Your privacy is important to us. This Privacy Policy explains how EMT Cash ("we," "us," or "our") collects, uses, discloses, and safeguards your personal information when you visit emtcash.ca. By using our website, you consent to the practices described in this policy.
1. About This Policy
EMT Cash (emtcash.ca) is a loan referral platform operating in Canada. This Privacy Policy applies to all personal information collected through our website, forms, and related services. It is governed by Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation.
This policy does not apply to third-party lenders you may be connected with through our platform. Each lender maintains their own privacy practices, which you should review before accepting any loan offer.
2. Information We Collect
We collect personal information necessary to operate our loan referral service. This includes:
Information You Provide Directly
- Full legal name and date of birth
- Home address and province of residence
- Email address and phone number
- Employment status and employer name
- Income amount and pay frequency
- Bank account details (for lender matching purposes)
- Loan amount requested and purpose
Information Collected Automatically
- IP address and approximate geographic location
- Browser type, operating system, and device information
- Pages visited, time spent on site, and clickstream data
- Referring website or search query
- Cookie identifiers and session data
Note: We do not collect government identification numbers (SIN) directly. Any such information is collected by the lender directly and is governed by their privacy policy.
3. How We Use Your Information
We use the personal information we collect for the following purposes:
- Loan referral matching: To connect you with one or more licensed lenders in our network who may be able to assist you.
- Identity verification: To confirm your eligibility and prevent fraud.
- Service communications: To send you confirmations, status updates, and responses to your inquiries.
- Marketing (with consent): To send relevant loan offers or financial product information where you have opted in.
- Analytics and improvement: To understand how our website is used and improve our services.
- Legal compliance: To meet regulatory obligations and respond to lawful requests from authorities.
We do not sell your personal information to data brokers, advertisers, or any third party for their own marketing purposes. Your data is shared only as described in Section 4 of this policy.
4. How We Share Your Information
We may share your personal information with the following parties:
| Recipient | Purpose | Your Consent |
|---|---|---|
| Licensed Lenders | To assess your loan inquiry and present offers | Required at submission |
| Technology Partners | Hosting, analytics, and fraud prevention | Implied – necessary for service |
| Marketing Partners | Relevant financial offers (opt-in only) | Explicit opt-in required |
| Legal Authorities | Court orders, regulatory compliance | Not required by law |
| Business Successors | Merger, acquisition, or asset sale | Notice provided |
All third-party partners we work with are contractually required to handle your data in compliance with PIPEDA and to use it only for the stated purpose.
Lender data sharing: Once your inquiry is forwarded to a lender, that lender becomes an independent data controller. You should review their privacy policy for details on how they handle your information.
5. Cookies & Tracking Technologies
We use cookies and similar tracking technologies to enhance your experience on our website. These include:
- Essential cookies: Required for the website to function properly (e.g., session management, form security).
- Analytics cookies: Help us understand traffic patterns and improve our site (e.g., Google Analytics).
- Marketing cookies: Track referral sources and help measure advertising effectiveness.
- Preference cookies: Remember your settings and choices across visits.
You may control cookie settings through your browser preferences. Disabling certain cookies may affect website functionality. For full details, see our Cookie Policy.
6. Data Retention
We retain your personal information only as long as necessary for the purposes outlined in this policy or as required by law. Our general retention guidelines are:
- Inquiry data: Retained for up to 2 years after your last interaction to fulfill legal obligations and improve our service.
- Marketing data: Retained until you withdraw consent or request deletion.
- Analytics data: Aggregated and anonymized; retained indefinitely in non-identifiable form.
- Log files: Retained for up to 12 months for security and fraud prevention purposes.
When personal information is no longer required, we securely delete or anonymize it in accordance with our data disposal procedures.
7. How We Protect Your Information
We implement industry-standard technical and organizational measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:
- 256-bit SSL/TLS encryption for all data transmitted between your browser and our servers
- Secure, access-controlled data storage with role-based permissions
- Regular security audits and vulnerability assessments
- Employee training on data protection and privacy practices
- Incident response procedures to address any potential data breaches
No system is 100% secure. While we take strong precautions, we cannot guarantee absolute security. In the event of a data breach that affects your rights, we will notify you as required by applicable law.
