Mr. Payday Easy Loans Inc. (“Mr. Payday”) values your right to privacy and will properly manage all of your personally identifiable information (“Personal Information”) which it collects as well as acquires according to this privacy policy. Mr. Payday may modify this policy from time to time. To get the most current version please visit www.mrpayday.com/privacy-policy. “You” or “your” identifies you as being a client of Mr. Payday or a user of www.mrpayday.com. (the “Site”). “We” or “our” or “us” refers to Mr. Payday.

 
Collection and Use
 

Before Mr. Payday collects Personal Information from an individual, we first obtain that individual’s consent. Consent may be express or implied. We may obtain your express consent in writing, through electronic means, or verbally. Alternatively, your consent may be implied through an action that you’ve taken or when you continue to use a service after being notified of our policy. We obtain your consent the first time we receive your Personal Information. By continuing to make use of the services we provide you imply your ongoing consent to the collection and use of your Personal Information in accordance with this privacy policy.

 

Once your consent is obtained, Mr. Payday may collect the following types of Personal Information: (i) information we receive from you as part of the application process by telephone or through the Site from registration forms, application forms, transaction documents, surveys, or other documents or submissions related to the services we provide, including: your name, address, telephone number, social insurance number (“SIN”), email address, employment information, demographic information, bank account information, and information about your assets, debts and income; information about your transactions with us, our affiliates, or others, such as your account history, transaction balances, payment history, overdraft history, parties to transactions, and your reasons for doing business with us; (ii) information we receive from third parties such as consumer reporting agencies and other lenders regarding your credit worthiness and credit history, and information to verify your identity such as your telephone number; (iii) information we obtain to verify representations made by you, such as your employment history or income; (iv) information obtained from specialized marketing information firms, such as household demographics; (v) information that we receive about you from other online entities who have initially obtained your information but have transferred it to us so that we can provide our services to you; (vi) information obtained from web page http headers (home server domain names, IP address, type of client computer, and type of Web browser); (vii) information, user specific or aggregate, that we receive from our web pages recording visitor access; (viii) information that you provide when you contact our customer service department; (ix) information that you provide when you communicate with us via email or online chat; and (x) information about your computer and network settings. We collect this personal information so that we can evaluate your application for a payday loan, protect against fraud, and provide an online environment that is safe and secure.

 

We request your SIN for identification, security and credit matching purposes. Your SIN is a reliable way to confirm your identity and ensure proper matching of credit information with credit reporting agencies. You should be aware, however, that permitting us to use your SIN in this way is voluntary.

 

We use Personal Information to: provide you with the services you request; offer you additional products or services, from us or from others, that may be of interest to you; comply with all reporting and other legal requirements; enhance your experience at our Site; collect and process payments and update account records; analyze customer demographics, payment histories, and preferences; conduct statistical analyses and confirm your identity.

 

Although Mr. Payday does its best to protect Personal Information on the Site, for other websites linked to the Site which are not managed by Mr. Payday, we are unable to manage your Personal Information, and Mr. Payday is not responsible for information that is provided to these other websites.

 

Transfer and Disclosure

 

We may share or sell Personal Information with any other Mr. Payday related company (“Affiliated Company”, collectively “Affiliated Companies”) and with other companies with whom Mr. Payday or any Affiliated Company does business (“Non-Affiliated Third Parties”), as permitted by law, and described in this privacy policy. These Affiliated Companies and Non-Affiliated Third Parties may be (i) financial service providers, such as banks, mortgage brokers, lenders, loan brokers, cheque cashers, collection agencies, credit counselling agencies, consumer reporting agencies, credit, debit and store valued card providers, insurance agencies and other insurance service providers, bill payment agencies, ATM providers, pawn providers, automobile dealers, financing providers, leasing providers, money transfer and remittance providers, sellers and remitters of money orders and travellers’ cheques, and financial service provider holding companies, or agents, contractors, or representatives of any of the foregoing entities; (ii) non-financial companies, such as retailers, tax preparers, payroll service providers, advertisers, marketing companies, lead generators, advertisers on our websites, companies or individuals that do industry-related research, surveys or polls, automobile dealers, and holding companies, or agents, contractors, or representatives of any of the foregoing entities; and (iii) other organizations, such as non-profit organizations, trade associations, and industry analysts or agents, contractors, or representatives of any of these entities. Affiliated Companies and Non-Affiliated Third Parties may use Personal Information for any legal purpose, including, but not limited to, developing and promoting new or joint products, improving existing products and services, and contacting you to offer products and services that may be of interest to you. Where required by law, we will obtain your consent before we share or sell your Personal Information. We may also disclose Personal Information to companies who perform services on our behalf or to other financial institutions with which we have joint marketing agreements.
 
We may also disclose Personal Information to Affiliated Companies and Non-Affiliated Third Parties that provide services to us (“Service Providers”), which may be located outside of Canada. We contract with Service Providers to perform certain functions on our behalf. Examples include banks and other financial institutions, loyalty programs, database providers who assist in identity verification, credit scoring companies, and market research organizations, software developers and direct and indirect marketers. Their access is limited only to the Personal Information needed to perform their functions, and only for the purpose of performing those functions, and they are prohibited from using or disclosing Personal Information for other purposes. To receive further information about our policies with regards to Service Providers outside Canada, as may be required by law, please see the “Contact Information” section below.

