PIPEDA Privacy Notice
Effective: June 16, 2026
This is a summary of our privacy practices under the Personal Information Protection and Electronic Documents Act (PIPEDA). For full details, please read our complete Privacy Policy.
What This Notice Covers
This notice explains how Pathway Credit collects, uses, and discloses your personal information when you use our website and credit application services.
What We Collect
| Category | Examples |
|---|---|
| Identity & Contact | Name, email, phone, address, date of birth |
| Employment & Financial | Job status, employer, income, housing costs |
| Credit & Vehicle | Credit situation, desired vehicle, budget, trade-in details |
| Technical | IP address, browser type, pages visited |
Why We Collect It
- To connect you with dealer partners for vehicle financing
- To assess your credit situation and match you with appropriate lenders
- To communicate with you about your application and available options
- To improve our services and website experience
Who We Share It With
| Party | Purpose |
|---|---|
| ✅ Licensed auto dealerships | Credit evaluation and vehicle matching |
| ✅ Lenders and financial institutions | Through our dealer network for financing |
| ✅ Service providers | Hosting, email, analytics, CRM (SendGrid, Drive Loop, and others) |
Your information is never sold to third parties for marketing purposes.
Your Consent
By submitting your application, you consent to:
- Collection and use of your information as described in this notice
- Referral to dealer partners who may contact you regarding financing
- Electronic communications via email, phone, or SMS (in compliance with CASL)
You may withdraw your consent at any time by contacting our Privacy Officer.
Your Rights
Under PIPEDA, you have the right to:
| Right | What It Means |
|---|---|
| Access | Request a copy of your personal information we hold |
| Correction | Ask us to correct inaccurate or incomplete information |
| Withdraw Consent | Revoke your consent, subject to legal limitations |
| Complaint | File a complaint with the Office of the Privacy Commissioner of Canada |
Contact Our Privacy Officer
Pathway Credit Privacy Officer
c/o Ideasoft Inc.
Email: privacy@pathwaycredit.ca
Reg Nomix — Privacy Officer
reg@ideasoft.ca
Filing a Complaint
If you are not satisfied with our response to a privacy concern, you have the right to file a complaint with:
Office of the Privacy Commissioner of Canada
30 Victoria Street
Gatineau, QC K1A 1H3
Phone: 1-800-282-1376
Web: www.priv.gc.ca