8. Your Privacy Rights
Under PIPEDA and applicable provincial privacy laws, you have the following rights regarding your personal information:
- Right of access: Request a copy of the personal information we hold about you.
- Right to correction: Request that inaccurate or incomplete information be corrected.
- Right to withdraw consent: Withdraw consent to certain uses of your data at any time (subject to legal limitations).
- Right to deletion: Request that we delete your personal information, where we are not legally required to retain it.
- Right to complain: File a complaint with the Office of the Privacy Commissioner of Canada (OPC) if you believe we have violated your privacy rights.
To exercise any of these rights, contact us at privacy@emtcash.ca. We will respond within 30 days, as required by PIPEDA. For complex requests, we may extend this period by an additional 30 days with notice.
9. Children's Privacy
Our services are intended solely for individuals who are of the age of majority in their province or territory (18 or 19 years old, depending on province). We do not knowingly collect personal information from minors.
If we become aware that we have inadvertently collected information from a person under the age of majority, we will promptly delete that information. If you believe we may have collected information from a minor, please contact us immediately at privacy@emtcash.ca.
10. PIPEDA Compliance & Canadian Law
EMT Cash complies with the Personal Information Protection and Electronic Documents Act (PIPEDA) and, where applicable, with provincial privacy laws in Alberta (PIPA), British Columbia (PIPA BC), and Quebec (Law 25 / Bill 64).
Our privacy practices are guided by PIPEDA's 10 fair information principles:
- Accountability — we have designated a Privacy Officer responsible for compliance.
- Identifying purposes — we identify why we collect your information before or at the time of collection.
- Consent — we obtain meaningful consent for collection, use, and disclosure of your data.
- Limiting collection — we collect only what is necessary for identified purposes.
- Limiting use, disclosure, and retention — we use your data only as stated and retain it only as long as needed.
- Accuracy — we take steps to ensure your information is accurate and up to date.
- Safeguards — we protect your information with appropriate security measures.
- Openness — we make our privacy policies readily available.
- Individual access — you may request access to your information at any time.
- Challenging compliance — you may direct questions or complaints to our Privacy Officer.
11. Cross-Border Data Transfers
Some of our service providers and technology partners may store or process your data outside of Canada (e.g., in the United States). When this occurs, your information may be subject to the laws of that jurisdiction, including any legal access requests by government authorities.
We ensure that any such transfers are conducted with appropriate contractual safeguards that provide a level of protection comparable to Canadian privacy law. By using our services, you acknowledge and consent to such transfers where necessary.
12. Marketing Communications & CASL
If you have opted in to receive marketing communications from us, we may send you relevant information about loan products, financial tips, and EMT Cash updates via email or SMS. We comply with Canada's Anti-Spam Legislation (CASL) in all our commercial electronic messages.
Every marketing message we send includes:
- Clear identification of EMT Cash as the sender
- Our mailing address and contact information
- A simple, functional unsubscribe mechanism
You may unsubscribe from marketing communications at any time by clicking the unsubscribe link in any email, replying STOP to any SMS, or contacting us at privacy@emtcash.ca. Unsubscribe requests are processed within 10 business days.
13. Third-Party Links
Our website may contain links to third-party websites, including lender sites, educational resources, and partner pages. We are not responsible for the privacy practices of these external sites. We recommend reviewing the privacy policy of any third-party site you visit.
14. Changes to This Policy
We reserve the right to update this Privacy Policy at any time to reflect changes in our practices, legal requirements, or business operations. When we make material changes, we will update the "Last Updated" date at the top of this page. For significant changes, we may also notify you by email or by posting a prominent notice on our website.
Your continued use of our website after any changes constitutes your acceptance of the updated Privacy Policy. We encourage you to review this policy periodically.
15. Contact Our Privacy Officer
If you have questions, concerns, or requests related to this Privacy Policy or our data practices, please contact our designated Privacy Officer:
EMT Cash Privacy Officer
Email: privacy@emtcash.ca | Website: emtcash.ca/contact
Mailing Address: 123 Edward St, Ste 205, Toronto, ON M5G 1E2, Canada
We respond to all privacy inquiries within 30 days (Mon–Fri, 9 AM – 6 PM EST).
If you are unsatisfied with our response, you have the right to file a complaint with the Office of the Privacy Commissioner of Canada (OPC) at priv.gc.ca or by calling 1-800-282-1376.