Effective date: September 12, 2023
Privacy Policy
At Jet Loans, we respect your right to privacy and the confidentiality of your personal information. We are committed to protecting your personal information and using it only for the purposes for which it was collected. We want you to know how and why we collect personal information and how it is stored, used and disclosed.
The Privacy Policy extends to all personal information collected by Jet Loans from the Jet Loans website (https://www.jetloans.ca /, hereinafter: the “Site”) (the “Policy”). The Policy is subject to the Quebec law in this area, the Act on the protection of personal information in the private sector (PIPEDA), as well as other applicable legislative and regulatory provisions.
Applicable laws
The Policy complies with the laws set out on PIPEDA.
For residents of other Canadian provinces, the specific law of your province will apply there or, in the absence of a specific law, the Personal information protection and Electronic Documents Act (PIPEDA). If there are inconsistencies between the Policy, the law of your province or PIPEDA, the law of your province or PIPEDA will apply. For residents of EU countries, the General Data Protection Regulation (GDPR) governs all data protection policies, regardless of where the site is located. The Policy aims to comply with the GDPR. If there are inconsistencies between the Policy and the GDPR, the GDPR will apply.
For residents of the State of California, this Policy is intended to comply with the California Consumer Privacy Act (CCPA). If there are inconsistencies between this document and the CCPA, state law will apply. If we find inconsistencies, we will amend our policy to comply with the relevant law.
Consent
By accessing and using the Site, you agree to :
- the conditions set out in the Policy;
- the collection, use and retention of the personal information listed in the Policy.
Privacy Officer
- Brandon Gaudreault
- info@jetloans.ca
- 450 776-4892
Personal information collected
We collect only the personal information necessary to fulfill the purpose identified in the Policy. We do not collect any additional personal information without first informing you.
Personal information collected automatically
We do not automatically collect any personal information on our Site.
Personal information collected non-automatically
By visiting and using the Site, we may collect and save the information below when you perform certain functions:
- professional and/or personal contact information, such as first name, last name, postal address, e-mail address and telephone numbers
- Site usage and other technical information, such as details about visits, your interaction with our advertising and online content, or information collected through cookies and other tracking technologies.
This personal information may be collected using the following methods:
- when you apply to become a volunteer, member or partner
- when you contact us with a question or comment
Use of personal information
This personal information may be collected using the following methods:
- In order to facilitate the use of our websites and to ensure that the content is relevant and to ensure that the content of our websites is presented in the most effective manner for you and your device
- To enable us to process credit applications
- To enable us to contact you with any questions or comments you may have
- In order to prevent and investigate possible security breaches of our Site or activities that may be prohibited or illegal.
How personal information is used
We may disclose your personal information to any member of our organization who requires access to user data to fulfill the purposes set forth in the Policy.
Other disclosures
We will not sell or disclose your personal information to third parties, except in the following cases:
- if required by law
- if required to comply with a court order or similar legal action
- to prove and protect our legal rights
- any entity or potential purchaser in the event of a merger or change of control of the company, in whole or in part, and only if the parties enter into an agreement whereby the disclosure of personal information is limited to the business transaction.
Links to third-party sites
Our Site contains links to other sites whose privacy policies and procedures may differ from those of Jet Loans. We are not responsible for and have no control over their policies. We encourage you to carefully read the privacy policy of any website you visit.
Retention period of personal information
We retain personal information for a reasonable period of time in order to fulfill the purposes for which it was collected.
How we protect your personal information
To ensure the security of your personal information, we use Secure Socket Layer (SSL) technology. We follow recognized standards to protect the data communicated to us, both during transmission and after receipt. Information is accessible only to our employees, who are bound by strict confidentiality agreements.Bien que nous prenions toutes les précautions raisonnables pour garantir la sécurité des données des utilisateurs et la protection de vos renseignements personnels, nous ne pouvons vous garantir une sécurité absolue.
Minors
We do not knowingly collect personal information from minors under the age of 14. Minors must have the consent of their parent or guardian to provide us with personal information. If you are a parent or guardian and are aware that your child has provided us with personal information, please contact our Privacy Officer. We will take the necessary steps to delete any personal information from our server.
How to access, modify, delete or challenge personal information collected
If you wish to access, correct, update or delete your personal information, please contact our Privacy Officer.
