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Privacy Policy

Last updated: October 2, 2026

1. Who we are and what this policy covers

This policy explains what personal information Alternative Loans collects when you visit alternativeloans.ca or apply for a loan, why we collect it, and the choices you have.

Alternative Loans is operated by 10403008 Canada Inc. (“Alternative Loans”, “we”, “us”), 919 Centre Street NW, Calgary, AB T2E 2P6. You can reach us at info@alternativeloans.ca. We are responsible for the personal information we hold and for complying with the Personal Information Protection and Electronic Documents Act (PIPEDA) and, where they apply, the Personal Information Protection Act of Alberta (PIPA) and of British Columbia.

2. Personal information we collect

We collect only what we need to assess and administer your loan application. Depending on how you use our site, this can include:

  • Contact details: name, email address, home and cell phone numbers, mailing address, city, province and postal code.
  • Identity details: date of birth, gender and Social Insurance Number, used to confirm who you are and to prevent fraud.
  • Income and employment details: net monthly salary, source of income, employer name and phone number, job description, supervisor name, hiring date and pay frequency.
  • Loan details: the amount you request and whether you plan to declare bankruptcy.
  • References: the names and phone numbers of two people you give as references. By providing them, you confirm that you are allowed to share their details.
  • Banking information: account and transaction information shared through the bank verification service when you choose to connect your account.
  • Technical information: IP address, browser type and pages visited, collected through standard website logs and cookies.
  • Communications: messages you send us through the contact form or by email.

If you start an application and do not finish it, we keep the first-step information you submitted (such as your name, email, phone number and requested amount) so we can follow up on your request.

3. Why we collect it and your consent

We use your personal information only for the purposes below, and we ask for your consent before collecting it. By checking the agreement box on the application, you consent to these uses.

  • To assess your application, confirm your identity and verify your income and banking information.
  • To approve, issue and administer a loan, including collecting payments and contacting you about your account.
  • To prevent fraud and protect our business and our customers.
  • To answer your questions and provide support.
  • To meet our legal and regulatory obligations.

We do not sell your personal information.

4. Who we share it with

We share personal information only with the parties that help us operate, and only as needed for the purposes in section 3.

  • Application processing: your application is delivered by email to an affiliated business that helps us review and process applications.
  • Bank verification: a secure third-party service connects to your bank, with your permission, to confirm income and account activity.
  • Technology providers: our website host, form software and email delivery services process information on our behalf and may store it on their systems.
  • Legal and regulatory: we may disclose information when required by law, a court order or a regulator, or to protect against fraud.
  • Business changes: if our business is sold or reorganized, your information may be transferred to the new owner under the same protections.

These providers may only use your information to provide their service to us.

5. Retention, security and where data is stored

We keep personal information only as long as needed for the purposes in section 3 and to meet legal and record-keeping requirements. When information is no longer needed, we delete or anonymize it.

We protect your information with safeguards suited to its sensitivity, including encrypted connections (HTTPS), access limited to people who need it, and secure third-party services. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.

Our service providers may store or process information outside your province or outside Canada, where it may be subject to the laws of that location.

6. Your rights and how to contact us

You can ask to see the personal information we hold about you, ask us to correct it, or withdraw your consent, subject to legal and contractual limits. Withdrawing consent may mean we can no longer process your application or administer your loan.

To make a request or ask a question, write to info@alternativeloans.ca or to Alternative Loans, 919 Centre Street NW, Calgary, AB T2E 2P6. We will answer within 30 days.

If you are not satisfied with our response, you can contact the Office of the Privacy Commissioner of Canada (priv.gc.ca), the Office of the Information and Privacy Commissioner of Alberta, or the Office of the Information and Privacy Commissioner for British Columbia, depending on where you live.

We may update this policy from time to time. The date at the top of this page shows when it was last changed.