 
We may release Personal Information if it becomes necessary for compliance with the law or to protect the rights, property, or safety of our Site, our users, or third parties. We reserve the right to release such Personal Information to law enforcement or other governmental officials as we, in our sole and absolute discretion, deem necessary to comply with the law. In addition, we reserve the right to use and disclose information about you that does not personally identify you in any form we deem appropriate in our sole discretion.
 
We may receive and store certain types of information whenever you interact with our Site. For example, like many websites, we use “cookies” to obtain certain types of information, such as your name and your email address, when your web browser accesses our Site and when you login. Cookies are pieces of information that are transferred to your computer’s hard drive via your web browser. They allow us to provide you with a more convenient and personalized experience by recording information about your preferences.

 
A web browser is usually set to accept cookies automatically but can be changed to decline them. The “Help” section of the toolbar on most web browsers will tell you how to prevent your browser from accepting new cookies, how to have the web browser notify you when you receive a new cookie or how to disable cookies altogether. In most cases, a visitor may refuse a cookie and still fully navigate our Site.

 
When dealing with any transfer or disclosure of Personal Information, we take reasonable measures to safeguard the security and confidentiality of all Personal Information. As part of this information sharing, Personal Information may be securely used, stored and processed in a foreign country where it may be accessible to law enforcement and national security authorities.

 
If you wish to opt-out of receiving secondary marketing from Mr. Payday then simply select the hyperlink in any promotional email you receive from Mr. Payday or send an email stating that you want to opt-out of receiving secondary marketing to the address unsubscribe@mrpayday.com . You can also log into your account at www.mrpayday.com and uncheck your consent. If you choose to opt-out of receiving secondary marketing from Mr. Payday or any of our Affiliated Companies or Non-Affiliated Third Parties or remove your Personal Information from our database it will no longer be used or disclosed to Affiliated Companies or Non-Affiliated Third Parties for secondary purposes unconnected to your loan, or used by us, Affiliated Companies or Non-Affiliated Third Parties to send promotional correspondence to you. If you wish to continue to receive the services that we provide, even if you opt-out, we may still need to share information we collect about you with Affiliated Companies and Non-Affiliated Third Parties to facilitate providing our services to you, to administer our business, in order to receive services from those companies, and as otherwise permitted or required by law.

 

Consent to Credit Check
 

By agreeing to this privacy policy you agree to and accept this as prior written notice of Mr. Payday obtaining a credit report or other credit and financial-related information relating to you from time to time. We may report information about your account to credit bureaus, and late payments, missed payments, or other defaults on your account may be reflected in your credit report.

 

Consent to Employment Verification
 
By agreeing to this privacy policy you agree and accept this as prior written notice of Mr. Payday contacting your employer to confirm your employment, occupation, place of employment, length of employment, employment income, pay dates, pay frequency and manner of payment of employment income.
 
Storage, Retention and Destruction
 

We securely store Personal Information in hard copy and/or electronic form. Mr. Payday retains Personal Information only as long as required by law or as necessary to fulfill the purposes identified above, after which time it will be destroyed, deleted, or made anonymous.

 
Access and Security
 
Mr. Payday employs reasonable security measures to safeguard the privacy and confidentiality of Personal Information in its custody. In particular, we: (i) ensure that Mr. Payday personnel and representatives are aware of, understand, and comply with our privacy policies and practices; (ii) allows only authorized Mr. Payday personnel and representatives to access Personal Information, (iii) restrict access to storage locations (e.g., locked filing cabinets or binders) and secure office facilities (e.g., locked offices and adequate premises security); and (iv) employ technology (e.g., firewalls, passwords, encryption, etc.) to protect the security of Personal Information held in electronic form. These measures will be reviewed periodically and revised to address relevant legal and technical developments. When dealing with Affiliated Companies or Non-Affiliated Third Parties, Mr. Payday will ensure that Personal Information that is transferred to or stored with these entities receives a comparable level of protection.
 
You may, upon request, access or review any Personal Information that Mr. Payday has collected and retained about you and be informed of any use, retention or disclosure of Personal Information. Requests for access to your Personal Information held by us should be sent to the Privacy Officer as provided below.
 
Accuracy and Rectification
 

Mr. Payday keeps Personal Information in its custody as accurate as necessary in light of the purposes for which it is to be used. Mr. Payday also encourages you to assist by indicating appropriate changes or deletions that should be made to rectify any inaccuracies that you may discover. Requests for corrections to your Personal Information held by us should be sent to the Privacy Officer as provided below.

 

Contact Information
 

You may contact the Privacy Officer if you have any questions or concerns about our privacy policies and practices; to provide, deny or withdraw consent to the collection, use or disclosure of your Personal Information by us; or to correct inaccuracies in Personal Information that we retain relating to you:

Mr. Payday Privacy Officer
Mr. Payday Easy Loans Inc.
privacyofficer@mrpayday.com or toll-free at 1-877-432-2274