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Privacy Policy

Privacy Disclaimer

By submitting your personal information through this website, by phone, or through any other method, you consent to the collection, use, disclosure, and storage of your information as outlined in this Privacy Policy.

You also authorize CFC Auto Finance to conduct a hard credit inquiry through Equifax and to share your information with third-party lenders and dealerships in connection with obtaining vehicle financing or leasing.

Use of this site or our services indicates your full understanding and agreement with this Privacy Policy.

Privacy Policy - The Basics 

Effective Date: 07/10/20

CFC Auto Finance (“we”, “our”, or “us”) is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and protect your information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and other applicable Canadian privacy laws.

1. INFORMATION WE COLLECT

We may collect the following personal and financial information from you when you apply online, by phone, or otherwise interact with our services:

  • Full name, address, phone number, and email address

  • Date of birth and government-issued identification (e.g., driver’s license)

  • Employment status, employer information, income details, and paystubs

  • Social Insurance Number (SIN) (optional but may be required for credit verification)

  • Credit report data from Equifax

  • Vehicle details (if refinancing or leasing)

  • IP address and website usage data (when visiting our website)

2. HOW WE USE YOUR INFORMATION

Your personal and financial information is used to:

  • Assess your eligibility for financing or leasing services

  • Conduct credit checks through Equifax

  • Verify your identity and income

  • Share with third-party lenders, dealerships, or financial partners

  • Prevent fraud and meet legal compliance requirements

  • Provide customer support or follow up on your inquiry

  • Improve our website and service offerings

3. CONSENT TO CREDIT CHECK

By applying through our website or over the phone, you provide explicit consent for CFC Auto Finance to perform a hard credit inquiry via Equifax. This may affect your credit score.

You also authorize the sharing of your personal and credit information with affiliated third-party lenders and dealerships for the purpose of evaluating your creditworthiness and completing a financing or leasing transaction.

4. INFORMATION SHARING

We do not sell your personal information. However, we may share your information with:

  • Licensed lenders and financial institutions

  • Authorized auto dealerships

  • Credit bureaus (e.g., Equifax)

  • Third-party service providers (e.g., document storage or email communication systems)

  • Government and regulatory bodies (such as AMVIC), if legally required

All third parties are expected to protect your information in accordance with Canadian privacy laws.

5. SECURITY OF YOUR INFORMATION

We take reasonable precautions to safeguard your information using:

  • SSL encryption on our website

  • Access controls and authentication protocols

  • Secure internal storage systems

Despite these efforts, no system is 100% secure. By using our services, you acknowledge this risk.

6. RETENTION OF INFORMATION

We retain your information only as long as necessary to fulfill the purpose it was collected for, or as required by law. This includes regulatory, legal, accounting, or reporting obligations.

7. YOUR RIGHTS UNDER PIPEDA

As a Canadian resident, you have the right to:

  • Access the personal information we hold about you

  • Request corrections to inaccurate or incomplete information

  • Withdraw your consent (subject to legal or contractual obligations)

  • Request that we delete your data, where applicable

To exercise these rights, contact us directly using the details below.

8. USE OF COOKIES AND WEBSITE TRACKING

Our website may use cookies or tracking tools (e.g., Google Analytics, Facebook Pixel) to monitor website performance and user experience. This data does not identify you personally and is used to improve our services.

You may disable cookies through your browser settings, but this may affect the functionality of our website.

9. MINORS

We do not knowingly collect or process personal information from individuals under the age of 18. If we discover that a minor has submitted information, it will be deleted promptly.

10. CHANGES TO THIS PRIVACY POLICY

We reserve the right to modify this Privacy Policy at any time. Updates will be posted on this page with a revised "Effective Date."

We encourage you to review this policy periodically.

Contact Information

CFC Auto Finance
Head office: Edmonton, AB
Phone: (587) 849-0017
Email: team@creditfixcars.ca

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