Privacy Policy – Circuit Loans
Effective Date: January 1st, 2025
Last Updated: January 25th, 2026
Circuit Loans (“Circuit Loans,” “we,” “us,” or “our”) is committed to protecting your privacy and safeguarding your personal information. This Privacy Policy explains how we collect, use, disclose, store, and protect personal information in compliance with Canadian privacy laws (including PIPEDA and Québec’s Law 25) and the General Data Protection Regulation (GDPR) where applicable.
Circuit Loans operates in Canada and is located in Montreal, Québec.
1. Information We Collect
We may collect the following types of personal information:
a) Identification Information
Full name
Date of birth
Government-issued ID (where required for verification)
b) Contact Information
Email address
Telephone number
Residential address
c) Financial Information
Employment details
Income information
Banking details for loan funding and repayment
Transaction history with Circuit Loans
d) Technical Information
IP address
Device type and browser information
Cookies and usage data
e) Verification & Compliance Information
Identity verification data
Fraud prevention and anti-money laundering data
We collect only the information necessary to provide our services and meet legal obligations.
2. How We Collect Information
Personal information is collected:
Directly from you through applications, forms, or communications
Automatically through our website (cookies and analytics)
From third-party verification providers, payment processors, and financial institutions (with your consent or where legally permitted)
3. Purposes for Collecting Personal Information
We use personal information to:
Assess loan applications and eligibility
Verify identity and prevent fraud
Provide, manage, and administer loans
Process payments and repayments
Communicate with you regarding your account
Meet legal, regulatory, and compliance requirements
Improve our website and services
4. Legal Basis for Processing (GDPR)
Where GDPR applies, we process personal data based on:
Consent (e.g., marketing communications)
Contractual necessity (loan applications and agreements)
Legal obligations (regulatory compliance)
Legitimate interests (fraud prevention, service improvement)
5. Disclosure of Personal Information
We may disclose personal information to:
Identity verification and fraud prevention providers
Payment processors and financial institutions
Credit bureaus where permitted by law
Service providers assisting with operations (IT, hosting, analytics)
Regulatory authorities or law enforcement when legally required
All third parties are required to protect personal information and use it only for authorized purposes.
6. Data Storage & International Transfers
Personal information may be stored or processed in Canada or other jurisdictions, including countries outside the European Economic Area (EEA).
Where data is transferred internationally, we ensure appropriate safeguards are in place, such as:
Contractual protections
Adequate security measures
Compliance with applicable data protection laws
7. Data Retention
We retain personal information only as long as necessary to:
Fulfill the purposes outlined in this policy
Meet legal and regulatory requirements
Once no longer required, personal information is securely deleted or anonymized.
8. Your RightsCanadian Residents
You have the right to:
Access your personal information
Request corrections
Withdraw consent (subject to legal limitations)
GDPR Rights (Where Applicable)
You may also have the right to:
Access your data
Rectify inaccurate data
Request erasure (“right to be forgotten”)Restrict or object to processing
Data portability
Lodge a complaint with a data protection authority
9. Cookies & Tracking Technologies
Circuit Loans uses cookies to:Improve website functionality
Analyze traffic and usage patterns
You may manage cookie preferences through your browser settings.
10. Security Safeguards
We use reasonable administrative, technical, and physical safeguards to protect personal information against:
Unauthorized access
Disclosure
Loss or misuse
Access to personal data is restricted to authorized personnel only.
11. Children’s Privacy
Circuit Loans does not knowingly collect personal information from individuals under 18 years of age.12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be posted on our website with an updated effective date.
13. Contact Information
For privacy-related questions or requests, contact:
Privacy Officer
Circuit Loans
Montreal, Québec, Canada
📧 info@circuitloans.ca
🌐 https://www.circuitloans.ca