EP collects and uses personal information solely for purposes related to its businesses. EP collects personal information primarily from you, for instance through applications and supporting documentation you provide, or through your ongoing interactions with EP such as references, employers, other financial institutions you have identified in your application, or credit bureaus and other third-party sources.
EP may collect and use personal information for purposes such as, but not limited to, the following:
EP limits the amount and type of personal information collected to that which is necessary for its identified purposes, and personal information is collected by fair and lawful means. Personal information collected includes:
EP may disclose personal information in a number of circumstances, including:
In addition to the above, personal information may be shared between the EP Group of Companies (including those located in other countries) for internal audit, management, billing, or administrative purposes, including defending and bringing legal actions.
In the course of fulfilling the purposes described above, EP may transfer your personal information to service providers, including affiliates or other third-party organizations or individuals retained by EP to perform functions on its behalf, such as marketing, data processing, customer service, office, security, collections, insurance, financial and taxation services. When personal information is transferred to service providers, EP utilizes contractual or other means to ensure that a comparable level of protection is provided. Some of EP’s service providers may be located outside of Canada, including in the United States or Europe, and will be subject to applicable legal requirements in the country in which they are located, including lawful requirements to disclose personal information to government authorities in certain circumstances.
EP may also use and disclose personal information in connection with the proposed or actual financing, securitization, insuring, sale, assignment or other disposal of all or part of its business or assets (including your loan or lease and any agreement to which it relates), for the purposes of evaluating and/or performing the proposed transaction. Assignees or successors of EP assets or business may use and disclose your personal information for similar purposes as those described in this Policy. EP hereby provides written notice of the sale, transfer and assignment of all present and future consumer loans and related agreements, and the use and disclosure of related personal information, in connection with the proposed and actual securitization of its consumer loans.
EP 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.
EP uses reasonable safeguards and other security standards to protect all personal information in its custody and control against loss or theft, as well as unauthorized access, disclosure, copying, use or modification, regardless of the format in which the information is held. Safeguards will vary depending on the sensitivity, format, location, and storage of the personal information. Only authorized employees, agents, partners and third parties who require access to personal information to fulfill their job requirements will have access to your personal information.
EP may establish and maintain a file containing an individual’s personal information for the purposes described above, which will be accessible at its offices. Individuals have the right to request access to or correction of their personal information that is held by EP. Requests must be made in writing, addressed to EP’s Privacy Officer as per the contact information set out at the end of this Policy. The Privacy Officer will respond to written requests within a reasonable period of time. Copies of records containing personal information may be subject to a fee. If this is the case, EP will inform the individual of the amount of the fee in advance. Best efforts will be used to ensure that personal information is as accurate, complete and up to date as necessary for the identified purposes. If an individual successfully demonstrates the inaccuracy or incompleteness of personal information, EP will amend the information as required. If access to personal information is denied, or there is disagreement regarding an assertion that information held by EP is incorrect, EP will provide a written explanation for such refusal and a description of the complaint’s procedure should an individual decide to challenge such written explanation. An individual’s right to access or correct personal information is subject to applicable legal restrictions. To prevent fraudulent access to the personal information stored by EP, reasonable steps may be taken to verify an individual’s identity before granting access or making corrections.
EP does not guarantee the confidentiality of any communications made by you via e-mail or otherwise through its websites. If you wish to provide information of a confidential or sensitive nature to EP, please contact EP directly by telephone at 1-888-825-9808 to arrange for delivery/transmission of such information by secure means.
In compliance with Google’s advertising policies, EP uses Google Adwords Search Engine Marketing (Pay Per Click) and Display Advertising (Remarketing and Google Display Network). Google AdWords Remarketing is utilized in compliance with the Google AdWords Interest-Based Advertising Policy, which means that you may see EP advertisements on Google and other third-party websites on the internet after visiting this website.
EP employs Google Analytics for Display Advertising, including Remarketing, Google Analytics Demographics and Interest Reporting, Google Display Network Impression Reporting, and the DoubleClick Campaign Manager integration. You have the choice to opt out of Google Analytics for Display Advertising and customize Google Display Network ads. For all the currently available opt-outs, please visit https://tools.google.com/dlpage/gaoptout.
Data collected through Google Analytics Demographics and Interest Reporting is utilized to better understand website visitors in terms of demographics and interests, to improve website content in order to cater to the appropriate audience, and to customize advertisements based on audience interests and demographics.
Consent to the collection, use and disclosure of personal information may be given in various ways. Consent can be express or implied. In some circumstances, where notice has been provided to you about EP’s intentions with respect to your personal information and you have not withdrawn consent, you will be considered to have consented for the purposes identified and described to you.
In certain circumstances, as permitted or required by law, EP may collect, use or disclose personal information without the knowledge or consent of the individual. These circumstances include but are not limited to: personal information that is publicly available as defined by regulation; where collection is clearly in the interests of the individual and consent cannot be obtained in a timely manner; where disclosure is made for the purposes of collecting a debt owed to EP; or to comply with a subpoena, warrant or court order.
Privacy Officer, Everyday People Financial Inc.
Suite 450, 11150 Jasper Ave, Edmonton, Alberta T5K 0C7
If you are not satisfied with EP’s response to a privacy-related matter, you may contact the Office of the Privacy Commissioner of Canada at 1-888-825-9808, or at https://www.priv.gc.ca., or in Quebec, Alberta or British Columbia, your provincial privacy regulator, as applicable.