Privacy Policy

1 Information We Collect

We may collect personal information that you provide directly to us, including:

• First and last name
• Email address
• Phone number
• Date of birth
• Address and location information
• Employment or income-related information
• Banking or payment-related details when required for application processing
• Identification or verification information
• Information submitted through forms, applications, messages, or customer support requests

We may also collect technical and usage information automatically when you use our website, including:

• IP address
• Browser type and device information
• Pages visited and time spent on the website
• Referral source
• Cookies and similar tracking technologies
• General location information based on browser or device data

We only collect information that is reasonably necessary for the purposes described in this Privacy Policy.

2 How We Use Your Information

CoCASH.ca may use your personal information to:

• Process and review your application
• Match you with potential lending or cosigner-related services
• Verify your identity and eligibility
• Communicate with you about your application or account
• Provide customer support
• Improve our website, services, and user experience
• Detect, prevent, and respond to fraud, misuse, or security risks
• Send service-related updates, reminders, or notifications
• Send marketing communications where permitted by law or with your consent
• Comply with legal, regulatory, and contractual obligations

We do not use your personal information for purposes unrelated to our services unless we have your consent or are permitted or required by law.

3 Consent

By submitting information through CoCASH.ca, you consent to the collection, use, and disclosure of your personal information for the purposes described in this Privacy Policy.

You may withdraw your consent at any time, subject to legal, contractual, or service-related restrictions. Please note that withdrawing consent may affect our ability to provide certain services to you.

4 Sharing and Disclosure of Information

We may share your personal information with trusted third parties only when necessary to provide our services, operate our business, or comply with the law. This may include:

• Lending partners
• Cosigner or guarantor-related service providers
• Verification and fraud-prevention providers
• Payment, banking, or financial service providers
• Customer support platforms
• Hosting, analytics, and technology service providers
• Marketing or communication service providers
• Legal, compliance, accounting, or professional advisors
• Government, regulatory, or law enforcement authorities where required by law

Service providers are only given access to the information needed to perform their duties and are expected to protect your information appropriately.

We do not sell your personal information.

5 Cookies and Tracking Technologies

CoCASH.ca may use cookies and similar technologies to operate the website, improve performance, remember preferences, analyze traffic, and support marketing or advertising activities. Cookies may be used for:

• Essential website functionality
• Analytics and performance tracking
• User experience improvements
• Advertising and remarketing where permitted
• Security and fraud prevention

You can adjust your browser settings to block or delete cookies. However, some parts of the website may not function properly if cookies are disabled.

6 How We Protect Your Information

We take reasonable administrative, technical, and physical safeguards to protect your personal information against loss, theft, unauthorized access, disclosure, copying, misuse, or modification. These safeguards may include:

• Secure website connections (HTTPS)
• Access controls
• Data encryption where appropriate
• Monitoring and security checks
• Internal privacy and security practices
• Limited access to personal information by authorized personnel and service providers

Although we take privacy and security seriously, no online system can be guaranteed to be completely secure.

7 Retention of Personal Information

We retain personal information only for as long as necessary to fulfill the purposes for which it was collected, including providing services, managing business operations, resolving disputes, preventing fraud, and complying with legal or regulatory obligations.

When personal information is no longer required, we will securely delete, destroy, or anonymize it in accordance with applicable requirements.

8 International Processing

Some of our service providers or technology systems may process or store information outside your province, territory, or country of residence. When this happens, your information may be subject to the laws of the jurisdiction where it is processed or stored.

We take reasonable steps to ensure that personal information handled by service providers is protected appropriately.

9 Your Privacy Rights

Depending on applicable law, you may have the right to:

• Request access to the personal information we hold about you
• Request correction of inaccurate or incomplete information
• Withdraw consent, where applicable
• Ask questions about how your information is collected, used, or disclosed
• Make a complaint about our privacy practices

To exercise these rights, contact us using the details provided in Section 14 below.

10 Marketing Communications

Where permitted by law, CoCASH.ca may send you emails, text messages, calls, or other communications related to your application, services, financial offers, updates, or promotions.

You may opt out of marketing communications at any time by following the unsubscribe instructions in the message or by contacting us directly. Service-related communications may still be sent when necessary.

11 Third-Party Links

Our website may contain links to third-party websites, services, or platforms. CoCASH.ca is not responsible for the privacy practices, policies, or content of third-party websites. We encourage users to review the privacy policies of any third-party websites they visit.

12 Children's Privacy

CoCASH.ca services are intended for adults who are legally eligible to apply for financial products or related services. We do not knowingly collect personal information from individuals who are not legally eligible to use our services.

13 Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or services.

When changes are made, we will update the "Last Updated" date at the top of this page. Continued use of CoCASH.ca after changes are posted means you accept the updated Privacy Policy.

14 Contact Us

If you have questions, requests, or concerns about this Privacy Policy or how your personal information is handled, please contact us: