Privacy Policy

Last Updated: Feb 23rd 2021

Your privacy is important to Car Network Canada, and its corporate affiliates. This Privacy Policy explains how Car Network Canada Group collects, uses, discloses and retains personal information, including information collected by Car Network Canada Group through websites and telephone calls and when providing products or services.

1. Your Consent

By providing a Car Network Canada Company with your personal information, you consent to the collection, use, disclosure and retention of that information by the Car Network Canada Company and other members of the Car Network Canada 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 Car Network Canada, but then you might not be able to proceed with your intended interactions or transactions with Car Network Canada or otherwise receive the full benefit of Car Network Canada products and services.

2. Personal Information

In this Privacy Policy, “personal information” means information about an identifiable individual, such as an individual's name and email address, but does not include (to the extent permitted by law) information that is publicly available in a telephone directory or that is business contact information that enables an individual to be contacted at a place of business.

3. Information That Car Network Canada Group Collects

(a) Information You Provide

You may be asked to voluntarily give your personal information to a Car Network Canada Company when you interact, orally, in writing or by electronic transmission, with the Car Network Canada 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 Car Network Canada Company or use a product or service provided by a Car Network Canada 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 Car Network Canada Company or otherwise receive the full benefit of the desired product or service. Telephone calls between you and the Car Network Canada Company will be recorded to ensure accuracy and quality assurance, and may be disclosed to third parties to verify the Car Network Canada is compliant with its contractual obligations to third parties. You can choose not to have the telephone call recorded, and communicate by writing or electronic transmission.

(b) Automated Collection

Car Network Canada may automatically collect certain information regarding your use of the Car Network Canada 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.

Car Network Canada 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 Car Network Canada to improve its products, services, customer communications and advertising and to prevent fraud. A Car Network Canada may use information that it collects through technological means to recognize you as a user of the Car Network Canada Company's websites or online services, to facilitate and improve your use of the Car Network Canada 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 Car Network Canada will deal with that non-personal information as explained below in this Privacy Policy unless applicable law requires otherwise.

When you apply or register for, order or use certain products or services from a Car Network Canada (e.g. a referral to a car dealer for a financed car purchase), the Car Network Canada may obtain your credit score and related information from a credit reporting agency to process or fulfill the transaction. The Car Network Canada may continue to periodically obtain your credit score and related information from a credit reporting agency to update your confidential profile for use by Car Network Canada 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 Car Network Canada 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 Car Network Canada may collect from that independent business information regarding the transaction to update your confidential profile for use by Car Network Canada as set out in this Privacy Policy.

4. How Car Network Canada Group Uses Personal Information (a) General

Car Network Canada uses your personal information collected by Car Network Canada for purposes relating to or arising from your relationship and transactions with the Car Network Canada and as otherwise set out in this Privacy Policy or permitted by applicable law, including:

• to administer your relationship with Car Network Canada Group, including to create and manage your account or membership with Car Network Canada Group and to contact and correspond with you regarding those matters;

• to facilitate your interactions and transactions with Car Network Canada , including to process your applications, requests, orders and payments;

• to provide products and services to you;

• to process and respond to your inquiries, requests and other communications;

• to provide you with information (including by email and other electronic messages) regarding Car Network Canada and its products and services and related products and services offered by other businesses, to the extent permitted by applicable law;

• to administer and facilitate your participation in contests and promotions related to Car Network Canada;

• to maintain, protect and improve Flash Auto's Inc products and services and to develop new products and services;

• to protect and enforce Car Network Canada Group's legal rights, interests and remedies and to protect the business, operations and customers of Car Network Canada or other persons; and

• to assist other Car Network Canada Companies to collect, use, disclose and retain your personal information in accordance with this Privacy Policy.

(b) Car Network Canada

A Car Network Canada may share your personal information with the entire Car Network Canada, and the Car Network Canada may develop, maintain and share a confidential profile for you for use by each Car Network Canada to provide information, products and services to you, to facilitate your dealings with each Car Network Canada and as otherwise set out in this Privacy Policy.

The Car Network Canada may use interest-based advertising services (sometimes called “remarketing” or “retargeting”) provided by third party vendors (such as Google and Facebook) to display advertisements on third party websites and social media sites visited by users of a Car Network Canada website. Advertising vendors (such as Google and Facebook) use cookies, pixels or tokens – unique identifiers of a web browser on a specific computer that are installed on the computer when it accesses Car Network Canada websites – to display ads based on the computer's past access to Car Network Canada Group websites. You can opt-out of Google's use of cookies by visiting Google's Ads Settings. You can also opt out of a remarketing vendor's use of cookies by visiting the Network Advertising Initiative's consumer opt-out page.

5. How Car Network Canada Discloses Personal Information (a) General

Car Network Canada Company discloses your personal information for purposes relating to or arising from your relationship and transactions with the Car Network Canada and as otherwise set out in this Privacy Policy or permitted by applicable law.

