Legal · Privacy
Your data,
protected by design.
EzFinance500 handles sensitive financial information every time you apply. This policy sets out exactly what we collect, why we collect it, and the control you keep over it — in plain language, not fine print.
Information We Collect
We collect the identity, contact, employment and banking information needed to assess your application, including income data read directly from your financial institution through our secure verification technology. We never ask for more than the application requires.
How We Use Your Information
Your information is used to verify your identity and income, calculate your loan offer, process payments and meet our regulatory record-keeping obligations. With your consent, we may also send account updates. We do not build advertising profiles from your financial data.
Income & Identity Verification
Our bank-grade verification technology reads your income directly from your financial institution in real time through a read-only, encrypted connection. Your online banking credentials are never stored on our servers.
Sharing With Partners
Select data may be shared with regulated parties who help deliver our service — including credit bureaus, payment processors, and, where a cosigner is required, our partner Cosigns.ca. Every partner is contractually bound to the same confidentiality standard we hold ourselves to. We do not sell your personal information, ever.
Credit Bureau Reporting
We may report your payment history — on-time and missed payments alike — to Canadian credit bureaus. Reporting happens only in connection with an active loan relationship, never as a marketing or profiling exercise.
Security & Encryption
Every piece of data you share is protected with bank-grade 256-bit encryption, in transit and at rest, on infrastructure with restricted, logged access. We audit our systems continuously to keep that protection current.
Cookies & Analytics
Essential cookies keep the platform secure and functional. A small set of anonymized analytics cookies help us understand how the site is used — these are optional and can be declined without affecting your ability to apply.
Your Rights & Data Retention
You may request access to, correction of, or deletion of your personal information, and withdraw consent to non-essential processing, at any time. We retain application and loan records only as long as Canadian lending regulations require, then securely delete them.
Changes to This Policy
We may update this policy as our services, technology or legal obligations evolve. Material changes are posted on this page with a new effective date — we encourage you to check back periodically.