We know that you care how your information is used, and we appreciate your trust that we will use it carefully and sensibly. This notice describes our privacy policy. By visiting us, you are accepting the privacy policy described below.

1. What Personal Information Do We Collect?

  • Personal Information. You may submit information through this website that directly or indirectly relates to the collection of personal credit information. We may use the information that you provide, with your explicit approval, to view your credit records via a trusted source. Your personal information is not stored on our servers. Any personal data transmitted via our online form is submitted over a secure connection and is encrypted using industry-standard encryption technology.

  • Cookies. Like many websites, we may use "cookies". Cookies are small programs that we transfer to your hard drive that allow us to recognize you and to provide you with a customized visiting experience. If you do not want us to use cookies, you can easily disable them by going to the toolbar of your web browser, and clicking on the “help” button. Follow the instructions that will prevent the browser from accepting cookies, or set the browser to inform you when you receive a new cookie. In addition, you may visit this and other websites anonymously through the use of utilities provided by other private companies. We will not use cookies to store or collect any personally-identifying information.

  • Other Information: Every computer has an IP (Internet Protocol) address. IP addresses of computers used to visit this site are noted. In addition, we automatically collect other information such as email addresses, browser types, operating systems, and the URL addresses of sites clicked to and from this site.

2. How Do We Use Your Information?

  • Customized or Improved Viewing Experience. We may collect anonymous or non-personally identifying information through this website in order to enhance the overall viewing experience.

  • Determining Credit Worthiness. The process of collecting information through this website is to acquire information related to credit and credit worthiness for particular individuals.

3. How Do We Protect the Security of Your Information?

  • We work to protect the security of your information during transmission by using Secure Sockets Layer (SSL) software, which encrypts information you input.
  • We use encryption to protect your information contained in our customer list.
  • We use a firewall to protect against unlawful intrusion.
  • We limit access to your information on a “need to know” basis.
  • It is important for you to protect against unauthorized access to your password and to your computer. Be sure to sign off when finished using a shared computer.
  • No system can guarantee absolute security, just as the finest lock can not guarantee physical security. However, we take every reasonable precaution to assure that your data is secure.

4. Your Choice: Opt-in or Opt-out.

It is your choice whether to receive emails or special offers from us or others. The following section provides you with this choice. Please note the default settings. In the event that we need to send you an e-mail, it would be in an opt-in basis and you would be able to opt-out at any time. We do not redistribute e-mail addresses to third party marketing agencies!

5. Children

We do not provide services for minors. If you are under 18, you may use this site only with involvement of a parent or guardian.

6. Other Websites

Various Web sites may be linked to from this site. If you link to another site, your privacy depends on the policy of that site. We strongly urge you to check their privacy policy. Not all sites guarantee that they will not share your personally identifiable information with others. You may also wish to consult privacy guidelines such as those recommended by the Online Privacy Alliance (www.privacyalliance.org).

7. Contact Us

If you would like to learn more about our privacy policy, or to access your personally identifiable information contained on our website, you may contact us at info@a-factor.ca. You will be required to provide identifier information to assure that this information is not released to others. We reserve the right to modify this policy in the future. If we do so, notice will be posted on our home page.

Apply Online Now!