(b) Specific Consents

Car Network Canada may disclose your personal information in accordance with express or implied consents that you give during your interactions and transactions with the Car Network Canada

If a Car Network Canada 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 application), then the Car Network Canada may disclose your personal information (including your credit score and related information) to the independent business to facilitate the proposed transaction. Car Network Canada 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

Car Network Canada may disclose your personal information to its suppliers and service providers (including fraud prevention services and payment processors) to assist the Car Network Canada in the provision of information, products and services to you, to provide services to the Car Network Canada, to assist the Car Network Canada 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 Car Network Canada 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 Car Network Canada may disclose your personal information to law enforcement agencies or other independent organizations if the Car Network Canada reasonably believes the disclosure is necessary or appropriate in connection with national security, law enforcement or other issues of public importance, or if the Car Network Canada reasonably believes the disclosure is necessary or appropriate to protect and enforce the Car Network Canada company's legal rights, interests and remedies or to protect the rights, interests, business, operations or customers of the Car Network Canada 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 Car Network Canada Company's products or services). A Car Network Canada 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 Car Network Canada 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

Car Network Canada may disclose your personal information in connection with a proposed or actual business transaction in which the Car Network Canada is involved (such as a corporate amalgamation, reorganization, merger or acquisition, or the sale or transfer of some or all of the Car Network Canada Company's business or domain_assets), but the Car Network Canada 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.

6. Location of Personal Information

Car Network Canada and its service providers may process, store and use your personal information at facilities in various countries, including Canada, the United States of America and one or more countries in Europe or Asia. The personal information protection laws of those other countries might be different from the laws of the jurisdiction in which you reside, and might permit courts, government, law enforcement agencies, regulatory agencies and security authorities to access your personal information without notice. By providing your personal information to a Car Network Canada, you consent to the transfer of the personal information to facilities located in other countries and the processing and storage of the personal information at those facilities.

7. Retention of Personal Information

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

8. Protection of Personal Information

Car Network Canada uses reasonable safeguards – including administrative, physical and technical security and safeguarding measures – appropriate to the sensitivity of the personal information in Car Network Canada possession or under Car Network Canada Group's control to help protect the information from unauthorized access, collection, use, disclosure, disposal or similar risks. Nevertheless, security risks cannot be eliminated and Car Network Canada cannot guarantee that your personal information will not be used, disclosed or deleted in ways not otherwise described in this Privacy Policy.

9. Accuracy and Access to Personal Information

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

You may reasonably request access to your personal information collected by Car Network Canada and information about Car Network Canada uses, disclosure and retention of that personal information by submitting a written request to Car Network Canada Chiefs 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. Car Network Canada 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.

10. Non-Personal Information

Car Network Canada creates and collects non-personal information (information that is not about an identifiable individual), including personal information that has been aggregated or otherwise depersonalized so that the information no longer relates to an identifiable individual. Car Network Canada Group may use, disclose, transfer and retain non-personal information for any purpose and in any manner whatsoever. If non-personal information is combined with personal information, then Car Network Canada will treat the combined non- personal information as personal information for the purposes of this Privacy Policy for as long as the non- personal information is combined.

11. Other Websites and Businesses

Car Network Canada websites and correspondence (including emails and messages) may include advertisements for products and services (e.g. car sales, personal loans and credit cards) offered by independent businesses (that may have a financial relationship with a Car Network Canada) or links to websites operated by independent businesses (e.g. car dealers, lenders and credit card providers). Car Network Canada has no responsibility or liability for, or control over, those other websites, online services or businesses, their products or services, or their collection, use, disclosure or retention of your personal information. This Privacy Policy does not apply to the collection, use, disclosure and retention of your personal information by those websites, online services and independent businesses. If you have questions about how those websites, online services or independent businesses collect, use, disclose or retain personal information, please contact the owner or operator of the website, service or business.

12. Other Matters

(a) Disclaimers, Liability Exclusions/Limitations and Disputes:

The agreements (including any subscription agreement, membership agreement or terms of service or use) that you accept when you apply, register for, order or use Car Network Canada products or services contain important provisions, including provisions disclaiming, limiting or excluding the liability of Car Network Canada and other persons (including service providers) and provisions determining the applicable law and jurisdiction for the resolution of disputes. To the extent permitted by applicable law, each of those provisions applies to any dispute that may arise in relation to this Privacy Policy or Car Network Canada collection, use, disclosure and retention of your personal information, and are of the same force and effect as if they had been reproduced directly in this Privacy Policy. Nothing in this Privacy Policy amends any of those other agreements.

(b) Changes to this Policy:

Car Network Canada company may change this Privacy Policy from time to time by posting a new version of this Privacy Policy on the Car Network Canada company's website. A Car Network Canada company's collection, use, disclosure and retention of your personal information will be governed by the version of this Privacy Policy in effect at that time. Your continued dealings with a Car Network Canada company after any change to this Privacy Policy will signify your consent to the collection, use, disclosure and retention of your personal information as set out in the changed Privacy Policy. Accordingly, you should check the “Last Updated” date of this Privacy Policy (at the top of this Privacy Policy) and review any changes since the last version.

If you have any comments or questions about this Privacy Policy or how Car Network Canada deals with your personal information, please contact Car Network Canada at