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This privacy policy (The ‘Policy’) described information Lenditt.ca collects from you (‘Client’, ‘User” and/or ‘visitor’) about our policies for collecting, using, securing, and sharing nonpublic personal information.  It is our intention to manage and handle your personal information in a manner consistent with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and other relevant privacy legislation to the extent required by law.

  • Visit our website (Website), including, but not limited to and all other sites and mobile applications owned and operated by us, all subdomains provided through such other site or the website, and all downloadable applications, features, functionality, content or information that is made available or provided by us (the "Website")

  • Engage with us in other related ways, including marketing and social media.

  • Direct interactions with you, for example, by filling in forms, corresponding with us, or entering a contest or promotion sponsored by us.

  • Acquire, apply for or use the services we provide.

Reading this privacy policy will help you understand your privacy rights and choices. If you do not agree with our policies and practices, please do not use our services. If you have any questions or concerns, please contact us at (Website).

This Privacy Policy outlines our commitment to you, and is designed to comply with applicable Privacy legislation in Canada, which incorporates the following ten principles. These guidelines have been customized to meet the specific needs and expectations of Lenditt.ca (i) 1. Accountability (ii) Identifying Purpose ( iii)  Obtain Consent ( iv)  Limit Collection ( v)  Limit Use, Disclosure and Retention (vi) Accuracy (vii) Safeguards (viii) Openness (ix)  Individual Access ( x) Challenging compliance

WHAT PERSONAL INFORMATION DO WE COLLECT?

The personal information we collect depends on the service you request. We may collect personal information about you from the following sources:

  • Information we receive from you on applications or other forms, such as your name, address, phone number, email address, social insurance number and income.

  • Confirmation of employment information from your employer.

  • Information we receive from other third parties, such as credit reporting agencies and other financial institutions, relating to your initial and ongoing creditworthiness.

  • We may also use cookies and other technologies to collect information (including location information) when you visit our website or use our mobile app.

WHY DO WE COLLECT YOUR PERSONAL INFORMATION?

We collect, use and disclose your personal information for the following reasons:

  • To communicate with or contact you (e.g., address, telephone number, email or other electronic address);

  • To verify client identity (e.g., date of birth, government-issued identification, occupation);

  • To meet legal and regulatory requirements;

  • To provide financial services to you, and to authorize and process your transactions;

  • To detect and prevent fraud and help safeguard the financial interests of Lenditt Technologies Inc. and clients (e.g., reviewing and

analyzing your transactions and other information to help us identify various types of threats and risks, such as credit, fraud and money laundering);

  • To develop, offer, and manage the various services provided by our company in order to meet our clients’ needs (e.g., loan, payment history, communication preferences and location);

  • To maintain adequate accounting, tax and business records;

  • Where applicable, to confirm details of your employment;

  • To assess the quality and quantity of our services (e.g., call monitoring, record and respond to client feedback);

  • To collect a debt that may be owed to Lenditt Technologies Inc.

We collect, use and disclose Information that we believe is reasonable for the above purposes or those purposes indicated to you at the time the Information is collected.

FACIAL SCAN & DATA POLICY

Our goal is to perform a digital onboarding solution which is developed in-house where real-time and frictionless identity verification/KYC processes gets completed.

FACE DATA WE COLLECT & PURPOSE

Once you take your selfie our AI-powered accredited model will examine active liveness detection, while your selfie is captured. During this process, we check if you are actually present in front of the camera. During this process, we analyze your selfie to find the feature points of the faces which includes eye movement, lip movement, and blink detection. These set of algorithms attempt to track eye movement and blinks to ensure the user is not holding up a photo of another person (since a photo will not blink or move its lips).

FACE DATA SHARING AND STORAGE

We will not share your face data with any third party. After the face analysis process is complete, only your selfie image will be stored in our database for the execution of agreements for business relationship and all other facial related data does not get stored on our servers.

INFORMATION AUTOMATICALLY COLLECTED

We automatically collect certain information when you use, visit or navigate our Services. This information does not reveal your specific identity, but may include device and usage information, such as your IP address, browser and device characteristics, referring URLs, location and other technical information.

This kind of information is needed to maintain the security and operation of our Services and for analytics and reporting purposes.
The data collected includes:
 

  • Log and usage data. Depending on how you interact with us, this log data may include IP address, device information, browser type, information about your activity (such as date/time stamps associated with usage, pages and files viewed, searches and other actions such as what features you use)
     

  • Device data. We collect information about your computer, phone, tablet, or other device you use to access our services. Depending on the device used, the data collected may include IP address (or proxy server), device and application identification numbers, location, browser type, hardware model, operating system and system configuration information.
     

