This policy
Easy Legal Finance (“we”, “us”, “our”) provides settlement financing to plaintiffs awaiting resolution of their claims, divorce financing as well as assessment financing to law firms with respect to their use of assessment experts. We also provide financing to individuals for medical procedures and treatment. We are committed to protecting the privacy of the personal information of our clients. The purpose of this privacy policy, which is binding and forms an integral part of our Terms of Use, is to set out the principles governing our collection, use and disclosure of the personal information we may obtain about you during your visit to our website or otherwise.
Information we collect from you
Personal information means any information about an individual that, directly or indirectly, allows such individual, to be identified. We may collect information directly from you or from other sources as further described below:
- Information about You that You Provide: We collect personal information that you provide directly to us such as when you apply for financing, when you carry out or manage your financial relationship with us, and when you complete certain forms on our website. Personal information that you may provide include contact details, your financial information and creditworthiness. We may need to collect your health information from a lawyer, doctor, physician, health establishment, clinic, hospital or medical information office You hereby agree that the information you provide to us is correct.
- Information We Collects From Other Sources: We may also obtain information about you from other sources. For example, when you apply financing, we collect information about you from third parties such as credit reporting agencies and financial institutions. This information may include information about you, and your business, such as financial position and qualifications, creditworthiness, credit standing, credit capacity, character, general reputation, business experience, and other personal characteristics. This includes initial and periodic credit reports and other credit and financial and business information, which may be requested from credit reporting agencies and financial institutions from time to time, including, without limitation personal financial and credit information, including, without limitation, credit reports, all obligations, employment and business history, information regarding chequing and/or savings accounts, investment securities, money market accounts, all revolving and/or term loans, and all other matters including payment history and all
What we do with your personal information
Personal information provided by you in connection with your business relationship with us, may be used by, collected by and/or disclosed by us (including our agents and contractors, potential affiliates, lenders and investors) for the following purposes:
- to evaluate your financing application and your eligibility for a loan or assessment financing;
- to enable us to enter into contractual relationships with you;
- for contract management and administration, such as credit, billing, collection, service, lawsuit tracking and verification;
- to provide information and services that you request, and to respond to your comments and inquiries;
- for marketing and promotion of products, goods and services to you;
- to meet legal and regulatory requirements or to disclose information when we believe in good faith we are compelled to do so by a subpoena, court order or similar legal procedure;
- if we believe in good faith that the disclosure is necessary to prevent physical harm or financial loss or to report suspected illegal activity; · i · to manage, benchmark and improve our products or services;
- in connection with and to facilitate the financing of or a business sale or acquisition of Easy Legal Finance; and
- as may be otherwise authorized by you.
If your personal information is to be used or disclosed for any new purposes, we will, to the extent required by law, identify these new purposes prior to such use or disclosure and, if required, obtain your consent.
How do we share your personal information?
We may disclose the information that we collect or you provide where necessary to fulfill the purposes identified above, including as described in this privacy policy, or as otherwise permitted or required under applicable laws:
- We may share your information with subsidiaries and affiliates.
- We may share your information with any credit reporting agencies and financial institutions, such as credit information covering your application and details of any credit granted (including, without limitation payment history relating to the credit granted, and including a negative report if you do not meet your obligations to us).
- We may share information with subsidiaries, affiliates and third parties related to managing and administering financing transactions and outstanding indebtedness, including ongoing assessment of your credit and financial position, collection of amounts owing and maintaining records for legal, business and accounting purposes.
- We may share your information with an acquirer, successor or assignee as part of any merger, acquisition, debt financing, sale of assets, or similar transaction, as well as in the event of an insolvency, bankruptcy, or receivership in which information is transferred to one or more third parties as one of our business assets.
- We may share your information to our contractors, service providers, and other third parties we uses to support to support our business.
- We may share your information to our legal, financial, accounting or other consultants to the extent necessary to operate our business and comply with applicable laws.
We may share your information to any other person that may be disclosed by us when you provide the information.
We may share your information to any other person with your consent.
