Privacy Policy Of Snaplii

Privacy Policy Of Snaplii

This Snaplii Privacy Policy is effective as of January 1, 2021. Snaplii is committed to maintaining the accuracy, confidentiality, and security of your personally identifiable information (“Personal Information”). As part of this commitment, our privacy policy governs our actions as they relate to the collection, use and disclosure of Personal Information. The privacy policy of Snaplii is based upon the values set by the Canadian Standards Association’s Model Code for the Protection of Personal Information and Canada’s Personal Information Protection and Electronic Documents Act.

1 Introduction

Snaplii is responsible for maintaining and protecting the Personal Information under our control. Snaplii has designated an individual or individuals who is/are responsible for compliance with our privacy policy.

2 Identifying Purposes

Snaplii collects, uses and discloses Personal Information to provide you with the product or service you have requested and to offer you additional products and services we believe you might be interested in. The purposes for which Snaplii collects Personal Information will be identified before or at the time Snaplii collects the information. In certain circumstances, the purposes for which information is collected may be clear, and consent may be implied, such as where your name, address and payment information is provided as part of the order process. We have set out below how we collect and use personal information through our products, services and other interactions with you:

Loan Application: When you apply for a loan we may collect certain information about you, such as your name, email address, phone number, mailing address, date of birth, purpose of the loan, and credit related information, including certain information from your Canadian credit bureau file. We use this information to perform a credit check to verify your eligibility for a loan and your creditworthiness. We may also request certain additional information, such as information from your telecommunications provider, or government issued identification and a photograph of yourself to verify your identity and to comply with our anti-money laundering obligations under applicable law.  

Pre-authorized debit agreement: When you sign-up for pre-authorized debit payments, we collect your name, email and certain financial information, such as institution number, transit number, and account number in order to provide this service to you. 

Account Related Communications: If you sign-up for an account, we will collect your email address and may send you electronic communications such as account notifications, and monthly statements. 

3 Consent

Knowledge and consent are required for the collection, use or disclosure of Personal Information except where required or permitted by law. Providing Snaplii with your Personal Information is always your choice. However, your decision not to provide certain information may limit our ability to provide you with our products or services. Snaplii will not require you to consent to the collection, use, or disclosure of information as a condition to the supply of a product or service, except as required to be able to supply the product or service.

4 Limiting Collection

The Personal Information collected will be limited to those details necessary for the purposes identified by Snaplii. With your consent, we may collect Personal Information from you via the mobile wallet application Snaplii, in person, over the telephone or by corresponding with you via mail, facsimile, or the Internet. Snaplii does not collect, process, or use any information relating to an individual under 18 years of age without the prior consent of the child’s parent or legal guardian.

Snaplii does not intend its app or website for children, and has no intention of collecting personal information from children under 18 years of age. If you discover that your child has provided Snaplii with personal information, Snaplii asks that you contact Snaplii to have this information deleted from its record.

5 Limiting Use, Disclosure and Retention

Personal Information may only be used or disclosed for the purpose for which it was collected unless you have otherwise consented, or when it is required or permitted by law.Snaplii makes reasonable efforts to prevent unauthorized use, sharing, loss and theft of information. Snaplii regularly audits the security measures and assess that they remain effective and appropriate. Our employees who have access to your information are made aware of the importance of keeping it confidential. Information may be shared with or accessed by our service providers, so that they can perform services on our behalf. Snaplii is careful when selecting the service providers and requires them to have privacy and security standards that meet Snaplii’s requirements. Snaplii uses contracts and other measures with the service providers to maintain the confidentiality and security of your information and to prevent it from being used for any other purpose other than that for which it was intended.

The length of time Snaplii keeps your information will vary depending on the product or service and the type of information Snaplii has. Snaplii keeps your information for as long as Snaplii reasonably needs it for customer service, legal or reasonable business purposes. When your information is no longer required, Snaplii securely destroys it or deletes personally identifiable information. Depending on the nature of the information, your information may be stored in Snaplii office, in various computer systems or in the record storage facilities of Snaplii or our service providers.

Information may be stored and processed in any country where Snaplii have service providers. By using products or services of Snaplii, you consent to the transfer of information to countries outside of Canada — including the United States — which may provide different data protection rules. Snaplii, service providers and other third parties, with whom Snaplii shares information under this policy, may perform activities outside of Canada. As a result, your information may be securely used, stored or accessed in other countries and be subject to the laws of those countries.

6 Accuracy

Personal Information will be maintained in as accurate, complete and up-to-date form as is necessary to fulfill the purposes for which it is to be used.

7 Safeguarding Customer Information

Personal Information will be protected by security safeguards that are appropriate to the sensitivity level of the information. Snaplii takes all reasonable precautions to protect your Personal Information from any loss or unauthorized use, access or disclosure.

8 Openness

Snaplii will make information available to you about our policies and practices with respect to the management of your Personal Information.

9 Customer Access

Upon request, you will be informed of the existence, use and disclosure of your Personal Information, and will be given access to it. You may verify the accuracy and completeness of your Personal Information, and may request that it be amended, if appropriate. However, in certain circumstances permitted by law, we will not disclose certain information to you. For example, we may not disclose information relating to you if other individuals are referenced or if there are legal, security or commercial proprietary restrictions.

10 Handling Customer Complaints and Suggestions

You may direct any questions or enquiries with respect to our privacy policy or our practices by contacting:

customerservice@snaplii.com

Additional Information

Cookies

A cookie is a small computer file or piece of information that may be stored in your computer’s hard drive when you visit our websites. We may use cookies to improve our website’s functionality and in some cases, to provide visitors with a customized online experience.

Cookies are widely used and most web browsers are configured initially to accept cookies automatically. You may change your Internet browser settings to prevent your computer from accepting cookies or to notify you when you receive a cookie so that you may decline its acceptance. Please note, however, if you disable cookies, you may not experience optimal performance of our website.

Other Websites

Our website may contain links to other third party sites that are not governed by this privacy policy. Although we endeavour to only link to sites with high privacy standards, our privacy policy will no longer apply once you leave our website. Additionally, Snaplii is not responsible for the privacy practices employed by third party websites. Therefore, we suggest that you examine the privacy statements of those sites to learn how your information may be collected, used, shared and disclosed.