This Privacy Statement applies to all Fresh Start Credit owned websites and domains, and our wholly owned subsidiaries (“Fresh Start Credit websites.")
Links to non Fresh Start Credit websites
Types of information we collect
This Privacy Statement covers personal information, non-personal data collection and aggregate reporting.
Personal information is information that is associated with your name or personal identity. Fresh Start Credit uses personal information to understand better your needs and interests and to provide you with better service. Once you choose to provide us with personal information, you can be assured it will be used only to support your customer relationship with Fresh Start Credit. We take seriously the trust you place in us. Fresh Start Credit will not sell, rent or lease your personal information to others.
On some pages and links at freshstartcredit.ca, you can order products or services, request information, subscribe to marketing or support materials, register yourself, or apply for a job at Fresh Start Credit. The types of personal information you provide to us on these pages may include name, address, phone number, e-mail address, user IDs and passwords, billing and transaction information, credit card information, contact preferences, educational and employment background, and job interest data.
Non-personal information is data about usage and service operation that is not associated with a specific personal identity. Fresh Start Credit collects and analyzes non-personal information to evaluate how visitors use the Fresh Start Credit website.
Non-personal data we collect may include the pages visited on the Fresh Start Credit websites, unique URLs visited within our website, browser type, and IP address. Most non-personal data is collected via cookies or other analysis technologies.
Fresh Start Credit is committed to protecting the privacy needs of children and we encourage parents and guardians to take an active role in their children's online activities and interests. Fresh Start Credit does not knowingly collect information from children under the age of 13 and Fresh Start Credit does not target its website to children under 13.
How we use your information
Fresh Start Credit uses your personal information to provide you with services and to help us better understand your needs and interests. Specifically, we use your information to help you complete a transaction or order, to communicate with you, to provide service and support, to update you on services and benefits, to personalize promotional offers and to personalize the Fresh Start Credit website. Occasionally we may also use your information to contact you for market research regarding Fresh Start Credit products or services. We will give you the opportunity to choose your privacy preferences regarding such communications. You may, at any point, contact us to request an opt-on on future communication. Credit card information is used only for payment processing and fraud prevention. This information is not used for any other purpose by our financial services providers or Fresh Start Credit and will not be kept longer than necessary for providing the services, unless you ask us to retain your credit card information for future purchases.
Personal data collected online may also be combined with information you provide Fresh Start Credit through other sources such as product registration, call centers or public events such as trade shows or seminars.
Personal data given to Fresh Start Credit may be transferred across state, provincial and/or country borders for the purposes of data consolidation, storage and simplified customer information management.
Non-personal data is aggregated for reporting about Fresh Start Credit website usability, performance and effectiveness. It is used to improve the customer experience, usability and site content.
Who we share your information with
Fresh Start Credit will not sell, rent or lease your personal information to others. Fresh Start Credit will not share your personal information with third parties except in responding to your requests for products or services. Your permission will be requested when you submit your information. Fresh Start Credit shares customer information across Fresh Start Credit -owned business entities and companies working on our behalf, but only as required to meet your product or service requirements.
Fresh Start Credit occasionally may contract with third-party service providers and suppliers to deliver complete products, services and customer solutions. Suppliers and service providers are required to keep confidential the information received on behalf of Fresh Start Credit and may not use it for any purpose other than to carry out the services they are performing for Fresh Start Credit. These service providers may change or we may contract with additional service providers to better accommodate our customers. Fresh Start Credit will not share personal information with any other third parties without your permission, unless required by law enforcement action, subpoena, or local law.
Fresh Start Credit or its related entities could merge with or be acquired by another business entity or some or all of their respective assets could be acquired. If such a combination or acquisition occurs, Fresh Start Credit will make every reasonable effort to notify you in the event we share with the merging or acquiring entity some or all of your personal information to continue serving you.
Fresh Start Credit gives you the choice of receiving a variety of information that complements our products and services. You can subscribe to receive certain product- and service-specific information and Fresh Start Credit -wide marketing communications. Fresh Start Credit -wide communications may include new product information, special offers, or an invitation to participate in market research. We give you a choice regarding delivery of Fresh Start Credit -wide communications by postal mail, e-mail and telephone. You can make or change your choices at the data collection point. We will make every effort to honour your preferences. This option does not apply to communications for the purpose of administering order completion, contracts, support, product safety warnings or driver updates.
Your information and third-party companies
Certain Fresh Start Credit services are linked with those from unrelated third-party companies, some which offer you the option to share with both Fresh Start Credit and the third party personal data you provide. We will not share your personal information with those third-party companies unless you make that choice.
Access to and accuracy of your information
Fresh Start Credit strives to keep your personal information accurate. We have implemented technology, management processes and policies to maintain customer data accuracy. We will provide you with access to your information, including making reasonable effort to provide you with online access and the opportunity to change your information. To protect your privacy and security, we will also take reasonable steps to verify your identity, such as a password and user ID, before granting access to your data. Certain areas of Fresh Start Credit’s websites may limit access to specific individuals through the use of passwords and other personal identifiers.
Keeping your information secure
Fresh Start Credit is committed to protecting the information you provide us. To prevent unauthorized access or disclosure, to maintain data accuracy, and to ensure the appropriate use of the information, Fresh Start Credit has in place appropriate physical and managerial procedures to safeguard the information we collect.
We use Secure Sockets Layer (SSL) encryption when collecting or transferring sensitive data such as credit card information. SSL encryption is designed to make the information unreadable by anyone but us. This security measure is working when you see either the symbol of an unbroken key or closed lock (depending on your browser) on the bottom of your browser window.
Credit card numbers are used only for processing payment and are not used for other purposes. As part of real-time payment processing, Fresh Start Credit subscribes to a fraud management service. This service gives you and Fresh Start Credit an extra level of security to guard against credit card fraud to protect your financial data.
This privacy statement applies to Canada.