Goloans.ca Terms and Conditions
1. Introduction
Goloans.ca is committed to protecting your privacy and complying with federal and provincial laws regarding personal information protection, including the Privacy Act, the Electronic Documents Act, and the Personal Information Protection Act. This policy outlines how Goloans.ca collects, uses, discloses, and protects client personal information in compliance with A2P and 10DLC regulations.
2. Collection of Personal Information
Goloans.ca collects personal information directly from clients through interactive forms, loan applications, and online interactions. Information may also be obtained from third parties with client consent. By submitting an application, clients consent to the collection and use of their information, including:
- Name, postal address, and contact details
- Email address
- Date of birth and gender
- Marital status
- Social insurance, health insurance, and driver’s license numbers
- Employment and salary details
- Employer information
- Financial information (assets, liabilities, bank statements)
- Personal references
- Computer-related information such as IP address, operating system, and browsing behavior
3. Purpose of Information Collection
Goloans.ca collects personal information for the following purposes:
- Evaluating loan eligibility
- Processing loan applications
- Managing client accounts
- Conducting due diligence
- Ensuring regulatory compliance
- Sending promotional and transactional communications
- Connecting the client with other lenders
- Adding other valuable services
4. SMS Communications & A2P/10DLC Compliance
- SMS messages are sent only to clients who opt in.
- Clients may unsubscribe at any time by replying “STOP.”
- Standard message and data rates may apply.
- Client information is not sold or shared for marketing purposes.
- Messages adhere to A2P and 10DLC guidelines to prevent spam and ensure compliance.
5. Use and Disclosure of Personal Information
Goloans.ca may share client information with authorized parties for the purposes of:
- Loan processing (financial institutions, loan brokers, credit agencies)
- Debt collection (agencies, legal representatives)
- Regulatory compliance (government authorities, legal obligations)
- Business operations (marketing, administration, IT services)
- services that help the clients get better lending rates
6. Data Security and Retention
Goloans.ca implements industry-standard security measures to protect personal information against unauthorized access, alteration, or misuse. Personal data is retained only as long as necessary for legal and contractual obligations.
Client Rights
Clients have the right to:
- Access their personal information
- Request modifications or corrections
- Withdraw consent for data collection and marketing communications
- Request data deletion where legally permissible
8. Updates to this Policy
Goloans.ca reserves the right to update this policy as needed. Changes will be posted on the company’s website. Continued use of services implies acceptance of the revised policy.
9. Contact Information
For questions regarding this policy or to exercise your rights, please contact:
Goloans Management
Chief Operations Officer
(1-866-478-4119)