Privacy Policy

CashWaves is a Canadian financial information and loan referral platform.

We are not a lender and we do not issue loans, make credit decisions, set loan terms, or guarantee approval.

CashWaves provides educational information about borrowing and gives users access to a third-party matching service that may connect eligible applicants with participating lenders and financial service providers.

This Privacy Policy applies to personal information that is collected or controlled by CashWaves through our Website.

The loan application or matching form available through CashWaves uses third-party technology provided by LeadScout. Information entered into that matching form may be collected and processed directly by LeadScout and participating financial service providers under their own privacy practices.

We encourage you to review the privacy information displayed with the application form before submitting sensitive personal or financial information.

The information collected depends on how you use CashWaves.

If you contact us with a question, privacy request, complaint, or other inquiry, you may provide information such as:

• your name;
• email address;
• phone number, if you choose to provide one;
• province or territory;
• the subject of your inquiry; and
• any information you include in your message.

Please do not send bank account numbers, passwords, Social Insurance Numbers, identity documents, or other sensitive financial information through ordinary email unless specifically instructed to use a secure method.

CashWaves currently provides access to a loan-matching form powered by LeadScout.

Depending on the application and the financial provider involved, information requested through that form may include:

• full name and contact information;
• date of birth;
• residential address;
• employment information;
• income amount and source;
• banking or financial information;
• information used to confirm identity or residency;
• information relevant to assessing eligibility;
• credit-related information where permitted and disclosed;
• fraud-prevention or verification information; and
• other information explained to you at the time it is requested.

The exact information requested may vary.

Information entered into the LeadScout matching form may be handled by LeadScout and participating lenders or service providers rather than directly by CashWaves.

Please review the consent notice and privacy disclosures presented with the form before submitting your application.

When you visit CashWaves.ca, certain technical information may be collected automatically through our Website, server logs, cookies, or similar technologies.

This may include:

• IP address;
• browser type;
• device type;
• operating system;
• pages visited;
• time spent on the Website;
• referring website or source;
• links or buttons you interact with; and
• general Website usage information.

We use this type of information to understand how the Website is being used, maintain security, identify technical problems, measure performance, and improve the experience for visitors.

Personal information under CashWaves' control may be used to:

• respond to questions and support requests;
• process privacy or consumer complaints;
• operate and maintain the Website;
• improve our pages, tools, and user experience;
• understand Website traffic and performance;
• identify and prevent fraud, abuse, or security threats;
• track referrals and affiliate activity;
• maintain business and security records where reasonably necessary; and
• meet applicable legal or regulatory requirements.

Information submitted through the third-party loan-matching form may also be used by LeadScout and participating providers to:

• process your request;
• identify potential financial-service providers;
• assess eligibility;
• verify information;
• prevent fraud;
• conduct identity, income, banking, or other permitted verification;
• facilitate lender review; and
• provide products or services you have requested.

The purposes that apply to your application should be explained to you when your information is collected.

CashWaves does not disclose personal information under its control to unrelated third parties simply for them to use however they choose.

Information may, however, be disclosed when necessary to operate the Website, provide a requested service, comply with the law, or where you have provided appropriate consent.

Depending on the situation, information may be shared with:

We may use third-party companies that help us operate, secure, maintain, analyze, or support the Website.

These providers should only receive the information reasonably necessary to perform the services they provide.

The application or matching experience available through CashWaves currently uses LeadScout technology.

When you enter information into that form, LeadScout may process the information and share relevant information with participating lenders, financial institutions, verification providers, fraud-prevention services, technology providers, or other parties described in its privacy policy and application disclosures.

If you request to be matched with a financial product, information submitted through the matching process may be provided to one or more participating providers where permitted by your consent and applicable law.

Those organizations are responsible for their own handling of information once it is under their control.

Information may also be disclosed where reasonably necessary or legally required, including in response to:

• applicable laws or regulations;
• court orders or lawful legal processes;
• government or regulatory authorities;
• fraud or security investigations; or
• circumstances involving the protection of legal rights, safety, or property.

We do not promise that application information will be shared with only one lender or one service provider unless the disclosure shown to you at the time of application specifically says so.

Where consent is required, we aim to explain in understandable language:

• what information is being collected;
• why it is being collected;
• how it will be used; and
• who it may be shared with.

By voluntarily providing information, you consent to its collection, use, and disclosure for the purposes explained to you, subject to applicable law.

You may withdraw your consent to certain uses of your personal information, subject to reasonable notice and any legal or contractual restrictions.

Withdrawing consent may mean that a service you requested can no longer be provided.

If your request relates to information submitted through the LeadScout application form or held by a participating lender, you may need to contact that organization directly because CashWaves may not control that information.

CashWaves may use cookies and similar technologies to help the Website work properly and understand how visitors use it.

Cookies may be used for purposes such as:

• essential Website functionality;
• security;
• remembering basic preferences;
• traffic and performance analytics;
• measuring referral activity; and
• tracking affiliate conversions.

Third-party tools used on the Website may also place or access cookies in accordance with their own privacy policies.

You can usually block, delete, or restrict cookies through your browser settings. Some parts of the Website may not work properly if certain cookies are disabled.

Where consent is legally required for a particular type of cookie or tracking technology, we will seek that consent as applicable.

