Auto Credit Deals
Last Updated June 23, 2022
(a) Information You Provide
You may be asked to voluntarily give your personal information to ACD when you interact, orally, in writing or by electronic transmission, with ACD, including when you apply for an account or membership, subscribe to a newsletter, register to receive information, apply or register for or order a product or service offered by ACD or use a product or service provided by ACD. In those circumstances, you can choose not to provide certain requested personal information, but then you might not be able to proceed with your intended interaction or transaction with ACD or otherwise receive the full benefit of the desired product or service. Telephone calls between you and ACD will be recorded to ensure accuracy and quality assurance, and may be disclosed to third parties to verify ACD is compliant with its contractual obligations to third parties. You can choose not to have the telephone call recorded, and communicate by writing or electronic transmission.
(b) Automated Collection
ACD may automatically collect certain information regarding your use of ACD’s website or online service, such as the dates and times that you access the website or online service, the browsers, operating systems, software and devices that you use to access the website or online service and details of your use of the website or online service.
ACD’s website, online services, email messages and advertisements may use technologies (e.g. cookies, web beacons, tokens, pixels or tags) to collect information that assists ACD to improve its products, services, customer communications and advertising and to prevent fraud. ACD may use information that it collects through technological means to recognize you as a user of ACD’s website or online services, to facilitate and improve your use of ACD’s website or online services, to confirm that messages have been delivered to and opened by you and to provide you with targeted advertisements. You may choose to decline or disable cookies if your web browser or device permits, but doing so may affect your ability to access or use certain features of a website or online service. More information about cookies used for interest-based advertising is set out in section 4(c) below.
(c) Credit Reports
(d) Information Regarding Referred Transactions
• to administer your relationship with ACD, including to create and manage your account or membership with ACD and to contact and correspond with you regarding those matters;
• to facilitate your interactions and transactions with ACD, including to process your applications, requests and orders;
• to provide products and services to you; • to process and respond to your inquiries, requests and other communications;
• to provide you with information (including by email and other electronic messages) regarding ACD and its products and services and related products and services offered by other businesses, to the extent permitted by applicable law;
• to administer and facilitate your participation in contests and promotions related to ACD;
• to maintain, protect and improve ACD’s products and services and to develop new products and services;
• to protect and enforce ACD’s legal rights, interests and remedies and to protect the business, operations and customers of ACD or other persons; and
(b) Disclosure by ACD
(c) Interest-Based Advertising
(b) Specific Consents
ACD may disclose your personal information in accordance with express or implied consents that you give during your interactions and transactions with ACD.
(c) Referred Transactions
(d) Suppliers and Service Providers
(e) Law Enforcement/Legal Disclosures
(f) Business Transactions
ACD and ACD Companies, and its and their service providers may process, store and use your personal information at facilities in various countries, including Canada, the United States of America and one or more countries in Europe or Asia. The personal information protection laws of those other countries might be different from the laws of the jurisdiction in which you reside, and might permit courts, government, law enforcement agencies, regulatory agencies and security authorities to access your personal information without notice. By providing your personal information to ACD, you consent to the transfer of the personal information to facilities located in other countries and the processing and storage of the personal information at those facilities.
ACD will rely on you to ensure that your personal information that you provide to ACD is as accurate, complete and up to date as necessary for the purposes for which ACD uses the personal information. You will promptly notify ACD of any changes to your personal information using the procedures made available for that purpose by ACD or by contacting ACD’s customer service.
You may reasonably request access to your personal information collected by ACD and information about ACD’s use, disclosure and retention of that personal information by submitting a written request to ACD’s Privacy Officer using the contact information noted below. Subject to applicable exceptions and limitations prescribed by applicable law, you will be given reasonable access to your personal information and you will be entitled to verify the accuracy and completeness of your personal information and to have the information revised as appropriate. You may be required to pay a reasonable fee for access to your personal information.
You may request ACD delete your personal information in its possession by submitting a written request to ACD’s Privacy Officer using the contact information noted below. Subject to applicable exceptions and limitations prescribed by applicable law, ACD will delete your personal information.
ACD will take appropriate steps to verify the identity of anyone requesting changes to, access to or deletion of the individual’s personal information. ACD may decline to process a request to change or access personal information that is unreasonably repetitive, frivolous, vexatious or impracticable, that infringes or jeopardizes the privacy of other persons, or for other reasons permitted by applicable law.
(a) Disclaimers, Liability Exclusions/Limitations and Disputes:
(b) Changes to this Policy:
(d) English Language:
(e) Contacting ACD’s Privacy Officer: