Privacy Policy

Last updated: February 15, 2026

This privacy policy explains how Ontario Credit Solutions ("we", "us", "our") handles your information when you visit our website. We wrote it in plain English because we believe you shouldn't need a law degree to understand how your data is treated.

The short version: We collect very little personal information. We don't sell your data. When you click through to a lender, their own privacy policy applies.

What We Collect

Information you give us directly:

  • Contact form submissions — If you use our contact form, we receive your name, email address, and message. We use this only to respond to your inquiry.

Information collected automatically:

  • Server logs — Like virtually every website, our servers record basic technical data when you visit: your IP address, browser type, pages viewed, and timestamps. This is standard web server operation, not targeted tracking.
  • Cookies — We use essential cookies to keep the site working (e.g., remembering your selected city). We do not use advertising cookies or sell cookie data.

Information we do NOT collect:

  • We do not collect financial information (income, credit score, debts)
  • We do not collect government-issued ID numbers (SIN, driver's licence)
  • We do not build user profiles or track you across other websites

What Happens When You Click Through to a Lender

Our site helps you compare loan options. When you click "Apply Now" or use an embedded application form, you are interacting directly with our affiliate partner (such as LoanConnect). At that point, the partner's privacy policy governs how your information is handled — not ours.

We encourage you to read the privacy policy of any lender or partner before submitting personal or financial information.

How We Use Your Information

We use the limited information we collect to:

  • Operate and maintain the website
  • Respond to contact form inquiries
  • Detect and prevent technical issues or abuse
  • Understand general traffic patterns (e.g., which pages are most visited)

We do not use your information to:

  • Send unsolicited marketing emails
  • Sell or rent your data to third parties
  • Build advertising profiles

Sharing Your Information

We do not sell, rent, or trade your personal information. We may share information only in these limited situations:

  • Service providers — Hosting and infrastructure companies that help us run the website, bound by confidentiality obligations
  • Legal requirements — If required by law, court order, or to protect the safety of our users or the public
  • Affiliate partners — When you voluntarily click through to a partner's form, your interaction with them is governed by their privacy policy

Data Retention

  • Contact form messages are retained for up to 12 months, then deleted
  • Server logs are retained for up to 90 days for security and troubleshooting purposes
  • Cookies expire at the end of your browsing session or within 30 days

Your Rights

Under Canadian privacy law (PIPEDA), you have the right to:

  • Access — Request a copy of any personal information we hold about you
  • Correction — Ask us to correct inaccurate information
  • Withdrawal of consent — Withdraw your consent for us to use your information at any time
  • Complaint — File a complaint with the Office of the Privacy Commissioner of Canada if you believe your privacy rights have been violated

To exercise any of these rights, contact us at [email protected].

Canada's Anti-Spam Legislation (CASL)

We comply with CASL. We do not send commercial electronic messages (marketing emails) unless you have explicitly opted in. If you ever receive a message from us, it will include our contact information and a clear way to unsubscribe.

Children's Privacy

Our website is not directed at anyone under 18. We do not knowingly collect information from minors.

Security

We use HTTPS encryption on all pages, keep our software updated, and limit access to any stored data. While no website can guarantee absolute security, we take reasonable steps appropriate to the sensitivity of the information involved.

Changes to This Policy

If we make significant changes to this policy, we will update the "Last updated" date at the top of this page. We encourage you to review this page periodically.

Contact Us

If you have questions about this privacy policy or how we handle your information:

Email: [email protected] Website: ontariocreditsolutions.ca

You may also contact the Office of the Privacy Commissioner of Canada at priv.gc.ca or the Information and Privacy Commissioner of Ontario at ipc.on.ca.