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Website Privacy Policy

 Last update: October 30, 2018

Quality Credit Reporting specializes in providing in-depth credit reports for businesses. To provide credit reports to our customers, we use an investigative approach for every file to find the most valuable, credible and up-to-date information possible to help our clients.

This Privacy Notice provides you with information on the measures we take to comply with applicable privacy laws. This Privacy Notice is a summary of our practices. If you need more detailed information, please contact us at the address below.

In this Privacy Notice, references to Quality Credit Reporting are references to Quality Credit Services Limited.

Understanding how personal information is relevant to our business

We collect personal information to produce credit reports for our customers and to operate our business.

When our customer engages us to produce a credit report, we collect personal information about the individual that will be the subject of the credit report. We collect this information on behalf of our customer to produce the report. Our customer’s privacy policy will govern our customer’s collection, use and disclosure of that personal information by our customer. For more information on our practices when serving our customers, read “Serving our customers”.

We also collect personal information to conduct our business. For example, we collect personal information when you contact us for services, when you use our website, or if you apply for employment. We collect this information for our own use. This Privacy Notice provides you with general information on our practices regarding the collection, used and disclosure of your personal information for our own use. Read, “Operating our business” for more details.

Serving our customers

  • Collecting information on behalf of our customers

Our customers are businesses that need credit reports for a variety of business purposes, including evaluating the credit worthiness of their business partners or clients or who are engaged in debt recovery. For example, our customers include franchisors, landlords and employers who are seeking reports on prospective franchisees, tenants or employees. Our customers also include creditors and their agents who are seeking information to help them recover debts. While our credit reports would not normally have any impact on your credit score with a credit bureau, the result of our credit report may be used to determine your eligibility for credit and may reveal information that you have not disclosed to our customer.

  • Obtaining your consent

Before we collect information about you for a customer, the purpose for collecting personal information is assessed by our employees to ensure there is a legitimate reason for collecting your personal information. We also determine whether your consent is required. Your consent is not required if we are collecting information to investigate potential fraud, breaches of agreements, or to recover a debt.

If your consent is required, our customer is responsible for obtaining that consent. This will usually be obtained as part of your application to be a franchisee, tenant or employee. We will keep that consent on file.

  • What information we collect

We will collect information to verify the information that you provided to our customer. In addition, we may seek information from credit bureaus and investigate your employment and credit history. This may include the collection of information from third parties you have done business with (such as your current and past employers, your bank and other creditors) and government databases (such as corporate databases, land titles registries, Sheriff’s abstracts, the Superintendent of Bankruptcy, personal property security registries, driver’s abstracts from a Ministry of Transportation and other sources).

  • Using and Disclosing your information

We only use information we collect for a credit report for the purposes of preparing that credit report for our customer. We may need to disclose certain information about you to third parties to obtain or verify information. For example, we may need to disclose your franchise application to your bank to obtain information from your bank to verify the information on your application form. However, we limit the disclosure to what is reasonably necessary to obtain the information.

We will only provide a copy of the completed credit report to our customer unless the consent you provided to our customer gives us permission to provide the information to other parties.

Operating our business

  • Collecting information for our business

We collect information to operate our business. For example, we collect information from you if you sign up for one of our newsletters, you make an inquiry, you retain us to provide services to you, you make an application for employment or you exercise any of the rights set out below under “Exercising your rights”. We also collect information about your use of our website. If you have signed up for a newsletter or filled out one of our website forms, then we are able to identify you when you are using our website.

We collect information to identify potential customers, respond to your requests, to verify your identity, to monitor the use of our website, products and services, to learn about what we could do better, to develop or invent new products and services, to show you targeted advertisements on other websites and social media sites based on your prior interactions with us and our website, to detect, prevent and detect fraud or improper use of our website, our products or our services, to investigate and resolve complaints, and to comply with applicable laws. We strive only to communicate with individuals who wish to receive our communications or for whom our advertisements may be relevant. However, if you are receiving unwanted communications or advertisements from us even after adjusting your preferences, please let us know.

  • Obtaining your consent

We rely on implied consent when you initiate contact with us and provide us with your contact information or when you navigate our website on which this Privacy Notice is posted. However, we will ask for your express consent if we ask you for sensitive information. Please note, however, that we may not obtain your consent if we are required by law to collect the information or we are collecting information for the purposes of investigating a breach of an agreement with us or a violation of law, or to detect, investigate or prevent fraud or to collect a debt.

