Privacy policy.

When you complete the Ready Auto application, we collect the information you enter through the wizard. That includes, depending on the steps you complete:

• Your first and last name.
• Email address and phone number.
• Home address and postal code.
• Date of birth.
• Employment status, employer, length of employment, and gross income.
• Homeowner or renter status.
• Your own assessment of your credit rating.
• Vehicle preferences and trade-in details, if you have one.

We also collect basic technical information when you use the site. This includes your IP address, browser type, pages visited, and session state needed to run the application. This is standard web operation data, kept for site security and functionality.

The information you provide has one purpose. We use it to match your profile with a Canadian finance manager whose lender partners are positioned to approve an auto loan for your situation. That is the service. Prime credit, specialty approvals, self-employed income, newcomer to Canada, rebuilding after a bankruptcy or proposal: the finance manager we route you to depends on what your profile needs.

We do not use your personal information for unrelated marketing. We do not build advertising profiles from it. We do not enrich it with third-party data to sell.

Ready Auto does not run a credit check on you. At no point in the application or matching process does Ready Auto pull your credit file. We assess your profile based on what you tell us.

Your matched finance manager may run a credit check if you decide to move forward with a specific offer. This happens only with your explicit consent, given to the finance manager directly, at the offer stage. You are free to decline at that point and walk away.

To do the matching, we share your application with the Canadian finance manager our system routes you to. That finance manager receives only what they need to evaluate your profile and contact you about an approval. We share with one finance manager at a time. If the first match is not the right fit, we may route your profile to another.

We use a small number of operational service providers to run the site and the application pipeline. These include a hosting provider, a database provider, and an email delivery provider. These providers process data on our behalf and under contract. They do not use your information for their own purposes.

We do not sell your data. We do not rent it, license it, or hand it to advertising networks. We do not share it with finance managers or lenders outside of the matching purpose described in this policy.

Consent to collect and use your information is given when you submit the Ready Auto application. The final screen of the wizard makes this clear before you click to submit. If you do not consent, do not submit the form.

You may withdraw your consent at any time by emailing hello@readyautoloans.com. We will stop using your information for the matching purpose described above and delete it from active systems, subject to the retention rules in the next section.

We retain your application information for up to seven years after the date of submission. Seven years is the standard retention period for financial records in Canada, and it covers the period in which a tax authority, regulator, or lender may legitimately need to verify the history of a loan match we facilitated.

Site operational data (IP logs, session data) is retained for shorter periods appropriate to its purpose. After the retention period, your information is deleted or anonymized.

Ready Auto uses industry-standard security practices. Data is transmitted over encrypted connections (TLS). Application data is stored in access-controlled databases. Access is limited to Ready Auto staff and service providers who need it to operate the matching service, under contract and confidentiality obligations.

No system is perfectly secure. We do not claim otherwise. If a breach affecting your information occurs, we will notify you and the relevant privacy commissioner in accordance with our legal obligations under PIPEDA and the provincial acts.

Ready Auto uses a small number of cookies and similar technologies, all for essential site functionality: keeping your wizard progress between steps, remembering your preferences on this device, and protecting against form-submission abuse. We do not currently run third-party analytics, advertising pixels, or cross-site tracking on readyautoloans.com.

You can clear cookies in your browser at any time. Clearing cookies will reset your wizard progress but will not otherwise affect your ability to use the site.

Under PIPEDA, BC PIPA, and AB PIPA, you have the right to:

• Know what personal information Ready Auto holds about you.
• Request access to that information.
• Ask us to correct information that is inaccurate or incomplete.
• Ask us to delete information that is no longer needed for the purpose we collected it.
• Withdraw your consent to our use of your information, subject to legal retention requirements.

To exercise any of these rights, email hello@readyautoloans.com. We respond to access and correction requests within thirty days.

Start with us. Email hello@readyautoloans.com and describe your concern. We will investigate and respond.

If you are not satisfied with our response, you have the right to file a complaint with the appropriate privacy commissioner.

Office of the Privacy Commissioner of Canada
30 Victoria Street, Gatineau, Quebec K1A 1H3
1-800-282-1376 · priv.gc.ca

Office of the Information and Privacy Commissioner for British Columbia
PO Box 9038, Stn. Prov. Govt., Victoria, BC V8W 9A4
1-800-663-7867 · oipc.bc.ca

Office of the Information and Privacy Commissioner of Alberta
Suite 410, 9925 109 Street NW, Edmonton, AB T5K 2J8
1-888-878-4044 · oipc.ab.ca

We may update this policy as Ready Auto grows, adds provinces, or changes how the matching service works. When we make a material change, we will update the effective date at the top of this page and, where appropriate, notify applicants by email.

Your continued use of readyautoloans.com after a change means you accept the updated policy.

Questions about this policy, your data, or anything else on this page, email us.

Ready Auto Loans
hello@readyautoloans.com