Privacy Policy
1968544 Ontario Inc. (DBA Right Auto Credit & FirstNationLoans.ca) Privacy Policy
Effective Date: July 1, 2025
1. Introduction
1968544 Ontario Inc., operating as Right Auto Credit and FirstNationLoans.ca (First Nation Auto) (“we,” “us,” or “our”), is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, store, and disclose your information when you interact with our websites, services, applications, communications, and marketing tools — including SMS (text messaging).
By using our services or providing your personal information, you agree to the terms outlined in this policy.
2. Information We Collect
We collect the following types of information:
a. Personal Information
Full name, email address, phone number, and mailing address
Employment and income details for financing applications
Driver’s license or identification details (where required)
Banking and financial information (submitted securely for loan processing)
Vehicle preferences and purchase details
b. Service & Application Data
Loan application details and credit-related information
IP address, browser type, and device information
Website usage activity and interaction logs
Uploaded documents (e.g., pay stubs, ID verification)
CRM activity related to inquiries, approvals, and customer support
c. SMS & Communication Data
Phone number for SMS communications
Message logs (including timestamps and delivery confirmations)
Communication preferences and opt-in/opt-out records
3. How We Use Your Information
We use your information to:
Process and match you with lenders, dealers, and financing partners
Evaluate and submit credit or loan applications
Provide personalized vehicle and financing options
Communicate via phone, email, and SMS regarding your application or account
Send reminders, updates, approvals, and next steps
Improve our services, website performance, and user experience
Meet legal, regulatory, and contractual requirements
We do not sell or rent your personal information to third parties.
4. SMS Communication Policy
By providing your phone number, you consent to receive SMS messages from Right Auto Credit and FirstNationLoans.ca. These may include:
Application updates and status notifications
Appointment reminders
Requests for documents or verification
Offers related to vehicle financing or approvals
Your Options:
Reply “STOP” at any time to unsubscribe
Reply “START” to re-subscribe
Or contact us directly for assistance
Message and data rates may apply depending on your mobile carrier.
5. Data Storage & Security
We implement industry-standard safeguards to protect your information, including:
Secure encrypted data storage
Controlled internal access to sensitive information
Secure third-party integrations for payments and credit processing
Routine monitoring and system updates
Sensitive data such as passwords and financial details are never stored in plain text.
6. Data Sharing and Disclosure
We may share your information with:
Lenders, dealerships, and financing partners to process your application
Trusted third-party service providers (e.g., CRM systems, hosting providers)
Credit bureaus and financial institutions (as part of your application)
Legal or regulatory authorities when required by law
We only share information necessary to provide our services and never sell your data.
7. Retention of Information
We retain personal information only as long as necessary to:
Complete financing and service obligations
Comply with legal and regulatory requirements
Inactive records may be anonymized or securely deleted after 24 months of inactivity unless required otherwise by law.
8. Your Rights
You have the right to:
Access or request a copy of your personal data
Correct or update inaccurate information
Request deletion of your information (subject to legal requirements)
Withdraw consent for communications, including SMS
To make a request, contact us using the details below.
9. Children’s Privacy
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors. If such data is identified, it will be deleted promptly.
10. Policy Updates
We may update this Privacy Policy from time to time. Any changes will be posted with a revised effective date. Continued use of our services constitutes acceptance of those changes.
11. Contact Us
If you have any questions or requests regarding this Privacy Policy or your personal data, please contact:
1968544 Ontario Inc. (Right Auto Credit / FirstNationLoans.ca)
📍 2357 Royal Windsor Dr, Oakville, ON L6J 7X6
📞 +1 844-744-4884
📧 nicole@rta.ca