Cookie policy
A “cookie” is a small text file saved in the “Cookies” folder on the user’s hard disk by the website. It is used to collect information about the user’s browsing habits. You can be notified each time a cookie is sent, or disable cookies entirely in your browser. However, this may reduce the quality of the user experience on the website.
We use the following types of cookies on our Site:
Witness required
Necessary cookies are crucial to the Site’s basic functions and it will not function as intended without them. These cookies do not store any personally identifiable information.
Function indicator
Functional cookies enable certain functionalities such as sharing Site content on social media platforms, collecting comments and other third-party functionalities.
Analytical control
Analytical cookies are used to understand how visitors interact with the Site. These cookies help provide information on the number of visitors, bounce rate, source of traffic, etc.
Performance indicator
Performance cookies are used to understand and analyze the Site’s key performance indicators, enabling us to provide visitors with a better user experience.
Advertising indicator
Advertising cookies are used to provide visitors with personalized advertisements based on previously visited pages and to analyze the effectiveness of the advertising campaign.
Changes to the Policy
We may modify the Policy at any time without prior notice to you. We invite you to consult it regularly. If we make material changes to this Policy, we will notify you here, by e-mail or by posting a notice on our Web site before the changes take effect.
Information
If you have any questions, concerns or complaints about our Policy, you may contact our Privacy Officer.
Policy last updated: September 12, 2023
Informations importantes
Guarantee and other services
The client has the freedom to determine the fees and charges for each guarantee or financial product offered, which are distinct from the interest charged by the lender. Guarantee fees are based on the level of risk assumed, which is assessed based on our own evaluation. In addition to our guarantee service, we also offer assistance with budgeting, debt consolidation, and assessing your repayment capacity. Feel free to discuss with our representatives; they are here to help! Keep in mind that obtaining a micro-loan may not be the best solution for you.
Borrow responsibly
If you are still in need of financing, we encourage you to borrow responsibly. We understand that we are catering to a category of clients who are higher credit risks, which is why you should expect to pay a higher interest rate than that of conventional institutions.
Be especially careful not to simultaneously contract multiple types of online micro-loans, as you may see your debt ratio increase drastically and find yourself unable to meet all your payments.
However, we can guarantee you this: you will never pay an interest rate higher than that permitted by the Consumer Protection Act. Nevertheless, this kind of financing should only be contracted in case of emergency or when you have no other options for immediate financial assistance.
Responsible lending policy
All requests presented to us must undergo an analysis process to assess the repayment capacity of the individual seeking a guarantee.
Anyone who claims to offer you financing without analyzing your repayment capacity is acting against the requirements of the Consumer Protection Act. If we want to remain compliant with the law, we must verify your monthly salary, the stability of your employment, how you manage your finances, your contractual obligations (lease, other credit agreements), and your credit history.
If you do not meet some of our eligibility criteria and we consider you to represent too high of a risk, your request will be denied. However, please be assured that our primary objective is not to harm you but to help you. For any approved request, we recommend that you carefully read the contract sent by the lender to understand its terms.
Responsible debt collection
If you are having difficulty making your payments, we recommend calling one of our agents to advise you on reaching an agreement with the lender. One of our main commitments to our clients is to respect those facing difficulties.
We are able to negotiate various forms of accommodations for you, such as deferments or reductions in payments, subject to certain fees imposed by the lender. In the event that you become unable to honor your commitments, please be aware that responsible collection techniques will be used to handle your file.
In most cases, the borrower is responsible for all legal fees incurred for the recovery of their debt, and the debt may be demanded in full as soon as there is a breach of commitment on their part. Once your file is transferred to collections, we will not be able to assist you further.
Renewal of our guarantee
Just like in the field of financing provided by conventional institutions, all our clients who have faithfully honored their commitments will be offered the opportunity to renew their guarantee.
Establishing good repayment practices could also enable them to obtain a higher capital amount in a future application or even to obtain other types of financial products. Attention! This should not be interpreted as the possibility of improving your credit score with credit agencies such as Equifax and TransUnion.
Our services are not taken into consideration in the calculation of your credit score. Here’s a more concrete example: if we have guaranteed a loan for you that you repay over 2 to 6 months, and you have regularly made all your payments, reducing our risk, we could then guarantee your next guarantee request.
This way, you could obtain new funds immediately and only begin repayment following the final withdrawal of your previous financing.
