Privacy Policy

1. Information we collect

Depending on the solution you are interested in, we may collect:

• Identity and contact information: name, address, email, phone number, date of birth.
• Financial information: income, employment, financial obligations, banking details and, with your consent, your credit report.
• Vehicle or warranty information: make, model, year, vehicle identification number (VIN), warranty contract.
• Business information, if you are a partner or merchant: business name, contact details, transaction volume.
• Technical information: IP address, browser type, pages visited, cookies, and website usage data.

2. How we use your information

• To respond to your requests and communicate with you.
• To assess your eligibility and submit your financing application to our financial partners.
• To administer contracts, payments, prepaid cards, and merchant accounts.
• To verify your identity and prevent fraud, money laundering, and other unlawful activity.
• To improve our website, products, and customer experience.
• To meet our legal and regulatory obligations.
• To send you marketing communications, if you have consented (you may unsubscribe at any time).

3. Consent

We collect, use, and disclose your information with your consent, except where the law permits or requires otherwise. A credit check is only performed with your express authorization. You may withdraw your consent at any time, subject to legal or contractual restrictions; doing so may prevent us from processing your application.

4. Sharing with third parties

We do not sell your personal information. We may share it, to the extent necessary, with:

• our financial partners, lenders, card issuers, and warranty providers that offer or administer the product you requested;
• credit reporting agencies (such as Equifax and TransUnion), with your consent;
• our service providers (hosting, payment processing, identity verification, communications), who are bound by confidentiality obligations;
• authorities, where required or permitted by law.

Some providers may store information outside Québec or Canada. Before any such transfer, we assess the privacy implications and require adequate protection.

5. Cookies and analytics

Our website may use cookies and similar technologies to function properly, measure traffic, and improve your experience. You can refuse or delete cookies in your browser settings; some features of the site may then be limited.

6. Retention and security

We keep your information only as long as necessary for the purposes described or as required by law, after which it is securely destroyed or anonymized. We use reasonable physical, administrative, and technological safeguards (encryption, access controls, and more). However, no transmission over the Internet is completely secure.

7. Your rights

Subject to applicable law, you may:

• access the information we hold about you and obtain a copy, including in a structured technological format;
• have inaccurate, incomplete, or equivocal information corrected;
• withdraw your consent or request that dissemination of your information cease;
• be informed of decisions based exclusively on automated processing and submit your observations.

To exercise your rights, contact our Privacy Officer (section 9). We will respond within 30 days. You may also file a complaint with the Commission d’accès à l’information du Québec or the Office of the Privacy Commissioner of Canada.

8. Minors

Our solutions are intended for adults. We do not knowingly collect personal information about minors.

9. Privacy Officer

For any question, request, or complaint: Person in charge of the protection of personal information, Finance RentUgo, 4929 Rue Jarry E #219, Saint-Léonard (QC) H1R 1Y1. Email: ventes@rentugo.com.

10. Changes

We may update this policy. The current version is posted on this page with its update date. If we make significant changes, we will notify you by appropriate means.