Privacy Policy
Respecting your privacy and the confidentiality of your data is an important concern for Services Financiers Athena inc. (hereinafter "Athena", "we" or "our").
This Privacy Policy (hereinafter the "Policy") describes how we collect, use, share and store the personal information you provide to us when using our website www.preturgent.com (hereinafter the "Site"), when applying for a credit facility and/or any other request you submit to us.
By accessing or visiting the Site, by communicating with us by any means, or by agreeing to receive emails from us, you accept the terms of this Policy.
1. What personal information do we collect, why and how?
We collect your personal information in several ways and for different purposes, depending on their different categories. Please refer to the table below for more details.
Categories | Examples of information | Methods and purposes of collection and use |
|---|---|---|
Loan facility applicant | Identification data; employment data; financial and banking data; credit history | We collect this information when you apply for a loan facility, through our service provider Fin Expert Inc. ("FinX") to:
Collecting this information allows us to fulfill our function, which is to issue you a micro loan. Collecting this information also allows us to provide you with services and communicate with you. |
Reference contact person¹ | Identification data | We collect this information when you apply for a loan facility to:
|
Site user | Technological data | We collect this information when you visit our Site to perform internal analyses. |
1 We assume that you have obtained the consent of this person and that you will provide their identification data accurately.
In general, we use this information for the following purposes:
- To issue you a micro loan and analyze it;
- To assess your financial situation;
- To ensure the daily operations of our business;
- To contact you for business purposes.
Please note that we may also collect and use your personal information for any other purpose authorized or required by applicable laws.
We take measures to ensure that only employees who need access to your personal information to perform their duties have access to it.
2. Under what circumstances do we share your personal information with other organizations?
We share your personal information with third parties when necessary to accomplish the purposes indicated above, and more specifically, as indicated in the table below:
| Categories of third parties | Reasons |
|---|---|
| Service providers or partners | We share your information with our service provider FinX (see FinX's privacy policy) to assess your credit history and creditworthiness. We may also share your personal information with marketing agencies we do business with for statistical purposes. These providers are contractually required to protect your personal information and to use it only for the specific purposes for which it was shared. |
| Professional advisors | We may share your personal information with our legal, financial, accounting or other consultants to the extent necessary to comply with our obligations under applicable laws. |
| Police and government agencies | We may receive requests from the police or other government authorities to access your personal information. We verify that the request is legitimate before responding to any such request. |
3. How do we store and secure your personal information?
Your personal information is hosted on the servers of our trusted provider.
Please note that we have implemented physical, administrative and technical safeguards designed to preserve the confidentiality, integrity and security of personal information under our control. However, no security measure is absolute or fully guaranteed.
We will retain your personal information only for the duration necessary to allow us to accomplish the relevant purposes specified in this Policy and to comply with our legal obligations. If you would like more information regarding the retention period of your personal information, please contact us using the contact details provided in Section 6 of this Policy.
This Policy does not apply to third-party websites. We therefore cannot be held responsible for their policies, procedures or practices regarding the protection of personal information.
4. What are your rights regarding your personal information?
Upon written request and confirmation of your identity, you will be authorized to access the personal information we hold about you and may request that necessary corrections be made, if needed, in accordance with applicable laws. To ensure that the personal information we hold about you is accurate and up to date, please notify us immediately of any changes to your personal information. Subject to applicable data protection laws, you may have additional rights, including the right to be forgotten and the right to data portability in a structured and commonly used format, under certain conditions.
If you have any questions or comments about the Policy or our personal information protection practices, including how we use your personal information, or to learn how to exercise your rights regarding the processing of your personal information, including filing a complaint, you may contact or submit your complaint to our Privacy Officer using the contact details provided in Section 6 of this Policy. You also have the right to file a complaint directly with a data protection authority regarding the collection, use or processing of your personal information.
5. Updates
Please check our Site regularly to stay informed of any changes made to this Policy, as we may update it from time to time. If we modify the Policy, we will post a notice on the Site indicating the changes made and their effective date. Continuing to use the Site after the revised Policy takes effect indicates that you have read, understood and accepted the current version of the Policy.
6. Contact us
If you have any questions, concerns or comments regarding the processing of your personal information or this Policy, please do not hesitate to contact our Privacy Officer by email at info@servicesfinanciersathena.com, or by mail:
Services Financiers Athena inc.
3700-1, Place Ville-Marie
Montreal (Quebec)
Canada H3B 3P4
Attention: Privacy Officer
Last updated: