Effective: 05/01/2021
Western Canadian Credit Centre, a division of Rally Subaru, takes your privacy seriously and is committed to safeguarding your personal information online. We have developed this Privacy Policy to help you understand the types of information we gather from your visits to our website, how we collect, use, disclose and safeguard that information, and how you may access and correct that information at any time.
When you access or use this website, submit a credit application, purchase or finance a vehicle, request information about financing options, or otherwise interact with us, you accept the terms of this Privacy Policy.
We may modify this Privacy Policy from time to time and will notify you by posting the revised Privacy Policy on this website with a new effective date.
KEY ELEMENTS OF THIS PRIVACY POLICY
HOW WE COLLECT PERSONAL INFORMATION
We primarily collect information through our use of cookies and other web tracking technologies, where voluntarily provided by you, and where required to process financing, credit, vehicle purchase, or related service requests.
THE TYPES OF PERSONAL INFORMATION WE COLLECT
We collect non-personally identifiable data any time you visit our website, including your IP address and the general geographic location associated with your IP address, known as IP geolocation. We may also collect identifiable information you voluntarily provide to us, including your name, email address, phone number, address, employment information, income information, financing preferences, and other information needed to respond to inquiries or process credit-related requests.
HOW WE USE PERSONAL INFORMATION
We primarily use the information to provide you with a more relevant experience on our website, respond to your requests, assist with vehicle financing inquiries, process credit applications, communicate with you, and provide products or services that may be of interest to you.
OUR USE OF COOKIES
We use cookies and other similar web tracking technologies to provide you with a convenient and personalized online experience. You may disable cookies from your web browser; however, the website may not function properly.
HOW WE SHARE PERSONAL INFORMATION
We may share personal information with Rally Subaru, lenders, financial institutions, credit bureaus, business partners, service providers, agents, and other parties where required or permitted by law, or where you have provided consent.
HOW WE SAFEGUARD PERSONAL INFORMATION
We use reasonable physical, technical and organizational measures to safeguard your information.
WHERE WE STORE / TRANSFER PERSONAL INFORMATION
We may transfer your information for processing and storage to countries outside of Canada, including the U.S. Your information may be accessible to law enforcement agencies, government agencies, courts, and national security authorities of the foreign jurisdiction.
RETAINING PERSONAL INFORMATION
We keep your information for so long as we need to fulfill our purposes, or as otherwise required or permitted by applicable law.
ACCURACY
We make reasonable efforts to ensure the information we have about you is accurate.
ACCESS & CORRECTION
You have the right to request access to the information we have about you and to correct any inaccuracies.
CHALLENGING COMPLIANCE
You have the right to challenge our compliance with applicable privacy laws.
EXTERNAL LINKS
This website may contain links to other websites. We are not responsible for the privacy practices of those other websites.
PASSWORDS
Please do not disclose or reveal any password you create for this website to anyone.
PUBLIC FORUMS
Our website may make chat rooms, forums, message boards, and/or news groups available to you. Any information you provide in these forums may become public.
CONTACT US
Please contact our Privacy Officer using the contact information at the end of this Privacy Policy for any questions about this Privacy Policy, our website practices, or our use of service providers outside of Canada.
HOW WE COLLECT PERSONAL INFORMATION
We primarily collect information through our use of cookies and other web tracking technologies, where voluntarily provided by you, and where required to respond to financing inquiries or process applications. For example, we may collect information when you submit a credit application, request financing information, contact us through the website, subscribe to email services, participate in website features, or otherwise communicate with us.
Western Canadian Credit Centre maintains a strict “no-spam” policy. Subscribers to our email services, or any other feature or service found on our website, will not receive unsolicited email messages from us and may opt out at any time.
We may also receive information about you from third-party sources, including lenders, financial institutions, credit bureaus, service providers, or other business partners where permitted by law. We will ask any provider of such information to confirm that the information may be disclosed to us in accordance with all applicable laws.
THE TYPES OF PERSONAL INFORMATION WE COLLECT
We may collect the following types of information:
Non-Personally Identifiable Data:
Anytime you visit our website, we may gather certain non-personally identifiable information regarding the means you use to access our site. This information may include your IP address and the general geographic location associated with your IP address, known as IP geolocation, information about your computer or mobile device such as the device type and browser version, your service provider, and any search engine you may have used to locate the site.
