HOW WE DISCLOSE YOUR PERSONAL INFORMATION

(A) GENERAL

Bad Credit Autos Company discloses your personal information for purposes relating to or arising from your relationship and transactions with the Bad Credit Autos Company and as otherwise set out in this Privacy Policy or permitted by applicable law.

(B) SPECIFIC CONSENTS

Bad Credit Autos Company may disclose your personal information in accordance with express or implied consents that you give during your interactions and transactions with the Bad Credit Autos Company.

(C) REFERRED TRANSACTIONS

If Bad Credit Autos Company refers you to an independent business (e.g. a car dealer, lender or credit card company) for a proposed transaction (e.g. a vehicle purchase, loan or credit card application), then the Bad Credit Autos Company may disclose your personal information (including your credit score that you provided to a Bad Credit Autos Company, bank account information, and related information) to the independent business to facilitate the proposed transaction. Bad Credit Autos Company has no control over, or responsibility or liability for, the use, disclosure or retention of your personal information by the independent business, and the use, disclosure and retention of the disclosed information by the independent business is not subject to this Privacy Policy.

(D) SUPPLIERS AND SERVICE PROVIDERS

Bad Credit Autos Company may disclose your personal information to its suppliers and service providers (including fraud prevention services and payment processors) to assist the Bad Credit Autos Company in the provision of information, products and services to you, to provide services to the Bad Credit Autos Company, to assist the Bad Credit Autos Company to use your personal information as set out in this Privacy Policy and as otherwise permitted by applicable law.

(E) LAW ENFORCEMENT/LEGAL DISCLOSURES

Bad Credit Autos Company may disclose your personal information as required or authorized by applicable law, including to comply with a subpoena, warrant or court or arbitral order or litigation disclosure obligation. A Bad Credit Autos Company may disclose your personal information to law enforcement agencies or other independent organizations if the Bad Credit Autos Company reasonably believes the disclosure is necessary or appropriate in connection with national security, law enforcement or other issues of public importance, or if the Bad Credit Autos Company reasonably believes the disclosure is necessary or appropriate to protect and enforce the Bad Credit Autos Company’s legal rights, interests and remedies or to protect the rights, interests, business, operations or customers of the Bad Credit Autos Company or other persons (including to detect and prevent fraud and other illegal activities, enforce any of the terms of use, terms of service or other agreements that govern access to or use of any of the Bad Credit Autos Company’s products or services). A Bad Credit Autos Company has no control over, or responsibility or liability for, the use, disclosure or retention of your personal information by the agencies, independent organizations or other persons to whom the Bad Credit Autos Company discloses the information in the foregoing circumstances, and the use, disclosure and retention of the disclosed information by those agencies, independent organizations or other persons is not subject to this Privacy Policy.

(F) BUSINESS TRANSACTIONS

Bad Credit Autos Company may disclose your personal information in connection with a proposed or actual business transaction in which the Bad Credit Autos Company is involved (such as a corporate amalgamation, reorganization, merger or acquisition, or the sale or transfer of some or all of the Bad Credit Autos Company’s business or assets), but the Bad Credit Autos Company will require the information recipient agree to protect the privacy of your personal information in a manner that is consistent with this Privacy Policy and applicable law.

 LOCATION OF PERSONAL INFORMATION

Bad Credit Autos may process, store and use your personal information at facilities located in Canada.

RETENTION OF PERSONAL INFORMATION

Bad Credit Autos retains your personal information for the period reasonably necessary for the purposes set out or referenced in this Privacy Policy and to comply with Bad Credit Autos’s legal obligations and permitted by applicable law. Bad Credit Autos will delete or dispose of your personal information when Bad Credit Autos is no longer reasonably required to retain the information for the purposes set out or referenced in this Privacy Policy.

PROTECTION OF PERSONAL INFORMATION

Bad Credit Autos uses reasonable safeguards – including administrative, physical and technical security and safeguarding measures – appropriate to the sensitivity of the personal information in Bad Credit Autos’s possession or under Bad Credit Autos’s control to help protect the information from unauthorized access, collection, use, disclosure, disposal or similar risks. Nevertheless, security risks cannot be eliminated and Bad Credit Autos cannot guarantee that your personal information will not be used, disclosed or deleted in ways not otherwise described in this Privacy Policy.

 ACCURACY & ACCESS TO PERSONAL INFORMATION

Bad Credit Autos will rely on you to ensure that your personal information that you provide to Bad Credit Autos is as accurate, complete and up to date as necessary for the purposes for which Bad Credit Autos uses the personal information. You should promptly notify Bad Credit Autos of any changes to your personal information by contacting Bad Credit Autos customer service. You may reasonably request access to your personal information collected by Bad Credit Autos and information about Bad Credit Autos’s use, disclosure and retention of that personal information by submitting a written request to Bad Credit Autos’s Operations Manager using the contact information noted below.

Subject to applicable exceptions and limitations prescribed by applicable law, you will be given reasonable access to your personal information and you will be entitled to verify the accuracy and completeness of your personal information and to have the information revised as appropriate. You may be required to pay a reasonable fee for access to your personal information. Bad Credit Autos may decline to process a request that is unreasonably repetitive, frivolous, or impracticable, that infringes or jeopardizes the privacy of other persons, or for other reasons permitted by applicable law.

NON-PERSONAL INFORMATION

Bad Credit Autos creates and collects non-personal information (information that is not about an identifiable individual), including personal information that has been aggregated or otherwise depersonalized so that the information no longer relates to an identifiable individual. Bad Credit Autos may use, disclose, transfer and retain non-personal information for any purpose and in any manner whatsoever. If non-personal information is combined with personal information, then Bad Credit Autos will treat the combined non personal information as personal information for the purposes of this Privacy Policy for as long as the non personal information is combined.

OTHER WEBSITES & BUSINESSES

Bad Credit Autos Company’s websites and correspondence (including emails and messages) may include advertisements for products and services (e.g. vehicle sales, personal loans and credit cards) offered by independent businesses (that may have a financial relationship with a Bad Credit Autos Company) or links to websites operated by independent businesses (e.g. car dealers, lenders and credit card providers). Bad Credit Autos Company has no responsibility or liability for, or control over, those other websites, online services or businesses, their products or services, or their collection, use, disclosure or retention of your personal information. This Privacy Policy does not apply to the collection, use, disclosure and retention of your personal information by those websites, online services and independent businesses. If you have questions about how those websites, online services or independent businesses collect, use, disclose or retain personal information, please contact the owner or operator of the website, service or business.

OTHER MATTERS

(A) DISCLAIMERS, LIABILITY EXCLUSIONS/LIMITATIONS AND DISPUTES:

The agreements (including any subscription agreement, membership agreement or terms of service or use) that you accept when you apply, register for, order or use Bad Credit Autos Company’s products or services contain important provisions, including provisions disclaiming, limiting or excluding the liability of Bad Credit Autos Company and other persons (including service providers) and provisions determining the applicable law and jurisdiction for the resolution of disputes. To the extent permitted by applicable law, each of those provisions applies to any dispute that may arise in relation to this Privacy Policy or Bad Credit Autos Company’s collection, use, disclosure and retention of your personal information, and are of the same force and effect as if they had been reproduced directly in this Privacy Policy. Nothing in this Privacy Policy amends any of those other agreements.

(B) CHANGES TO THIS POLICY:

Bad Credit Autos Company may change this Privacy Policy from time to time by posting a new version of this Privacy Policy on the Bad Credit Autos Company’s website. A Bad Credit Autos Company’s collection, use, disclosure and retention of your personal information will be governed by the version of this Privacy Policy in effect at that time. Your continued dealings with a Bad Credit Autos Company after any change to this Privacy Policy will signify your consent to the collection, use, disclosure and retention of your personal information as set out in the changed Privacy Policy. Accordingly, you should check the “Last Updated” date of this Privacy Policy (at the top of this Privacy Policy) and review any changes since the last version.

(C) ENGLISH LANGUAGE:

You and Bad Credit Autos Company have each expressly requested and required that this Privacy Policy and all other related documents be drawn up in the English language. Les parties conviennent et exigent expressement que cette Politique de Confidentialité et tous les documents qui s’y rapportent soient rédigés en anglais.

YOUR CONSENT

By providing Bad Credit Autos with your personal information, you consent to the collection, use, disclosure and retention of that information by Bad Credit Autos in accordance with this Privacy Policy and as otherwise permitted by applicable law. You may withdraw your consent at any time, subject to legal or contractual restrictions and on reasonable notice to Bad Credit Autos, but then you might not be able to proceed with your intended interactions or transactions with Bad Credit Autos or otherwise receive the full benefit of Bad Credit Autos’s products and services.

PERSONAL INFORMATION

In this Privacy Policy, “personal information” means information about an identifiable individual, such as an individual’s name and email address, but does not include (to the extent permitted by law) information that is publicly available in a telephone directory or that is business contact information that enables an individual to be contacted at a place of business.

INFORMATION THAT Bad Credit Autos COLLECTS

(D) INFORMATION YOU PROVIDE

You may be asked to voluntarily give your personal information to Bad Credit Autos when you interact, orally, in writing or by electronic transmission, with Bad Credit Autos, including when you apply for an account or membership, subscribe to a newsletter, register to receive information, apply or register for or order a product or service offered by Bad Credit Autos or use a product or service provided by Bad Credit Autos. In those circumstances, you can choose not to provide certain requested personal information, but then you might not be able to proceed with your intended interaction or transaction with Bad Credit Autos or otherwise receive the full benefit of the desired product or service. Telephone calls between you and Bad Credit Autos will be recorded to ensure accuracy and quality assurance, and may be disclosed to third parties to verify Bad Credit Autos is compliant with its contractual obligations to third parties. You can choose not to have the telephone call recorded, and communicate by writing or electronic transmission.

(E) AUTOMATED COLLECTION

Bad Credit Autos may automatically collect certain information regarding your use of Bad Credit Autos’s website or online service, such as the dates and times that you access the website or online service, the browsers, operating systems, software and devices that you use to access the website or online service and details of your use of the website or online service.

Bad Credit Autos’s website, online services, email messages and advertisements may use technologies (e.g. cookies, web beacons, tokens, pixels or tags) to collect information that assists Bad Credit Autos to improve its products, services, customer communications and advertising and to prevent fraud. Bad Credit Autos may use information that it collects through technological means to recognize you as a user of Bad Credit Autos’s website or online services, to facilitate and improve your use of Bad Credit Autos’s website or online services, to confirm that messages have been delivered to and opened by you and to provide you with targeted advertisements. You may choose to decline or disable cookies if your web browser or device permits, but doing so may affect your ability to access or use certain features of a website or online service. More information about cookies used for interest-based advertising is set out in section 4(c) below.

Much of the information that is automatically collected by technological means is non-personal information (because the information does not identify you), and Bad Credit Autos will deal with that non-personal information as explained below in this Privacy Policy unless applicable law requires otherwise.

(F) CREDIT REPORTS

When you apply or register for, order or use certain products or services from Bad Credit Autos (e.g. apply for financing or apply for pre-approval for financing), Bad Credit Autos may obtain, and continue to periodically obtain, your credit score and related information from a credit reporting agency to process or fulfill the transaction, and to update your confidential profile for use by Bad Credit Autos for purposes as set out in this Privacy Policy. Upon your request we will inform you if we have ordered such a report or reports, and will give you the name and address of the credit reporting agency that furnished the report or reports.

You also acknowledge and agree that any dealers or other persons or organizations to which we have disclosed your personal information in accordance with this Privacy Policy, may request a credit report for any legitimate purpose associated with your application for credit, extending credit, modifying the terms of your credit agreement, collection on your account, or similar services or products.

(G) INFORMATION REGARDING REFERRED TRANSACTIONS

If Bad Credit Autos refers you to an independent business (e.g. a lender) for a proposed transaction (e.g. a vehicle loan), then Bad Credit Autos may collect from that independent business information regarding the transaction to update your confidential profile for use by Bad Credit Autos as set out in this Privacy Policy.

(H) CONTACTING Bad Credit Autos COMPANY’S CHIEF PRIVACY OFFICER:

If you have any comments or questions about this Privacy Policy or how Bad Credit Autos Company deals with your personal information, please contact us by email at: badcreditautos1@gmail.com