Service Payment Plan, Inc. (collectively, "SPP", "us", "we", or "our") are committed to protecting your privacy. This Privacy Policy ("Policy") explains how we collect, use, disclose and protect the Personal Information (as defined below) of our customers and partners located in Canada.
It applies to all Personal Information collected by us:
(collectively, the "Services").
By using the Services, you agree to the collection, use, and disclosure of Personal Information in accordance with this Policy. Residents of the United States should review our Privacy Policy and our Financial Information Privacy Notice for information about their privacy rights and choices.
In this Policy, "Personal Information" means any information about an identifiable individual. When you use our Services, we may collect or receive Personal Information about you to provide our Services and operate our business. The types of Personal Information that we may collect about you are:
You, your service contract provider, or your dealer may provide us with your Personal Information when you use our Services. This includes when you use the SPP Sites, contact us with inquiries, apply for financing through our Services, create an account through the SPP Sites (a "SPP Account"), or otherwise access our Services. This Personal Information may include:
When you use our Services, complete electronic forms, communicate with us or contact us by email or phone, we may automatically collect and store certain Personal Information about you and the activity you engaged in, for example: your name and contact information; your financing details; information that you voluntarily provide to us; the nature of your communication; the purpose of the interaction, and the action we took in response to your inquiry or request.
We may receive and store certain Personal Information about you and your device(s) automatically when you access or use the SPP Sites or our Services. This information may include:
When you use the SPP Sites and/or Services, we may collect general location information (such as IP address). This information may be used to enhance your user experience and improve the SPP Sites and/or Services.
Cookies are small web files that a site or its provider transfers to your device's hard drive through your web browser that enables the SPP Sites or SPP Canada's systems to recognize your browser and remember certain information.
We use cookies for the following purposes:
You may disable the use of cookies by modifying your browser settings. If you choose to disable cookies you may not be able to fully experience the interactive features of the SPP Sites and/or our Services.
We may use the Personal Information we collect or receive about you for various purposes.
We use your Personal Information to provide you with the Services, including to facilitate payment of your vehicle service contract. If the applicable information is to be provided or Service is to be performed by a third party, then we will disclose the applicable Personal Information to the third party providing the information or performing applicable Services. Your Personal Information may be available or provided to third party service providers and that are contractually obligated to protect your Personal Information as disclosed in this Policy.
We use your Personal Information for our everyday business operations such as supporting, auditing, administering the Services, forum management, fulfillment, and analytics.
We use your Personal Information to communicate with you. In the event you contact us, we use certain Personal Information to respond to your questions and assist you with any issues that may arise in your use of the Services.
We care about keeping you secure and safe while using our Services. Keeping you safe requires us to process your Personal Information, such as your device information, activity information and other relevant information. We use such information to combat spam, malware, malicious activities or security risks; improve and enforce our security measures; and to monitor and verify your identity so that unauthorized users do not gain access to your information.
Our Services are subject to certain laws and regulations which may require us to process your Personal Information. For example, we process your Personal Information to fulfill our business obligations, or as necessary to manage risk as required under applicable law.
When you access or use our Services, you are bound by our Terms of Use and this Policy. To ensure you comply with them, we process your Personal Information by actively monitoring, investigating, preventing and mitigating any alleged or actual prohibited, illicit or illegal activities on our Services. We also process your Personal Information to: investigate, prevent or mitigate violations of our internal terms, agreements or policies; and enforce our agreements with third parties and business partners.
We use your Personal Information to protect you, others, and our business, including, without limitation, using information for fraud prevention, for enforcement of our Terms of Use, to comply with the law, and to protect against security risks.
We may use your Personal Information for any other purpose disclosed to you at the time we collect or receive the Personal Information, or otherwise with your consent.
Your Personal Information is not shared with third parties without your permission, except as described below.
We may share your Personal Information with our third party service providers for certain business purposes. This Personal Information is provided in order for them to provide us services such as payment processing, data processing, IT services, customer support and other services. These third party service providers have access to your Personal Information solely for the purpose of performing services on our behalf and are expressly obligated not to disclose or use your Personal Information for any other purpose.
We may share your information with our partners, such as payment processors and financial institutions.
We recognize that information related to your use of our Services could contain Personal Information. However, we may be required to disclose your Personal Information to third parties including law enforcement agencies when required to protect and defend our legal rights, protect the security of users of our Services, prevent fraud, comply with the law, respond to legal process, or a request for cooperation by a government entity.
In the event of a sale, transfer, amalgamation, merger, reorganization, dissolution, or similar event we may transfer your Personal Information to one or more third parties as part of that transaction.