We may also disclose your personal information:
- To comply with any court order, law, or legal process, including to respond to any government or regulatory request, in accordance with applicable law.
- To enforce or apply our terms of financing, credit, account, security and other agreements, including for billing and collection purposes.
- If we believes disclosure is necessary or appropriate to protect the rights, property, or safety of Easy Legal Finance.
Cookies
We use popular information gathering tools, including cookies, log files, web beacons and similar tools to automatically collected information (which may contain personal information) from your computer or mobile device as you use the Site. For instance:
- “Cookies” are small text files that our website sends to your browser, which provides information to us about your general Internet usage, such as recognizing repeat visitors and allowing us to understand how and when pages are visited. We use both session-based and persistent cookies. Session cookies exist only during one session and disappear from your computer when you close your browser software or turn off your computer. Persistent cookies remain on your computer or device after you close your browser or turn off your computer. You may opt to enable a feature in your browser software that will erase or block some or all cookies, however, some parts of this website may no longer function properly if cookies are disabled.
- We may also use web beacons on our website. For example, we may place web beacons in marketing emails that notify us when you click on a link in the email that directs you to our website. Such tracking technologies are used to operate and improve our website and email communications and track the clicking of links or opening of emails.
- We may use our own technology and third party technology to track and analyze usage and volume statistical information to provide enhanced interactions and more relevant communications. For example, Google Analytics is a web analytics service that provides statistics and analytical tools for search engine optimization and marketing purposes. We use Google Analytics to see information relating to user website activities including, but not limited to, page views, source and time spent on our Site and to provide advertisements to you on other websites. This information is depersonalized and is displayed as numbers, meaning that it cannot be tracked back to individuals. For more information on how Google Analytics collects and processes information, please visit: https://www.google.com/policies/privacy/partners/. For information about how to opt out of having your information used by Google Analytics, visit: https://tools.google.com/dlpage/gaoptout/.
- We may also use cookies on your computer or mobile device to show you advertisements for our products that we think may interest you, to track their performance and to track the performance of our advertisements. Cookies in this case might collect and remember information like which browsers visit our website. For example, we used Google AdWords to record the sales performance of our advertising campaigns, and to create an audience to retarget with advertisements. Such information may be provided to third parties but excludes personal information. If you do not wish to receive interest-based or remarketed ads from Google, you can opt out by visiting Google’s AdWords Preferences Manager: https://adssettings.google.com/.
- We may also contract with third party advertising networks, which may collect your IP address and other information from web beacons on our website, from emails and on third party sites. These third parties may follow your online activities across different sites and devices, and may also use cookies. These third parties use the information to provide advertisements based on your interests. We do this to help manage and track our marketing efforts. If you wish to learn more/opt out of collection by these third parties, please contact us.
- Internet tags are smaller than cookies and tell the website server information such as the IP address and browser type related to a user’s computer. Tags may indicate how many times a page is opened and which information is consulted.
- Navigational data (including log files) are used for system management, to improve the content of our website, for market research purposes and to communicate information to visitors. This may include the website you came from, your browser type, domain name and time and date of access.
Our website may contain links to other sites. The provision of these links is for your convenience only, and does not constitute an endorsement, recommendation or approval of such other sites. This privacy policy is no longer applicable when you leave our site by way of links or otherwise. Linked sites may or may not maintain their own independent privacy policies and procedures. You should consult these policies and procedures before providing any personal information to these linked sites.
Your rights regarding your personal information
We use reasonable efforts to keep your personal information as accurate, complete and up-to-date as necessary to fulfill the purposes for which we collect the information so as to minimize the possibility of using incorrect information about you. We may obtain updated information from you or from an agent or contractor of ours.
You have the right to request access to and to correct the personal information that we hold about you. To exercise your rights, please contract our Privacy Office at the contact information set out below. You may be required to put your request in writing. Applicable law may allow or require us to refuse to provide you with access to some or all of the personal information that we hold about you, or we may have destroyed, erased, or made your personal information anonymous in accordance with our record retention obligations and practices. If we cannot provide you with access to your personal informati
Transfer of your personal information
We may transfer personal information that we collect or that you provide as described in this policy to contractors, service providers, and other third parties we use to support our business and who are contractually obligated to keep personal information confidential, use it only for the purposes for which we disclose it to them. We may process, store, and transfer your personal information to a foreign country whose privacy laws may or may not be as comprehensive as Canadian. By submitting your information to us or engaging with our website, you consent to this transfer, storage, or processing of your information outside Canada. While such information is outside of your country of residence, it is subject to the laws of the foreign jurisdiction in which it is held, and may be subject to disclosure to the governments, courts or law enforcement or regulatory agencies of such other jurisdictions pursuant to local laws.
Safeguarding your personal information
We take commercially reasonable precautions to protect your personal information (regardless of the format in which it is held) against loss or theft, unauthorized access, disclosure, copying, use, or modification, through safeguards appropriate to the sensitivity of the personal information.
Access to your personal information is only given to our employees and third parties who need to know the information and whose duties reasonably so require the information in order to fulfill the identified purposes.
Easy Legal Finance has adopted physical, organizational and technological procedures an effort to keep your personal information safe. However, data transmitted over the Internet is not guaranteed to be secure and Easy Legal Finance does not guarantee, warrant or represent that the personal information you provide will be transmitted securely or protected completely against interception, loss, misuse or alteration. Easy Legal Finance accepts no responsibility or liability for any damages that may result where personal information submitted by you has not been securely transmitted, or has been intercepted, lost, misused or altered.
Retention of your personal information
We retain your personal information only as long as necessary as Easy Legal Finance believes it is necessary to fulfill the purposes for which it was collected, including for the purpose including for the purposes of satisfying any legal, accounting, or reporting. Under some circumstances we may anonymize your personal information so that it can no longer be associated with you. We reserve the right to use such anonymous and de-identified data for any legitimate business purpose without further notice to you or your consent requirements.
Your Choices
You may opt in to or out of receiving marketing or promotional communications for products and services from us at the time of completing a financing application or subsequently by contacting us by any means we use to contact you. You may withdraw your consent for any other identified purposes at any time by contacting us, subject to legal and/or contractual restrictions and reasonable notice. We may not be able to provide you with a particular product or service if you withdraw your consent to certain uses of personal information.
Children
Our business and website are not directed towards children. We do not knowingly collect, use, or disclose personal information from children. To remove the information related to a child who has provided personal information to us and permanently remove all such personal information regarding this child from our database, you should contact our Privacy Officer as provided for below.
Withdrawing your consent
Where you have provided your consent to the collection, and use of your personal information, you may have the legal right to withdraw your consent under certain circumstances. To withdraw your consent, if applicable, contact our Privacy Officer at the contact information below. Please note that if you withdraw your consent we may not be able to provide you with a particular product or service. We will explain the impact to you at the time to help you with your decision.
Our privacy policies and practices
Easy Legal Finance reserves the right to change, modify or update the terms of this privacy policy at any time without notice. Easy Legal Finance posts the revised privacy policy on the website and indicates the date of the current statement above, so you know when it was last updated. You are responsible for regularly checking this privacy policy for revision. Non-material changes will take effect immediately. Material changes will take effect 30 days after their posting. We will notify you of any material changes prior to such changes taking effect. You expressly agree that the terms of this privacy policy are reasonable and have consented
to the terms of this privacy policy as may be changed, modified or updated as provided for herein.
Contact Us
We have appointed a Privacy Officer who shall be accountable for Easy Legal Finance’s compliance with PIPEDA and this policy. If you have inquiries regarding your personal information held by us or if you wish to address a challenge regarding our compliance with this policy, you may contact our Privacy Officer in writing at the address listed below:
Easy Legal Finance – Privacy Officer
TEL.:1-866-800-2100
ADDRESS: [email protected]
TD Canada Trust Tower
161 Bay Street, 27th Floor
P.O. Box 508
Toronto, Ontario M5J 2S1
This privacy policy is subject to applicable privacy laws and Easy Legal Finance’s right to change it at any time at our sole discretion.