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Crédit Yamaska

Privacy Policy

  1. Crédit Yamaska aims to keep your trust while handling your personal information.
  2. Crédit Yamaska is subject to federal and provincial laws relating to privacy, including the Personnal Information Protection and Electronic Documents Act.
  3. Crédit Yamaska takes very seriously all matters relating to confidentiality and takes the necessary measures to comply with these laws. By personal information, we mean information about you that you provide to us voluntarily and that identifies you.
  4. Concerning the personal information you provide, only authorized people will respond to applications for which they are provided access to. At no time this information will be showed publicly, sold, or disclosed to third parties without your consent, except for the service for which you are registered or to comply with a court order.
  5. The personal information we collect is used only to respond to online requests you submit to us.
  6. As for using your email address, Crédit Yamaska will only use it to provide you information about your file of for communications with you, at your request.
  7. Crédit Yamaska respects many rules to protect your personal information:
    • We do not disclose information about you without first obtaining your consent;
    • If your application is denied, all documents relating to your application are automatically destroyed;
    • To protect personal information about your application, Crédit Yamaska is hosted by a secure server. In addition, the secure transmission of information is done via an SSL connection.
  8. Crédit Yamaska cannot be liable to you or anyone else for any damages whatsoever and regardless of the cause, which may result from the sites or the information or be linked, in any action or decision that you take relying on the site or the information contained therein, or any error or omission in the site or the information.
  9. Categories of personal information we collect:
    • Information about you on the application form: name, gender, birth date, phone number, address, email address, occupation, employer, language preference, personal identification (id, social insurance number, driving license, health insurance card);
    • Information about your transactions with us or third parties, such as account numbers, account balances, record of payment and account activities;
    • Information we receive from your employer;
    • Reports we receive from credit desks.
  10. Purposes for which we collect your personal information:
    • Make decisions on applications, including verification of your identity;
    • In the case of a social insurance number, for verification with a credit desk;
    • Assess your creditworthiness, monitor, service and collection of your account
  11. Cookies are used on our site. They identify your browser software when you move from site to site or page to page during a Web session. This information can then be used to identify you and facilitate your access to a site and your ability to navigate within our site. Cookies can only be read by the website that sends them to your computer.

  12. When you access our site directly or through a publicity redirecting to our site, a cookie file is automatically created in your computer. Our server and possibly third party ad servers can access this file in order to improve your experience on our site and in some instances promote our products. While they enable the site to identify you as a specific user, they don't recognize you by your name or other personal information. No personal information is collected through cookies.

  13. We may collect information for statistical purposes, for instance, to determine a page's popularity, the average number of pages accessed per visitor, and the average time each visitor spends on the site. Cookies may also allow us to display  publicity if you access an external site which displays those publicities.

  14. Crédit Yamaska uses Google Analytics. The service is provided by Google Inc. (hereinafter "Google"). Crédit Yamaska uses first-party identifiers and third-party identifiers in conjunction with third-party vendors. Google Analytics uses cookies and other unique identifiers, which are anonymous identifiers placed on your computer material. They help us to analyze your use of the Sites and Applications. The traffic data collected through cookies and other unique identifiers particularly pertains to your use of the Sites and Applications (including your IP address). Google transmits the data and stocks it on servers in the United States. Google may share this data with third parties where legally obligated or when a third party is processing data for a Google account. No information allowing Google to identify you will be transmitted.

    Google will use the information collected to:

    • analyze your use of the Sites and Applications

    • compile reports on Site and Application activity

    • provide other services related to Site and Application activity as well as Internet use

  15. When browsing, you can deactivate Google Analytics and/or DoubleClick by selecting the appropriate browser or computer tool parameters, advertising parameters, mobile advertisement parameters or other, notably the Google Analytics opt-out browser add-on.

    By using the Sites or Applications, you expressly agree to allow Google to process personal data under the conditions and for the purposes outlined above.