Privacy Policy

1. Introduction

Speedloa ("Speedloa," "we," "us," or "our") is committed to respecting the privacy and protecting the personal information of its clients, as well as the users and visitors of its website.

Consequently, Speedloa undertakes to protect the personal information transmitted to it—and which it utilizes—and to treat such information confidentially. This Privacy Policy (hereinafter the "Policy") outlines the measures we take to uphold this commitment and describes how we collect, use, retain, disclose, and process the personal information of users (hereinafter collectively the "Users" and individually a "User"), in accordance with applicable legislation.

2. Your Consent

By using our website, obtaining a service, or providing us with personal information, you consent to the collection, use, and disclosure of your personal information in accordance with this Policy. To exercise any of your rights described herein, you may contact us using the contact details provided in the "Contact Us" section below.

3. Personal Information Collected

We collect personal information about our users directly from them, through their interactions on our site or in connection with our services, or through third parties, as described below.

We collect personal information from users on multiple occasions, including, but not limited to, when they visit or use our site, when they complete a form on our site, and through the interactivity established between the user and our website.

Depending on the circumstances, users may be asked to provide their name, address, email address, telephone number, date of birth, occupation, and information regarding their employer—including their start date—as well as contact details for individuals or other organizations we may contact for reference purposes, along with their banking details and other account-related information. This personal information is necessary to verify your identity, assess your repayment capacity, and provide you with our services.

We also collect information regarding how users utilize our website and services.

We may obtain this personal information through third-party partners with your consent. For instance, with your consent, we may collect information from your bank statements through our partner, Flinks. We collect only the information necessary to offer you our various services, assess your repayment capacity, and verify your identity.

4. Information Automatically Collected via Our Site

We may collect information about users whenever they visit our site. This may include the browser name, the type of computer used, or technical information regarding the means of connection to our site—such as the operating system, the Internet service provider, or other similar details. Most information transmitted automatically between computers does not reveal the identity of a user. We use the information collected to understand how our site is used and to make improvements to it for the purposes outlined in this policy.

5. Cookies and Similar Technologies

The operation of our website involves the use of "cookies." A cookie is a small piece of data that our site may send to your browser, which may then be stored on your hard drive so that we can recognize you upon your next visit. We use cookies on our site to enhance the user experience and to offer personalized recommendations, products, and services. We also use cookies to collect—both on our own behalf and on behalf of our service providers—information regarding your usage patterns on our site and other websites. This information subsequently enables us, as well as these other sites, to customize the site or other content—such as advertisements—based on your interests and preferences (e.g., browsing language) and to further enhance your user experience. If a user is accessing the site from a public computer or sharing a computer with others, we recommend clearing their browsing history before ending each session.

6. Online Advertising

We may use the services of third parties to display advertisements on our site or on other websites. These companies may use cookies, tracking beacons, or pixels to collect certain information regarding your visits to our site and other websites (such as the web pages you view and your responses to advertisements) in order to measure the effectiveness of our marketing campaigns and to present you with relevant, tailored advertising—whether on our site or elsewhere.

7. Google Analytics

Speedloa uses the Google Analytics service and is required to inform the user of how the data will be used. For more details, please consult Google's Privacy Policy and Terms of Use: http://www.google.com/intl/fr/policies/privacy/partners

8. Use of Collected Information

Your personal information may be accessed only by certain authorized individuals, and solely within the scope of their assigned duties. Speedloa may use the personal information collected from users when permitted or required by law, and for various purposes:

• To provide services: We require certain information to register a user for a service, to provide and manage our services, and to resolve service-related issues.
• To personalize the user experience: We may use the information collected to personalize the user's experience while using our site or a service. We also analyze data in the aggregate to understand how users generally utilize the services and resources provided on our site.
• To improve our site: The information collected—including comments submitted by users—helps us improve our site and our services.
• To manage a promotion, contest, survey, or other site features: We use the information collected to manage contests, promotions, surveys, and other site features.
• For marketing purposes: Personal information helps us compile statistics, create personalized consumer profiles, and better understand user needs and preferences, enabling us to provide information and offers that may be of interest to them. We utilize various channels to communicate information and offers to you, including email and online advertisements. Users who do not wish to have their personal information used for these marketing purposes must notify us by contacting us in the manner set forth herein.
• For other commercial purposes, on reasonable grounds: We may use the information collected to develop artificial intelligence to facilitate the provision of services, to detect and prevent fraudulent activities, to comply with legal requirements, to enforce agreements we have entered into with users, and for record-keeping purposes. We may also use it for other purposes if the user consents, or if the law authorizes or requires it.

