CarOwners Hub Privacy

Service Scope

CarOwners Hub is intended for use and as such, provides services exclusively to residents of Canada. By using the Service, you acknowledge that your personal information will be collected, stored, and processed in accordance with Canadian federal and provincial privacy laws.

1. Information We Collect

When you use CarOwners Hub, we collect information that helps us provide a personalized and accurate service. This includes:

Personal Details: Name, email address, phone number, and mailing address.
Vehicle Information: Make, model, year, trim, mileage, and Vehicle Identification Number (VIN).
Loan Details: Lender information, balance, interest rate, and monthly payment details.
Documents: Uploaded images of bills of sale, insurance, or registration for verification.
Device Data: IP address, device type, and FCM tokens for push notifications.

2. How We Use Your Information

We use your data to:

Calculate your estimated vehicle equity and market value.
Identify and notify you of opportunities to lower your loan payments or refinance.
Facilitate trade-in or cash-back requests through our partner dealerships.
Send important account notifications and service updates.
Improve our application's performance and design.

3. Data Sharing and Partners

CarOwners Hub does not sell your personal data to third-party advertisers. We share your information with our authorized partner dealerships and financial institutions only when you explicitly request a trade-in, refinancing offer, or cash-back quote. These partners are bound by confidentiality agreements to protect your data.

4. Security

We implement industry-standard security measures, including bank-level encryption (SSL/TLS), to protect your personal and financial information. Data is stored securely on our encrypted servers.

5. Your Choices and Rights

You have the right to access, correct, or delete your personal information at any time through the app settings. You can also opt-out of push notifications or marketing communications.

6. Cookies and Tracking

We use cookies and similar technologies to enhance your browsing experience and analyze site traffic. You can control cookie preferences through your browser settings.

7. Contact Us

If you have any questions or concerns regarding our Privacy Policy, please contact us at ray@torontoautoloans.com.