Privacy Policy
Last updated: January 1, 2024. CCFD (ccfd.ca) is committed to protecting your personal information. This policy explains what we collect, how we use it, and your rights as a Canadian resident under PIPEDA.
1. Who We Are
CCFD (Canadian Cash & Financial Direct), operating at ccfd.ca, is a payday loan referral service — not a direct lender. We connect loan applicants with our network of provincially licensed Canadian lenders. This Privacy Policy applies to all information collected through our website and application process.
2. Information We Collect
When you apply through CCFD, we collect:
- Full name, date of birth, and home address
- Contact information — email address and phone number
- Employment or income details — source and amount
- Bank account information — institution, account number, transit number
- Device and browser information for security purposes
- IP address and approximate geographic location
3. How We Use Your Information
Your information is used to:
- Match your application with a suitable lender in our network
- Verify your identity and income for fraud prevention
- Comply with provincial lending regulations and AML requirements
- Communicate with you regarding your application status
- Improve our platform and application process
4. Who We Share Your Information With
Your personal and financial information is shared with one party only: the licensed lender who processes your loan application. We do not sell, rent, or market your information to any other third party — advertisers, data brokers, or otherwise. We may share limited information with our payment processor and identity verification service provider, both of whom operate under strict data processing agreements.
5. Data Security
We protect your information using 256-bit SSL/TLS encryption — the same standard used by major Canadian financial institutions. All data transmission between your browser and our servers is encrypted. Your information is stored on secure, access-controlled servers located in Canada.
6. Your Rights Under PIPEDA
As a Canadian resident, you have the right to:
- Know what personal information we hold about you
- Access a copy of your personal information
- Request correction of inaccurate information
- Withdraw consent for certain uses of your information
- Lodge a complaint with the Office of the Privacy Commissioner of Canada
To exercise any of these rights, contact us at privacy@ccfd.ca.
7. Data Retention
We retain your application information for as long as required by applicable provincial and federal regulations — typically 7 years for financial records. After this period, your data is securely deleted.
8. Cookies
Our website uses essential cookies required for the application process to function, and analytics cookies to understand how visitors use our site. You can disable non-essential cookies through your browser settings. We do not use cookies to serve advertising.
9. Contact & Complaints
Questions about this Privacy Policy? Contact our Privacy Officer at privacy@ccfd.ca. If you believe your privacy rights have been violated, you may also contact the Office of the Privacy Commissioner of Canada at 1-800-282-1376 or priv.gc.ca.