2. PRELIMINARY PROVISIONS
Each time a User accesses the Website, an exchange of information takes place, automatically, between the Website, his computer and Prêt Instant’s servers. This exchange is necessary for the server to transmit a compatible file with the computer equipment used by the User.
The following information is exchanged:
Most of the automatically exchanged data between computers do not allow identifying the User. It is collected for the sole purpose of meeting the technological requirements of web browsing and is only used for the purposes mentioned in this Policy.
We collect the following information:
The personal information is collected by means through forms (including the loan application form on the Website) and through the interactivity established between the User and our Website.
Cookies are used to simplify browsing on the Website. These cookies do not collect Users personal information. A User may at any time set his or her browser to block cookies. However, this action may deprive the User of certain features of the Website.
When using a public computer or sharing a computer, Prêt Instant recommends that the User ensure that he or she leaves no trace of its activity before ending a browsing session.
The Website does not include any technology that could be used to collect personal information from the User without his or her consent. Users are free to use the Website, without their personal information being collected automatically, subject to the provision set forth in this Policy.
Indeed, subject to the provision set forth in this Policy, no personal information is collected without the User’s prior consent. The only personal information that Prêt Instant may collect is information that is provided voluntarily by the User to Prêt Instant or in accordance with this Policy. In order to be able to provide a requested service by a User, open an account or comply with legal requirements, Prêt Instant reserves the right to request personal information or supporting documents from the User.
Personal information is processed and stored in accordance with the provisions of the Act respecting the protection of personal information in the private sector (hyperlink: http://www.legisquebec.gouv.qc.ca/en/showdoc/cs/P-39.1).
Personal information is used by Prêt Instant only as prescribed by law. This means that, except as prescribed by law, Prêt Instant will seek the User’s consent prior to making any use of information concerning said User for purposes other than those for which the information was originally disclosed, or for purposes other than those provided for in this Policy or in the law.
Personal information is accessible to Prêt Instant’s employees, as such information is necessary to performance their duties.
Personal information provided by the User may be used by Prêt Instant for the following purposes:
Prêt Instant does business with partners with whom the Users’ personal information may be shared, free of charge, for promotional purposes. In this event, Prêt Instant will ensure that any partner with whom such personal information is shared is bound to Prêt Instant by a confidentiality agreement regarding the treatment of such personal information, which will be at least equivalent to the provisions of this Policy.
Prêt Instant may release personal information when so required by law or by a directive from a competent authority.
Prêt Instant may also release personal information to services providers, if necessary for the provision of its services.
Prêt Instant applies the appropriate security measures to ensure the protection of personal information of the Users and, in particular, uses the following measures:
In addition, Prêt Instant’s privacy commitments regarding the protection of personal information, meet the requirements of the following program: SSL Certificate.
Personal information is kept by Prêt Instant only for the time necessary for the purposes set out in this Policy and to comply with its legal and regulatory obligations. For more information on the length of time that we retain personal information, you may contact Prêt Instant as provided under section 11 of this Policy.
Any User has the right to access his personal information held by Prêt Instant that concerns him or her. If any information is incorrect, incomplete or ambiguous, the User may request in writing a correction of this information. In order to access personal information held by Prêt Instant, a request must be made, by contacting Prêt Instant as provided in this Policy.
To that end, Prêt Instant complies with section 19 of the Act respecting the protection of personal information in the private sector (Quebec):
The person carrying on such an enterprise must communicate to a natural person, on request, the content of any credit report or recommendation he has consulted for the purpose of making a decision concerning the person.
We commit to offer you withdrawal and opposition rights in regard of your personal information, subject to Prêt Instant’s rights to use personal information as provided in this Policy and in the law.
The right of opposition is understood as the possibility offered to the Users to refuse to have their personal information used for certain purposes mentioned during the collection. However, the User understands that by exercising this right may make Prêt Instant not able to render his services, and in this case Prêt Instant, reserves the right to not render its services, without any liability.
The Website may contain hyperlinks to third party websites. Information exchanged by intermediary of these websites is not subject to this Policy; therefore, we advise you to read the terms and conditions and privacy policies that apply to said websites.
In the event of discrepancy between the French and the English versions of the Website, in particular in this Policy, the French version shall prevail.
Any provision of any contract or specific agreement between Prêt Instant and you that is not consistent with the provisions of this Policy or the provisions of Prêt Instant’s terms and conditions will take precedence over the provisions of this Policy or the provisions of Prêt Instant’s terms and conditions.
For more information regarding the Policy, or for any other inquiry or question, the User may contact Prêt Instant by phone, email or by mail.
By Phone: 1-888-350-0106
By email: firstname.lastname@example.org
By mail: 7750, Cousineau Blvd., suite 201 A, in the city of Saint-Hubert, province of Quebec, J3Z 0C8.
Section of the website: https://pretinstant.com/contact-us/