Last Updated: September 23, 2026

At CREDIT EXPRESS CANADA, a subsidiary of GTA Financial & Investment Corp., we are committed to protecting the privacy, confidentiality, and security of the personal information entrusted to us.

This Privacy Policy explains how we collect, use, disclose, protect, and retain personal information when you visit our website, contact us, submit an inquiry, apply for financing, or use our services.

By using our website or providing us with personal information, you acknowledge that you have read and understood this Privacy Policy.

1. About CREDIT EXPRESS CANADA

CREDIT EXPRESS CANADA is a financing provider based in Thornhill, Ontario, serving individuals and businesses across Canada.

CREDIT EXPRESS CANADA is a subsidiary of:

GTA Financial & Investment Corp.

FINTRAC MSB Registration Number: M08235689
Ontario Incorporation Number: 1744616

For privacy-related questions or requests, you may contact us at:

Phone: +1 672-703-1007
Email: contact@creditexpress-ca.com

Business Hours: Monday to Friday, 8:00 a.m. to 6:00 p.m.

2. Our Commitment to Privacy

We recognize that personal and financial information is highly sensitive. We are committed to handling personal information responsibly and using appropriate safeguards to protect it.

Where applicable, our privacy practices are designed to comply with applicable Canadian privacy legislation, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation.

PIPEDA establishes rules governing the collection, use, disclosure, and safeguarding of personal information in commercial activities.

Where applicable, provincial privacy legislation may apply instead of or in addition to federal privacy legislation.

3. Personal Information We May Collect

Depending on the nature of your relationship with us, we may collect information such as:

Personal identification information

Full name
Date of birth
Residential or mailing address
Telephone number
Email address
Government-issued identification information
Identification documents where required

Financial information

Employment information
Income information
Banking information
Financial statements
Credit-related information
Information concerning existing financial obligations
Information required to assess a financing request

Business information

For business applicants, we may collect:

Business name
Business address
Business registration information
Nature of the business
Business contact information
Revenue and financial information
Ownership and beneficial ownership information
Information concerning directors, officers, or authorized representatives
Supporting corporate or financial documents

Website and technical information

When you visit our website, certain technical information may also be collected automatically, such as:

IP address
Browser type
Device type
Operating system
Pages visited
Date and time of visits
Referring website
Website interaction data

The information collected depends on the features and technologies used on our website.

4. How We Collect Personal Information

We may collect personal information:

Directly from you when you contact us;
Through forms submitted on our website;
During a financing application;
By telephone, email, or other communication channels;
From documents you provide;
From your business or authorized representatives;
From credit reporting agencies or other authorized sources, where permitted;
From publicly available sources where appropriate;
From service providers or third parties where legally permitted or required.

We seek to collect only information that is reasonably necessary for identified purposes. This reflects the privacy principle that collection should be limited to information necessary for the purposes identified by the organization.

5. Why We Collect Personal Information

We may collect and use personal information for purposes including:

Responding to inquiries;
Assessing financing requests;
Processing applications;
Verifying identity;
Assessing eligibility for financing;
Understanding your financial or business needs;
Communicating with you regarding your application or account;
Administering financing relationships;
Processing transactions;
Preventing fraud and unauthorized activity;
Managing risks;
Maintaining business records;
Meeting legal and regulatory obligations;
Complying with applicable anti-money laundering and anti-terrorist financing requirements;
Responding to lawful requests from regulatory or governmental authorities;
Improving our services and website;
Providing customer support;
Sending communications where permitted by law.

6. Financial and Regulatory Compliance

As a business operating within a regulated financial environment, CREDIT EXPRESS CANADA may be required to collect, verify, use, retain, and disclose certain information to meet legal and regulatory obligations.

Where applicable, this may include obligations associated with FINTRAC and Canada’s anti-money laundering and anti-terrorist financing framework.

FINTRAC requires money services businesses subject to its regime to maintain compliance programs and, depending on the services and transactions involved, conduct client identification, maintain records, monitor certain relationships, and submit reports required by law.

For certain transactions and circumstances, organizations may be required to verify the identity of individuals or entities and maintain prescribed records.

Accordingly, certain information may be collected or retained even where you would otherwise prefer not to provide it, when the collection or retention is required by applicable law.

7. How We Use Personal Information

We use personal information only for identified purposes and as permitted or required by applicable law.

We may use your information to:

Evaluate and process financing requests;
Verify information provided to us;
Communicate with you;
Provide requested services;
Manage our relationship with you;
Conduct compliance and risk assessments;
Detect and prevent fraud;
Meet regulatory obligations;
Maintain appropriate records;
Resolve disputes;
Enforce agreements;
Improve our products, services, and customer experience.

Personal information should generally only be used or disclosed for the purposes for which it was collected, unless consent is obtained or the law permits or requires another use or disclosure.

8. Disclosure of Personal Information

We do not sell your personal information.

We may disclose personal information when reasonably necessary to provide our services, operate our business, or comply with legal and regulatory requirements.

Depending on the circumstances, information may be disclosed to:

Our parent, subsidiary, or affiliated companies;
GTA Financial & Investment Corp.;
Financing partners or service providers involved in processing your request;
Credit reporting agencies;
Financial institutions;
Identity verification providers;
Fraud prevention and risk management providers;
Technology and hosting providers;
Professional advisers, including legal or accounting professionals;
Regulators and governmental authorities;
Law enforcement agencies where legally required or permitted;
Other parties with your consent or as authorized or required by law.

