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We collect and use several types of information from and about you, including:
We collect and process Personal Information, which are defined as any information about an identifiable individual, which includes information that can be used on its own or with other information to identify, contact, or locate a single person (e.g., contact information, account numbers, or details such as age, marital status, business, and financial information) ("Personal Information"). Personal Information may include sensitive data such as Social Insurance Numbers. For sensitive Personal Information, we require explicit consent and process such information only when necessary for specific purposes such as identity verification, credit assessment, or legal compliance. We implement additional safeguards to protect sensitive personal information in accordance with PIPEDA and applicable privacy regulations.
Non-personal information, that does not directly or indirectly reveal your identity or directly relate to an identifiable individual, such as associations, distances, comparison between available data sources, demographic information, or statistical or aggregated information. Statistical or aggregated data does not directly identify a specific person, but we may derive non-personal statistical or aggregated data from personal information. For example, we may aggregate personal information to calculate the percentage of users accessing a specific Website feature.
Technical information, including your login credentials, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform, or information about your internet connection, the equipment you use to access our Website, and usage details.
Some of this information may be stored in our system to better identify clients for future transactions.
Failure to provide the Personal Information required for us to provide the Services, including explicit consent for credit checks and verification of information with credit bureaus and other third parties, will result in our inability to process your loan application or provide our Services. This information and consent are necessary for credit assessment, risk management, identity verification, fraud prevention, and compliance with applicable laws and regulations including the Consumer Protection Act and PIPEDA.
We use Personal Information as required by provincial and federal regulators to comply with applicable law, including but not limited to the Consumer Protection Act, PIPEDA, provincial privacy laws, anti-money laundering legislation, and other regulations related to consumer lending, credit reporting, and financial Services. This includes using your information for credit assessment, identity verification, fraud prevention, and promoting safe and responsible lending practices.
Google Analytics is a Web analysis service that provides statistics and basic analytical tools. We use the data collected through Google Analytics Demographics and Interest Reporting to better understand our website visitors in terms of demographics and interests, to improve our website content in order to cater to our audience, and to customize advertisements based on our audience’s interests and demographics. The information cannot be linked to an individual. Google will never link the information collected with any other data or information that it preserves. To obtain additional information on the information that Google collects and how it is used, consult Google Privacy & Terms that can be found here: https://policies.google.com/privacy?hl=en-CA
If you so desire, you can prevent Google from recording information pertaining to your navigation by installing on your computer the Google Analytics Opt-out Browser Add-on .
By signing up to use our Services, you agree to the terms and conditions of this privacy policy and give us and/or any of our affiliate’s permission where permitted by law to use your email address and/or full address in order to send relevant and promotional materials.
We collect various categories of Personal Information, including but not limited to: name, email address, phone number, postal address, IP address, device information, usage data, and any other information you provide when interacting with our Services. When you complete an "information request form" or register for our newsletter, you are agreeing to the use of your Personal Information as described in this policy. Your information will be used to respond to your requests, provide support, and send marketing communications if you've consented to receive them. You will receive opt-out instructions in all our communications or by contacting us at [email protected]. To this end, your email will be added to our emailing marketing group.
Your phone contact will be used mostly to address your request and to provide support.
We use different methods to collect your information, including through:
Direct interactions with you when you provide it to us, for example, by filling in forms, responding to ads and job postings published on the Website or corresponding with us by phone, email, or otherwise. We clearly indicate which information is mandatory for the use of our Services and which is optional. Typically, basic contact information such as name and email address are required, while additional details may be provided voluntarily.
Automated technologies or interactions, as you navigate through our Website. Information collected automatically may include usage details, IP addresses, and information collected through cookies, web beacons, and other tracking technologies.
Third parties or publicly available sources, for example, our business partners.
ICash may also record calls or virtual meetings with You for training and note-taking purposes, in which case your voice and/or images may be captured.
Visitors to iCash’s social media pages that refer to this privacy policy (e.g. LinkedIn).
If attending iCash’s offices, We may capture images and recordings of you by video and audio recording devices in order to maintain the physical security of our offices. ICash has no control over cameras that may be placed in the common areas of the buildings its offices are located in.
When you use one of your devices (e.g. laptop, mobile phone, desktop computer) to browse our Website, We receive certain information about your device, including its hardware model, operating system, browser version, IP addresses, and geographic information derived from IP addresses.
With your consent, iCash captures precise location data by accessing your device's GPS to deliver Services tailored to your whereabouts, including alerts on proximal rewards partners. This feature can be deactivated at any time through your device's location service settings, allowing you full control over your privacy preferences. Additionally, upon opting in, iCash can send push notifications to your device, encompassing welcoming messages, insights into product features, and exclusive promotional offers. Preferences for receiving these notifications can be adjusted by disabling push notifications for the App in your device's settings, ensuring a personalized user experience.
We collect necessary device and usage information, including device type, operating system, unique identifiers, IP address, language settings, and app access timestamps. This collection is required for basic app functionality and service improvement, as permitted under PIPEDA and applicable provincial privacy laws. This data assists in analyzing app engagement levels, enabling continuous improvements to the app's performance and the personalization of content within the app. To further refine our offerings, iCash may employ third-party Services to gather analytical insights regarding app feature usage and engagement duration.
ICash is committed to maintaining transparency regarding the collection, utilization, and sharing of information within the constraints imposed by external platforms like Apple and Google. While we strive to clearly communicate our practices, it's important to recognize that certain tracking activities by these platform providers or your telecommunications carrier fall outside our jurisdiction. We advise users to thoroughly review and understand the privacy policies of any third-party providers, including those related to Android and iOS apps, as well as those of their telecommunications provider, before proceeding with any app downloads or making any purchases, ensuring a well-informed app interaction and purchase decision-making process.
When we process your Personal Information, we may use automated decision-making systems to help provide better products and Services to you (including identity verification, creditworthiness assessment, and risk evaluation), for security, anti-money laundering, and fraud detection/prevention purposes, in accordance with PIPEDA and applicable provincial privacy laws. While these automated systems help us make lending decisions, final credit decisions may involve human review. You have the right to request human intervention, express your point of view, and challenge any automated decision by contacting our Support Team at [email protected].
To access most financial products and Services we offer you need to have an iCash profile. In order to create it, we collect your email address, phone number, and a password that you select. We use this information to administer and authenticate your access our platform, to enable you to access products and Services, and to update you about changes to our platform.
Other information we collect directly from you on or through our Website or mobile application may include:
Information that you provide by filling in forms on our Website or mobile application. We may also ask you for information when you report a problem with our Website or mobile application.
Records and copies of your correspondence (including email addresses), if you contact us.
If you submit contact details or identification information of another individual (for example, a counterparty or an authorized user), you confirm that you have obtained their consent to share their personal information with us, including their full name, email, and telephone number (and for business contacts, their account details). You must inform them about our privacy policy and their rights under Canadian privacy laws.
When you apply for financial products and Services with us, we may collect additional information from you as follows:
Credit Products and Services: If you apply for a credit product, including, but not limited to, any credit products offered, we collect additional financial information, including income related information, living situation (i.e., move-in date, and whether you rent, own or live with family), housing costs, living expenses (e.g., utilities) to assess your creditworthiness, and to confirm your eligibility for our credit products. We may run credit checks through Canadian credit reporting agencies to assess your eligibility for credit products and determine appropriate credit limits. By applying for our credit products, you expressly authorize us to obtain and use your credit reports from credit reporting agencies including but not limited to Equifax Canada and TransUnion Canada. We may also use your financial and transaction information, payment history, and parties to transactions, to deliver the financial products and Services to you, and provide you with relevant information about your account.
In the event that you possess an iCash profile and have received approval for any product or service provided by iCash, we will utilize your financial and transactional details. This includes payment records, and transaction participants, for the purpose of furnishing you with the designated financial products and Services, along with pertinent account information. To communicate with you regarding updates to these financial products and Services, as well as to dispatch critical information concerning the initiation of financial accounts and beneficial notifications about your financial accounts, we may employ various methods of contact such as your telephone number, email, or physical mailing address. These communications may be conveyed through mail, email, SMS (where message and data rates might be applicable), push notifications, or direct calls.
