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NOVA SCOTIA CAR FINANCING PRIVACY POLICY - CAR LOANS

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Nova Scotia Car Financing Privacy Policy 
The following statement discloses the privacy practices of Nova Scotia Car Financing. Because Nova Scotia Car Financing wants to demonstrate its commitment to consumer privacy, we have agreed to disclose our information and security practices. 


Nova Scotia Car Financing Safeguard Policy
Nova Scotia Car Financing complies with all government regulations in an effort to guard your personal data from misuse. We undertake physical, electronic and procedural steps to ensure your data is safe, and is only used for the purposes outlined in our privacy policy and loan application. 

Acceptance of Nova Scotia Car Financing Privacy Policy
By using Nova Scotia Car Financing’s services or web sites, you signify your agreement to the terms and conditions of Nova Scotia Car Financing’s Privacy Policy. If you do not consent to these terms and conditions, are not a Canadian resident, or are under 18 years of age, please do not use the site or Nova Scotia Car Financing
 services. 

When you just visit one of our sites:
We use IP addresses to analyze trends, administer the site, track user’s movement, and gather broad demographic information. IP addresses and cookies are not linked to personally identifiable information. 

When you provide us with information:
You opt in: 
1) Consent to contact: We ask for consent to follow up with visitors regarding their application or partially completed application.
2) Consent to seek loan approval: We ask for permission to pull credit reports and search for an auto loan approval with banks on our customer’s behalf.

We use this information to evaluate your applications, locate an appropriate lender, provide you with high quality service, prevent fraud and, with your consent, inform you of offers for other Nova Scotia Car Financing
 services offered by third parties. We may also use this information to confirm your identity when you call us to inquire about your accounts. We also ask for information from our visitors at other locations on our web site. This is considered consensually given information and subject to the conditions of this privacy policy. 

Sharing Information
Nova Scotia Car Financing may disclose information about you to the following types of third parties: Nova Scotia Car Financing affiliates; service companies (companies that provide services to Nova Scotia Car Financing in order to process your application); financial institutions, and credit bureaus, collection agencies. Your information is disclosed to the foregoing entities solely for the getting a loan that meets your criteria. Outlined below is the information shared with each type of third party and as appropriate, your options. 

• Sharing Information with Service Companies -- In order to provide quality service, Nova Scotia Car Financing
 contracts with service providers for essential roles in processing your application. We may disclose some or all of the information we collect to these service providers but only in order to obtain credit for you. All of Nova Scotia Car Financing‘s service providers have entered into a contract with Nova Scotia Car Financing that forbids them from using information provided by Nova Scotia Car Financing for any purpose other than providing the service for Nova Scotia Car Financing customers. Nova Scotia Car Financing takes security precautions to monitor the use of the information and prevent the use of the information for any other purpose.

• Information Sharing With Merchants -- Nova Scotia Car Financing does not share any information with unrelated merchants for the purpose of extending offers of goods and services without your consent.

• Information Sharing with Partners -- Nova Scotia Car Financing offers its products in conjunction with financial institutions and other businesses (collectively, Nova Scotia Car Financing Partners). By completing a credit application with Nova Scotia Car Financing for the purpose of locating a loan that meets your criteria, you agree to the sharing of information with that partner. These relationships are clearly stated in the application and by completing the application you agree to the information sharing by Nova Scotia Car Financing and the partner which may include: your name, address, phone number, e-mail address, and personal financial information.

• Credit Reports and Other Uses of Information -- In applying for credit, you agree that we may request consumer credit reports from one or more credit reporting agencies in connection with your application and the administration of such application. You also authorize us to exchange credit information concerning you or your use of the Account with (and answer questions and requests from) others, such as merchants, other lenders and credit reporting agencies.

• Nova Scotia Car Financing does not knowingly offer its products and services to minors. Similarly, Nova Scotia Car Financing does not collect information about children.

Access to Account Information and Correction of Error Questions

Nova Scotia Car Financing is committed to customer service and privacy. If you have any questions, comments or concerns regarding our Privacy Policy and its implementation, please do not hesitate to contact us

Nova Scotia Car Financing offers you a vehicle regardless of Credit History.

 

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