Privacy Policy

1. Scope of this policy

This Privacy Policy applies to CreditPath Canada and the website pages on which it is posted. It covers information handled through our comparison content, contact channels, cookies, analytics and affiliate links.

CreditPath Canada is an independent marketing and comparison website. We are not a bank, lender, credit bureau, credit-repair organization or financial adviser. When you leave our website for a partner website, that partner’s privacy policy governs its collection and use of your information.

2. Information we may collect

Depending on the features enabled on the website, we may collect the following:

Sensitive information

We do not intend to collect online-banking passwords, card PINs, government identification numbers, complete payment-card details or credit bureau credentials through this website. Do not submit such information through general contact forms or email.

3. How we may use information

• Operate, maintain and secure the website.
• Respond to questions, complaints or privacy requests.
• Measure website traffic and understand how content is used.
• Track affiliate referrals and prevent invalid or fraudulent activity.
• Improve page design, content relevance and website performance.
• Meet legal, regulatory, accounting and security obligations.
• Send marketing communications only where permitted and where the required consent has been obtained.

4. Cookies, analytics and advertising technologies

Cookies are small files or similar identifiers placed on a browser or device. We may use:

• Essential cookies required for navigation, security and privacy settings.
• Analytics cookies used to understand visits, traffic sources and page performance.
• Affiliate cookies used by us or partner networks to attribute referrals and commissions.
• Advertising cookies used only when enabled and where appropriate consent has been obtained.

You can manage cookies through your browser and, where provided, our consent banner. Blocking some cookies may affect website functionality. Update this section to identify every analytics, advertising and affiliate platform actually used on the live website.

5. Affiliate links and third-party websites

Some links are sponsored or affiliate links. When you click one, the destination provider or affiliate network may receive information such as your IP address, device information, referral URL, campaign identifier and the time of the click.

We may earn compensation if you click, apply, register or purchase through a partner link. Compensation may influence placement, but it does not guarantee approval, eligibility, pricing or product suitability.

We do not control third-party websites. Review the provider’s privacy policy, terms, pricing, consent language and cancellation rules before submitting information.

6. When information may be shared

We may disclose limited information to:

• Hosting, security, analytics, email and technical service providers.
• Affiliate networks and partners for referral attribution and fraud prevention.
• Professional advisers, auditors, insurers or business transaction advisers.
• Government bodies, regulators, courts or law-enforcement authorities where legally required.
• A successor organization in connection with a merger, sale, restructuring or transfer of assets, subject to appropriate safeguards.

We do not sell personal information in the ordinary meaning of selling a customer list for money. Certain advertising or affiliate disclosures may nevertheless be treated differently under some laws, so the live website’s actual technology should be reviewed.

7. Retention and security

We retain personal information only for as long as reasonably necessary for the purposes described in this policy, including security, dispute resolution, legal compliance and financial recordkeeping. Retention periods vary by information type and legal requirement.

We use reasonable administrative, technical and organizational safeguards. However, no internet transmission or storage system can be guaranteed completely secure. Users should avoid sending highly sensitive information by ordinary email.

8. Your privacy rights and choices

Subject to applicable law, you may request access to personal information held about you, ask for corrections, withdraw consent where consent is the basis for processing, or raise a concern about our privacy practices.

You may also unsubscribe from marketing emails using the link in the message and manage cookies through your browser or consent settings. Withdrawing consent does not affect uses already permitted by law and may limit our ability to provide certain features.

9. Children’s privacy

This website is intended for adults and is not directed to children under the age of majority in their province or territory. We do not knowingly request financial or credit information from children.

10. Processing outside your province or Canada

Service providers, affiliate networks and technology platforms may process information in other provinces or countries. Information processed elsewhere may be subject to the laws and lawful-access rules of those jurisdictions.

11. Changes to this Privacy Policy

We may update this policy when our practices, technology or legal obligations change. The revised version will be posted on this page with a new effective date. Material changes may also be highlighted through an additional notice where appropriate.

12. Contact and privacy requests

Send privacy questions, access requests, correction requests or complaints to the privacy contact listed below. We may need to verify identity before responding to a request.