Personal Information you provide to us is stored in secure facilities located in Canada, the United States, and the Philippines. For residents of Quebec, specific provincial privacy laws apply to the handling of your information.
The degree of sensitivity of each of these storage sites has been established. All Personal Information stored there is adequately secured and access to them is restricted to authorized persons only.
When we transfer your information to other jurisdictions, including to jurisdictions outside of the province in which you reside (which may include transfer outside of Quebec for Quebec residents) and outside of Canada, we ensure a comparable level of protection through appropriate safeguards and written agreements as required by PIPEDA. Such transfers may be subject to the laws of those jurisdictions and may be accessed by courts, law enforcement and governmental authorities in accordance with those laws. We will notify you of any such transfers and obtain explicit consent where required. Such transfers will comply with PIPEDA's requirements for cross-border data transfers and applicable provincial privacy laws. By submitting your information to us, you expressly consent to this transfer, storing, and processing, subject to applicable Canadian privacy laws including PIPEDA and provincial privacy legislation. You acknowledge that data protection standards in other jurisdictions may differ from those in Canada.
We collect, use, and disclose Personal Information only for purposes that a reasonable person would consider appropriate in the circumstances and as required or permitted by applicable privacy laws, including PIPEDA and provincial privacy legislation, which include providing financial Services to our customers under lease agreements. We collect and process only the Personal Information that is necessary for these specified purposes. We collect Personal Information primarily from you, for instance through applications and supporting documentation you provide. By submitting an application, you expressly consent to credit checks and authorize us to obtain credit reports from credit reporting agencies. We may retain phone logs, recordings, and meeting notes for quality assurance training, compliance, legal requirements, and record keeping purposes. You consent to the recording and monitoring of such communications for these purposes, as permitted under applicable Canadian federal and provincial laws including the Personal Information Protection and Electronic Documents Act (PIPEDA). You acknowledge that recordings may be used as evidence in legal proceedings. We may use the collected data for the purpose of responding to requests made pursuant to this privacy policy, including for verification purposes. We may also collect Personal Information about you through your ongoing interactions with us, from references, employers, and other financial institutions you have identified in your application as well as credit bureaus and other third-party sources. For example, we may collect Personal Information from credit bureaus for the purpose of locating you to collect outstanding debts. In connection with credit agreements, we may also collect Personal Information from credit bureaus in order to verify your current and ongoing creditworthiness and other information you may provide to us.
Furthermore, we collect, use, and disclose this Personal Information to:
To operate, provide and maintain our Services and the Website and its contents to you;
To determine your eligibility for the loan according to the law of the appropriate province, as well as to obtain credit assessment, details of employment and any other Services that may be of your interest;
To maintain your account;
To inform you about their account and any products and Services that may be of your interest;
To securely process the funding and repayment of transactions to which you and we may contract;
To extract information for the purpose of generating statistics and analysis for the purposes of conducting and improving our business and to ensure a high standard of service;
To meet all the legal and regulatory requirements;
To confirm your identity, to prevent and detect fraud;
To share information to our insurance partners to the extent that it is required to provide the Services or so that they may offer other products and Services that may be of interest to you;
To collect any debt that may arise;
To fulfill the purposes for which you provided the information or that were described when it was collected, or any other purpose for which you provide it;
To carry out our obligations and enforce our rights arising from any contracts with you, including for billing and collection or to comply with legal requirements;
To notify you about changes to our Website or any products or Services we offer or provide through it;
To improve, enhance, modify, add to and further develop our Website, products or Services, marketing, or customer relationships and experiences;
To measure or understand the effectiveness of the advertising we serve to you and others, and to deliver relevant advertising to you;
To investigate any misuse of our Website or Services, including violations of our security policies, criminal activity, or other unauthorized accesses;
In any other way we may describe when you provide the information;
For any other purpose with your consent.
