Privacy Policy

QuoteShack collects, uses, stores and shares information in connection with its products and services including: The loan comparison services we offer when you visit the Site and request conditional offers from QuoteShackt, banks, private lenders, individual investors, and other third party licensed lenders for whom we may act as marketer, service provider, and/or loan servicer of their loan;

As servicer and administrator;

When you authorize QuoteShack to send or receive your information to third parties to access certain additional products or services on the Site; and

When QuoteShack's business contacts authorize QuoteShack to receive information regarding its enterprise contacts.

Categories of Information We Collect and How We Use It

We collect information about you through the following sources: information you provide directly to us (such as when you register for our services, fill out a form or communicate with us), information we collect from third parties (such as Internet Protocol (“IP”) address or device identifiers, and geolocation data) and information we generate (such as through inferences or when you use the Services).

The types of personal information we collect depends on the products and services you use. The information includes:

Your name, address, phone number, email, date of birth, social insurance number, social security number and documents or other media that verifies your identity such as your driver's license, passport and video calls you make at our request.

Information such as your credit history, credit scores and other information provided by consumer reporting agencies.

Information about your loan account and your payment history.

Information we receive from third party data partners for verification purposes including to verify your identity and manage risk.

Information about your education, such as your degree, your college, your major(s), and your grades including your college transcript.

Your bank information such as your bank, your account numbers, bank account credentials, and transaction information.

Information about your employer, current income, assets and certain expenses, including with respect to your current employment, employment offers, bank account credentials and transaction information, tax returns, t-4s, RRSP, TSFA, W-2, brokerage statements, and pay stubs. Information about your computer, mobile phone or other access device and information about your web request collected through cookies and other related technologies (such as clear gifs). The information we collect includes IP address, geolocation data, browser type, referring / exit pages and URLs, number of clicks and how you interact with links on the Site, domain names, landing pages, pages viewed, your use of third party applications, and other similar device and usage information.

Business information that you provide to us directly or through third-party services. We may receive information about you or your business from public records or from third parties, including information we request from credit reporting agencies, and from other partners. For example, we may also collect this information from your registration application submitted through provider agreement, business loan application, or from a personal loan application if you are self-employed.

The business information may include information about your business, such as legal business name and company practice name, and other information about your company or practice such as fax, telephone number, website, relevant email addresses, physical address, business-related licensing information such as a license number, federal tax identification or social security number, and business or practice bank account information. We may supplement the personal information you submit to use with information from third-party sources.

We collect and use this information from or about you in order to:

Provide you and other customers with access to the products and services offered through the Site;

Improve our insights so we can tailor our content and advertising, and provide you with offer recommendations and/or insights that are most relevant to you;

Provide notices and other information to you about, or in connection with, these products and services;

Provide customer support;

Detect security incidents, protect against malicious, deceptive, fraudulent or illegal activity, fulfill legal requirements and enforce our agreements;

Debug to identify and repair errors that impair existing intended functionality;

Provide, maintain, develop and improve our services, your experience, and to protect QuoteShack and its users;

Improve your experience accessing the products and services offered through the Site by recognizing you as a customer and remembering information you previously provided so that you will not have to re-enter it;

Process your transactions, your loan application or transactions, enable payments, and fund transfers with financial institutions (lenders), to improve and expand our Services, and to determine your financial health. If you register with us, we will use this financial information about you to facilitate and service your account; Connect with securitizations and other investment products with an interest in your loan;

Determine creditworthiness if you are applicant and/or borrower, assess risks related to your transaction, and to help investors determine whether to commit to or purchase your loan; and

We may work with a third party, such as Plaid or others, to access and collect your financial information on our behalf. We use this financial information to process your transactions, to improve and expand our Services, and to determine your financial wellbeing. If you create an account with us, we will use financial information about you to facilitate and service your account. We may also use this information to process your application or transactions and enable payments and fund transfers with financial institutions. We may use this financial information for creditworthiness if you are a borrower, assess risks related to your transaction, and to help investors determine whether to commit to or purchase your credit product. By providing your financial information or your financial payroll information to the third party, you acknowledge and agree that such information accessed, collected, or transmitted by the third party for this purpose will be governed by the privacy policy of the third party.

For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.

For our marketing purposes - to offer our products and services to you

For joint marketing with other financial companies