Privacy Policy

LOANA. ("LOANA"we," "us," or "our") is committed to protecting the privacy and confidentiality of the personal information you provide or that we collect when you visit our website or interact with us. This Privacy Policy (hereinafter the "Policy") aims to inform you about the personal information we collect and how we use, share, and store it.

This Policy is designed to comply with applicable privacy laws.

1. Categories of Personal Information

In this Policy, "personal information" means any information relating to an identified or identifiable natural person, which may include, but is not limited to:

your contact details, such as your name, surname, postal address, email address and telephone number;
your financial information, such as information relating to your income, salary, other benefits, tax returns, including your social security number;
recruitment information, such as a curriculum vitae, educational and professional background information, diplomas from educational institutions, details of professional affiliations and other information relevant to potential recruitment or employment;
billing and financial information, such as a billing address, bank account information or payment details;
information relating to services, such as details concerning services we have provided to you;
information that is provided to us by or on behalf of our clients, or that we produce as part of our provision of services, and which may, where required, include special categories of personal information (including racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, health, sexual orientation, etc.);
identification data and other background check data, such as a copy of a driver's license, passport or utility bill, proof of beneficial ownership or information on the source of funds, required to comply with anti-money laundering laws and collected as part of our mandate acceptance and ongoing monitoring procedures;
Information relating to marketing and your communication preferences;
Data about cookies from your browser, related to your use of our website or portals, including your IP address, user ID, preferred language, date and time of visits, and pages viewed. For more information, please see our Cookie Policy;
Any other personal information about you or third parties that you provide to us.

We do not knowingly collect information from children or others relating to individuals under the age of 14. If you are under 14, please do not provide us with any personal information without the express consent of a parent or guardian. If you are a parent or guardian and you are aware that your children have provided us with personal information, please contact us.

2. Collection of Personal Information

We may collect personal information directly from you when you visit our website, do business with us, or interact with us.

We may also collect personal information indirectly from any source, including, but not limited to, sources specified in any agreement between you or an agent acting on your behalf and us, your current or former employer(s), financial institutions, personal information agents, placement agencies, consumer reporting agencies, credit rating agencies, government agencies, or from your authorized representatives, such as your financial advisor, any person you may have provided as a reference, or any other source necessary for the provision of our services.

3. Use of Personal Information

The personal information we collect is used only for the purposes indicated at the time of collection or any other use permitted or required by applicable laws, including:

3.1 Providing Services to Our Clients

We may, for example, use personal information to provide our services, conduct our business, and fulfill our obligations under any agreement we have with you.

As part of the professional services we provide to our clients, we may process personal information of individuals with whom we do not have a direct relationship (contractual or otherwise). In such cases, we ask our clients to confirm that they have the authority to provide us with the personal information necessary for the provision of services and that this data has been processed in accordance with applicable law.

3.2 Any activity that is an integral part of our firm's operations

We may also use your personal information for purposes or in connection with:

the recruitment of potential employees, partners, and contract workers, as well as managing relationships with employees, partners, and contract workers;
Inquiries and communications from governments, regulatory bodies, courts, and law enforcement authorities;
Customer account opening, customer relationship management, accounting, and invoicing;
Compliance with our legal, regulatory, and risk management obligations, as well as those of our clients and service providers;
fraud prevention;
any other use permitted or required by applicable law.

3.3 Maintaining a distinctive customer experience

In addition to the purposes related to our firm's operations as described above, we may also use your personal information to:

to communicate with you and keep you informed: to send you an appointment confirmation, to answer a question, comment or request for information, to respond to your request for a quote, to send you our newsletter if you have agreed to receive such communications, etc.;
distribute marketing materials (invitations, expert content, news, etc.) to people on our mailing lists: you can unsubscribe from our mailing lists at any time;
to conduct follow-up, targeted marketing activities and marketing programs, as well as comparative evaluation;
to perform data analysis and research, including developing and adapting our products and services, and determining the suitability of our products and services;
To manage and improve our website;
To tailor the content of our website to personalize your experience.

4. Disclosure of Personal Information

We are committed to not disclosing personal information for purposes other than those for which it was collected, unless you consent or applicable law permits or requires it. We may engage third parties, including service representatives and members of our network, to process personal information for the purposes described above.

