Privacy Policy

GO GO Loans Inc. shall observe the following 10 principles when dealing with your personal information.

Principle # 1: Accountability

All of our employees are responsible for protecting all personal information to which they have access. We have established strict policies and procedures for protecting personal information and have designated one or more individuals to be responsible for monitoring our compliance.

Principle # 2: Identifying the Purposes of Collecting Personal Information

Either before or when we collect information about you, we will identify and explain the purposes for which we collect the personal information. We collect, use and disclose information about you for a variety of reasons:

To identify you and verify any information you give us;
To protect from error and fraud;
To understand your needs and eligibility for products and services;
To recommend particular products and services so we may serve you better;
To comply with legal and regulatory requirements;
To determine your eligibility for products and services of others.
Your personal information may be verified with credit bureaus, credit insurers, registries, your employer, personal references and other lenders. We may collect from you and share health information with insurers and insurance agents for the purpose of applying for creditor insurance.

Principle # 3: Obtaining Consent

When you apply for a new product or service, we ask you for your consent to collect, use or discloser your personal information. Your consent can be express, implied, or given through an authorized representative. However, we may collect, use or disclose personal information without your knowledge or consent in exceptional circumstances where such collection, use or disclosure is permitted or as required by law. Subject to legal, regulatory and contractual requirements, you can refuse to consent to our collection, use or disclosure of information about you, or you may withdraw your consent to our further collection, use or disclosure of information at any time in the future by giving us reasonable notice. Depending on the circumstances, withdrawal of your consent may prevent us from providing you or continuing to provide you with products, services or information that may be of value to you.

Principle # 4: Collection of Personal Information

We only collect the personal information we need. We collect personal information using policies and procedures which are fair and lawful. Personal information includes any factual or subjective information, recorded or not, about an identifiable individual. This includes information in any form, such as:

Age, name, ID numbers, income
Opinions, evaluations, comments, social status or disciplinary actions regarding an individual
Credit records, loan records, dispute records, of an individual

Principle # 5: Limit Use, Disclosure and Retention

We will only use or disclose your personal information for the reasons and purposes it was collected, unless you give us your consent to use or disclose it for another reason, or it is permitted or required by law. Under no circumstances do we sell or give lists of our customers to other companies for their own use and, if we obtain client lists from other organizations, we require the organizations to confirm their compliance with all relevant privacy legislation.

Your personal information may be shared with our affiliates for the purpose of marketing, including telemarketing, so that our affiliates can offer you a broader range of product and service solutions to meet your needs. Over time, we may buy new businesses or sell some of our businesses. Accordingly, personal information associated with any accounts, products or services of the business being purchased or sold will be transferred as a business asset to the new business owner.

We may use other companies to provide services on our behalf such as data processing, account administration and marketing. They will be given only the information needed to perform those services. We have contracts in place holding these companies to the same high standards of confidentiality by which we are governed. In some cases, these other companies may be located outside of Canada and may be required to disclose information to government authorities, regulators or law enforcement under a lawful order made in that country.

Personal information may be released to legal or regulatory authorities in cases of suspected money laundering, insider trading, manipulative or deceptive trading, or other criminal activity, for the detection and prevention of fraud, or when required to satisfy the legal or regulatory requirements of governments, regulatory authorities or other self-regulatory organizations. Other reasons for the release of personal information include when we are legally required to do so or to protect our assets. If we release personal information for any of these reasons, we keep a record of what, when, why and to whom such information was released.

When we obtain a report and update your information with a credit bureau, your Social Insurance Number (SIN) is the best way to make sure that the information actually refers to you. Wrong information can lead us into making wrong conclusions about you. You should be aware, though, that using your SIN this way is voluntary for you. While the law requires us to ask for your SIN when you open an account which earns income, we need to get your consent to use it in any other way. If you choose not to give us your SIN, this by itself will not prevent you from getting credit or any other service.

We keep your personal information only so long as we need it for the products and services you are using, to offer you products and services when you are a customer and for a reasonable time thereafter, or to meet any legal requirements. We have retention standards which meet these requirements. We destroy your personal information when it is no longer needed, or we remove your name from the personal information.

Principle # 6: Accuracy

We will keep personal information as accurate, complete and up to date as necessary for the identified purposes for which it was collected. You may cause information which is contained in your file which is inaccurate, incomplete or equivocal to be rectified. You may also cause obsolete information or unnecessary information to be deleted, or deposit your written comments in our file. If you discover inaccuracies in our data or your personal information changes, please notify us, in writing, immediately so that we can make the necessary changes. Please e-mail or write us at:

Chief Privacy Officer
GO GO Loans Inc.
675 Cochrane Dr,
The West Tower,
Suite 104,
Markham, ON, L3R 0B8
Email: privacy@gogoloans.com

Principle # 7: Appropriate Safeguards

We use appropriate security safeguards to protect personal information which are appropriate to the sensitivity of the information.

Principle # 8: Openness

We are open about the policies and procedures we use to manage your personal information. The information about these policies and procedures is made available in a manner that uses simple language and is generally easy to understand.

Principle # 9: Access to Your Personal Information

You may make a request in writing for access to personal information about yourself. Once we have verified your identity, we will tell you what personal information we have, what it is being used for, and to whom it has been disclosed. We will provide this information in a timely manner and may charge you a nominal fee depending on the nature of your request. We will advise you of the fee prior to proceeding with your request.

In certain situations, we may not be able to give you access to all the information requested. In these situations, we will, except where prohibited by law, explain the reasons why cannot give you access such information.

Principle # 10: Recourse

You may, in writing, challenge our compliance with this Privacy Policy. We have policies and procedures to receive, investigate, and respond to your complaints and questions.If you have any concerns regarding this Privacy Policy or have any further questions,

please e-mail or write us at:

Chief Privacy Officer
GO GO Loans Inc.
675 Cochrane Dr,
The West Tower,
Suite 104,
Markham, ON, L3R 0B8
Email: privacy@gogoloans.com