Third parties receiving personal information may be subject to contractual, legal, regulatory, or professional confidentiality obligations, as applicable.

9. Consent

Where required by applicable law, we will obtain your consent before collecting, using, or disclosing personal information.

Depending on the circumstances, consent may be express or implied where permitted by law.

You may withdraw consent in certain circumstances. However, withdrawing consent may affect our ability to provide certain services, process an application, or maintain an existing business relationship.

We may continue to collect, use, or retain information where permitted or required by law, even after consent has been withdrawn.

10. Credit Information

If you apply for financing, we may need to obtain or verify information concerning your credit history or financial situation.

Where applicable, this may involve credit reporting agencies or other authorized sources.

Information obtained may be used to assess financing eligibility, manage risk, verify information, prevent fraud, and administer the financing relationship.

Any credit-related authorization or disclosure provided to you as part of an application should be reviewed carefully before being accepted.

11. Protection of Personal Information

We use reasonable administrative, technical, and physical safeguards designed to protect personal information against:

Unauthorized access;
Unauthorized disclosure;
Loss;
Theft;
Misuse;
Alteration;
Destruction.

The safeguards we use may include access controls, secure systems, authentication measures, confidentiality obligations, monitoring procedures, and other security practices appropriate to the sensitivity of the information.

Canadian privacy principles require organizations to implement safeguards appropriate to the sensitivity of the personal information they hold.

However, no method of transmission or electronic storage can be guaranteed to be completely secure.

12. Website Security

We take reasonable measures to protect information transmitted through our website.

However, users should understand that transmission of information over the Internet always involves some degree of risk.

We recommend that you avoid sending highly sensitive information through unsecured communication channels unless specifically requested through an appropriate secure process.

13. Cookies and Similar Technologies

Our website may use cookies and similar technologies to:

Operate and maintain the website;
Improve website functionality;
Understand website traffic;
Remember user preferences;
Analyze website performance;
Improve the user experience;
Support marketing or analytics activities where permitted.

You may be able to control cookies through your browser settings.

Disabling certain cookies may affect some website functionality.

14. Third-Party Websites and Services

Our website may contain links to third-party websites or services.

CREDIT EXPRESS CANADA is not responsible for the privacy practices, security, or content of third-party websites.

We encourage you to review the privacy policies of any third-party website before providing personal information.

15. Service Providers

We may use third-party service providers to help us operate our business and provide services.

These providers may assist with areas such as:

Website hosting;
Information technology;
Data storage;
Communications;
Identity verification;
Credit assessment;
Fraud prevention;
Customer support;
Payment processing;
Analytics.

Where appropriate, we take reasonable steps to ensure that service providers handle personal information in accordance with applicable privacy and security requirements.

16. International Processing and Storage

Some service providers or technology infrastructure used by CREDIT EXPRESS CANADA may be located outside your province or outside Canada.

As a result, personal information may be processed or stored in another Canadian province or another jurisdiction, subject to applicable legal requirements.

Information processed outside Canada may be subject to the laws of the jurisdiction in which it is processed.

17. Retention of Personal Information

We retain personal information only for as long as reasonably necessary to fulfill the purposes for which it was collected, provide services, resolve disputes, enforce agreements, maintain appropriate business records, and comply with legal and regulatory obligations.

Certain financial and regulatory records may be required to be retained for specific periods.

For example, FINTRAC requirements can require certain records to be maintained for at least five years, depending on the type of record.

When personal information is no longer required, we take reasonable measures to securely destroy, delete, or anonymize it, subject to applicable legal requirements.

18. Accuracy of Personal Information

We aim to maintain personal information that is accurate, complete, and up to date for the purposes for which it is used.

You are encouraged to notify us if your personal information changes or if you believe that information we hold about you is inaccurate.

Canadian privacy principles recognize an individual’s right to challenge the accuracy and completeness of personal information and request appropriate corrections.

19. Your Privacy Rights

Depending on the applicable privacy legislation, you may have rights concerning your personal information, including the right to:

Request access to personal information we hold about you;
Ask how your information is being used or disclosed;
Request correction of inaccurate or incomplete information;
Ask questions about our privacy practices;
Withdraw consent where applicable;
Make a privacy complaint.

Some rights may be subject to legal exceptions or limitations.

20. Access Requests

To request access to your personal information, please contact us using the contact details below.

Your request should provide sufficient information to allow us to identify you and locate the relevant records.

We may need to verify your identity before providing access to personal information.

Where permitted or required by law, certain information may be withheld from an access request.

21. Privacy Complaints

If you have concerns about how we have handled your personal information, we encourage you to contact us first so that we can review and address your concern.

Please provide sufficient information regarding your concern so that we can investigate it appropriately.

If you are not satisfied with our response, you may have the right to contact the applicable privacy oversight authority.

22. Children’s Privacy

Our services are intended for adults and businesses.

We do not knowingly collect personal information from children where such collection is prohibited by applicable law.

If you believe that a child has provided us with personal information improperly, please contact us so that we can review the situation and take appropriate action.

23. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our business practices, services, technologies, or applicable legal and regulatory requirements.

When we make changes, we may update the “Last Updated” date at the beginning of this Privacy Policy.

We encourage visitors to review this page periodically to remain informed about how we handle personal information.

24. Contact Us

If you have questions about this Privacy Policy, wish to make a privacy request, or have a concern about the handling of your personal information, please contact us:

CREDIT EXPRESS CANADA
A subsidiary of GTA Financial & Investment Corp.