We also may share or disclose your Personal Information with your consent or at your direction.
We have implemented reasonable organizational, technological, and physical security measures that are designed to safeguard Personal Information. However, no online activity is ever fully secure or error-free. While we strive to protect your Personal Information, we cannot guarantee that your Personal Information is absolutely secure. Please keep this in mind when disclosing any Personal Information to us.
Please recognize that protecting your Personal Information is also your responsibility. We urge you to take every precaution to protect your Personal Information when you are on the Internet, or when you communicate with us and with other through the Internet.
We will retain your Personal Information for as long as your account is active or as needed to provide you with the Services and to maintain a record of your transactions. We will retain and use your Personal Information to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.
We will also retain platform traffic usage data for internal analysis purposes. Usage data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of our Services, or we are legally obligated to retain this data for longer time periods.
SPP Canada aims to take reasonable steps to allow you to correct, amend, delete, or limit the use of your Personal Information. To make a request to correct, amend, delete or further limit the use of your Personal Information, please contact us as described in Section 13 of this Policy.
This section lists the privacy-related rights ("Rights") that we extend to all of our customers. Your right to know and right to deletion are not absolute and are subject to certain exceptions. For example, we cannot disclose specific pieces of Personal Information if the disclosure would create a substantial, articulable, and unreasonable risk to the security of the Personal Information, your account with us or the security of our systems.
You can also request that we provide you with a copy of your Personal Information in a commonly used electronic format so that you can manage and move it.
Please note that we may ask you to verify your identity before responding to such requests.
You may exercise your right to know or your right to deletion by contacting us at help@sppinc.net. We may ask you to verify your identity if you are contacting us through online chat, email, or phone. You may also designate an authorized agent to make a request to know or a request to delete. In order to be able to act, authorized agents have to submit proof that they are authorized to act on your behalf or have a power of attorney. We may deny requests from authorized agents who do not submit proof that they have been authorized by you to act on their behalf.
You can request, in writing, that we correct an error or omission to your Personal Information or delete your Personal Information. We will endeavour to respond to written requests within thirty (30) days, or alternatively, the timeframe prescribed by the relevant legislation.
We have operations, service providers and vendors in the United States and Canada, which means we may transfer your Personal Information to, store or access it in jurisdictions whose data protection laws may differ from those of Canada and that may not provide levels of data protection that are equivalent to those of your home jurisdiction. As a result, your Personal Information may be subject to access requests from governments, courts, or law enforcement in those jurisdictions according to the laws in those jurisdictions. For example, information may be shared in response to valid demands or requests from government authorities, courts and law enforcement officials in those countries. Subject to applicable laws in such other jurisdictions, we will use reasonable efforts to ensure that appropriate protections, such as contractual obligations, are in place to require our service providers and vendors to maintain protections on personal information that are equivalent to those that apply in Canada.
Some of the functionality may be provided by third parties and the Services may link to other third-party websites that are not controlled by SPP Canada. These third parties are not under our control and SPP Canada is not responsible for their privacy policies or practices. If you provide any Personal Information to any third party or through any such third-party website, we recommend that you familiarize yourself with the privacy policies and practices of that third party.
You may have also opted in to receive future promotional electronic communications from us or we may otherwise contact you with promotional offerings or other communications that may be of interest to you in accordance with applicable law. We may use the Personal Information to: (i) communicate with you regarding our products, Services and promotions; (ii) provide you with other information that you request; and/or (iii) improve our product and service offerings. You will always have the opportunity to "unsubscribe" from receiving any of our e-mail or other communications at any time. To unsubscribe, you can contact us at help@sppinc.net, or as otherwise described in our electronic communications to you.
If you decide to unsubscribe, we will only contact you thereafter: (i) for the purposes allowed under applicable law; (ii) to send you notices of changes to our Policy; and (iii) to receive Service related messages.
We do not support Do Not Track ("DNT"). DNT is a preference you can set in your web browser to inform websites that you do not want to be tracked.
You can enable or disable DNT by visiting the Preferences or Settings page of your web browser.
We may update our Policy from time to time. We will notify you of any changes by posting the new Policy on this page.
We will let you know via email and/or a prominent notice on our Services, prior to the change becoming effective and update the "effective date" at the top of this Policy.
You are advised to review this Policy periodically for any changes. Changes to this Policy are effective when they are posted on this page.
If you have any questions or concerns relating to this Policy or our privacy practices, please contact us at help@sppinc.net or 1-800-346-5990