Last updated: January 1, 2025 · Effective date: January 1, 2025
CarFinance 101 (operating at carfinance101.com) is a loan-matching and financial advisory referral service based in Ontario, Canada. We are not a bank, credit union, or direct lender. We connect individuals seeking automotive financing with third-party lenders and financial institutions.
References to "we", "us", or "our" in this policy refer to CarFinance 101. Our primary contact for privacy matters is reachable at info@autofinancebrokers.com or by phone at 289 906 7864.
We are committed to complying with all applicable Canadian and Ontario privacy laws, including:
Where provincial and federal laws overlap, we apply the standard that offers the greatest protection to individuals.
When you submit an inquiry or application through our website, we may collect:
When you visit our website, we may automatically collect:
If you complete our SMS phone verification process, we collect confirmation that your phone number has been verified. We do not store the one-time verification codes themselves after verification is complete.
Under PIPEDA, we are required to identify the purposes for which personal information is collected at or before the time of collection. We use your information for the following purposes:
We will not use your personal information for any purpose other than those identified above without first obtaining your express consent.
With your consent, we share your application information with lenders and financial institutions in our referral network for the purpose of assessing your eligibility for auto financing. These partners are required to handle your information in accordance with applicable privacy laws.
We use third-party service providers to operate our website and deliver our services. These include:
These providers are authorized to use your personal information only as necessary to provide services to us and are bound by confidentiality obligations.
We do not sell, rent, trade, or otherwise transfer your personal information to third parties for their own marketing purposes.
We may disclose your information if required by law, court order, or governmental authority, or if we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
By submitting our application form and checking the consent acknowledgement, you provide express consent under Canada's Anti-Spam Legislation (CASL) to receive commercial electronic messages from CarFinance 101, including:
Standard text messaging and data rates from your mobile carrier may apply. Message frequency varies based on your application status and communication preferences. You may opt out of SMS communications at any time by replying STOP to any message we send. Reply HELP for assistance.
You may withdraw your consent to receive electronic communications at any time by contacting us at info@autofinancebrokers.com or by replying STOP to any SMS. Withdrawal of consent does not affect the lawfulness of communications sent prior to withdrawal.
We retain your personal information only for as long as necessary to fulfill the purposes identified in this policy, or as required by applicable law. In general:
After the applicable retention period, personal information is securely deleted or anonymized.
We implement appropriate technical and organizational safeguards to protect your personal information against unauthorized access, disclosure, alteration, or destruction. These measures include:
No method of transmission or storage is 100% secure. In the event of a privacy breach that poses a real risk of significant harm, we will notify affected individuals and the Office of the Privacy Commissioner of Canada as required under PIPEDA.
Under PIPEDA and applicable Ontario law, you have the right to:
To exercise any of these rights, contact us at info@autofinancebrokers.com. We will respond within 30 days as required under PIPEDA.
You may also contact the Office of the Privacy Commissioner of Canada at priv.gc.ca or 1-800-282-1376.
Our website may use cookies and similar technologies to improve your browsing experience and analyze site traffic. These include:
You can control cookies through your browser settings. Disabling cookies may affect the functionality of our website. We do not use cookies for advertising or cross-site tracking purposes.
Our services are intended for adults aged 18 and older. We do not knowingly collect personal information from individuals under the age of 18. If you believe we have inadvertently collected information from a minor, please contact us immediately at info@autofinancebrokers.com and we will delete it promptly.
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. When we make material changes, we will update the "Last updated" date at the top of this page. We encourage you to review this policy periodically.
Continued use of our website after changes are posted constitutes your acceptance of the updated policy.
For any privacy-related questions, requests, or complaints, please contact us:
If you are not satisfied with our response, you have the right to escalate your complaint to the Office of the Privacy Commissioner of Canada: