Privacy Policy

Mr. Payday Easy Loans Inc. (“Mr. Payday,” “we,” “us,” or “our”) is committed to protecting the privacy and personal information of our customers and website visitors. This Privacy Policy outlines how we collect, use, disclose, and safeguard your personal information in accordance with Canadian privacy laws, primarily the Personal Information Protection and Electronic Documents Act (PIPEDA).

We understand the sensitivity of personal information, especially financial information, and are dedicated to maintaining the confidentiality and security of the information you entrust to us. This Privacy Policy applies to our Website [Insert Website Address], our online services, and any interactions you may have with us regarding our services.

This Privacy Policy applies to “Personal Information,” which is information that can identify an individual directly or indirectly. It also describes our practices regarding “Non-Personal Information,” including technical information and aggregated data, which does not directly identify you.

By using our Website or Services, you consent to the collection, use, disclosure, and retention of your personal information as described in this Privacy Policy.

Mr. Payday is responsible for the personal information under its control. We have designated a Privacy Officer who is accountable for our compliance with this Privacy Policy and applicable privacy legislation. The Privacy Officer can be contacted at:

Privacy Officer
Mr. Payday Easy Loans Inc.
3989 Henning Dr #214
Burnaby, BC V5C 6P8
Email: privacy@mrpayday.ca
Toll Free Phone: 1-877-432-2274

We collect personal information for the following purposes:

• To Verify Your Identity: To confirm your identity and ensure you meet our eligibility criteria for a payday loan.
• To Process and Assess Your Loan Application: To evaluate your loan application, determine your eligibility for a loan, and assess your ability to repay.
• To Provide and Administer Loan Services: To process loan disbursements, manage loan repayments, communicate with you about your loan, and provide customer service. This includes maintaining your loan account and records related to your loan and any inquiries or complaints.
• To Prevent Fraud and Illegal Activities: To detect, prevent, and investigate fraudulent transactions and other illegal activities, and to protect against error and fraud.
• To Manage and Collect Overdue Accounts: To manage and collect outstanding debts, including contacting you and potentially using collection agencies (as permitted by law).
• To Improve Our Website and Services: To analyze website usage and user behavior, improve our Website functionality, and enhance our services.
• To Comply with Legal and Regulatory Requirements: To comply with applicable laws, regulations, and legal processes, including record-keeping requirements and reporting obligations to regulatory bodies.
• Marketing (with Consent, if applicable): To send you promotional materials, offers, or information about our services, where you have provided your express consent to receive such communications (e.g., through opt-in mechanisms). You may withdraw your consent to marketing communications at any time.
• For Analytics and Service Improvement: To generate statistics and analysis for the purposes of conducting and improving our business and ensuring a high standard of service.

We may also obtain information about you from other sources, such as public databases, data providers, and other third parties to provide more relevant marketing, offers and services.

We will identify these purposes to you before or at the time we collect your personal information. If we intend to use your personal information for a purpose not previously identified, we will seek your consent unless the new purpose is required or permitted by law.

We will obtain your informed consent for the collection, use, and disclosure of your personal information, except where otherwise permitted or required by law. Your consent may be express or implied, depending on the sensitivity of the personal information and the reasonable expectations in the circumstances.

• Express Consent: We will obtain your express consent, for example, through a check-box or signature, when collecting sensitive personal information such as your financial information and for marketing communications.
• Implied Consent: In some cases, your consent may be implied where you voluntarily provide personal information for an obvious purpose. For example, when you provide your email address to request customer support, we imply that you consent to us using your email address to respond to your inquiry.
• Withdrawal of Consent: You may withdraw your consent to the collection, use, and disclosure of your personal information at any time, subject to legal or contractual restrictions and reasonable notice. To withdraw your consent, please contact our Privacy Officer. Please note that withdrawing consent may limit our ability to provide you with certain services, including loan services.

We will limit the collection of your personal information to what is necessary for the purposes we have identified in this Privacy Policy. The types of Personal Information we may collect include:

• Personal Identification Information: Name, address, email address, phone number, date of birth, government-issued identification (e.g., driver's license, passport), profession, contact preferences.
• Financial Information: Banking information (bank account details, transaction history), income information (employment details, income sources, pay stubs), payment-related information and history, loan or account information (current and historical information, balance and indebtedness, account transaction history), credit information (in limited circumstances, for reassessment or collections).
• Employment Information: Employer name, employment history, job title, length of employment.
• Contact Information: Email address, phone number, mailing address.
• Contact and Authentication Data and Browsing Data: Login information, browsing data, authentication data.

We also automatically collect Non-Personal Information, including:

• Technical Information and Website Behavior Data: This includes your IP address, browser type, device information, operating system, referring URLs, location data (depending on device settings), log data (date/time stamps, pages viewed, searches, actions taken on the Website), device data (device and application IDs, location, browser type, hardware model, system configuration), and website usage patterns and behaviors. This information is collected through cookies and similar tracking technologies (see our Cookie Policy in Section 12) and server logs, and is often aggregated and anonymized for analytics and website improvement purposes.

We collect personal information primarily from you directly through our online application form, account registration, and communications with us. We may also collect personal information from third parties, including:

• Credit Bureaus: For credit information, in limited circumstances as outlined in our Terms of Service.
• Identity Verification Services: To verify your identity and prevent fraud.
• Instant Banking Verification Services (Inverite): To confirm your bank account details and transaction history.
• Public Databases and Data Providers: For marketing purposes and to enhance service relevance (as permitted by law and with consent where required).

We do not knowingly collect Social Insurance Numbers (SIN) or Social Security Numbers (SSN) for loan application purposes unless specifically required for legal or regulatory compliance. If collection of such numbers becomes necessary, we will take extra precautions to protect their confidentiality and security and will clearly explain the purpose for their collection.

We will use and disclose your personal information only for the purposes for which it was collected, as outlined in this Privacy Policy, or with your consent, or as required or permitted by law.

• Use of Personal Information: We use your personal information for the purposes identified in Section 3, including processing loan applications, administering loans, providing customer support, preventing fraud, improving our services, and complying with legal obligations. This processing method ensures that unauthorized users are prevented from accessing the system and data will be kept in the system according to our needs and legal obligations, even after you have finished repaying your loan to help us better identify users in the future and comply with record-keeping requirements.

• Disclosure of Personal Information: We may disclose your Personal Information to third parties in the following circumstances:

  • Service Providers: Third-party service providers who assist us in providing our services, such as payment processors, identity verification services, instant banking verification services (like Inverite), credit bureaus, cloud storage providers, customer service platforms, marketing service providers, data processors, security providers, and collection agencies (for overdue accounts). Some of these service providers may be located outside of Canada, including in the United States and the Philippines. We will use contractual or other means to ensure that these service providers are contractually obligated to protect your personal information in a manner consistent with this Privacy Policy and applicable privacy laws.
  • Credit Bureaus: Credit bureaus for purposes including but not limited to assessing creditworthiness, verifying information, and for collection activities on overdue accounts or as required by law, and only as described in our Terms of Service.
  • Inverite: For instant bank account verification and obtaining your banking history, as part of the loan application process.
  • Other Creditors and Financial Institutions: We may exchange information with other lenders and financial institutions as reasonably necessary for credit assessment, fraud prevention, and to evaluate your financial standing.
  • Collection Agencies: To manage and recover overdue loan amounts.
  • Legal and Regulatory Authorities: Government authorities, regulatory bodies, law enforcement agencies, and courts as required to comply with applicable laws, regulations, legal processes, or enforceable governmental requests.
  • Our Affiliates and Subsidiaries: We may share Personal Information between our affiliates or subsidiaries (including those that may be located outside Canada) for internal audit, billing, management, and administrative purposes, including actions related to legal actions.
  • Business Transfers: To a potential buyer or successor in interest in the event of a merger, acquisition, restructuring, or other corporate transaction involving Mr. Payday, provided that appropriate confidentiality safeguards are in place and the personal information is used and disclosed solely for purposes related to the transaction.
  • Other Third Parties: We may disclose your Personal Information to other third parties in specific circumstances: (i) to a Mr. Payday affiliate acting as your agent, (ii) to a Mr. Payday agent evaluating creditworthiness or collecting debt, (iii) to confirm identity with negotiable item issuers/payers, (iv) with your consent, (v) where legally required, (vi) to public authorities in emergencies, (vii) to survey companies for service improvement, and (viii) to credit reporting bureaus for business practice monitoring, service provision, research, security breach detection. Where Personal Information is disclosed to third parties, we will ensure appropriate security measures are in place to protect your information.

• Retention of Personal Information: We will retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, including for legal, accounting, and regulatory compliance purposes, or as otherwise required or permitted by law. Loan agreements and related documentation will be kept for periods mandated by provincial regulations. Some information, including website behavior data and technical information, may be retained for longer periods for analytical and statistical purposes, even after you are no longer using our services, to help us improve our services and understand user trends in an aggregated and anonymized way. When personal information is no longer required, we will securely destroy, erase, or anonymize it using reasonable security measures in disposal. Retention periods will vary depending on the type of information and the purpose for which it was collected, but generally will be aligned with regulatory requirements for financial institutions and payday lenders.

We strive to ensure that the personal information we hold is accurate, complete, and up-to-date, as necessary for the purposes for which it is used. The accuracy of your personal information is important for processing your loan application and administering your loan. We rely on you to provide us with accurate and complete information and to notify us of any changes to your personal information.

You have the right to request corrections to your personal information if you believe it is inaccurate or incomplete. To request a correction, please contact our Privacy Officer. We will make reasonable efforts to correct inaccurate information and ensure it is accurate for the purposes for which we use it.

We have implemented reasonable and appropriate physical, administrative, and technological safeguards to protect your personal information against loss, theft, unauthorized access, disclosure, copying, use, or modification. These safeguards include:

• Physical Measures: Secure office premises, restricted access to record storage, and physical security measures for data centers.
• Technological Measures: Use of encryption technologies (including TLS best practices for website security) to protect sensitive information during transmission and storage, firewalls, anti-virus software, regular security assessments and vulnerability testing, and strong password protocols.
• Administrative Measures: Limited access to personal information to authorized personnel who need access to perform their job duties, confidentiality agreements for employees and contractors, privacy training for staff, and internal policies and procedures for handling personal information.
• Data Minimization: We strive to collect and retain only the minimum amount of personal information necessary for the identified purposes.
• Ongoing Security Reviews: We regularly review and update our security measures to ensure they remain effective and aligned with industry best practices and evolving threats.

While we strive to protect your personal information, no data transmission over the Internet or method of storage is entirely secure. Therefore, we cannot guarantee absolute security. In the event of a security breach, we will comply with all applicable legal obligations, including notification requirements.

We are committed to being transparent about our policies and practices regarding the management of your personal information. This Privacy Policy is publicly available on our Website [Insert Website Address] and can be accessed at any time. We may also make this Privacy Policy available in other formats upon request.

If you have any questions or concerns about our Privacy Policy or our privacy practices, please contact our Privacy Officer.

Upon your written request, and subject to applicable legal exceptions, we will inform you of the existence, use, and disclosure of your personal information and provide you with access to that information. You have the right to review and verify the personal information we hold about you and to request corrections to inaccurate information.

Requests for access to personal information should be directed to our Privacy Officer. We will respond to your access request within a reasonable timeframe, typically within 30 days of receiving your request, unless an extension is permitted by law. We may require you to verify your identity before granting access to your personal information.

There may be limited circumstances where we are unable to provide access to all of your personal information. Exceptions may apply under PIPEDA and other applicable laws, such as when:

• Disclosure would reveal personal information about another individual.
• Disclosure would reveal confidential commercial information.
• The information is protected by solicitor-client privilege.
• The information was collected in the course of an investigation.
• Disclosure could reasonably be expected to threaten the safety or physical or mental health of an individual.
• Disclosure could impede law enforcement.
• The request is frivolous or vexatious.

If we are unable to provide you with access to your personal information, we will explain the reasons for the denial, subject to any legal restrictions.

You have the right to challenge our compliance with this Privacy Policy. If you have any concerns or complaints about our handling of your personal information, we encourage you to first contact our Privacy Officer. We will investigate all complaints and take appropriate action to resolve them in accordance with our internal complaint resolution procedures.

If, after contacting our Privacy Officer, you feel that your concerns have not been adequately addressed, you may lodge a formal complaint with the Office of the Privacy Commissioner of Canada or the applicable provincial privacy commissioner.

We automatically collect Non-Personal Information as described in Section 5. This information is primarily used in an aggregated and anonymized form to analyze website traffic, understand user behavior, improve our Website and Services, and for statistical and analytical purposes. This Non-Personal Information includes your IP address and device information, which may be collected through cookies and other tracking technologies, and server logs. In some instances, this Non-Personal Information, such as your IP address or device identifiers, might be linked to your account with Mr. Payday for purposes such as fraud prevention, security, and service improvement.

Cookie Policy: Our Website uses cookies and similar tracking technologies (e.g., web beacons, pixels, tags). Cookies are small text files that are placed on your device when you visit our Website. We use cookies for the following purposes:

• Essential Cookies: These cookies are necessary for the basic functioning of our Website, such as enabling you to log in, navigate the site, and use essential features.
• Performance/Analytics Cookies: These cookies collect information about how you use our Website, such as which pages you visit and how long you spend on each page. This information helps us to improve the performance and design of our Website. We may use third-party analytics providers like Google Analytics to assist us with this.
• Functionality Cookies: These cookies allow our Website to remember choices you make (such as your language preference) and provide enhanced features and personalization.
• Advertising/Marketing Cookies (if applicable and with consent): We may use cookies to deliver targeted advertisements and marketing communications that we believe are relevant to you, based on your browsing activity on our Website and other websites (only if you have provided your express consent where legally required).

Your Cookie Choices: You can control cookies through your browser settings. Most web browsers automatically accept cookies, but you can usually modify your browser settings to decline cookies if you prefer. You can also delete existing cookies from your browser. Please note that blocking or deleting cookies may affect the functionality of our Website and your user experience.

Our Website may contain links to third-party websites that are not owned or controlled by Mr. Payday. We are not responsible for the privacy practices of these third-party websites. When you click on a link to a third-party website, you will be subject to the privacy policy of that website, and we encourage you to review it. This Privacy Policy applies solely to information collected by Mr. Payday through our Website and Services.

Some of our service providers may be located outside of Canada, including in the United States. As a result, your personal information may be transferred to and stored in jurisdictions outside of Canada, where it may be subject to access by law enforcement and national security authorities in accordance with the laws of those jurisdictions. We will take reasonable steps to ensure that your personal information is protected when transferred to these jurisdictions, including by implementing contractual safeguards with our service providers to ensure they protect your personal information in a manner consistent with Canadian privacy laws.