Personal Information We Collect:
CAPITAL PAYDAY LOANS and its representatives and agents collect personal information in a number of circumstances in the course of providing you with products and services and otherwise administering our business. We collect personal information primarily from you, for instance through loan applications and supporting information and documentation you provide. In connection with processing your loan application, we may collect personal information from references, employers and other financial institutions you have identified in your loan application as well as credit bureaus and other third party sources. We may also collect personal information about you through your ongoing interactions with us. Personal information we collect includes:
information you provide to us on new customer cards, loan applications, account set-up screens, and other forms including your name, address, telephone number, email address, social insurance number (if provided), driver’s license or other government photo ID,
information about your employment, length at address, spouse or partner’s contact information, references, salary, pay dates and other contact, financial or biographical information you provide to us;
bank statements, phone/utility bills, cheque or pay stubs and voided cheques; information about your transactions with us, our affiliates, or other non-affiliated third parties, including how often you visit our stores, your recent transactions, size of cheques, telephone requests, services purchased and other retail transaction information;
information you provide to us on our website, including your name, address, email address and telephone number, to register for our website or receive marketing materials, or information you provide in an online survey; and other information we may collect with your consent or as permitted or required by law.
How We Use Your Information:
CAPITAL PAYDAY LOANS uses personal information in the course of its business including for the purposes of establishing and verifying identity and the accuracy and completeness of other information provided, verifying creditworthiness and determining eligibility for loan amounts, verifying and determining employment, references and contact information for underwriting, debt collection and fraud avoidance; servicing loans, providing ongoing services and responding to questions, contacting customers for the purposes of administering their account, confirming contact information and collecting debts, administering our business and maintaining records for reasonable periods, meeting legal, regulatory, insurance, security and processing requirements, preventing fraud or abuse, and otherwise with your consent or as permitted or required by law. If you consent, we may also use your personal information to send you marketing materials or other information regarding CAPITAL PAYDAY LOANS products and services. We may also disclose your personal information to affiliates or financial institutions with whom we have a joint marketing agreement, and with unaffiliated third parties who license CAPITAL PAYDAY LOANS software, so that they may send you information about their own products and services. If you no longer want to receive marketing materials from us or no longer want us to share your personal information as described above, please call 613-725-LOAN (5626) or contact us at
Who We Share It With:
CAPITAL PAYDAY LOANS may disclose personal information to credit bureaus, credit reporting agencies and to your current or future creditors for the purpose of maintaining your credit history and providing credit references. CAPITAL PAYDAY LOANS may disclose personal information to collect debts itself or to collect debts through collection agencies including affiliates acting in this capacity. CAPITAL PAYDAY LOANS may disclose personal information to organizations who help us locate customers for debt collections purposes. CAPITAL PAYDAY LOANS may also disclose personal information to financial institutions for payment processing purposes. If you consent, we may disclose your personal information to affiliates or financial institutions with whom we have a joint marketing agreement, and with unaffiliated third parties who license CAPITAL PAYDAY LOANS’ software, so that they may send you information about their own products and services. If you no longer want to receive marketing materials from us or no longer want us to share your personal information as described above, please call 613-725-LOAN (5626) or contact us at We may transfer personal information to outside agents or service providers (including affiliates of CAPITAL PAYDAY LOANS acting in this capacity) so that they may perform administrative, marketing or similar services on our behalf, or otherwise collect, use, disclose, store or process personal information on our behalf for the purposes described in this policy. Some of these service providers or affiliates may be located outside of Canada, including in the United States, and your personal information may be collected, used, disclosed, stored and processed in the United States or elsewhere outside of Canada for the purposes described in this policy. Reasonable contractual or other measures we may take to protect your personal information while processed or handled by these service providers are subject to legal requirements in Canada, the United States and other foreign countries applicable to our affiliates, agents and service providers, for example lawful requirements to disclose personal information to government authorities in those countries. CAPITAL PAYDAY LOANS may use personal information and disclose it to parties connected with the proposed or actual financing, securitization, insuring, sale, assignment or other disposal of all or part of our business or assets, for the purposes of evaluating and/or performing the proposed transaction. These purposes may include, as examples, permitting those parties to determine whether to proceed or continue with the transaction and fulfilling reporting, inspection or audit requirements or obligations to those parties. Assignees or successors of CAPITAL PAYDAY LOANS may use and disclose your personal information for similar purposes as those described in this policy. CAPITAL PAYDAY LOANS may disclose your personal information as necessary to meet legal, regulatory, insurance, audit, and security requirements, and as otherwise with your consent or as permitted or required by law (including as required by applicable Canadian and foreign laws applicable A (should be to) CAPITAL PAYDAY LOANS or our agents and service providers, and including lawful requirements to disclose personal information to government authorities in those countries).
CAPITAL PAYDAY LOANS takes reasonable steps to protect your personal information using physical, electronic or procedural security measures appropriate to the sensitivity of the information in our custody or control, which may include safeguards to protect against loss or theft, as well as unauthorized access, disclosure, copying, use or modification. Authorized employees and agents of CAPITAL PAYDAY LOANS who require access to your personal information in order to fulfill their job requirements will have access to your personal information.
Access and Correction of Your Personal Information:
If you wish to request access or correction of your personal information in our custody or control, you may write to us at the contact information provided above. Your right to access or correct your personal information is subject to applicable legal restrictions. We may take reasonable steps to verify your identity before granting access or making corrections.