Privacy Policy

English - French

Last Updated: October 22, 2018 

This privacy policy describes the privacy practices of Nova Credit Inc. (“Nova Credit,” “us”, “we” or “our”) with respect to our Services (as defined in our Terms of Service) offered through www.novacredit.com and our related websites. Please carefully read our policy to understand how we will treat the information that you provide and other information that is collected while using our Services.

WHAT INFORMATION WE COLLECT

When you visit www.novacredit.com (or our related websites) or use our Services, we may collect both Personal Information and Non-Personal Information. Personal Information is information that relates to an identified or reasonably identifiable natural person. Non-Personal Information is information that doesn’t or cannot be reasonably identified to you personally. 

We may collect the following types of information through our Services:

HOW WE USE INFORMATION WE COLLECT

We may use your Personal Information that we collect to:

With respect to the information that is automatically captured about your visit, such as through cookies or other tracking technologies, we may use this information in a variety of ways, including to monitor and maintain information about your visits to our website to better understand your needs and preferences, to help us identify and address problems, to improve our website, to analyze web traffic trends, and to help protect the security and integrity of our website.

INFORMATION DISCLOSURE TO THIRD PARTIES

We may disclose information about you as permitted by law to affiliated and non-affiliated third parties as follows:

YOUR COMMUNICATION CHOICES

When using our Services, you may be presented with a choice to receive marketing communications from us about products or services we or our business providers offer that may be of interest. If you no longer wish to receive marketing offers from us, you may unsubscribe via the unsubscribe link in such communications.

You may set your browser not to accept cookies or to notify you when you receive cookies, giving you the opportunity to decide whether to accept cookies. If you do not accept cookies, you may still use our website, but your experience may be impaired (for more information see Cookie Policy below). Some web browsers may also transmit “do-not-track” signals to websites with which the browser communicates. We currently do not take action in response to these signals at this time. If we do so in the future, we will describe how we do so in this Privacy Policy. For more information about “do not track,” visit www.allaboutdnt.org.

COOKIE POLICY

SECURITY

Personal Information is maintained on our servers or those of our service providers. We use a variety of technologies and processes to help protect the integrity of our Services, including physical, technological, and organizational security measures.

No information transmission or storage system is 100% secure and protecting your Personal Information is also your responsibility. Please safeguard any authentication and identification information you use to access our Services. You should not disclose your authentication information to any third-party and should immediately notify us of any unauthorized use of your password. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any account with us has been compromised), please immediately notify us of the problem by contacting us at help@novacredit.com.

LINKS TO OTHER WEBSITES

Our Services may contain links to websites or services owned and operated by third parties. Information you share with a third-party or third-party site is not subject to this Privacy Policy. Please review the privacy policy of any third-party sites or services you access through our Services.

CHILDREN’S PRIVACY

Our Services are not directed to minors (individuals under the age of majority) and we request that such individuals not provide Personal Information to us. We do not knowingly collect information from minors. If you are under the age of majority, you may browse content available on our site but should not provide any Personal Information to us such as name, address, or email address.

FOR CANADIAN RESIDENTS

Nova Credit and its affiliates and service providers may process and store Personal Information outside of Canada for the purposes described in this privacy policy. While outside of Canada, Personal Information will be subject to applicable foreign laws, which may permit foreign government and national security agencies to access Personal Information in certain circumstances.

If you are a resident of Canada, you may request access to or correction of the Personal Information in our custody or control by writing to us at privacy@novacredit.com or Nova Credit Inc., Customer Relations, 711 Market Street, 2nd floor, San Francisco, CA 94103. We may take reasonable steps to verify your identity before providing access or making corrections.

CHANGES TO PRIVACY POLICY

Nova Credit reserves the right to change this Privacy Policy at any time. If we change this policy, we will revise the “Last Updated” date above. Any changes to our Privacy Policy will become effective upon our posting of the revised Privacy Policy on this page unless otherwise noted. Use of our Services following such changes constitutes your acceptance of the revised Privacy Policy that is in effect. If a change to this Privacy Policy materially modifies your rights or obligations, we may require that you accept the modified Privacy Policy in order to continue to use the Services.

CONTACT

Nova Credit has assigned responsibility for this policy to our Privacy Officer, who you may contact with any questions regarding this Policy at Nova Credit Inc., Attn: Privacy Officer, 711 Market Street, San Francisco, 2nd floor, CA 94103 or by e-mail at privacy@novacredit.com. Please note that e-mail communications will not necessarily be secure. As such, you should not include sensitive personal information in your e-mail correspondence with us.