Privacy Policy
ExpressGuthaben Inc.
Your trust is our priority
1. Data Controller
ExpressGuthaben Inc.
123 Main Street, Suite 500
Toronto, ON M5H 1A1
Canada
2. Data Collected
a) Personal Data
- Identity Data: Name, date of birth, phone number
- Contact Data: Address, email address
- Financial Data: Income, bank statements, credit score
- Documentation: Copy of ID, proof of residence
b) Technical Data
- IP address, browser type
- Cookies (see our Cookie Policy)
3. Purpose and Legal Basis
| Purpose of Processing | Legal Basis (PIPEDA) |
|---|---|
| Credit verification | Contract fulfillment |
| Identity verification | Legal obligation |
| Creditworthiness assessment | Legitimate interest |
| Marketing communications | Consent |
4. Data Sharing
- Financial Institutions: For loan processing
- Credit Bureaus: For credit verification
- IT Service Providers: Only according to Canadian standards
- Authorities: In case of legal obligation
We comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws across Canada.
5. International Transfers
Data is primarily processed in Canada. Exceptions (e.g., Google Analytics) only occur with:
- Standard contractual clauses
- Adequacy decisions
- Protection measures compliant with Canadian laws
6. Retention Periods
- Loan applications: 3 years
- Contract execution: 10 years
- Cookies: Maximum 13 months
7. Your Rights
You have the right to:
Contact our Privacy Officer:
privacy@expressguthaben.com
8. Security Measures
- TLS (SSL) encryption
- Certified data centers
- Regular security audits
- Staff training on data protection
9. Cookies and Tracking
We use:
- Essential cookies (session cookies)
- Analytics cookies (only with consent)
Control options: Your browser settings or our cookie banner.
10. Changes and Updates
Changes will be announced 30 days in advance:
- By email (for existing clients)
- By notice on our website
You can object to the use of your data for advertising purposes at any time:
privacy@expressguthaben.com