Rentcreda is owned and operated by Rentcreda.Incorporated. Rentcreda values your privacy and the protection of your personal data. This privacy policy describes what information we collect from you, how we collect it, how we use it, how we obtain your consent, how long we keep it in our databases and, if necessary, with whom we share it. By using the website, you are accepting the practices described in this privacy policy. Your use of the website is also subject to our terms and conditions. In this privacy policy, the words "website" refer to the Rentcreda website, "we", "us", "our", and "Rentcreda" refers to Rentcreda, and "you", "client", and "user" refers to you, the user and client of Rentcreda. This privacy policy may change from time to time. Your continued use of the website after we make changes to this privacy policy will be deemed acceptance of those changes, so please check this policy periodically for updates. This privacy policy has been prepared and is maintained in accordance with all applicable national and international laws and regulations and, in particular, the Personal Information Protection and Electronic Documents Act (PIPEDA - Canadian regulations).
The personal data of users that are collected and processed through: • https://www.rentcreda.com Will be under the responsibility and in charge of: • RentCreda.Incorporated. • (Info@rentcreda.com, 6474975367.)
By visiting the website, registering as a user, using and applying our credit building services, using and applying our rental loan services, subscribing to our newsletter, contacting us through our contact information and contact forms, and providing us with personal information to communicate with you, you consent to our collection, storage and use of your information on the terms set forth in this privacy policy. You may withdraw your consent at any time by sending us your request through our contact information.
The information we collect from our users helps us to continually improve the user experience on the website and provide our services appropriately. These are the types of information we collect: Information you provide to us.You provide information when you visit the website, register as a user, use and apply our credit building services, use and apply our rental loan services, subscribe to our newsletter, contact us through our contact information and contact forms, and provide us with personal information to communicate with you. As a result of those actions, you may provide us with the following information: • First and last name • Date of birth • E-mail address • Phone • Address • Bank details of tenants and landlords • Rental agreement information • Any additional information related to you that you provide to us directly or indirectly through our website. Rentcreda will not collect any personally identifiable information about you unless you provide it. Automatic Collection of Information: As you browse our website, certain usage data is automatically collected. These include technical information such as the IP address of your device, the type and version of your browser, the specific pages you visit on our website, the date and time of your access, the amount of time you spend on those pages, and other diagnostically relevant data. In the case of access via mobile devices, we also collect information specific to these devices. This may include, but is not limited to, the type of mobile device used, its unique identifier, the IP address of the device, the mobile operating system and the type of mobile browser, along with other identifiers and diagnostic data. In addition, we collect information that your browser automatically provides each time you visit our website or access our website using a mobile device. Payment information: Your payment details will be processed by the payment processors and payment methods available on this website, which will process and store your details securely and solely for the purpose of processing debit and credit payments. Rentcreda reserves the right to engage any payment processor available. See the privacy policy of Interac e-Transfer and PayPal here: • https://www.interac.ca/en/legal/#interac-ca-privacy-policy • https://www.paypal.com/us/legalhub/privacy-full GOOGLE Analytics. We use Google Analytics provided by Google, Inc., USA (“Google”). These tool and technologies collect and analyse certain types of information, including IP addresses, device and software identifiers, referring and exit URLs, feature use metrics and statistics, usage history, media access control address (MAC Address), mobile unique device identifiers, and other similar information via the use of cookies. The information generated by Google Analytics (including your IP address) may be transmitted to and stored by Google on servers in the United States. We use the GOOGLE Analytics collection of data to enhance the website and improve our service. Please consult Google's privacy policy here: • https://policies.google.com/privacy Social Media: On our website, we provide you with a variety of links and tools that allow you to interact with various social networks. You are welcome to use these functions to share your information as you wish. However, we strongly recommend that you review the privacy and data protection policies of each of the social networks you use through our website to understand how they handle your personal information. • Facebook: https://www.facebook.com/privacy/explanation • Instagram: http://instagram.com/about/legal/privacy/ • Linkedin: https://www.linkedin.com/legal/privacy-policy Contact information: We may access some personal information about the user, such as name and email address, when the user or any third party communicates with us through our contact information. Personal information provided through our contact information is not stored on any Rentcreda server and will be stored on the respective server of our email service.
Personal data provided by our users through our website and services will be retained for as long as necessary to properly provide our services and fulfil the legitimate purposes described in this policy in section 5 or until the user closes the user account or requests deletion of their data. Rentcreda may retain personal data for a longer period provided that the user has consented to such processing, as long as such consent is not withdrawn. In addition, Rentcreda may be obliged to retain personal data for a longer period provided that this is required for compliance with a legal obligation or by order of an authority. Once the retention period has expired, the personal data will be deleted. Therefore, the right of access, the right of deletion, the right of rectification and the right to data portability cannot be asserted after the retention period has expired.
• By making use of the credit building services offered by Rentcreda, the client, as a tenant, accepts and acknowledges that his/her participation in this service is intended to assist him/her in building and improving his/her credit history by recording and reporting his/her monthly rental payments. In connection with this service, a membership fee of $20.00 will be charged on the total amount of the monthly rent. Additionally, a service fee of $9.99 will be charged and added to the monthly rent amount.
• Clients must provide accurate and truthful information about their rental payments and consent to such information being used for reporting to credit bureaus. This consent includes authorization to share tenant payment history information with the relevant credit bureaus. • Timely compliance with rental payments is essential to the effective utilization of this credit building service. Late payments may not only incur additional charges, but may also negatively affect the tenant's credit history.
• This service is intended exclusively for tenants who are of legal age and possess full legal capacity to contract. Participation in the credit building program is subject to additional terms and conditions that may include, but are not limited to, credit checks and meeting certain financial criteria.
• We reserve the right to make changes or modifications to the terms and conditions of this credit building service. These changes will be communicated to users with adequate notice and your continued use of the service following such modifications will constitute acceptance of the new terms.
In general, we use the data we collect primarily to provide, maintain, protect and improve our website and to provide our services properly. We use the data collected through our website as described below: • User registration. • Process applications to our loan origination services. • Process applications for our rental loan services. • Perform background and credit history checks on applicants for our services. • Process loan repayments. • Process automatic payments authorised by the client. • Communicate the loan approval or denial decision to the applicant. • Understand and improve your experience using our website. • Respond to your comments or questions through our support service. • Send you related information, including confirmations, invoices, technical notices, updates, security alerts, and support and administrative messages. • Send you relevant information about our website and services. • Marketing purposes of Rentcreda. • Link or combine your information with other data we obtain from third parties to help us understand your needs and provide you with better service. • Protect, investigate and deter fraudulent, unauthorised or illegal activities.
Information about our clients is an important part of our business, and we are not in the business of selling it to others. We share client information only as described below.
Third-Party Service Providers:Third-Party Service Providers.We use third-party services to perform certain functions on our website. Some of these functions and services include: Website hosting, sending emails, processing payments (Interac e-Transfer, PayPal), and data analysis (Google Analytics).
These third-party services and tools may have access to personal information needed to perform their functions, but may not use that information for other purposes. Information shared with these third-party services will be treated and stored in accordance with their respective privacy policies and our privacy policy.
Background and credit checks: To ensure the suitability and security of our operations, we will conduct background and credit checks on all applicants for loans and rental services. This process involves the collection and analysis of personal and financial information in accordance with applicable data protection and privacy laws. By applying for our services, you explicitly consent to such checks and the use of your information for these purposes.
Marketing: By using our services and website, you consent to the use of your personal information, including name and email address, for the sole purpose of receiving communications about our website and services. Rentcreda respects your privacy and does not share this information with unauthorised third parties. If you wish to stop receiving marketing communications, you can unsubscribe at any time by using the "unsubscribe" option available in the same marketing emails or by sending your request through our contact information.
Business Transfers: In the event Rentcreda creates, merges with, or is acquired by another entity, your information will likely be transferred. Rentcreda will send you an email or post a prominent notice on our website before your information becomes subject to another privacy policy.
Protection of Rentcreda and Others. We release personal information when we believe release is appropriate to comply with the law, enforce or apply our terms and conditions and other agreements, or protect the rights, property, or safety of RentCreda, our users, or others. This includes exchanging information with other companies and organisations for fraud protection and credit risk reduction.