9. Sharing of Your Personal Information

We may share personal information with third parties (including parties located outside of Canada) if necessary to provide the services that a user has requested. A client list may be compiled and shared with companies related to Speedloa. You may request that your name be removed from this list by sending a written request to the Privacy Officer, using the contact details provided in the "Contact Us" section below. With your consent, we may also disclose your personal information to companies related to Speedloa in order to better understand you, better meet your needs, and offer the best possible service and customer experience. If you do not wish to take advantage of this opportunity, you may withhold your consent. We may share personal information in other circumstances with the user's consent or as permitted or required by law, including as required by foreign laws applicable to us, our affiliates, and our service providers. We may transfer personal information about you to provinces, territories, or countries other than the location where it was originally collected; consequently, your personal information may be processed and stored outside of your province or territory of residence, including outside of Canada. These territories or countries may have data protection laws that differ from those in the territory where you reside, in which case your personal information may be subject to applicable foreign laws. If we are required to transfer your personal information to other provinces, territories, or countries, we will protect it in the manner described in this Policy.

10. Your Rights of Access and Rectification

Every user has the right to access the personal information held by Speedloa that concerns them. We will provide you with such information within a reasonable timeframe following the date of receipt of your written request. A reasonable fee may also be charged to process your request. Your right to access or correct your personal information is subject to applicable legal restrictions. Before granting you access to your personal information or allowing you to correct it, we will take the necessary steps to verify your identity. If any information is inaccurate, incomplete, or ambiguous, the user may request in writing that it be corrected.

You may withdraw your consent to the collection, use, and disclosure of your personal information at any time by contacting us using the contact details provided in the "Contact Us" section below. Please note that your right to withdraw your consent is subject to certain contractual and legal restrictions, as well as to the provision of sufficient prior notice. By withdrawing your consent, you may be unable to use certain features of the site, and we may be unable to provide you with certain services.

If you do not wish for us to use your personal information for marketing purposes, you may submit a request to that effect by contacting us in the manner described in the "Contact Us" section below.

11. Protection of Children's Privacy

Our website is not intended for individuals under the age of 18, and we do not knowingly collect any information from individuals under the age of 18 on our site. If we learn that we have inadvertently received information from a visitor under the age of 18 on our site, we will delete such data from our records.

12. Third-Party Websites

Our website may provide hyperlinks to other websites that we do not own or operate. Information exchanged through these other websites is not subject to this Policy; therefore, we recommend that you review the privacy policy applicable to such websites. These links do not constitute an endorsement or recommendation of the linked websites. The linked websites have separate and independent privacy policies, notices, and terms of use, which we recommend you read carefully. We exercise no control over these websites and, consequently, assume no responsibility for the manner in which the companies operating these linked sites may collect, use, disclose, protect, or process personal information.

13. Retention of Your Personal Information

We will retain personal information for as long as is reasonably necessary to perform the services you have requested, to protect our site and our related services and systems against fraud or any other illegal activity, to comply with our legal obligations, and to protect and enforce our rights under the law. Notwithstanding the foregoing, personal information will be destroyed or anonymized as soon as the purpose for which it was collected has been fulfilled, subject to any time limits prescribed by law or a retention schedule.

14. Changes to Our Privacy Policy

Every user agrees that this Policy may be modified by Speedloa at any time and that they are bound by such modifications. If required by applicable law, notice will be provided to you electronically. Otherwise, Speedloa suggests that users review the Policy regularly. Whenever we make such changes, we update the "Last Updated" date displayed at the bottom of this page. You acknowledge and agree that it is your responsibility to periodically review this Policy to stay informed of any changes we may have made.

15. Exercising Your Rights

To request access to the personal information we hold about you and use, or to have any inaccuracies corrected, please contact the person responsible for the protection of personal information in writing at the address below.

For any questions regarding this policy or our general personal information handling practices, please contact our Legal Counsel at the following coordinates:

• By email: info@speedloa.com
• Address: 6901 W Alameda Ave, Lakewood, CO 80226, United States.

16. Language

In the event of any discrepancy between the French and English versions of the website content—including, in particular, this Policy—the French version shall prevail.

17. Priority of Contracts

Any provision of any specific contract or agreement between Speedloa and you that is incompatible with the provisions of these Terms or the provisions of the Privacy Policy shall take precedence over such provisions.