When you apply for financial products and Services offered by us, we collect, share and disclose identity information, financial information, and transactional information from and to third parties (including but not limited to screening Services, telecom providers, credit reporting agencies such as TransUnion and/or Equifax, and other relevant service providers) as necessary for credit assessment, fraud prevention, and risk management purposes.
We use your name, address, Social Insurance Number (SIN), and date of birth to obtain certain credit, financial, personal, and business information contained in your credit report, to the extent provided by a credit bureau, for the purposes of verifying your creditworthiness, assessing and managing our credit risks, establishing credit and hold limits, qualifying you for other products and Services, detecting and preventing fraud, and making other decisions about your account. You expressly consent to our collection and use of your SIN for credit reporting and income verification purposes, as permitted by applicable privacy laws. The provision of your SIN is optional but may help prevent credit reporting errors. We may also share information with credit reporting agencies on an ongoing basis in order for the credit reporting agencies to maintain accurate credit information within their databases, in accordance with applicable laws.
Additionally, we may share your information with credit reporting agencies on an ongoing basis to maintain the accuracy of credit records in compliance with applicable laws.
We may also collect and exchange Personal Information with consumer and credit reporting agencies regarding negative information such as late payments, missed payments, or defaults. This consent remains effective as long as your account with us is active or as required by applicable laws and regulations.
You can obtain a copy of your credit report by contacting the credit reporting agencies below:
TransUnion : www.transunion.ca
English speakers in all provinces except Quebec: | French speakers in all provinces and English speakers in Quebec: |
Equifax : www.equifax.ca
Equifax Canada Co.
Box 190, Jean Talon Station
Montreal, Quebec, H1S 2Z2
Phone: 1-800-465-7166
By submitting a credit application with us, you expressly authorize us to collect, use, and disclose your credit information for the purposes outlined above in accordance with applicable laws and regulatory requirements. This authorization remains valid throughout the duration of your relationship with us and as required by applicable laws.
We allow you to manage your account and information you provided. Once you log in, you may update your Personal Information, if your account is in good standing and hasn't been deactivated. In that case, we will retain only the Personal Information required by law or that we deem necessary to fulfill the purpose for which it was collected. In certain circumstances, we may be required by law to retain your personal data for periods longer than our standard retention policy. This may include retention for tax, legal reporting, and auditing obligations. In such cases, we will securely store your data and isolate it from any further processing until deletion is possible.
We may not be able to provide access to some or all of an individual's Personal Information in certain circumstances.
Reasons for refusing access may include situations where:
The release of the Personal Information may threaten the life or security of a third party;
Personal Information is unreasonably costly to provide;
The request is frivolous or vexatious or made in bad faith;
Personal Information is subject to, or generated in a formal dispute resolution process;
Personal Information cannot be disclosed for legal, security, or commercial proprietary reasons; or;
Personal Information is subject to solicitor-client or litigation privilege.
All information provided can be used in legal proceedings and/or in the Court of Law if deemed necessary. Additionally, we will release any information if mandated by local, provincial, or federal laws and/or their officers.
You also have a right to access the personal data belonging to you that is under our control subject to any legal restrictions or rights of refusal. Such a request for access must be made in writing stating the details of the personal data you are requesting to:
Email: [email protected]
Mailing Address:
Privacy Officer,
Finabanx Ltd.,
372 Bertha Street, Hawkesbury, suite 102,
Ontario, K6A 2A8.
To verify your identity when making an access request, we require two (2) pieces of valid government-issued identification. Any copies provided must include both front and back. While we may charge a reasonable fee for accessing your personal information as permitted under PIPEDA, we will provide you with advance notice of any applicable fees and a written cost estimate before proceeding with your request.
Copies of records containing Personal Information may be subject to a fee. If this is the case, we will inform you of the amount of the fee in advance. We guarantee that exercising your privacy rights will not result in any discriminatory treatment or adverse actions against you. We will use our best efforts to ensure that Personal Information is as accurate, complete and up-to-date as necessary for the identified purposes. If you successfully demonstrate the inaccuracy or incompleteness of Personal Information, we will amend the information as required. We will respond to all user rights requests within 30 days of receipt. If we require additional time to process your request, we will notify you and may extend the response period by up to an additional 60 days.
Personal Information will not be used or disclosed for purposes other than those for which it was collected, excluding minor exceptions and after obtaining express consent of the individual affected or as required by law.
Where Personal Information is disclosed to a third party, we will ensure that appropriate security measures are utilized to protect the use and disclosure of Personal Information, and that equivalent data protection standards are maintained in all destination countries where the information may be transferred.
Only iCash employees and those of authorized third parties or service providers can be authorized or granted access to Personal Information of customers when their duties require it.
We may transfer Personal Information that we collect or that you provide as described in this privacy policy to contractors, service providers, and other third parties we use to support our business (including but not limited to analytics and search engine providers that assist us with Website improvement and optimization) who are contractually obligated to keep personal information confidential, use it only for the purposes for which we disclose it to them, and to process the personal information with the same standards set out in this privacy policy.
We may process, store, and transfer your Personal Information in Canadian provinces outside of the province of Quebec. For international transfers, we may transfer your personal information to countries outside Canada, including the United States of America and the Philippines, only where adequate levels of protection are ensured through appropriate safeguards in compliance with PIPEDA and applicable provincial privacy laws. By providing your personal information to us, you explicitly consent to the transfer of your information across provincial or international borders for processing and storage in accordance with this Privacy Policy and applicable laws.
Whenever we engage a service provider, we require that its privacy and security standards adhere to this privacy policy and applicable Canadian privacy legislation.
Should you choose to withdraw your consent that permits us to process your Personal Information, please indicate for which purpose(s) you wish iCash to stop processing your Personal Information (e.g., for a particular purpose, or for all purposes).
Prior to fulfilling your request, we may inform you of any consequences that withdrawing your consent may have in relation to receiving Services pursuant to this Privacy Policy.
Please note that withdrawing your consent is not the same as requesting that we delete any Personal Information, and we may continue to hold your Personal Information pursuant to any business (e.g., retention) or legal requirements where deletion has not also been requested, or as described in this privacy policy.
In some cases, withdrawing your consent is not an option because of legal or contractual requirements. You expressly acknowledge and agree that if you have authorized us to disclose your loan repayment habits to credit reporting agencies as part of a loan agreement, such consent is mandatory and cannot be withdrawn until you have fully repaid your loan and satisfied all obligations under the agreement you have requested, you will not be able to withdraw this consent until you have fully repaid your loan and all related obligations have been satisfied.
If you refuse to allow us to collect certain Personal Information, we may not be able to provide you with the product or service requested and with certain benefits and discounts associated with that product or service.
For example, if you don’t allow us to consult your credit report when you apply for a credit product, we may not be able to provide you with the requested product.
The security of your Personal Information is very important to us. We use physical, electronic, and administrative measures designed to secure your Personal Information from accidental loss and from unauthorized access, use, alteration, and disclosure. We store all information you provide to us behind firewalls on our secure servers. All data transmission and storage is protected using industry-standard encryption protocols to ensure the confidentiality and integrity of your Personal Information.
Personal Information will be protected by security safeguards that meet or exceed industry standards, including technical, physical, and organizational measures, in accordance with PIPEDA requirements and appropriate to the sensitivity of the data collected. Access is restricted to personnel who are authorized as part of their duties. By using our Services, you consent to the sharing of your information with credit reporting agencies and credit bureaus for credit assessment, fraud prevention, and debt collection purposes. This information will not otherwise be made public, sold, or shared with third parties without your express consent, except as required to provide our Services or to comply with legal obligations.
We are committed to providing the highest level of training as far as protection of your Private Information can go, every employee that may have access to your data is properly trained periodically.
