Confidentiality policy

The protection of privacy and the confidentiality of your data are priorities for Nova Cash Inc. (referred to as “Nova Cash”, “we”, or “our”). This privacy policy (the “Policy”) explains how we collect, use, share, and protect the personal information you provide to us when accessing our website, or when requesting service with Nova Cash. By visiting our site, communicating with us, or agreeing to receive emails from us, you agree to the terms of this Policy.

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Personal information collected and reasons for collection
We collect a variety of personal information depending on the types of interactions. Here is an overview of the information collected and our purposes of use:
- Categories:
  - Loan applicants : Identification data, employment, financial situation and credit history.
    This information, collected when you apply for a loan via our service provider FinX, allows us to: verify your identity and solvency, authorize payments, and validate your employment situation.
  - Reference person : Credentials.
    This data is collected to allow us to contact you if we are unable to reach you directly.
  - Users of the site : Technological data.
    We collect data on visits to our site for internal analysis and service improvement purposes.
The information collected allows us to assess your eligibility for the loan, to manage our services, and to contact you for any questions related to your file.
Sharing personal information with third parties
‍In some cases, we share your personal information with third parties to fulfill the purposes of the collection:
- Third-party partners:
  - Service providers : We share information with our partner FinX to assess your credit history and our marketing service provider for internal statistics. These service providers are contractually required to respect the confidentiality of your data.
  - Professional advisors : We may share certain data with our legal, financial, or accounting advisors to comply with applicable legal obligations.
  - Legal authorities : We may be required to share information if required by police or other government authorities.
Retention and protection of data
‍Your information is stored on secure servers from our trusted provider. We have implemented physical, technical, and administrative security measures to ensure the confidentiality and security of your information. However, no method is completely secure, and Nova Cash declines all responsibility in the event of a violation beyond its control. We only keep your information for as long as is necessary for the purposes described and to meet legal requirements. For more information on shelf life, contact us using the information in Section 6 of this Policy.
Use of cookies and similar technologies
Nova Cash uses cookies to optimize your experience on our site. You have the option of disabling these cookies in your browser settings, although this may limit some features of the site.
Your rights with respect to your personal information
You can access the information we hold about you and request any necessary corrections. Under certain legal conditions, you may also exercise additional rights, such as the right to be forgotten and to data portability. Nova Cash assumes no responsibility in case of impossibility of access or deletion of data beyond its control.
Financial risks associated with loans
‍By taking out a loan with Nova Cash, you acknowledge that you understand financial risks, including the risk of non-payment that may result in additional penalties and fees. Nova Cash disclaims any responsibility for financial losses, debts or damages arising from the use of the funds loaned.
Accuracy of the information provided
‍While we strive to provide accurate and up-to-date information, NovaCash cannot guarantee the accuracy, completeness, or reliability of the financial information provided and assumes no responsibility for errors or omissions.
Updates to this policy
‍We may update this Policy from time to time. We encourage you to check this page regularly to stay informed of any changes. Continued use of our site after an update indicates your acceptance of the new terms.
Contact us
‍If you have any questions about this Policy or our privacy practices, please contact us:
- Nova Cash Inc.
- By email: info@novacash.ca
- Postal address: CP 51012 Lévis, Québec, G6C 1R8, Canada