  • Location data. We collect information such as information about your device's location, but the information precision depends on the type and settings of the device used.

LIMITING COLLECTION

The collection of personal information is limited to that which is related to the identified purposes. Personal information will be collected by fair and lawful means. Most personal information will be collected directly from customers. Lenditt may collect personal information from sources such as public databases, affiliate programs, data providers, credit bureaus, employers, personal references, or other third parties that represent they have the right to disclose such personal information. This information may include IP addresses, social media profiles, social media URLs and custom profiles, for purposes of targeted marketing.

LIMITING USE, DISCLOSURE AND RETENTION

Lenditt will only use or disclose your personal information for the reason(s) it was collected, except with the consent of the customer or as required by law. Concurrence to the collection, use and exposure of Personal Information may be given in various ways. Consent can be expressed or inferred. In some circumstances, where notice has been handed to you about our intentions in respect to your particular Information and you haven't withdrawn concurrence, you'll be considered to have acceded for the purposes linked and described to you. By submitting Personal Information to us or our service providers and agents, you consent to the collection, use and disclosure of such Personal Information as described in this Privacy Policy or otherwise at the time of collection. Should you provide us and our service providers and agents with Personal Information of another individual, it is your responsibility to obtain consent from such person to enable us to collect, use and disclose such information for the purposes set forth in this Privacy Policy. Subject to legal or contractual requirements and reasonable notice, you may withdraw your consent at any time by contacting our Privacy Officer at the contact information set out at the end of this Privacy Policy. If you withdraw your consent, we may be limited or unable to provide you with certain services or information.

In certain circumstances, as permitted or required by law, we may collect, use or disclose Personal Information without the knowledge or consent of the individual. These circumstances include but are not limited to: Personal Information that is publicly available as defined by regulation; where collection is clearly in the interests of the individual and consent cannot be obtained in a timely way; where disclosure is made for the purposes of collecting a debt owed to us; or to comply with a subpoena, warrant or court order.

Also, to the abovementioned, Personal Information may be shared between our affiliates or subsidiaries (including those that may be located outside Canada) for internal audit, billing, management or administrative purposes including actions related to legal actions. For the purposes mentioned above, we may transfer your Personal Information to service providers, including affiliates or other third-party organizations to perform actions, such as data processing, marketing, customer service, security, collections, financial and taxation services. Should your Personal Information be transferred, we use contractual or other means that ensure that a comparable level of protection is provided.

We may also use and disclose Personal Information in connection with the proposed or actual financing, securitization, insuring, sale, assignment or other disposal of all or part of our business or assets (including your loan and any agreement to which it relates), for the purposes of evaluating and/or performing the proposed transaction. Assignees or successors of our business or assets may use and disclose your Personal Information for similar purposes as those described in this Policy.

We may disclose your Personal Information as necessary to meet legal, regulatory, insurance, audit, and security requirements, and as otherwise with your consent or as permitted or required by law.

HOW LONG DO WE KEEP YOUR INFORMATION AND HOW DO WE DISPOSE OF IT?

The length of time we retain your Information varies depending on the services you have requested and your relationship with us. We keep Information for so long as it is reasonably required by us or legally necessary for us to retain such Information. Your Information is confidentially destroyed, deleted, erased or converted to an anonymous form when reasonably appropriate.

HOW DO YOU GAIN ACCESS AND VERIFY YOUR PERSONAL INFORMATION?

We will provide you access to the Personal Information we have about you. If you require information, simply contact our Privacy Officer. We will respond to your request within Seven (07) days. Please note that we may not be able to provide Information about you from our records if it contains references to other persons, is subject to legal privilege, contains information proprietary to us, is too costly to retrieve, or cannot be disclosed for other legal reasons.

Having accurate Information about you enables us to give you the best possible service. You can help by keeping us informed of any changes, for instance if you move or change telephone numbers. If you find any errors in our Information about you, let us know and we will make the corrections promptly and make sure they are conveyed to anyone we may have misinformed. For Information that remains in dispute, we will note your opinion in our file.

HOW IS YOUR PRIVACY TREATED BY OUR WEBSITE AND MOBILE APP?

In general, you may visit Lenditt Technologies Inc. on the web or use our mobile app without telling us who you are or revealing any Information about yourself.