Anonymous Information: Rentcreda uses anonymous browsing information collected automatically by our servers primarily to help us administer and improve the website. We may also use aggregated anonymous information to provide information about the website to potential business partners and other unaffiliated entities. This information is not personally identifiable.
In the event of a security breach that compromises the confidentiality of the personal data of our users, Rentcreda undertakes to notify those affected in a timely manner. This notification will be made through the means of contact that have been provided by the user on our website. We will take all reasonable measures to protect the information and remedy any situation that compromises the security of your data.
By using our website, you agree that your personal data may be transferred to and processed outside of Canada, where data protection laws may differ. Rentcreda is committed to taking the necessary steps to ensure that your data is treated in accordance with applicable privacy protection standards and is adequately protected during any international transfer.
We grant access to your personal information only to those outside persons or services that have a legitimate need to know it and in accordance with our privacy policy. We adhere to industry-recognised security standards to protect your personal information, both during transmission and in storage. However, it is important to note that no method of transmission over the Internet or electronic storage is foolproof and 100% secure. Therefore, while we at Rentcreda strive to implement commercially viable data protection methods, we cannot ensure absolute security of your personal information. We undertake not to sell, distribute or transfer your personal data to unauthorised third parties, unless we have your explicit consent or are required by law to do so.
Users who provide information through our website, as data subjects, have the right to access, rectify, download or delete their information, as well as to restrict and oppose certain processing of their information. While some of these rights apply generally, others only apply in certain limited circumstances. These rights are described below: • Access and portability: to access and know what information is stored on our servers, you can send us your request through our contact information. • Rectification, restriction, limitation and deletion: You may also rectify, restrict, limit or delete much of your information. • Right to be informed: Users of our website will be informed, upon request, about what data we collect, how it is used, how long it is kept and whether it is shared with third parties. • Object: Where we process your data based on our legitimate interests, as explained above, or in the public interest, you may object to this processing in certain circumstances. In such cases, we will stop processing your information unless we have legitimate grounds to continue processing it or where necessary for legal reasons. •Withdraw consent: Where you have previously given your consent, for example to allow us to process and store your personal information, you have the right to withdraw your consent to the processing and storage of your information at any time. For example, you can withdraw your consent by updating your settings. In certain cases, we may continue to process your information after you have withdrawn your consent if we have a lawful basis for doing so or if your withdrawal of consent was limited to certain processing activities. • Complaint: If you wish to lodge a complaint about our use of your information (and without prejudice to any other rights you may have), you have the right to do so with your local supervisory authority. Users may exercise all of these rights by contacting us via the contact information or contact page. • Rights related to automated decision-making, including profiling: Users may request that we provide them with a copy of the automated processing activities we conduct if they believe that data is being unlawfully processed. Users or holders of personal data provided through the platform may exercise these rights over their personal data at any time and without limitation by sending their request through our contact information. The request to exercise their rights will be attended and answered within a maximum period of 10 working days.
We comply with the requirements of national and international data protection regulations regarding the protection of personal data of children. Our services are intended for persons over the age of 18, therefore we do not collect any information from persons under the age of 18. If we become aware that a child under the age of 18 has provided us with personal information, we will take steps to delete that information.
Except as expressly included in this privacy policy, this document only addresses the use and disclosure of information that Rentcreda collects from you. If you disclose your information to third parties, different rules may apply to their use or disclosure of the information you disclose to them. Rentcreda does not control the privacy policies of third parties, and you are subject to the privacy policies of such third parties where applicable. Rentcreda is not responsible for the privacy or security practices of third parties, including those linked to or from the website. Please refer to the privacy policies of any third-party websites or services you access through the website.
We reserve the right to change our privacy policy at any time. Changes will be notified to our users, clients or patients in a timely manner and posted on the website. Your continued use of our website and our services following these changes constitutes acceptance of the changes.
If you have questions or concerns about this privacy policy and the treatment and security of your data, please contact us using the contact information below:
Rentcreda.Incorporated.