Privacy Policy

Focus Cash is committed to respecting the privacy and protecting the personal information of its clients and the users or visitors of its website (hereinafter collectively referred to as "Users" and individually as a "User"); therefore, Focus Cash makes the commitments set forth in this privacy policy (hereinafter the "Policy") with respect to the personal information of its Users, in accordance with the legislation applicable in the province of Canada, particularly the Act respecting the protection of personal information in the private sector.

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PRELIMINARY PROVISIONS

Focus Cash is committed to complying with this Policy.

All Users agree that this Policy may be modified by focuscash.ca at any time and without prior notice, and that they are bound by these modifications; therefore, Focus Cash suggests that Users consult this Policy regularly.

AUTOMATICALLY EXCHANGED DATA

When a User accesses the website, their computer and FocusCash's servers automatically exchange data. This exchange is necessary for the server to transmit a file compatible with the computer equipment used by the User.

  • The data exchanged includes:
  • the User's internet service provider;
  • the User's IP address;
  • the type of browser (e.g., Firefox, Explorer) and operating system (e.g., Windows, Mac OS) used by the User;
  • the pages the User visits;
  • the date and time the User accesses the website;
  • The address of the referring website, if the User accesses this website from another website.

Most of the information automatically transmitted between computers does not allow for the identification of a User. This information is collected solely due to technological requirements inherent in internet browsing and for the purposes mentioned in this Policy.

COLLECTION OF PERSONAL INFORMATION FOR FOCUS CASHS

We collect the following information:

  • First name;
  • Last name;
  • Mailing address;
  • Postal code;
  • Email address;
  • Phone number;
  • Gender;
  • Date of birth;

Occupation, including the user's employer's phone number and the user's start date of employment;

Any other personal information necessary for the provision of services.

The personal information we collect is gathered through forms (including the loan application form on the website) and through the interaction between the user and our website.

GOOGLE ANALYTICS

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

USE OF COOKIES

Cookies are used to facilitate navigation on the website pages. These cookies do not collect personal information about Users. A User can configure their browser at any time to block cookies. However, this may prevent the User from accessing certain features offered on the website.

If the User is using a computer in a public place or sharing a computer with other Users, Focus Cash recommends that they delete their browsing history before ending each session.

COLLECTION OF PERSONAL INFORMATION

The website does not use any technology to collect personal information about the User against their will. The User is free to use the website without their personal information being collected automatically, subject to the provisions of this Policy.

Indeed, subject to the provisions of this Policy, no personal information is collected without the User's prior consent. The only personal information that may be collected by FocusCash is the information that the User voluntarily provides to FocusCash or as otherwise permitted by this Policy. In order to provide the service requested by the User, to open their file, or to comply with the law, FocusCash reserves the right to request that the User provide personal information or supporting documents.

USE OF PERSONAL INFORMATION

Personal information is processed and stored in accordance with the provisions of the Act respecting the protection of personal information in the private sector (Canada) (hyperlink: http://www.legisCanada.gouv.qc.ca/fr/showdoc/cs/P-39.1).

Personal information is used by Focus Cash only to the extent permitted by law. This means that, unless otherwise required by law, Focus Cash will seek the User's consent before using any personal information about the User for purposes other than those for which the User provided it, or for purposes other than those set out in this Policy or in the law.

Personal information is accessible to Focus Cash employees only to the extent necessary for them to perform their duties.

Personal information provided by the User may be used by Focus Cash for the following purposes, among others:

  • To verify age and place of residence;
  • To provide the services requested by the User;
  • To conduct verifications to determine whether the User complies with the terms of use and applicable laws;
  • To compile statistics;
  • To track a User's loan application and process loan approval according to Focus Cash's policies;
  • To transmit information and promotional offers (it being understood that the User may unsubscribe at any time by sending a request to this effect to Focus Cash), as provided in Article 11 of this Policy;
  • To improve website management (presentation, organization);
  • To improve service and personalized customer experience;
  • To create personalized consumer profiles;
  • To track orders;
  • To exercise its rights against any User, within the limits permitted by law, including by transferring personal information to any collection agency;

To develop artificial intelligence to facilitate the provision of services and debt collection.

Focus Cash does business with partners with whom Users' personal information may be shared, free of charge, for promotional purposes. In this event, Focus Cash will ensure that any partner with whom such personal information is shared is bound to Focus Cash by a confidentiality agreement regarding the processing of said personal information, which will be at least equivalent to the provisions of this Policy.

DISCLOSURE OF PERSONAL INFORMATION

Focus Cash may disclose personal information when required by law or by an order from a competent authority.

Focus Cash may also disclose personal information to subcontractors, if necessary to provide its services.

STORAGE AND DESTRUCTION OF PERSONAL INFORMATION

Focus Cash implements appropriate security measures to ensure the protection of users' personal information and, in particular, uses the following measures:

  • SSL (Secure Sockets Layer) protocol;
  • Access management – limited access to authorized personnel;
  • Network monitoring software;
  • Data backup;
  • Development of digital certificates;
  • Username/password;
  • Firewalls.

Furthermore, Focus Cash's commitments regarding the protection of personal information meet the requirements of the following program: SSL Certificate.

Focus Cash retains personal information only for the duration necessary for the purposes outlined in this Policy and to comply with its legal and regulatory obligations. To learn more about how long we retain personal information, you can contact Focus Cash using the contact information provided in Section 11 of this Policy.

RIGHT OF ACCESS AND RECTIFICATION

Every User has the right to access their personal information held by Focus Cash. If any information is inaccurate, incomplete, or ambiguous, the User may request in writing that it be corrected. To access the personal information that Focus Cash holds, a request must be made by contacting Focus Cash using one of the methods provided in this Policy.

To this end, Focus Cash complies in particular with Section 19 of the Act respecting the Protection of Personal Information in the Private Sector (Canada).

Any person who operates a business that lends money and who obtains credit reports or recommendations concerning the creditworthiness of individuals, prepared by a credit reporting agency, must inform these individuals of their right to access and correct the information held by the agency and indicate how and where they can access these reports or recommendations and have them corrected, if necessary.

The person operating such a business must provide any individual who requests it with the content of any credit report or recommendation that the business has obtained in order to make a decision concerning that individual.

RIGHT TO OBJECT AND WITHDRAW CONSENT

We are committed to offering you the right to object to and withdraw your consent regarding the use of your personal information, subject to Focus Cash's rights regarding the use of personal information as set forth in this Policy and in the law.

The right to object means that Users have the option to refuse to have their personal information used for certain purposes mentioned at the time of collection. However, the User understands that exercising this right to object may prevent Focus Cash from providing its services and in such a case, Focus Cash reserves the right not to provide the services, without incurring any liability.

HYPERLINKS TO A THIRD-PARTY WEBSITE

This website may contain hyperlinks to other websites. The information exchanged through these other websites is not subject to this Policy; therefore, we recommend that you review the privacy policy applicable to those websites.

LANGUAGE

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

PRIORITY OF CONTRACTS

Any provision of any specific contract or agreement between Focus Cash and you that is inconsistent with the provisions of these terms and conditions or the provisions of the privacy policy shall take precedence over these latter provisions.

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