Privacy Policy
Rigorous protection of your personal information in compliance with Quebec Law 25 and Canadian laws.
1. Privacy Commitment & Canadian Legal Framework
Preserving privacy and rigorously securing your personal information are fundamental to our financial brokerage activities. This policy applies to all services offered by Providon Finance Inc and transparently describes how we collect, use, disclose, retain, and protect your information.
Our privacy practices are governed by Quebec Law 25 (Act to modernize legislative provisions as regards the protection of personal information in the private sector) and PIPEDA (Personal Information Protection and Electronic Documents Act at the Canadian federal level).
By requesting a loan or investment quote on our platform, you consent to the collection and use of your personal information under the terms of this policy.
2. Person Responsible for Personal Information Protection (RPRP)
In accordance with Quebec Law 25, the Person Responsible for Personal Information Protection (Privacy Officer) ensures compliance with privacy legislation within our brokerage firm:
Providon Finance Inc
Status: Financial & Investment Management Brokerage Firm in Canada
Headquarters address: 101-5660 AV. du Parc Montréal Québec H2V4H1 Canada
General Email: info@providonfinance.com
Person Responsible for Personal Information Protection (Privacy Officer): privacy@providonfinance.com
3. Legitimate Grounds for Information Collection
The collection of your personal information relies on legitimate grounds provided by Canadian and Quebec laws:
Brokerage Mandate
Necessary to evaluate your quote request, negotiate with partner lenders, and grant your financing.
Regulatory Compliance
Compliance with identity verification and anti-money laundering obligations (FINTRAC compliance in Canada).
Express Consent
Obtained upon submitting your online forms and selecting your communication or cookie preferences.
Legitimate Interest
Securing our IT systems, preventing fraud, and continuously improving our comparison tools.
4. Personal Information Collected
For analyzing and submitting your file to partner lenders, we collect the following personal information:
1 Identity and Contact Information
First name, last name, date of birth, residential address, phone number, email address, and residency status in Canada.
2 Financial Information & Creditworthiness
Gross/net income, employment status (employee, self-employed, retiree), length of employment, financial liabilities, current monthly payments, and consent to credit score verification (Equifax / TransUnion).
3 Technical Browsing Data
IP address, browser type, pages viewed, and accepted cookies.
5. Disclosure to Third Parties & Financial Partners
Your personal information is disclosed only to authorized recipients within the strict scope of our brokerage mandate:
- Financial Institutions & Partner Lenders: Canadian chartered banks, credit unions, and authorized credit institutions in Canada for evaluating and funding your loan.
- Credit Evaluation Agencies: Equifax and TransUnion during authorized background checks.
- Secured Service Providers: Certified data hosting providers in Canada and secure transmission tools.
Non-Sale Commitment:
GKS Finance does not sell, rent, or transfer any personal information to third parties for commercial solicitation or external marketing.
6. Purposes of Information Use
We use your information exclusively for the following purposes:
- Loan Shopping & Negotiation: Evaluate your borrowing capacity and compare offers from partner lenders.
- Customer Service & Follow-up: Communicate with you regarding your submission progress and answer your questions.
- Legal Compliance: Comply with legal and regulatory obligations governing brokerage in Canada.
7. Security Measures & Confidentiality
In accordance with Quebec Law 25 and PIPEDA requirements, we implement rigorous physical, organizational, and technological security measures:
- Data encryption in transit (HTTPS / SSL 256-bit) and at rest.
- Database hosting in secure data centers located in Canada.
- Restricted access only to authorized employees and brokers performing their duties.
8. Your Rights Regarding Personal Information
Under Quebec Law 25 and Canadian privacy laws, you benefit from the following rights:
9. Retention Periods
Your personal information is retained only as long as necessary to achieve the purposes for which it was collected, or per retention periods prescribed by Canadian banking and tax laws.
10. RPRP Contact & Right of Appeal
To exercise your rights or for any questions regarding personal information protection, please contact our Person Responsible for Personal Information Protection (Privacy Officer):
Person Responsible for Personal Information Protection (Privacy Officer):
Providon Finance Inc — 101-5660 AV. du Parc Montréal Québec H2V4H1 Canada
Privacy Email: privacy@providonfinance.com
If you believe your rights regarding your personal information have not been respected, you may submit a complaint to the Commission d'accès à l'information du Québec (CAI: www.cai.gouv.qc.ca) or the Office of the Privacy Commissioner of Canada (OPC: www.priv.gc.ca).