliates
"We" and "us" means AdvanceIt and any of our respective agents and service providers.
Personal Information Collection, Protection, Use, Sharing, and Retention
We collect, protect, use, share, and retain personal information to:
a. evaluate, monitor, maintain, service, and collect any account you may have with us, including disclosing or exchanging Personal Information with credit reporting agencies, to develop our relationship with you, and to offer financial products and services, including evaluating the needs, wants, and satisfaction levels of our customers and analyzing and managing our business;
b. administer services, monitor your purchases, transactions, payments, and evaluate your credit eligibility, for the purposes set out in this notice;
c. verify your identity (or that of any authorized user or co-applicant) concerning the account and maintain security measures aimed at the detection and prevention of fraudulent activity in relation to your account;
d. comply with legal and regulatory requirements;
e. promote and market products and services offered by AdvanceIt, which are directly related to the account (such as balance transfers and alternative payment methods), including by means of direct marketing.
You may ask to be suppressed under (e) and/or (f) at any time after your account has been opened by calling AdvanceIt at 1-866-849-9412 or by writing to us at AdvanceIt, 685 Cathcart St., Suite 501, Montreal, Quebec, H3B 1M7. In accordance with your request, and within 5 business days, we will suppress you from direct mail marketing and telemarketing for products and services offered by AdvanceIt. Please allow 90 days for full effect as marketing campaigns may already be in process. However, if your request is made within the first 30 days of your account's opening, we will not share your name for use in any secondary marketing campaign. This will not limit information we may provide to you in statements or when you contact us.
Additional Detail: Consent
In your application for merchant and financial products or services we are providing to you we obtained your consent for personal information collection, protection, use, sharing, and retention as set forth in (a) through (f) above. Subject to legal and contractual restrictions, you may withdraw your consent at any time after your account has been opened with reasonable notice. This will not limit information we may provide to you in statements or when you contact us. If you refuse or withdraw your consent for any purpose required to provide our financial product or service to you, we will no longer be able to provide that product or service to you. You understand that if you withdraw your consent at any time to the monitoring of your credit status or your ongoing eligibility for credit, AdvanceIt may no longer be able to maintain your credit account.
Additional Detail: Personal Information Collection and General Account of Use
We collect personal information about you and use it for the purposes described above. Our objective when collecting and using personal information is to improve the relationship we have with you; provide you with products and services that you will value; reduce the cost associated with maintaining your (and others') accounts so that we may continue to provide you with a fairly priced product; reduce unwanted or inappropriate marketing; and protect you from unauthorized access to and use of your account or personal information. If you provide your Social Insurance Number, we will only use it to match credit reporting agency information and for security verification and account maintenance purposes.
The following table describes the type of personal information we collect and provides a general account of how we use it.
Source
|
Type of Personal Information
|
General Use
|
|
AdvanceIt Customer Base |
Personally identifiable data including name and address and possibly including telephone numbers, e-mail address, language preference or additional information that may be contained in customer files |
Account information, Marketing & Promotions |
|
Information we receive from you through applications, correspondence or other communications |
Name, postal address, telephone number, e-mail address, language preference and other information you may choose to provide us |
Identification, security, verification, and communication |
|
Birth date, employer, occupation, and other information you may choose to provide us |
Security, verification, and to comply with law |
|
|
Social Insurance Number ("SIN") |
Providing SIN is optional for credit products. If you provide SIN, we will use it to match credit reporting agency information, security verification, and account maintenance purposes |
|
|
Credit Card Number and Signature |
Payment back-up for repeated NSFs |
|
|
Information we receive from third parties, such as credit reporting agencies, financial institutions, or employers you have reported to us |
Credit reports |
Determine your credit eligibility |
|
Employment status |
Determine your ability and stability to repay credit obligations |
|
|
Banking relationship |
Verify statements you have made to us regarding your employment, credit or other financial relationships |
|
|
Information about your transactions with AdvanceIt |
Payment, delinquency, and charge off history Purchase and transaction history |
Determine your eligibility for credit and to evaluate, monitor, maintain, service, and collect the account(s); to develop our relationship with you, and to offer you products and services |
Additional Detail: Personal Information Shared and General Account of Use
The following table describes the type of personal information we share and provides a general account of how it may be used.
