Introduction
At Ontario Underwriters, we are committed to protecting your privacy and safeguarding your personal information. This Privacy Policy outlines how we collect, use, disclose, and protect your information when you interact with our vehicle financing website, in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable Ontario privacy laws, including the Freedom of Information and Protection of Privacy Act (FIPPA) and the Consumer Protection Act, 2002.
Information We Collect
We collect personal information to provide vehicle financing services and improve your experience on our website. The types of personal information we may collect include:
- Name, address, email, and phone number
- Date of birth
- Driver’s licence number
- Employment and income details
- Credit history and financial information
- Vehicle preferences and purchase details
How We Use Your Information
Your personal information is used for the following purposes:
- Processing vehicle financing applications
- Assessing creditworthiness and eligibility
- Communicating with you regarding your application and vehicle financing options
- Complying with legal and regulatory requirements
- Improving our products, services, and website functionality
- Providing customer support and responding to inquiries
Consent
By using our website or submitting an application, you consent to the collection, use, and disclosure of your personal information as described in this policy. You may withdraw your consent at any time, subject to legal or contractual restrictions and reasonable notice.
Disclosure of Personal Information
We may share your personal information with:
- Financial institutions and lenders for financing purposes
- Credit bureaus and agencies for credit checks
- Vehicle dealerships and service providers
- Government agencies as required by law
- Our affiliated companies and partners, with your consent
We do not sell or rent your personal information to third parties. Any disclosure will be in accordance with PIPEDA, FIPPA, and other applicable laws.
Data Security
We use industry-standard security measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction. These measures include secure data storage, encryption, and access controls. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.
Access and Correction
You have the right to access your personal information held by us and to request corrections if it is inaccurate or incomplete. To make a request, please contact our Office using the contact information provided below.
Retention of Information
We retain personal information only as long as necessary to fulfill the purposes for which it was collected and to comply with legal, regulatory, and contractual obligations.
Children’s Privacy
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children.
Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will post any updates on our website and indicate the effective date.
Contact Information
If you have any questions or concerns about our Privacy Policy or the handling of your personal information, please contact us at:
Ontario Underwriters
437-352-5422
info@on-u.org
Effective Date
This Privacy Policy is effective as of 2025-12-12.