Privacy policy

1. Introduction

Prêt Auto Expert ("we", "our" or "the company") is committed to protecting the personal information of its clients and visitors in accordance with Law 25 on personal information protection in Quebec and the Act respecting the protection of personal information in the private sector (LPRPSP).

This policy describes how we collect, use, disclose and protect your personal information when you use our website or our car financing services.

2. Information collected

We collect the following categories of personal information:

• Identification information: name, address, phone number, email, date of birth, driver's license.
• Financial information: income, employment status, credit situation, monthly budget, banking information.
• Navigation information: IP address, pages visited, visit duration, browser type (collected in aggregate and anonymous manner).

3. Consent (Law 25)

In accordance with Law 25, we obtain your consent for the collection, use and disclosure of your personal information. This consent is:

• Free and informed : you are informed of the purposes of collection before giving your consent.
• Specific to each purpose : a separate consent is obtained for each collection purpose.
• Revocable at any time : you can withdraw your consent, subject to ongoing contractual obligations.

4. Use of information

Your personal information is used for the following purposes:

• • Processing and evaluating car financing applications
• • Communication with partner lenders to obtain approvals
• • Selecting and reserving vehicles in our inventory
• • Customer service and file follow-up
• • Compliance with legal and regulatory obligations
• • Improving our services and user experience

5. Disclosure to third parties

We disclose your personal information only to the following third parties, and only to the extent necessary: partner lenders and financial institutions (for credit application evaluation), car dealerships (for vehicle availability), technology service providers (secure data hosting), and government authorities if required by law.

6. Data security

We implement technical, organizational and physical measures to protect your personal information against unauthorized access, disclosure, alteration or destruction. These measures include data encryption, strict access controls, and regular security audits. In the event of a confidentiality incident involving your personal information, we will notify you in accordance with Law 25 requirements.

7. Your rights (Law 25)

In accordance with Law 25, you have the following rights:

• Right of access : consult the personal information we hold about you.
• Right to rectification : have inaccurate or incomplete information corrected.
• Right to erasure : request the deletion of your information, subject to legal obligations.
• Right to withdraw consent : at any time, for a specific collection purpose.
• Right to portability : receive a copy of your information in a structured format.

8. Data retention

We retain your personal information only for as long as necessary for the purposes for which it was collected, or in accordance with legal retention obligations. After this period, the information is securely destroyed or anonymized.

9. Cookies and tracking technologies

Notre site web utilise des cookies et technologies similaires pour améliorer votre expérience de navigation, analyser le trafic et personnaliser le contenu. Vous pouvez gérer vos préférences de cookies via les paramètres de votre navigateur. Les cookies essentiens au fonctionnement du site ne peuvent pas être désactivés.

10. Privacy officer

To exercise your rights, request information or file a complaint regarding the processing of your personal information, you can contact our privacy officer:

11. Changes to this policy

This policy may be updated periodically to reflect changes in our practices or to comply with legal developments. The last updated date is shown at the top of this page.