CashWaves may receive compensation from participating partners when users are referred through our Website or complete certain actions.

To measure those referrals, we may use cookies, referral identifiers, or similar tracking methods.

Affiliate tracking information may include details such as the page or referral link used, general device information, and whether a qualifying action occurred.

Affiliate relationships do not give CashWaves authority to make lending decisions.

For more information about our commercial relationships, please review the relevant affiliate or advertising disclosures available on the Website.

We use reasonable administrative, technical, and organizational safeguards designed to protect personal information under our control from:

• unauthorized access;
• accidental loss;
• improper disclosure;
• misuse;
• alteration; and
• unauthorized destruction.

Depending on the information and system involved, safeguards may include secure HTTPS transmission, access controls, restricted system access, security monitoring, and the use of service providers with appropriate security practices.

Financial and identity information is considered sensitive and should receive safeguards appropriate to that level of sensitivity.

If you believe information connected with CashWaves has been compromised, please contact us promptly.

Some third-party service providers involved in Website operations or loan matching may process or store information outside your province or outside Canada.

For example, LeadScout states that some of its service providers may be located outside Canada, including in the United States.

When information is processed in another country, it may become subject to the laws of that jurisdiction and may be accessible to courts, law-enforcement agencies, or government authorities in accordance with local law.

Where CashWaves transfers personal information under its control to a service provider for processing, we take reasonable steps appropriate to the circumstances to protect that information.

CashWaves retains personal information under its control only for as long as reasonably necessary for the purposes for which it was collected, or as required or permitted by applicable law.

Retention periods may vary depending on:

• the type of information;
• why it was collected;
• legal or regulatory requirements;
• security and fraud-prevention needs;
• complaint or dispute requirements; and
• legitimate record-keeping obligations.

When information is no longer reasonably required, we may securely delete, destroy, or anonymize it, as appropriate.

We do not state that all personal information is automatically retained for a fixed seven-year period because different types of records may be subject to different requirements.

Information submitted through LeadScout or held by a lender is subject to that organization's retention practices and applicable legal requirements.

Depending on the law that applies to you and the organization holding your information, you may have rights relating to your personal information.

These may include the right to:

• ask whether we hold personal information about you;
• request access to personal information under our control;
• ask how your information has been used or disclosed;
• request correction of inaccurate or incomplete information;
• withdraw consent where legally permitted;
• ask about our retention practices;
• request deletion where applicable;
• raise a concern about how your information has been handled; and
• make a complaint to an appropriate privacy regulator.

We may need to verify your identity before completing an access, correction, or deletion request.

Certain information may need to be retained even after a deletion or consent-withdrawal request where retention is required or permitted by law.

For information controlled by LeadScout or a participating lender, requests should normally be sent directly to that organization.

CashWaves aims to handle personal information under its control in accordance with applicable Canadian privacy requirements.

Depending on the circumstances and location involved, this may include Canada's federal private-sector privacy law, the Personal Information Protection and Electronic Documents Act (PIPEDA), as well as applicable provincial privacy legislation.

PIPEDA includes principles relating to:

• accountability;
• identifying purposes;
• meaningful consent;
• limiting collection;
• limiting use, disclosure, and retention;
• accuracy;
• safeguards;
• openness;
• individual access; and
• challenging compliance.

Nothing in this Privacy Policy is intended to limit any privacy right available to you under applicable law.

CashWaves and the financial products discussed on this Website are not intended for individuals who have not reached the applicable age of majority.

We do not knowingly seek to collect personal information from children through CashWaves.

Third-party application providers and lenders may have their own eligibility requirements and privacy practices.

CashWaves contains links to lenders, government resources, financial organizations, and other third-party websites.

CashWaves does not control how independent third-party websites collect, use, store, or disclose personal information.

When you leave CashWaves.ca or interact with an independently operated application or service, that organization's privacy policy may apply.

We encourage you to review the privacy policy and consent information of any third party before providing personal or financial information.

We may update this Privacy Policy from time to time to reflect:

• changes to our Website or services;
• changes to service providers;
• new technologies;
• changes to our privacy practices; or
• legal and regulatory developments.

When we make changes, we will publish the updated Privacy Policy on this page and revise the "Last Updated" date.

If a change materially affects how personal information is collected, used, or disclosed, we will provide any additional notice or obtain any consent required by applicable law.

We encourage you to review this Privacy Policy periodically.

If you have a question, request, or concern about information handled by CashWaves, please contact us through:

Website: https://www.cashwaves.ca
Contact Page: https://www.cashwaves.ca/contact.html

When contacting us about privacy, please provide enough information for us to understand your request, but do not send bank account numbers, passwords, Social Insurance Numbers, or identity documents through ordinary email.

We will make reasonable efforts to review and respond to privacy concerns relating to information under our control.

If your concern relates to information entered through the LeadScout matching form, you may also review or contact LeadScout directly:

LeadScout Privacy Policy: https://leadscout.ca/privacy-policy/

If you believe a privacy concern has not been appropriately resolved, you may also be entitled to contact the Office of the Privacy Commissioner of Canada or the applicable provincial privacy regulator.

Office of the Privacy Commissioner of Canada
Website: https://www.priv.gc.ca
Toll-free: 1-800-282-1376