We use this information to help diagnose problems with our server, administer the website, and compile broad statistical data. In addition, we gather certain navigational information about where you go on our website. This information enables us to determine which areas of the website are most frequently visited and helps us tailor the website to the needs and interests of our online visitors. Such information is gathered by us in the aggregate and will not be associated with a specific individual without that individual’s consent.
Information You Voluntarily Provide to Us:
Any information you provide to us, including your name, address, phone number, email address, employment information, income information, vehicle interest, financing preferences, trade-in information, credit application details, or other information you submit when you request information, apply for financing, enroll in email reminder services, or use any interactive portions of our website.
We use this information to respond to your inquiry or request about our company, financing options, vehicles, products, or services, to process credit-related requests, or to provide you with special notices. We limit the amount and type of information we collect to what we need. We do not target or knowingly collect any information from children or persons under the age of majority.
HOW WE USE PERSONAL INFORMATION
We may use the information collected online as follows:
- To provide you with a more relevant experience on our website, including content that is relevant to your interests and geographic region.
- To respond to inquiries, requests, credit applications, financing applications, vehicle purchase requests, or service-related communications.
- To assist with arranging financing through lenders, financial institutions, or other financing partners.
- To verify identity, assess eligibility, process applications, and support vehicle financing or purchase transactions.
- To communicate with you about financing options, approvals, vehicle availability, promotions, appointments, or related products and services.
- To measure the effectiveness of our advertising.
- For the other purposes described in this Privacy Policy.
- As required or permitted by applicable law.
OUR USE OF COOKIES
Western Canadian Credit Centre may use a browser feature known as a “cookie” and other similar web tracking technologies. Cookies are small files placed on your hard drive that assist us in providing you with a customized browsing experience.
We use cookies to provide you with the convenience of not having to re-enter information, such as user IDs and passwords, multiple times during your visits to our website. We may also use cookies to help us provide you with information targeted to your interests and geographic location, based upon your browsing history.
Some cookies are “session cookies” that are deleted at the end of your browsing session, while some are “persistent cookies” that remain between sessions until they expire or you delete them. Similar web tracking technologies include pixels, web beacons, or other technologies that store or access information on your computer or mobile device.
We use Google Analytics to create reports and statistics on visits to the website. For information on how Google Analytics collects and processes your data, please see “How Google uses data when you use our partners’ sites and apps.”
You may disable cookies in your browser settings and clear your cache of previously installed cookies. However, if you disable cookies, the website may not function properly, and your online experience may be negatively affected.
In addition to disabling cookies, you may also install the Google Analytics opt-out browser add-on, which prevents Google Analytics from collecting information about your website visits.
We may also use third-party advertising services, including Google Ads Remarketing and the Facebook Pixel, to provide you with information based on your interests and geographic location and to measure the effectiveness of our advertising.
Google uses cookies and/or device identifiers to serve you advertisements on sites across the Internet based upon your past visits to this website. Facebook uses cookies, web beacons and other storage technologies to serve you advertisements on and off Facebook’s platform based upon your past visits to this website and elsewhere on the Internet.
You may opt out of Google’s use of cookies or device identifiers by visiting Google’s Ads Settings. You may opt out of Facebook’s collection and use of your information for the purposes of delivering customized advertising in your Ad Preferences or Ad Settings in your Facebook account.
You may also opt out of seeing online interest-based advertising from participating companies, including Google and Facebook, through the Digital Advertising Alliance of Canada. Please note that if you opt out of certain kinds of advertising, you will continue to receive non-customized advertisements and may continue to receive customized advertisements from parties that do not participate in the opt-out programs.
HOW WE SHARE PERSONAL INFORMATION
We may share your personal information as follows:
Rally Subaru:
As Western Canadian Credit Centre is a division of Rally Subaru, we may share your personal information with Rally Subaru where necessary to respond to your inquiries, assist with vehicle purchases, arrange financing, provide customer service, manage records, or support related business operations.
Lenders, Financial Institutions, and Credit Bureaus:
Where you submit a credit application or request financing, we may share your personal information with lenders, banks, finance companies, credit bureaus, and other financing partners to assess eligibility, obtain credit decisions, arrange financing, verify information, and complete related transactions.
