By providing a Canada Drives Company with your personal information, you consent to the collection, use, disclosure and retention of that information by the Canada Drives Company and other members of the Canada Drives Group in accordance with this Privacy Policy and as otherwise permitted by applicable law. You may withdraw your consent at any time, subject to legal or contractual restrictions and on reasonable notice to Canada Drives Group, but then you might not be able to proceed with your intended interactions or transactions with Canada Drives Group or otherwise receive the full benefit of Canada Drives Group’s products and services.

(a) Information You Provide
You may be asked to voluntarily give your personal information to a Canada Drives Company when you interact with the Canada Drives Company, including when you apply for an account or membership, subscribe to a newsletter, register to receive information, apply or register for or order a product or service offered by a Canada Drives Company or use a product or service provided by a Canada Drives Company. In those circumstances, you can choose not to provide certain requested personal information, but then you might not be able to proceed with your intended interaction or transaction with the Canada Drives Company or otherwise receive the full benefit of the desired product or service.

(b) Automated Collection
A Canada Drives Company may automatically collect certain information regarding your use of the Canada Drives Company’s website or online service, such as the dates and times that you access the website or online service, the browsers, operating systems, software and devices that you use to access the website or online service and details of your use of the website or online service.

A Canada Drives Company’s websites, online services, email messages and advertisements may use technologies (e.g. cookies, web beacons, tokens, pixels or tags) to collect information that assists the Canada Drives Company to improve its products, services, customer communications and advertising and to prevent fraud. A Canada Drives Company may use information that it collects through technological means to recognize you as a user of the Canada Drives Company’s websites or online services, to facilitate and improve your use of the Canada Drives Company’s websites or online services, to confirm that messages have been delivered to and opened by you and to provide you with targeted advertisements. You may choose to decline or disable cookies if your web browser or device permits, but doing so may affect your ability to access or use certain features of a website or online service. More information about cookies used for interest-based advertising is set out in section 4(c) below.

Much of the information that is automatically collected by technological means is non-personal information (because the information does not identify you), and Canada Drives Group will deal with that non-personal information as explained below in this Privacy Policy unless applicable law requires otherwise.

(c) Credit Reports
When you apply or register for, order or use certain products or services from a Canada Drives Company (e.g. a referral to a car dealer for a financed car purchase), the Canada Drives Company may obtain your credit score and related information from a credit reporting agency to process or fulfill the transaction. The Canada Drives Company may continue to periodically obtain your credit score and related information from a credit reporting agency to update your confidential profile for use by Canada Drives Group as set out in this Privacy Policy. Upon your request we will inform you if we have ordered such a report or reports, and will give you the name and address of the credit reporting agency that furnished the report or reports.

You also acknowledge and agree that any dealers or other persons or organizations to which we have disclosed your personal information in accordance with this Privacy Policy, may request a credit report for any legitimate purpose associated with your application [for credit, extending credit, modifying the terms of your credit agreement, or collection on your account.]

(d) Information Regarding Referred Transactions
If a Canada Drives Company refers you to an independent business (e.g. a car dealer, lender or credit card company) for a proposed transaction (e.g. a car purchase, loan or credit card), then the Canada Drives Company may collect from that independent business information regarding the transaction to update your confidential profile for use by Canada Drives Group as set out in this Privacy Policy.

(a) General
Each Canada Drives Company discloses your personal information for purposes relating to or arising from your relationship and transactions with the Canada Drives Company and as otherwise set out in this Privacy Policy or permitted by applicable law.

(b) Specific Consents
A Canada Drives Company may disclose your personal information in accordance with express or implied consents that you give during your interactions and transactions with the Canada Drives Company.

(c) Referred Transactions
If a Canada Drives Company refers you to an independent business (e.g. a car dealer, lender or credit card company) for a proposed transaction (e.g. a vehicle purchase, loan or credit card application), then the Canada Drives Company may disclose your personal information (including your credit score that you provided to a Canada Drives Company, bank account information, and related information) to the independent business to facilitate the proposed transaction. Canada Drives Group has no control over, or responsibility or liability for, the use, disclosure or retention of your personal information by the independent business, and the use, disclosure and retention of the disclosed information by the independent business is not subject to this Privacy Policy.

(d) Suppliers and Service Providers
A Canada Drives Company may disclose your personal information to its suppliers and service providers (including fraud prevention services and payment processors) to assist the Canada Drives Company in the provision of information, products and services to you, to provide services to the Canada Drives Company, to assist the Canada Drives Company to use your personal information as set out in this Privacy Policy and as otherwise permitted by applicable law.

(e) Law Enforcement/Legal Disclosures
A Canada Drives Company may disclose your personal information as required or authorized by applicable law, including to comply with a subpoena, warrant or court or arbitral order or litigation disclosure obligation. A Canada Drives Company may disclose your personal information to law enforcement agencies or other independent organizations if the Canada Drives Company reasonably believes the disclosure is necessary or appropriate in connection with national security, law enforcement or other issues of public importance, or if the Canada Drives Company reasonably believes the disclosure is necessary or appropriate to protect and enforce the Canada Drives Company’s legal rights, interests and remedies or to protect the rights, interests, business, operations or customers of the Canada Drives Company or other persons (including to detect and prevent fraud and other illegal activities, enforce any of the terms of use, terms of service or other agreements that govern access to or use of any of the Canada Drives Company’s products or services). A Canada Drives Company has no control over, or responsibility or liability for, the use, disclosure or retention of your personal information by the agencies, independent organizations or other persons to whom the Canada Drives Company discloses the information in the foregoing circumstances, and the use, disclosure and retention of the disclosed information by those agencies, independent organizations or other persons is not subject to this Privacy Policy.

(f) Business Transactions
A Canada Drives Company may disclose your personal information in connection with a proposed or actual business transaction in which the Canada Drives Company is involved (such as a corporate amalgamation, reorganization, merger or acquisition, or the sale or transfer of some or all of the Canada Drives Company’s business or assets), but the Canada Drives Company will require the information recipient agree to protect the privacy of your personal information in a manner that is consistent with this Privacy Policy and applicable law.

Canada Drives Group retains your personal information for the period reasonably necessary for the purposes set out or referenced in this Privacy Policy and to comply with Canada Drives Group’s legal obligations or enforce or protect Canada Drives Group’s legal rights, or a longer period required or permitted by applicable law. Canada Drives Group will delete or dispose of your personal information when Canada Drives Group is no longer reasonably required to retain the information for the purposes set out or referenced in this Privacy Policy.

Canada Drives Group will rely on you to ensure that your personal information that you provide to Canada Drives Group is as accurate, complete and up to date as necessary for the purposes for which Canada Drives Group uses the personal information. You will promptly notify Canada Drives Group of any changes to your personal information using the procedures made available for that purpose by Canada Drives Group or by contacting Canada Drives Group’s customer service.

You may reasonably request access to your personal information collected by Canada Drives Group and information about Canada Drives Group’s use, disclosure and retention of that personal information by submitting a written request to Canada Drives Group’s Chief Privacy Officer using the contact information noted below. Subject to applicable exceptions and limitations prescribed by applicable law, you will be given reasonable access to your personal information and you will be entitled to verify the accuracy and completeness of your personal information and to have the information revised as appropriate. You may be required to pay a reasonable fee for access to your personal information. Canada Drives Group may decline to process a request that is unreasonably repetitive, frivolous, vexatious or impracticable, that infringes or jeopardizes the privacy of other persons, or for other reasons permitted by applicable law.