  • What information we collect

To operate our business, we collect your contact information. In addition, if we are doing business with you or you are an applicant for employment, we may need additional information such as your date of birth, your former addresses, your current and former employers, and other relevant information to our business or employer-employee relationship.

Some of the information that we collect is collected on our behalf by third parties. For example, we use third party service providers such as HubSpot, Google, and LinkedIn to collect information on the use of our website and interactions with us and our advertisements on social media. This information may include information such as your IP address, browser type, areas of the website you visited, what pages you clicked on, how long you stayed on pages of our website, what website referred you to our site, and other online activity information. Our service providers may also use that information to locate your social media profiles and to match you to prior visits to our website or interactions with our online advertisements. This information may be added to your contact profile for us to use for the purposes set out above under “Collecting your information for our business”.  For information on how to opt-out from analytics and online advertising, see “Exercising your rights” below.

  • Using and Disclosing your information

We limit the use of your personal information to the purposes for which we collected it. We use third-party service providers in our business. These third-party service providers may be located in Canada, in the United States or in other locations around the world. We evaluate the risks with respect to the use of our third-party service providers. Nevertheless, these third-party service providers may be subject to laws that are different from those in Canada and may provide governments and law enforcement in those jurisdictions with rights to access information held by those service providers. Other than service providers, we generally do not disclose your personal information to any third-party unless we have your consent.

There are some exceptions. We may disclose your personal information to third parties if it is necessary for us to enforce our rights (including with respect to the proper use of our website and our products and services, or to collect a debt), to detect, investigate or prevent fraud, or as required by law (including to respond to requests from law enforcement and regulatory bodies with jurisdiction). We may also disclose your personal information to a third party as part of a business transaction, such as the sale of all or a part of our business, a financing, or other business transaction.

Safeguards

We employ physical, technical and organizational controls to protect your personal information from loss, unauthorized access, unauthorized use and unauthorized disclosure. For security reasons, we do not share all of our safeguards publicly. However, some of the safeguards that we employ are: (i) physical controls to monitor and control access to our premises and secure storage areas within our premises; (ii) secure destruction and disposal of paper and electronic media; (iii) policies and procedures regarding the transmission of personal information by email, fax and other means, (iv) encrypted connections for website pages in which sensitive information is being transmitted, and (v) policies and procedures to limit access to your personal information to those employees and service providers with a need to know your personal information.

Exercising your rights

The information we collect when we create credit reports is sensitive. When you exercise the rights described below we will ask you to answer questions to confirm your identity before we release information to you. We may need to ask you to visit us in person to prove your identity. You are also entitled to visit us in person to review the information we have collected.

To exercise any of the rights listed below, please make your request in writing and provide the following information: (i) your name, (ii) your address, (iii) a telephone number where we can call you during business hours, and (iv) the name of the business (if known) that asked us to prepare a credit report about you.

  • Access to information

You have the right to access the personal information that we have collected about you. To exercise this right, contact us at the address listed below.

  • Disputing the accuracy of our information

You have the right to challenge the accuracy of the information that we recorded about you. To exercise this right, you will need to provide us with the correct information. We will investigate the issue. If the information we recorded was inaccurate, we will update it and let anyone we provided a credit report about you know. If the information was provided to us by another credit reporting agency, such as Equifax or TransUnion, we will advise you of this and refer you to them to challenge the information.

  • Withdrawing consent

You have the right to withdraw your consent from the continuing collection, use or disclosure of your personal information.

If you provided consent to the collection of personal information for a credit report, you have the right to withdraw your consent. However, you will need to contact our customer who originally obtained your consent. Please note that the withdrawal of consent will not result in us destroying files or information that we are legally obligated to retain or that we have determined must be retained in accordance with our record retention policies and procedures as a good business practice or to protect ourselves from litigation.

You can opt-out of the collection of data about your website use by blocking cookies in your browser or by using the opt-out tools made available by using the tools made available at the following websites: http://www.networkadvertising.org/choices/ and http://youradchoices.ca/choices/. If you opt out of targeted advertising, you may still see advertising from us; however, this will not be based on your usage of our website.

  • Complaining about our personal information practices

We have a Privacy Officer who is accountable for our compliance with applicable privacy laws. You have the right to make a complaint if you believe that we have not met our legal obligations or that we have not followed this Privacy Notice. Our Privacy Officer will investigate the complaint to determine whether it is well-founded and whether corrective action is required.

 

Contacting Us

Quality Credit Reporting
Attention: Privacy Officer
207-90C Centurian Drive
Markham, Ontario
L3R 8C5

Tel: (905) 470-4200
Toll Free: (800) 655-9564