Last Updated: August 10, 2025
CreditNest (“we,” “us,” or “our”) is committed to protecting your privacy and safeguarding your personal information. This Privacy Policy explains how we collect, use, disclose, and protect your information when you use our mobile application, website, and related services (collectively, the “Services”).
By using our Services, you consent to the collection, use, and disclosure of your personal information in accordance with this Privacy Policy.
1. Scope
This Privacy Policy applies to all personal information collected from users in Canada, including residents of Quebec, in compliance with:
- The Act Respecting the Protection of Personal Information in the Private Sector (Quebec – Loi 25)
- The Personal Information Protection and Electronic Documents Act (PIPEDA)
- Applicable federal and provincial laws
Disclaimer : CreditNest is not a lender or credit provider. We are a comparison platform that connects users with licensed third-party lenders and financial institutions.
2. Information We Collect
We may collect the following types of information when you use CreditNest:
a. Information You Provide Directly
- Name, address, phone number, email address
- Date of birth
- Financial and credit-related information you provide for comparison or application purposes
- Payment information for subscriptions
- Documents or identification you choose to upload
b. Information Collected Automatically
- Device type, operating system, browser type
- IP address and geolocation data
- App usage statistics and browsing activity
- Cookies, tracking pixels, and similar technologies
c. Information from Third Parties
- Credit-related data provided by authorized third-party providers
- Product eligibility results from lenders or service providers
- Transaction or account details from integrated services
3. How We Use Your Information
We use your information for purposes including:
- Providing and personalizing our Services
- Comparing financial products and services based on your profile
- Processing subscription payments
- Facilitating applications with third-party providers
- Sending account updates, offers, and educational materials (with your consent)
- Meeting legal, regulatory, and compliance requirements
4. Sharing and Disclosure of Information
We may share your information in the following situations:
- With Third-Party Service Providers: To deliver services such as credit checks, payment processing, product offers, and customer support.
- With Lenders and Financial Institutions: If you choose to apply for a financial product through CreditNest, we securely transmit only the information necessary to the selected lender or financial institution. CreditNest does not make credit decisions, and all approvals, terms, and interest rates are determined solely by the lender.
- With Your Consent: When you authorize us to share data for a specific service or application.
- For Legal Reasons: If required to comply with applicable laws, regulations, court orders, or law enforcement requests.
- In Business Transactions: In the event of a merger, acquisition, sale of assets, or corporate reorganization.
We do not sell your personal information to third parties.
5. Data Retention
We retain your personal information only as long as necessary to fulfill the purposes for which it was collected, or as required by law. When no longer needed, your information is securely deleted or anonymized.
6. Your Rights Under Quebec and Canadian Law
You have the right to:
- Access the personal information we hold about you
- Request corrections to inaccurate or incomplete information
- Withdraw consent to certain uses or disclosures of your information
- Request deletion of your personal information, subject to legal retention requirements
- Obtain information about how your data is used and shared
- Request that your personal information be provided to you in a portable format, where applicable
To exercise these rights, contact us at [email protected]. We will respond within the timeframes required by law.
7. Consent
By using CreditNest, you consent to the collection, use, and disclosure of your personal information as described in this Privacy Policy. You may withdraw your consent at any time, subject to legal or contractual restrictions.
8. Data Security
We use industry-standard physical, technical, and administrative safeguards to protect your information from unauthorized access, use, alteration, or disclosure. However, no method of transmission over the Internet or electronic storage is completely secure, and we cannot guarantee absolute security.
9. Cookies and Tracking Technologies
We use cookies and similar technologies to improve user experience, remember preferences, and measure the effectiveness of our content and marketing. You may disable cookies in your browser settings, but some features of the Services may not function properly.
10. Third-Party Links and Services
Our Services may contain links to third-party websites or offer integrations with third-party services. We are not responsible for the privacy practices, content, or security of those third parties. You should review their privacy policies before using their services.
11. Children’s Privacy
CreditNest is not intended for individuals under the age of majority in their province or territory. We do not knowingly collect personal information from minors.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. When we do, we will post the revised version with an updated “Last Updated” date. Your continued use of the Services after any changes indicates your acceptance of the updated policy.
13. Contact Us
If you have any questions or concerns about this Privacy Policy or our data practices, please contact:
CreditNest – Privacy Officer
Email: [email protected]
