Privacy Policy

Last updated: January 1, 2026

1. Who we are

Spot Canada Loan ("Spot", "we", "us") is a loan-matching service operated from 120 Adelaide St W, Suite 2500, Toronto, ON M5H 1T1. We are not a lender and we do not make credit decisions.

2. Information we collect

• Identity & contact: name, date of birth, email, phone number, address.
• Financial: employment status, income range, bank account information used for loan disbursement, requested loan amount and term.
• Credit: a soft-pull credit summary obtained from Equifax or TransUnion when you request a rate.
• Technical: IP address, browser, device, pages visited, and similar diagnostic information.

3. How we use it

• To match you with eligible lender partners in our network.
• To verify your identity and prevent fraud.
• To improve our website and customer support.
• To send transactional emails about your application (you can opt out of marketing at any time).

4. Who we share it with

We share your information only with the licensed Canadian lender partners you authorise when submitting an application. We do not sell your data, and we do not share it with marketers, brokers or social-media networks for advertising.

5. Cookies

We use essential cookies to operate the site, and analytics cookies (Google Analytics 4 with IP-anonymisation) to understand site performance. You can disable non-essential cookies in your browser at any time.

6. How we protect your data

All data is transmitted over 256-bit TLS, stored encrypted at rest using AES-256, and accessible only to authorised employees on a need-to-know basis. We retain personal data only as long as necessary to provide our services or to comply with legal, accounting, or reporting requirements.

7. Your rights under PIPEDA

• Request access to the personal information we hold about you.
• Request correction of inaccurate information.
• Withdraw consent and request deletion (subject to legal retention requirements).
• File a complaint with the Office of the Privacy Commissioner of Canada.

8. Contact our Privacy Officer

Email privacy@spotcanadaloan.com or write to: Privacy Officer, Spot Canada Loan, 120 Adelaide St W, Suite 2500, Toronto, ON M5H 1T1.

9. Terms of Use (summary)

By using this website you agree that the information you provide is accurate, that you are 18 years of age or older (19 in some provinces), that you authorise Spot to share your application with its lender partners, and that final loan offers are made by the lender — not by Spot.