Privacy Policy

Information We Collect

When you use Vancouver Payday Loans, we may collect the following types of information:

• Personal identification: Name, email address, phone number, and date of birth.
• Financial information: Employment status, income, bank account details, and credit history (if you consent to a credit check).
• Device and usage data: IP address, browser type, pages visited, and time spent on our site.
• Communication records: Messages, inquiries, and feedback you send to us.

We collect this information only when you voluntarily provide it through our referral forms, contact us directly, or when you interact with our website.

How We Use Your Information

Vancouver Payday Loans uses your information for the following purposes:

• To connect you with licensed lenders who may offer payday loan products suited to your situation.
• To process and manage your referral request.
• To communicate with you about your application status or to answer your questions.
• To improve our website, services, and user experience.
• To comply with applicable laws and regulations in British Columbia and Canada.
• To prevent fraud and protect the security of our platform.

We do not sell your personal information to third parties for marketing purposes. Your data is shared only with licensed lenders you have agreed to be referred to, and only to the extent necessary to process your loan request.

Information Sharing and Third Parties

As a referral service, Vancouver Payday Loans shares your information with partner lenders who are licensed and regulated in British Columbia. These lenders are bound by their own privacy obligations and must handle your data responsibly.

We may also disclose your information when required by law, such as to comply with court orders, regulatory requests, or to enforce our Terms of Service.

We do not share your information with unaffiliated third parties except as described in this policy or with your explicit consent.

Data Security

Vancouver Payday Loans takes data security seriously. We use industry-standard encryption (SSL/TLS) to protect your information during transmission. Our systems are designed to prevent unauthorized access, alteration, or disclosure of your personal data.

However, no online platform is completely secure. While we implement robust safeguards, we cannot guarantee absolute security. You are responsible for keeping your login credentials confidential.

Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your experience, remember your preferences, and analyze site usage. These tools help us understand how visitors interact with Vancouver Payday Loans and allow us to improve our service.

You can control cookie settings through your browser. Disabling cookies may limit some features of our website.

Your Privacy Rights

Under British Columbia's Personal Information Protection Act (PIPA) and Canada's Personal Information Protection and Electronic Documents Act (PIPEDA), you have the right to:

• Access your personal information held by us.
• Request correction of inaccurate or incomplete data.
• Request deletion of your information (subject to legal retention requirements).
• Withdraw consent for data collection and use.
• Lodge a complaint with the Office of the Information and Privacy Commissioner for British Columbia (OIPC).

To exercise any of these rights, please contact us using the information provided at the end of this policy.

Retention of Information

Vancouver Payday Loans retains your personal information only as long as necessary to fulfill the purposes outlined in this policy or as required by law. Once your referral process is complete and any legal retention periods have passed, we securely delete or anonymize your data.

Lenders you are referred to may retain your information according to their own privacy policies and applicable regulations.

Children's Privacy

Vancouver Payday Loans is not intended for individuals under 18 years of age. We do not knowingly collect personal information from minors. If we become aware that we have collected information from a child, we will take steps to delete such data promptly.

Links to External Websites

Our website may contain links to external websites operated by lenders, financial institutions, or other third parties. This privacy policy applies only to Vancouver Payday Loans. We are not responsible for the privacy practices of linked sites. We encourage you to review the privacy policies of any external websites before providing your information.

Changes to This Privacy Policy

Vancouver Payday Loans may update this privacy policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of material changes by posting the updated policy on this page and updating the "last modified" date. Your continued use of our website following such changes constitutes your acceptance of the updated policy.

Contact Us

If you have questions, concerns, or requests regarding this privacy policy or our privacy practices, please contact us:

Vancouver Payday Loans
Email: [email protected]
Phone: Available during business hours
Mailing Address: Vancouver, British Columbia, Canada

If you are not satisfied with our response to a privacy concern, you may contact the Office of the Information and Privacy Commissioner for British Columbia (OIPC) at oipc.bc.ca.

Last Updated: This policy was last reviewed and updated by Callum Whitmore. For information about how we evaluate lenders and our referral process, please see our How We Rate page.