4.1 Disclosure to Third Parties

We may disclose your personal information to third parties, including:

third-party service providers who support our services or provide services on our behalf, such as hosting and data processing, IT support, customer service, marketing and analytics, and other services. We do not authorize them to use or disclose personal information for their own business or other purposes;
Members of our network who provide services to us as part of the professional services we offer you;
professional advisors, such as law firms, tax advisors, or auditors;
insurers;
regulatory and other professional bodies;
tax authorities, securities regulators, and credit rating agencies;
Federal or provincial agencies and regulators in response to a search warrant, court order, or any other request or investigation we deem valid;
any person or organization, including an investigative body, to prevent, detect, or stop financial abuse, fraud, or criminal activity, to protect our assets and interests, or to manage or settle any actual or potential loss, or in the event of a violation or contravention of the law;
any company in connection with a reorganization of our firm or other change of control of our firm;
and any other third parties when required or permitted by law.

4.2 Sharing between services and affiliated entities

Unless prohibited by law, we may share your personal information with our affiliated entities or our various services within the LOANA for the following purposes:

managing your business relationship with us and our affiliates;
complying with any legal or regulatory requirements; and
providing you with services you request.

4.3 Communication outside Canada

Some of these third parties may be located in Canada or other jurisdictions or countries, and therefore your personal information may be processed, accessed, or stored outside of Canada. They may disclose information in response to valid requests from governments, regulatory bodies, courts, and law enforcement authorities in those jurisdictions or countries, in accordance with applicable law in those jurisdictions or countries.

5. Data Retention

We will retain your personal information for as long as necessary for the purposes for which it was collected, subject to legal and professional requirements regarding the retention of certain types of information.

6. Consent

We ensure that you understand the purposes for which we use or disclose your personal information. Your consent may be express, implied, or provided by your authorized representative. By using our website or submitting your personal information to us, you consent to this Policy and to the collection, use, disclosure, and storage of your personal information in accordance with this Policy.

Except where required by law, you may withdraw your consent to the disclosure or use of collected information by contacting us using the contact information provided in the Contact Us section. In some cases, withdrawing your consent may affect the services that may be offered to you or the functionality of our website or portals.

7. Security Measures

We follow generally accepted and recognized standards for the protection of personal information. We maintain physical, organizational, contractual, and technological security measures to protect your information against accidental or unlawful destruction, accidental loss, alteration, unauthorized disclosure or access, misuse, or any other unlawful processing of the personal information in our possession. We take steps to ensure that only authorized individuals who need to know the personal information, or whose duties reasonably require them to know it, have access to it. Third parties to whom personal information is disclosed must comply with the security measures we have implemented.

Despite the measures described above, no method of transmission over the Internet or means of electronic storage is completely secure. Therefore, we cannot guarantee the absolute security of your personal information. If you have reason to believe that your personal information has been compromised, please contact our Privacy Officer immediately using the contact information provided in the Contact Us section.

8. Links to Third-Party Websites

For your convenience, our websites may provide links to third-party websites or parts thereof. We have no control over the content or operation of these websites, nor over the privacy practices of their operators. Therefore, any personal information you submit through these websites is governed by the privacy policies of those websites. It is your responsibility to familiarize yourself with their policies regarding the protection of your personal information.

9. Rights Regarding Your Personal Information

Under certain circumstances and in accordance with applicable laws, you have a number of rights regarding your personal information. Upon written request, you have the following rights concerning your personal information:

Access and portability: You may be informed of the existence, use and disclosure of your personal information and you may have access to this personal information within a reasonable timeframe. You may also request that the computerized personal information you have provided to us be communicated to you or transferred to another organization in a structured and commonly used technological format;
rectification: you have the right to have the personal information we hold about you rectified, amended and updated if it is incomplete, outdated or inaccurate;
Withdrawing your consent: You have the right to withdraw or modify your consent to the disclosure or use of your personal information at any time, subject to applicable legal and contractual restrictions.
Deindexing: You have the right to ask us to stop disseminating your personal information and to deindex any links associated with your name that provide access to this information if such dissemination contravenes the law or a court order.

You have the right to file a complaint with the Access to Information, subject to the conditions provided for by applicable law.

10. Contact Us

For any questions or concerns regarding this Policy or the protection of your personal information, to exercise your rights, or to file a complaint, please contact our Privacy Officer by email at confidentialite@rcgt.com or by mail at the following address:

LOANA

Services: Micro-loans (small, short-term personal loans).
Address: 236-410 Rue Saint-Nicolas, Montréal, QC H2Y 2P5, Canada
Phone: (833) 444-3452
Email: infos@loana.ca
Platform: Often used for quick, emergency funding.

Please provide sufficient detail in any correspondence you send us to allow us to identify the information you wish to access or correct, if applicable. We recommend that you secure your emails. Please note that we may ask you to verify your identity before responding to your request.

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