Business Partners:
Western Canadian Credit Centre may partner with select retailers, service providers, and other organizations at various times to provide expanded services to you. As part of such a relationship, we may share your information with these select parties where required to provide the requested product or service, or where otherwise permitted by law.
Service Providers / Agents:
Western Canadian Credit Centre may use other organizations to perform certain functions on our behalf. Examples include administering email services, website hosting, customer relationship management, advertising, analytics, credit application processing, and running special promotions.
Business Transfers:
In the event that Western Canadian Credit Centre or Rally Subaru sells or transfers a particular portion of its business assets, consumer information may be one of the business assets transferred as part of the transaction. If substantially all of the assets of Western Canadian Credit Centre or Rally Subaru are acquired, consumer information may be transferred as part of the acquisition.
Compliance with Law / Safety:
Western Canadian Credit Centre may disclose certain personal information based on a good faith belief that such disclosure is necessary to comply with or conform to the law, respond to legal process, protect the users of our website, protect the site itself, protect our business interests, or protect the public.
With Consent:
Other than as set forth in this Privacy Policy, you will be notified when personal information about you may be shared with third parties, and you will be given the opportunity to decline to share that information where required by law.
Other than as described above, we do not sell, rent, or trade consumer information without your consent.
HOW WE SAFEGUARD PERSONAL INFORMATION
Western Canadian Credit Centre uses reasonable physical, technical and organizational measures to safeguard and secure any information you provide to us. For example, data may be stored in protected databases on secured servers with restricted access.
Any information you provide to us, including your name, email address, phone number, credit application details, or other information submitted through interactive portions of our website, is securely maintained on our web server and internal systems or with service providers acting on our behalf.
WHERE WE STORE / TRANSFER PERSONAL INFORMATION
Western Canadian Credit Centre may transfer your personal information for processing and storage to countries outside of Canada, including the U.S. We use contractual or other means to ensure the information is protected while in the foreign country; however, your personal information may still be accessible to law enforcement agencies, government agencies, courts, and national security authorities of the foreign country.
RETAINING PERSONAL INFORMATION
Western Canadian Credit Centre retains your personal information for so long as necessary to fulfill the purposes we collected it for, including responding to inquiries, processing financing requests, maintaining business records, meeting legal or regulatory requirements, and supporting customer service, except as otherwise required or permitted by applicable law.
ACCURACY
We will make reasonable efforts to ensure that the information we have about you is accurate, complete and up to date as necessary for our uses, including information that we disclose to third parties, and to minimize the possibility that we use inaccurate information to make a decision about you.
ACCESS & CORRECTION
You have the right to request access to the information Western Canadian Credit Centre has about you and to request supporting information explaining how the personal information is used and disclosed. You also have the right to request that we correct inaccurate personal information about you. To do so, please contact us as set out below.
CHALLENGING COMPLIANCE
You have the right to challenge Western Canadian Credit Centre’s compliance with applicable privacy laws, and we will investigate all written complaints. To do so, please contact us as set out below.
EXTERNAL LINKS
Our website may contain links to other sites. Western Canadian Credit Centre is not responsible for the privacy practices or the content of such other websites. To help ensure the protection of your privacy, we recommend that you review the privacy policy of any site you visit via a link from our website.
PASSWORDS
The personal data record created through your registration with our website can only be accessed with the unique password associated with that record. To protect the integrity of the information contained in this record, you should not disclose or otherwise reveal your password to third parties.
PUBLIC FORUMS
Our website may make chat rooms, forums, message boards, and/or news groups available to its users at various times. Please remember that, unless otherwise stated, any information that is disclosed in these areas becomes public information, and you should exercise caution when deciding to disclose your personal information in these areas.
CONTACT US
If you have questions concerning this Privacy Policy, including about our use of service providers outside of Canada or the practices of this website, you may contact us at:
Western Canadian Credit Centre
A division of Rally Subaru
5220 Gateway Blvd.
Edmonton, AB T6H 4J7
Phone: (587) 850-3314
Email: kdupuis@rallysubaru.ca, leads@rallysubaru.ca
Attention: Privacy Officer