9281-7378 Quebec inc. (hereinafter “Alterfina”, “we”, “us” or “our”) is concerned about respecting the privacy and protecting the personal information of its customers and the users or visitors of its website.

Consequently, Alterfina undertakes to protect the personal information transmitted to it and which it uses and to treat it confidentially. This Privacy Policy (hereinafter the "Policy") sets out the steps we take to uphold this commitment and describes how we collect, use, store, disclose and process users' personal information (collectively the “users” and individually a “user”), in accordance with applicable legislation, in particular the Act respecting the protection of personal information in the private sector (Quebec).

Your consent

By using our site, applying for a credit facility, obtaining a service or providing personal information to us, you consent to the collection, use and disclosure of your personal information in accordance with this policy. To exercise any of your rights described herein, you may contact us using the contact details set out in the "Contact Us" section below.

Renseignements personnels recueillis

Nous recueillons des renseignements personnels sur nos utilisateurs directement auprès de ces derniers, par l’entremise de leurs interactions sur notre site ou en lien avec nos services, ou par l’intermédiaire de tiers, comme cela est décrit ci-après.

Nous recueillons les renseignements personnels des utilisateurs à de multiples occasions, y compris, mais sans toutefois s’y limiter, lorsqu’ils consultent ou utilisent notre site, lorsqu’ils complètent un formulaire sur notre site, notamment le formulaire de demande de facilité de crédit sur le site Web et grâce à l’interactivité établie entre l’utilisateur et notre site Web.

Les utilisateurs peuvent être appelés, selon le cas, à fournir leur nom, leur adresse, leur adresse courriel, leur numéro de téléphone, leur date de naissance, le numéro de leur carte d’identité délivrée par le gouvernement, leur numéro d’assurance sociale, le nom de leur fournisseur de services de paie, leur profession, des renseignements liés à leur employeur notamment la date d'embauche ainsi que

contact details of people we may contact for reference, or to any other organization, as well as their bank details and other account information.

We also collect information about how users use our site and services.

We may obtain personal information through third party partners with your consent. For example, with your consent, we may collect information about your credit rating and related information from credit bureaus.

By applying for a credit facility, you give us permission to verify your name, address, telephone number and other account data by comparing such information to information held by third parties or sources. publicly available (such as identity verification companies, fraud prevention services, government records or your wireless service provider) for the purpose of confirming your identity and reducing the risk of fraud, including the possibility that someone other than you attempts to use your account or transact without your permission, and you consent to the disclosure of such information by such third parties or the matching of your information for this purpose. Your personal information will not be shared with these third parties for any other purpose.

Information Collected Automatically Through Our Site

We may collect information about users each time they visit our site. This may be the name of the browser, the type of computer used or technical information about how you connected to our site, such as the operating system, the Internet service provider or other similar information.
Most of the information transmitted automatically between computers does not make it possible to know the identity of a user. We use the information collected to understand the use made of our site and to make improvements to it and for the purposes mentioned in this policy.

Cookies and Similar Technologies. The operation of our site includes the use of “cookies” or “cookies”. A cookie is a tiny piece of data that our site can send to your browser and then may be stored on your hard drive so that we can recognize you on your next visit. We use cookies on our site to improve the user experience and to provide personalized recommendations, products and services. We also use cookies to collect, on our behalf and on behalf of our service providers, information about how you use the Site and other websites. These pieces of information then allow us and these other sites to customize the site or other content, such as advertisements, based on your interests and preferences (for example, language of navigation ) and enhance your user experience. If the user uses a computer in a public place or if he shares a computer with others, we recommend that he erase the traces of his navigation stored in the history before ending each session.

Online advertising. We may use the services of third parties to serve advertising on our site or on other websites. These companies may use cookies, tracking beacons or pixel tags to report certain information about your visits to our site and other websites (such as the web pages you view and your responses to advertising) in order to measure the effectiveness of our marketing campaigns and to present you with advertising that is relevant and adapted to your situation, whether on our site or elsewhere.

Google Analytics. Alterfina uses the Google Analytics service and must inform the user of how the data will be used. For more details, see Google's Privacy Policy and Terms of Service:

Use of Information Collected

Your personal information can only be consulted by certain authorized persons, and only within the framework of the tasks assigned to them. Alterfina may use personal information collected from users when permitted or required by law and for different purposes:

- To offer services: We need certain information to register a user for a service, to offer and manage our services and to solve problems related to a service.

- To process your credit facility application (including to verify your identity) and, complete the credit facility approval process.

- To personalize the user experience: We may use the information collected to personalize the user's experience while using our site or a service. We also analyze aggregate data to understand how users generally use the services and resources provided on our site.

- To improve our site: The information collected, including comments made by users, helps us to improve our site and our services.

- To manage a promotion, contest, survey or other elements of the site: We use the information collected to administer contests, promotions, surveys and other elements of the site.

- For marketing purposes: Personal information helps us compile statistics, establish a personalized consumer profile, better understand the needs and preferences of users, so as to provide them with information and offers likely to to interest. We use a variety of means to communicate information and offers to you, including through email and online advertisements. Users who object to having their personal information used for these marketing purposes should let us know by contacting us as provided herein.

- For other commercial purposes, for reasonable grounds: We may use the information collected to develop artificial intelligence to facilitate service delivery and collection, to detect and prevent fraudulent activities, to comply with legal requirements. Legal, to enforce agreements we have with users and for record keeping purposes. We may also use it for other purposes if the user consents or as permitted or required by law.