Privacy Policy

Last Updated: December 2, 2025

1. Introduction

BorrowInTime.ca ("we," "us," or "our") operates as a lead generation and loan comparison service. We connect Canadian consumers with lending partners who may be able to provide payday loans and personal loans.

This Privacy Policy applies to all information collected through our website, BorrowInTime.ca, and any related services.

2. Information We Collect

2.1 Information You Provide Directly

When you submit a loan application through our website, we collect:

• Personal Identification: Full name, date of birth, Social Insurance Number (SIN)
• Contact Information: Email address, phone number, mailing address
• Financial Information: Employment status, income, bank account information, credit history
• Loan Details: Requested loan amount, loan purpose
• Additional Information: Any other information you choose to provide

2.2 Information We Collect Automatically

When you visit our website, we automatically collect:

• Device Information: IP address, browser type, operating system
• Usage Data: Pages visited, time spent on site, links clicked
• Cookies and Tracking: Information collected through cookies and similar technologies
• Location Data: General geographic location based on IP address

3. How We Use Your Information

We use the information we collect for the following purposes:

3.1 Primary Purposes

• Loan Matching: To connect you with lending partners who may offer you a loan
• Application Processing: To evaluate and process your loan application
• Communication: To contact you about your application status and loan offers
• Verification: To verify your identity and prevent fraud

3.2 Secondary Purposes

• Service Improvement: To improve our website and services
• Analytics: To understand how users interact with our website
• Marketing: To send you promotional offers and updates (with your consent)
• Compliance: To comply with legal obligations and protect our rights

4. How We Share Your Information

4.1 Sharing with Lending Partners

This is our primary data sharing activity. When you submit an application, we share your information with:

• Lending partners in our network who may be able to offer you a loan
• Multiple lenders may receive your information to increase your chances of approval
• Each lender operates under their own privacy policy and terms of service

4.2 Service Providers

We share information with third-party service providers who assist us with:

• Payment processing and transaction services
• Identity verification and fraud prevention
• Email and SMS communication services
• Website hosting and analytics
• Customer support and call center operations

4.3 Marketing Partners

With your consent, we may share information with marketing partners who offer:

• Financial products and services
• Credit monitoring and improvement services
• Debt consolidation services
• Other products that may interest you

4.4 Legal Requirements

We may disclose your information when required by law or to:

• Comply with legal processes (court orders, subpoenas)
• Protect our rights and property
• Prevent fraud or illegal activities
• Protect the safety of our users or the public

4.5 Business Transfers

If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

5. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to:

• Remember your preferences and settings
• Analyze website traffic and user behavior
• Deliver targeted advertising
• Improve our services

Types of Cookies We Use:

• Essential Cookies: Required for website functionality
• Analytics Cookies: Help us understand how users interact with our site
• Marketing Cookies: Used to deliver relevant advertisements
• Third-Party Cookies: Set by our partners for advertising and analytics

You can control cookies through your browser settings, but disabling certain cookies may affect website functionality.

6. Your Privacy Rights

Under Canadian privacy laws, including PIPEDA (Personal Information Protection and Electronic Documents Act), you have the right to:

6.1 Access and Correction

• Request access to the personal information we hold about you
• Request corrections to any inaccurate or incomplete information

6.2 Withdrawal of Consent

• Withdraw your consent for us to use or share your information (subject to legal or contractual restrictions)
• Opt out of marketing communications at any time

6.3 Data Deletion

• Request deletion of your personal information (subject to legal retention requirements)

6.4 Complaints

• File a complaint with us about our privacy practices
• File a complaint with the Office of the Privacy Commissioner of Canada

To exercise your rights, contact us at: privacy@borrowintime.ca

7. Communication Preferences

7.1 Opting Out of Marketing

You can opt out of marketing communications by:

• Clicking "unsubscribe" in any marketing email
• Replying "STOP" to SMS messages
• Contacting us directly at optout@borrowintime.ca

7.2 Transactional Communications

You cannot opt out of transactional communications related to your loan application or account, such as:

• Application status updates
• Loan approval notifications
• Important service announcements

8. Data Security

We implement industry-standard security measures to protect your information, including:

• Encryption: SSL/TLS encryption for data transmission
• Secure Storage: Encrypted databases and secure servers
• Access Controls: Limited access to personal information
• Regular Audits: Security assessments and vulnerability testing
• Employee Training: Privacy and security training for staff

However, no method of transmission over the internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

9. Data Retention

We retain your personal information for as long as necessary to:

• Provide our services to you
• Comply with legal and regulatory requirements
• Resolve disputes and enforce our agreements

Typical retention periods:

• Application Data: 7 years (for regulatory compliance)
• Marketing Data: Until you opt out or 3 years of inactivity
• Website Analytics: 2 years

10. Third-Party Websites

Our website may contain links to third-party websites operated by lending partners and other service providers. We are not responsible for the privacy practices of these websites. We encourage you to review their privacy policies before providing any personal information.

11. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors. If we discover that we have inadvertently collected information from a minor, we will delete it immediately.

12. International Data Transfers

Your information may be transferred to and processed in countries outside of Canada, including the United States. These countries may have different data protection laws than Canada. By using our services, you consent to the transfer of your information to these jurisdictions.

We ensure that appropriate safeguards are in place to protect your information during international transfers.

13. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected, used, and shared
• Right to request deletion of personal information
• Right to opt out of the sale of personal information
• Right to non-discrimination for exercising your privacy rights

To exercise these rights, contact us at privacy@borrowintime.ca

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. When we make changes:

• We will update the "Last Updated" date at the top of this page
• For material changes, we will provide notice through email or a prominent notice on our website
• Your continued use of our services after changes are posted constitutes acceptance of the updated policy

15. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

16. Consent to This Privacy Policy

By using BorrowInTime.ca and submitting your personal information, you consent to the collection, use, and sharing of your information as described in this Privacy Policy.

If you do not agree with this Privacy Policy, please do not use our services.

---

Summary: We collect your personal and financial information to connect you with lending partners. We share this information with lenders and service providers to process your loan application. You have rights to access, correct, and delete your information. We protect your data with industry-standard security measures.