We may, however, collect non-personally identifiable information from you when you visit our website or download or use our mobile app. For our website, this includes your domain name, the IP address of the web page from which you enter the site, the pages you visit on our site and the amount of time you spend there. For our mobile app, this includes device ID and model number. This information is used to improve and customize the content and layout of our website or app.

From time to time, we may utilize cookies or scripts on our website. You may disable these features, but by doing so, you may not be able to utilize the services we provide on our website.

We collect the email addresses of those who communicate with us by email and information volunteered by our visitors. The information we collect is used to improve our content and contact these visitors, if they have requested to be contacted.

From time to time, we may advertise our services on another company's website. If you access one of these ads, we may track the response rate and the website activity associated with each ad. The response rate data is used to help us plan future online advertising campaigns. From time to time we may provide links (from our website or mobile app) to other websites that may be of interest to our visitors. However, we cannot and do not guarantee that their privacy policies are adequate or equivalent to ours. In order to protect your privacy, we recommend that you read each page's website privacy policy carefully before making the decision to share Information and only share Information with companies that you trust will protect your privacy.

COOKIES

Lenditt website/ app may use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page.

We use website usage" information to help create a better user experience, to facilitate the online application process and for internal research and reporting purposes. We collect certain information from users' browsers using small text files called "cookies." We also use session ID cookies to confirm that users are logged in. This type of cookie helps us recognize you, if you visit multiple pages on our site during the same session, so that we do not need to require a password to access each page. You can set your browser to notify you when you receive a cookie or refuse cookies altogether.

Please note: If you do not accept cookies from us, you will not be able to use our site.

We also use a persistent cookie that stores your login ID (but not the password) to make it easier to login when you come back to us on future visits. We encode our cookies so that only we can interpret the information stored in them, but they do not contain personally identifiable information.

You can remove or block the persistent cookie using the settings in their browser if they want to disable the feature.

SECURITY OF YOUR PERSONAL INFORMATION

Your safety and privacy are utmost priority for us and therefore we have enabled various tools and technologies for the reactive and proactive protection of your information. It is also essential for us to have your partnership in building strong and effective defense against the criminals. Some (but not necessarily all) of the steps you can take to protect yourself include:

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  • Ensure you have a strong and unique password for each account and device. Never write it down or save it anywhere.

  • When it comes to emails, texts or other electronic messages, avoid clicking a link without validating the sender and confirming that it is from a trusted source.

  • Never download or open attachments from an unfamiliar sender.

  • Do not rely on a display name without checking the email address behind it. The full email address can usually be seen by hovering over the display name on a personal computer or by clicking on the display name on a mobile phone. We send emails to consumers only from (EMAIL) email addresses.

  • Do not respond to emails, phone calls or text messages that request personal information or your account details. Beware of messages that convey a false sense of urgency or seem suspicious to you in other ways. You can always call us at (Customer Care Number) or visit us if you’re in doubt if a message comes from us.

  • Ensure that your laptop, desktop and mobile device are protected by up-to-date antivirus software.

  • Do not share your computer or password or other login credentials with an unknown person.

  • Always lock your device that has critical information with a passcode or password that is difficult for anyone to guess.

  • Periodically consider whether it is worthwhile to permanently delete personal information from your various devices.

  • If you notice any suspicious activity, such as fraudulent emails that appear to come from Lenditt, please call us at (Contact Number).

Also, consider contacting your local law enforcement.

We strive to take appropriate security measures to protect against unauthorized access to or alteration of your personal information. Unfortunately, no data transmission over the Internet or any wireless network or device can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, you acknowledge that: (a) there are security and privacy limitations inherent to the Internet which are beyond our control; and (b) security, integrity, and privacy of any and all information and data exchanged between you and us through this Site cannot be guaranteed.

CHANGES TO THE PRIVACY POLICY AGREEMENT

PAYDAY reserves the right to update and/or change the terms of this privacy policy agreement at any time without prior notice. Such changes will take effect immediately upon posting. Thus, it is the visitors' and users' responsibility to keep up to date. The last revised date will be posted on the top of this page. By continuing to interact with us following such changes, including by using our Sites, you will be deemed to have agreed to such changes. If you do not agree with the terms of this Privacy Agreement, please do not continue using our Sites.

CONTACT INFORMATION

Lenditt welcomes your questions or comments regarding this Statement of Privacy. If you believe that Lenditt has not adhered to this Statement, please contact Lenditt at:
Privacy Officer*
Lenditt Technologies Inc.
5955, JEANNE D'ARC BLVD S ORLEANS ON K1C 2N1
Email: support@lenditt.ca

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