We are committed to the protection of Personal Information against loss, theft, unauthorized access, disclosure, duplication, use and modification regardless of the format in which the data is held. Our security measures are regularly reviewed and updated to ensure the highest level of protection for your Personal Information.
We will protect Personal Information disclosed to third parties by means of contractual agreements with respect to the confidentiality of the Personal Information and the purposes for which the Personal Information is to be used. We will take all necessary steps to ensure that our employees, contractors and/or any party engaged by us, who will process or have access to your Personal Information, is aware of and under a duty of confidentiality, with respect to said data, no less restrictive than what is expected.
The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. Unfortunately, the transmission of information via the Internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.
We will use reasonable security measures in the disposal of Personal Information.
You must immediately notify us if:
anything abnormal occurs while using our Website;
you suspect or become aware of any fraudulent activity involving iCash’s name, Services, or operations; or
you are contacted through any communication channel claiming to be from iCash, including but not limited to phone, email, text message, or social media.
You may be liable for unauthorized transactions that occur after you discover them if you fail to notify us promptly, subject to applicable law and regulations regarding consumer protection. To limit your liability, you must notify us within 24 hours of discovering any unauthorized transactions. We will make reasonable efforts to inform you about the results of our investigation within ten (10) business days, though complex cases may require additional time. We will correct any errors we may have made, provided the error is brought to our attention promptly.
By signing up, you expressly consent to: (1) the collection, use, and disclosure of your Personal Information as described in this privacy policy; (2) iCash obtaining your credit report and credit-related information from credit reporting agencies and bureaus; and (3) iCash periodically updating this information throughout your relationship with us. You acknowledge this consent is valid for the duration of your relationship with iCash.
Our Website and our Services are only available to individuals who have reached the age of majority in their province or territory of residence (18 or 19 years, depending on the jurisdiction). No such other person may provide any information to or on the Website. Without limiting the foregoing, we do not knowingly collect personal information from children under 14. If you are under 14, DO NOT USE OR PROVIDE any information on the Website or on or through any of its features/register on the Website, use our Services, or provide any information about yourself to us, including your name, address, telephone number, email address. If we learn we have collected or received personal information from a child under 14 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 14, please contact our Privacy Officer.
All additions and modifications to this privacy policy will be clearly marked and posted on our Website located at icash.ca. Your continued use of our Services after such modifications constitutes your acceptance of the updated privacy policy.
We reserve the right to make changes to this privacy policy without prior notice. The updated version will be indicated by a ‘Last updated’ date and will be effective immediately upon posting to the Website, with your continued use of our Services constituting acceptance of such changes. It is therefore strongly recommended that you visit and review our privacy policy frequently so that you stay informed on how we are protecting your information.
We reserve the right to interrupt, modify, or discontinue our online Services at any time, with or without notice, to perform necessary maintenance, updates, improvements, or for any other reasonable business purpose. We will make reasonable efforts to minimize service disruptions and, where practical, provide advance notice of scheduled maintenance.
We reserve the right to use information collected through our system in legal proceedings, subject to applicable privacy laws including PIPEDA, provincial privacy legislation, and consumer reporting legislation. This includes actions for debt collection, fraud prevention, or enforcement of our rights. We may share this information with law enforcement agencies, credit bureaus, and legal authorities as required by law or to protect our legitimate business interests, in accordance with applicable privacy laws and regulations.
Should you have any complaints or questions regarding this privacy policy, we urge you to forward them to [email protected] by email or by mail at:
Privacy Officer,
Finabanx Ltd.,
372 Bertha Street, Hawkesbury, suite 102,
Ontario, K6A 2A8.
To ensure we disclose information to you only, with your request please include photocopies (front and back) of two (2) pieces of government issued identification so that we may verify your identity. As permitted under PIPEDA and applicable provincial privacy laws, we may charge you a reasonable fee to access your personal information. We will notify you of any fee in advance and provide you with a written estimate before proceeding with your request. You have the right to challenge the accuracy and completeness of your information and have it amended as appropriate. We will respond to your request within 30 days, as required by PIPEDA.
Last updated August 7, 2025
