Privacy Policy

This Privacy Policy describes how Spark Credit ("Spark Credit", "we", "us") collects, uses and discloses personal information when you use sparkcredit.ca (the "Website") and the services offered on it. By submitting information through the Website you consent to the practices described here.

Information we collect

• Identity and contact details: name, email address, phone number, date of birth, postal address.
• Financial details you provide in your application: requested amount, purpose, income, employment, housing and credit information.
• Technical data: IP address, device and browser information, cookies and similar identifiers, referring URLs and advertising click identifiers.

How we use your information

• To refer your application to qualified lenders and financial service providers so they can assess and respond to it.
• To pre-populate the provider's application form with the details you gave us, so you don't have to enter them twice.
• To operate, secure and improve the Website and measure the performance of our advertising, including through analytics and advertising partners such as Google and Meta (Facebook).
• To comply with legal obligations and enforce our Terms of Use.

Credit reports

Where you give your consent on the application, the financial services provider you are matched with may obtain credit reports from credit reporting agencies to assess your credit history. Your consent remains valid until you notify the matched provider of its withdrawal.

Sharing your information

We share your information with the lenders and service providers you are referred to, with service providers who help us operate the Website (hosting, analytics, advertising measurement), with our affiliated brands (CompareHub by Loans Canada) and where required by law. Contact and identifier data sent to advertising partners for measurement is hashed before transmission.

Cookies

We use cookies and similar technologies for essential functionality, analytics and advertising measurement. You can control cookies through your browser settings; disabling them may affect the Website.

Retention and security

We keep personal information only as long as needed for the purposes above or as required by law, and protect it with reasonable technical and organizational safeguards.

Your rights

You may request access to, correction of, or deletion of your personal information, or withdraw consent, by contacting us at the address below. You may also lodge a complaint with the Office of the Privacy Commissioner of Canada.

Contact

Spark Credit
18 King Street East, Suite 1400, Toronto, ON, M5C 1C4