Our Privacy Policy governs the collection, use and disclosure of personal information on cardinfo.ca (the “Site”). It outlines the type of information that the site and its editors (collectively, “we” or “us”) gather about the users of this Site (“you” or “your”) while they are using this Site and how we use that information. Please read this Privacy Policy carefully; by using this Site you agree that your use of this Site is governed by this Privacy Policy.

We are committed to maintaining the accuracy, security and confidentiality of your personal information. We have developed this website’s Privacy Policy to describe our specific privacy policies and practices, and how we collect, use and disclose the personal information of individuals who visit our Site. It is our policy to comply with the privacy legislation within each jurisdiction in which we operate. This Policy is based on the principles outlined in Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA). This Privacy Policy covers only those activities that are subject to the provisions of PIPEDA and provincial privacy laws, as applicable.

By using cardinfo.ca, you consent to the collection, use and disclosure of your personal information, as provided in this Privacy Policy. This Privacy Policy has a limited scope and application. Consequently, the rights and obligations contained in this Privacy Policy may not be available to all individuals or in all jurisdictions.

Privacy Policy Definitions

What Is Personal Information?

For the purposes of this Privacy Policy, personal information is any information about an identifiable individual, other than the person’s business title or business contact information when used or disclosed for the purpose of business communications.

What Personal Information do we collect?

You can visit our website without telling us who you are or revealing any information about yourself, including your email address. Our web server may collect information related to your visit to our website, including personal information: the IP address and domain used to access our website; the type and version of your browser; the time of your visit to our website; the website from which you entered our website, and the website to which you exit; any webpage that is viewed by that IP address; and what country you are from. We use this information to monitor and improve our website’s performance and also for our business purposes. In addition, we collect personal information that may include your full name, email address, age, income information, credit score, and other information.

How do we use cookies?

When you visit the website, we place a “cookie” on the hard drive of your computer to track your visit. A cookie is a small data file that is transferred to your hard drive through your web browser that can only be read by the website that placed the cookie on your hard drive. The cookie acts as an identification card and allows our website to identify you and to record your passwords and preferences. The cookie allows us to track your visit to the website so that we can better understand your use of our website so that we can customize and tailor the website to better meet your needs.

Most web browsers are set to accept cookies. However, on most web browsers you may change this setting to have your web browser either: (1) notify you prior to a website placing a cookie on your hard drive so that you can decide whether to accept the cookie; or (2) automatically prevent the placing of a cookie on your hard drive. It should be noted that if cookies are not accepted, you may not be able to access several web pages found on the website.

What about links to other websites?

Our website may contain links to other websites that may be subject to less stringent privacy standards. We cannot assume any responsibility for the privacy practices, policies or actions of the third parties that operate these websites. We are not responsible for how such third parties collect, use or disclose your personal information. You should review the privacy policies of these websites before providing them with personal information.

How do we use your Personal Information?

The personal information collected is used to provide, support and personalize the Site and our Services, and to make our Site, Services and advertising more relevant and useful to you and others. We do not sell your personal information to any third parties. However, we may share some information with trusted third parties as part of our business operations, so long as those parties agree to keep this information confidential. We may also disclose your personal information when we believe such release is necessary to comply with the law, enforce this Site’s policies, or protect ours or others’ rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses. We may collect, use or disclose your personal information without your knowledge or consent where we are permitted or required by applicable law or regulatory requirements to do so. Some of the personal information we collect may be stored or processed in jurisdictions outside of Canada, including the United States. As a result, this information may be subject to access requests from government, courts, or law enforcement in those jurisdictions according to laws in those jurisdictions.  

Understanding Consent

By using our website, you consent to the collection, use and disclosure of your personal information as explained in this Privacy Policy. You may change or withdraw your consent at any time, subject to legal or contractual restrictions and reasonable notice by sending us an e-mail at info@cardinfo.ca. In some circumstances, a change in or withdrawal of consent may severely limit our ability to provide products or Services to you. All communications with respect to such withdrawal or variation of consent should be in writing.

If you have any questions or concerns about our Privacy Policy, you may contact us by sending an e-mail to info@cardinfo.ca.

Revisions to this Privacy Policy

From time to time, we may make changes to this Privacy Policy to reflect changes in its legal or regulatory obligations or in the way we deal with your personal information. We will post any revised version of this Privacy Policy on our website, and we encourage you to refer to it on a regular basis. This Privacy Policy was last updated on June 1, 2022.

Interpretation of this Privacy Policy

Any interpretation associated with this Privacy Policy will be made by the managers of cardinfo.ca. This Privacy Policy includes examples but is not intended to be restricted in its application to such examples; therefore, where the word “including” is used, it shall mean “including without limitation.”

This Privacy Policy does not create or confer upon any individual any rights, or impose upon cardinfo.ca and its owners, any obligations outside of, or in addition to, any rights or obligations imposed by Canada’s federal and provincial privacy laws, as applicable. Should there be, in a specific case, any inconsistency between this Privacy Policy and Canada’s federal and provincial privacy laws, as applicable, this Privacy Policy shall be interpreted, in respect of that case, to give effect to, and comply with, such privacy laws.