Stop ‘N’ Cash is committed to ensuring that your privacy is protected and the confidentiality of your personal information has always been fundamental to the way we do business within Stop ‘N’ Cash.
The Privacy Policy identifies the ways we ensure that your privacy and the confidentiality of your personal information are protected within our business, whether provided to our stores through paper based, electronic communications or on the telephone. It also outlines what personal information Stop ‘N’ Cash may collect and how we may use or restrict the use of your personal information. The objectives of our Policy are to inform you of our commitments and action for the protection of your personal information and the rules we use to govern what we collect, hold, use or disclose with respect to personal information and data to external suppliers.
The privacy of our clients, our employees and visitors to our web sites is also of prime importance to us and we are committed to protecting your privacy. Our Policy is designed to meet the requirements of the Canadian Privacy law including the recently enacted Personal Information Protection and Electronics Documents Act (PIPEDA) and the principles and standards set forth in the Canadian National Standard for the Protection of Personal Information. We are committed to a constant self-evaluation of our practices and procedures and responding to our clients and Loans Officers needs.
An Individual’s Right The Act gives an individual the right to know why an organization collects, uses or discloses personal information about them. It also gives an individual the right to expect an organization to collect, protect, use or disclose personal information reasonably and appropriately and not to use the information for any other purpose without obtaining consent. Individuals have the right to obtain access to their personal information, ask for clarification and complain to the Privacy Commissioner of Canada about how an organization handles their personal information.
An Organization’s Responsibilities An organization is responsible for the protection of personal information, the handling of such information at all times within the organization and its dealings with third parties. These responsibilities are outlined in principles that an organization must follow including accountability, identification of purpose, obtaining consent, limits to collections, use disclosure and retention as well as accuracy, safeguards, openness, access and recourse.
Privacy Principles Canada’s Personal Information Protection and Electronics Document Act is in place to assure individuals that their personal information is safeguarded by private sector companies with whom they conduct business. All organizations must comply with the principles of the Act that specify limits and constraints for businesses and the rights of individuals. These principles involve the collection, consent, use, distribution, safeguards to protect, transmittal and complaint procedures of personal information.
Purpose & Consent Before collecting Personal Information from you, we will explain to you the purpose of collecting it and we will only collect, use and disclose your Personal Information for the purpose of completing and conducting your payday loan process and your information will only be used for the purpose for which it was collected.
Security Your Personal Information is kept confidential and secure and it is not disclosed to anyone outside of our group of companies without your consent, unless required to collect your payday loan from Stop ‘N’ Cash or required by law. With appropriate safeguards and security measures, we will retain your information for the purposes we explain.
Identification We identify that the purpose for which Personal Information is collected is to comply with the process for being approved for a payday loan from Stop ‘N’ Cash and that you consent for us to retain this information on file.
Accuracy We will keep the Personal Information we collect as accurate, complete and up-to-date as necessary to fulfill the purposes for which it was collected.
Access You have the right to access your own Personal Information and to correct any changes or inaccuracies.
Accountability All Stop ‘N’ Cash corporate management, franchisees and Loans Officers are responsible for maintaining and protecting all Personal Information under their control.
What is Personal Information Personal Information is information about an identifiable individual. Data we collect from personal references is not considered Personal Information.
Collecting Your Personal Information We collect personal, financial and other information from you to establish a relationship in order to for us to conduct the business of providing you with approval for a payday loan. We may also collect further information from references that you provide as well as your financial institution and other service providers such as credit reporting agencies.
Use and Disclosure of Personal Information: We may use and disclose your personal information to:
- Identify you
- Determine your eligibility for a loan
- Process your application for a loan
- Assess and update your loan status on an ongoing basis
- Establish, maintain and manage our relationship with you
- Protect you and us against error and fraud
- Understand your needs and better understand your financial situation
- Meet any legal requirements
Sharing of Personal Information:
In order to maintain and administer the delivery of our service, we may share your personal information with:
- Our marketing agency
- Data processors
- Data storage providers
- Credit and Collection Agencies
- Third party call centres
- Account Administrators
- Other companies within the Stop ‘N’ Cash group of companies
Why We Ask Others For Information About You We may contact employers or other personal references to verify information that you have given us. We will not do this without your consent, but please remember that if you do not give your consent we may not be able to process your application for a payday loan at Stop ‘N’ Cash.
Information Regarding Loans Officers Protection of Loan Officer information within the company is also of prime importance. By protecting Loans Officers data, we increase respect, loyalty, morale and corporate confidence from Loans Officers that the company has taken all precautions necessary to comply with the PIPEDA legislation.
Our Loan Document & Other Methods of Acquiring Information A copy of our Loan Document is enclosed to outline the required personal information to qualify for a payday loan from Stop ‘N’ Cash. We may also from time to time request information regarding your marketing preferences and habits for us to better inform and communicate with you and other potential new clients. We may also use internal information available from internal data for demographic, loan history and census data.
We may also consider surveys to better understand the needs and profiles of our customers. Survey information is used for internal management uses only and your participation is optional.
Training Stop ‘N’ Cash will inform, train and educate our Loans Officers in all matters included in our Policy.
Contact Us In order to provide detailed information and respond to our franchisees, clients and Loans Officers expectations, we have designated an avenue to address your concerns. We will address individual questions, concerns, issues and or problems so as to provide clarification and a process for recourse.
If you have any questions, comments, suggestions, please email our Privacy contact at
Addressing Your Concerns If you have any questions, concerns or problems about privacy or confidentiality regarding how a request for information was handled, you can take the following actions.
STEP 1 Speak to the Manager at the Stop ‘N’ Cash location in your area. We will work hard to provide an acceptable solution. However, if you are not satisfied, the Manager of the store location in your area will elevate your problem to the next Step.
STEP 2 If you are not satisfied with the solution you received from the Manager in your area in Step 1, the Manager will offer to elevate your problem, communicating all relevant details on your behalf in writing to a representative of corporate Stop ‘N’ Cash.
Mail to: Stop ‘N’ Cash Administration Office, Re: Privacy Act, 809 Victoria Street North, Kitchener, Ontario, N2B 3C3.
If you are not satisfied with the solution you received from corporate Stop ‘N’ Cash, the corporate member will offer to elevate your problem, communicating all relevant details on your behalf in writing to the CEO of Stop ‘N’ Cash. The CEO of Stop ‘N’ Cash will write or call you to advise you of the actions being taken.
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