PretCharest is committed to respecting the privacy and protecting the personal information of its clients and users or visitors to its website (hereinafter collectively referred to as "Users" and individually as a "User"). Therefore, PretCharest undertakes the commitments outlined in this privacy policy (hereinafter the "Policy") regarding the personal information of its Users, in accordance with the applicable legislation in the province of Quebec, notably the Private Sector Privacy Act.
PretCharest is committed to complying with the Policy.
Every User agrees that the Policy may be amended by PretCharest at any time and without notice, and that they are bound by such modifications. Therefore, PretCharest suggests that Users regularly review the Policy.
When a User accesses the website, their computer and PretCharest's servers automatically exchange data. This exchange is necessary for the server to transmit a file compatible with the User's computer equipment.
The exchanged data includes:
Identification of the User's internet service provider;
User's IP address;
Type of browser (e.g., Firefox, Explorer) and operating system (e.g., Windows, Mac OS) used by the User;
Pages visited by the User;
Date and time of the User's access to the website;
Referring site address if the User accesses the website from another website.
Most automatically transmitted information between computers does not allow the identification of a User. It is collected only due to technological requirements inherent in Internet browsing and for the purposes mentioned in this Policy.
We collect the following information:
Last names;
First names;
Mailing address;
Postal code;
Email address;
Phone number;
Gender;
Date of birth;
Occupation, including the User's employer's phone number and the User's hiring date;
Any other personal information necessary for the provision of services.
The personal information we collect is gathered through forms (including the loan application form on the website) and through the interaction established between the User and our website.
PretCharest uses the Google Analytics service and is obligated to inform the User about how the data will be used. For more details, please refer to Google's Privacy Policy and Terms of Service: http://www.google.com/intl/en/policies/privacy/partners.
Cookies are used to facilitate navigation on the website pages. These cookies do not collect personal information about Users. A User can adjust their browser settings at any time to block cookies. However, this action may deprive the User of certain functions offered on the website.
If the User uses a computer in a public place or shares a computer with other Users, PretCharest recommends clearing browsing history stored in the browser before ending each session.
The website does not use any technology to collect personal information about the User without their consent. The User is free to use the website without their personal information being automatically collected, subject to what is provided in this Policy.
Indeed, subject to what is provided in this Policy, no personal information is collected without the prior consent of the User. The only personal information that PretCharest may collect is information that the User voluntarily provides to PretCharest or in accordance with this Policy. In order to provide the service requested by the User, open their file, or comply with the law, PretCharest reserves the right to ask the User to provide personal information or supporting documents.
Personal information is processed and retained in accordance with the provisions of the Private Sector Privacy Act (Quebec) (hyperlink: http://www.legisquebec.gouv.qc.ca/fr/showdoc/cs/P-39.1).
Personal information is used by PretCharest only to the extent provided by law. This means that, unless exceptions provided by law apply, PretCharest will seek to obtain the User's consent prior to any use of their personal information for purposes other than those for which the User provided them, or for purposes other than those outlined in this Policy or in the law.
Personal information is accessible to PretCharest employees to the extent necessary for the performance of their duties.
Personal information provided by the User may be used by PretCharest for the following purposes:
Verify age and place of residence;
Provide services requested by the User;
Conduct checks to determine if the User complies with the terms of use and the law;
Compile statistics;
Track a User's loan application, carry out the loan approval process according to PretCharest's policies;
Transmit information and promotional offers (provided that the User can unsubscribe at any time by sending a request to PretCharest), as outlined in Article 11 of this Policy;
Improve the management of the website (presentation, organization);
Improve service and personalized service;
Create personalized consumption profiles;
Track orders;
Exercise its rights against any User, within the limits permitted by law, including transferring personal information to any collection agency;
Develop artificial intelligence to facilitate service delivery and recovery.
PretCharest does business with partners with whom Users' personal information may be shared, free of charge, for promotional purposes. In this case, PretCharest will ensure that any partner with whom such personal information is shared is bound by a confidentiality agreement with PretCharest regarding the processing of such personal information, which will be at least equivalent to the provisions of this Policy.
PretCharest may disclose personal information when required by law or an order from a competent authority.
PretCharest may also disclose personal information to subcontractors, if necessary to provide its services.
PretCharest implements appropriate security measures to ensure the protection of personal information about Users and uses the following measures, among others:
SSL Protocol (Secure Sockets Layer);
Access management – limited access to relevant personnel;
Network monitoring software;
Computer backup;
Development of digital certificates;
Username/password;
Firewalls.
Furthermore, PretCharest's commitments regarding the protection of personal information meet the requirements of the following program: SSL Certificate.
PretCharest retains personal information for the duration necessary for the purposes outlined in this Policy and to comply with its legal and regulatory obligations. For more information on the retention period for personal information, you can contact PretCharest using the contact information provided in Article 11 of this Policy.
Every User has the right to access their personal information held by PretCharest. If information is inaccurate, incomplete, or ambiguous, the User can request in writing that it be corrected. To access the personal information held by PretCharest, a request must be made by contacting PretCharest in one of the ways outlined in this Policy.
In this regard, PretCharest complies with Article 19 of the Private Sector Privacy Act (Quebec):
Any person operating a business whose purpose is the lending of money and who becomes aware of credit reports or recommendations concerning the solvency of individuals, prepared by a personal information agent, must inform these individuals of their right of access and correction with respect to the file held by the agent and indicate how and where they can access these reports or recommendations and have them corrected, if necessary.
The person operating such a business must disclose to the individual who makes the request the content of any credit report or recommendation of which they have become aware for the purpose of making a decision concerning that individual.
We are committed to providing you with the right to object to and withdraw your personal information, subject to PretCharest's rights regarding the use of personal information as provided in this Policy and by law.
The right of objection means the opportunity for Users to refuse that their personal information be used for certain purposes mentioned at the time of collection. However, the User understands that exercising their right of objection may result in PretCharest not being able to provide its services, and in such a context, PretCharest reserves the right not to provide services, without liability on the part of PretCharest.
The website may provide hyperlinks to other websites. The information exchanged through these other websites is not subject to this Policy; therefore, we recommend that you review the privacy policy that applies to those websites.
For more information about the Policy or for any other questions or requests, any User can contact PretCharest by phone, email, or mail.
By telephone: 450-914-5501
By email: info@pretrapidecharest.com
By mail: 1565 Montée Masson, Laval, QC, H7E 4P2
Any provision of any contract or specific agreement between PretCharest and you that is not compatible with the provisions of these terms or the provisions of the privacy policy shall take precedence over the latter provisions.