Companies with
Whom AdvanceIt Shares Information
|
Type of
|
General Use
|
|
Third Party Credit Card Service Providers including payment network providers and leasing company |
Personal information as set forth above for the purpose of fulfilling our obligations related to the account |
Maintaining and servicing your account, processing payments, charges, and transactions, statement printing, data processing, market research, legal, financial, and professional advisors, loyalty, points, and rewards programs |
|
Name, postal address, language preference and, where required, telephone number and/or e-mail address |
Marketing of additional products and services |
|
|
Credit reporting agencies |
Name, postal address, date of birth, social insurance number (if provided), account number, credit line, open date, payment, delinquency, charge off history and, where applicable, reason for account closure |
Preparing credit reports |
Our Security Procedures Protect Your Personal Information
We work hard to keep personal information secure. For example, our information security policies:
- Govern retention of information;
- Restrict access to information systems; and
- Specify password requirements.
Further, we share only the personal information we believe is needed to offer a product or service efficiently. Finally, we restrict the use of such personal information and require that it be kept secure.
Access Requests
To request access to your personal information in our possession, complete a personal information request form or write to us at: AdvanceIt, 685 Cathcart Suite 501,
Internet Privacy Practices
Web Site Privacy
The AdvanceIt Web servers automatically recognize and record the domain name from which you access the Internet, the corresponding Internet Protocol ("IP") address, and the names of the pages you visit while at a AdvanceIt Web site. This information is not personally identifiable and is used to improve the content of AdvanceIt Web sites and make them more useful. The AdvanceIt Web servers do not collect e-mail address(es) without your consent. AdvanceIt may ask you to provide us with your e-mail address at several points, including on applications, in correspondence or communications with you.
Use of Your E-mail Address
Currently, we do not share any e-mail address you provide to us with our endorsing organizations or other companies to market their products or services. We use both AdvanceIt servers and servers of other companies ("service providers") to deliver and report on the progress of e-mail programs and to maintain service and fulfill products and services. When AdvanceIt uses a service provider, we prohibit them from using your e-mail address for any other purpose.
With your consent, we may periodically send you marketing offers at the e-mail address(es) you provide, that may be of interest to you. With each such marketing e-mail message you will have the opportunity to opt-out of receiving future marketing offers at that e-mail address. If you are an account holder, we reserve the right to use the e-mail address(es) you provide to present you with information about your account. This may include, but is not limited to, activating your account(s), account past due notices, rates available, and adding an authorized user.
We will track the activity of an e-mail (for example, were graphics viewed, was the e-mail opened, were links in the e-mail clicked), to allow us to measure the effectiveness of the e-mail, to provide future offers, and for fulfillment of products and services. Additionally, for your convenience, we may pre-fill online forms with your e-mail address.
Internet Security
AdvanceIt will not disclose or request sensitive information in an unencrypted e-mail (for example, full account number, social insurance number, personal identification number (PIN), or security passwords). If you receive an e-mail purportedly from AdvanceIt containing or asking for this type of sensitive information, prior to responding, please contact AdvanceIt Customer Satisfaction at 1-866-889-9412 x 315.
Use of Cookies
Some AdvanceIt Web sites may use a feature of your Internet browser called a cookie. Cookies are files placed within your browser on your computer's hard drive by a Web site server. AdvanceIt Web sites may use cookies to facilitate your Internet sessions, to maintain security, and to improve our Web sites. For example, AdvanceIt may use cookies to verify your identity, remember your personal settings such as your offer preferences, and to monitor your use of AdvanceIt Web sites to improve our services. We do not use cookies to collect data from your hard drive including your e-mail address or other personal information. If you choose not to enable cookies on your browser, you may not be able to use some of the services offered on AdvanceIt ‘s Web sites.
To Further Protect Your Privacy
While exploring the services offered through AdvanceIt’sWeb sites, please be aware that other online retailers, partners, third party Internet sites, and third party services accessible through AdvanceIt’s Web sites, have separate privacy and data collection policies and practices, which are independent of and may be different from AdvanceIt policies and practices. AdvanceIt is not responsible or liable for these independent policies and practices and it is your responsibility to review them and decide whether or not they satisfactorily protect your rights.
We may amend these Internet Privacy Practices at any time, and when such a change is made we will post a revised version on this AdvanceIt Web site. Changes will be effective when they are posted. It is your responsibility to review these Internet Privacy Practices from time to time to be aware of any such changes. Your continued use of this AdvanceIt Web site indicates your agreement to any such changes.
Updates and Additional Information
This notice replaces any previous notices from AdvanceIt about personal information collection, protection, use, sharing, retention, and Internet privacy practices. We may amend this privacy notice at any time without notice.
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