Freedom Repair Specialists Privacy Policy

1. Who We Are

Rent Report Inc., doing business as Freedom Repair Specialists (“Freedom Repair Specialists,” “we,” “us,” or “our”) provides credit education and related services through our website. We may also connect individuals with third parties that offer credit products or services for which they may wish to apply.

We are committed to protecting personal information and handling it in accordance with applicable privacy laws, including the Personal Information Protection and Electronic Documents Act (Canada) (“PIPEDA”).

2. Information We Collect and How We Use It

Depending on the services you use, we may collect information such as your name, contact information, identification and demographic information, financial information, employment and income information, credit-related information, information about your use of our services, and information you provide in connection with a credit application or referral.

We collect, use and disclose personal information only for the following purposes:

• To provide credit education and related services;
• To understand your circumstances and provide information or recommendations relevant to your needs;
• To facilitate connections or referrals to third parties that may provide credit products or services;
• To assist you in applying for products or services offered by third parties, where you request or authorize us to do so;
• To communicate with you about our services;
• To verify information and help prevent fraud and unauthorized activity;
• To administer and improve our website and services; and
• To comply with legal and regulatory requirements.

We limit the information we collect to what is reasonably necessary for these purposes. If our services involve obtaining your credit report from a credit reporting agency, we will do so only with your express consent.

You may opt out of receiving marketing communications from us at any time by using the unsubscribe link in any such message or by contacting our Privacy Officer. Opting out will not affect communications that are necessary to provide services you have requested.

3. Financial Account Connectivity

Where you choose to connect a financial account to our services, we may use Plaid Inc. (“Plaid”) to facilitate that connection. Through Plaid, we may receive financial account information that you authorize us to access, such as account balances and transaction information, depending on the services you use.

Plaid's handling of information is also subject to its own privacy policies and practices. For more information, see Plaid's End User Privacy Policy at https://plaid.com/legal.

We use information obtained through financial account connectivity only for the purposes described in this Privacy Policy and the purposes presented to you when you authorize the connection.

4. Sharing Personal Information

We disclose personal information only where reasonably necessary for the purposes described in this Privacy Policy, and only to:

• Credit providers, lenders, brokers and other financial service providers, where you request or authorize a referral or application;
• Service providers that process personal information on our behalf, such as technology, hosting, communications, security and fraud-prevention providers;
• Plaid and other providers that facilitate services you have requested; and
• Other persons where disclosure is required or permitted by law.

Where you ask us to connect you with a third party or assist with an application, we will obtain your express consent before disclosing your personal information to that third party, and we will disclose only the information reasonably necessary to make that connection or facilitate the application.

We remain responsible for personal information in our custody or control when it is processed by service providers. Some of our service providers, including Plaid, may process or store personal information outside Canada. While outside Canada, that information is subject to the laws of the jurisdiction in which it is held and may be accessible to the courts, law enforcement and national security authorities of that jurisdiction.

5. Cookies and Third-Party Technologies

We may use cookies and similar technologies that are reasonably necessary to operate and secure our website, maintain your preferences, understand website usage and improve our services.

Our website may also contain links to or integrations with third-party websites and services. Those third parties may collect information directly from you and are responsible for their own privacy practices. We encourage you to review their privacy policies before providing personal information to them.

6. Retention and Security

We retain personal information only for as long as reasonably necessary to fulfil the purposes for which it was collected, to provide our services, establish or maintain business records, resolve disputes, enforce agreements, and comply with legal, regulatory or professional requirements.

When personal information is no longer required, we take reasonable steps to securely destroy, erase or anonymize it.

We maintain administrative, technical and physical safeguards appropriate to the sensitivity of the personal information we hold and take reasonable measures to protect it against loss, theft and unauthorized access, use, disclosure or modification.

7. Your Privacy Rights

Subject to applicable legal exceptions, you may request access to personal information we hold about you and request correction of information that is inaccurate or incomplete. You may also withdraw consent to the collection, use or disclosure of your personal information, subject to legal or contractual restrictions and reasonable notice. If you withdraw consent, we may be unable to provide some or all of our services, and we will explain the implications to you.

We will respond to privacy requests within the time required by applicable law.

If you have concerns about our handling of your personal information that we are unable to resolve, you may also contact the Office of the Privacy Commissioner of Canada at www.priv.gc.ca.

8. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our services, information practices or applicable law. The revised Privacy Policy will be posted on our website with its updated date.