At CreditDump.ca (“we,” “our,” or “us”), protecting your privacy and safeguarding your personal information is a top priority. This Privacy Policy explains how we collect, use, disclose, and protect your information when you visit our website, register for services, or interact with our platform.

By using CreditDump.ca, you agree to the practices described in this Privacy Policy. If you do not agree, please discontinue use of our services.

1. Information We Collect

1. a) Personal Information:
   – Name, business name, and contact details (email, phone, address).
   – Account login details (username, password).
   – Payment and billing information when you purchase services.
2. b) Business & Financial Information:
   – Invoices, receivables, judgments, and related supporting documents uploaded by you.
   – Credit, debt, and account information relating to listings and collections.
3. c) Technical & Usage Information:
   – IP address, browser type, device identifiers, and operating system.
   – Website usage data, including pages visited, time spent, and referral sources.
   – Cookies and similar technologies (see Section 7).

2. How We Use Your Information

– Provide, manage, and improve our marketplace and collection services.

– Verify the validity of invoices and receivables submitted to the platform.

– Facilitate communication between creditors, buyers, and collection partners.

– Process payments, commissions, and applicable service fees.

– Enforce our Terms of Service and comply with legal obligations.

– Prevent fraud, unauthorized use, and abuse of our services.

– Send you updates, notifications, and promotional offers (you may opt out anytime).

3. How We Share Information

– Service Partners: With licensed collection agencies, legal partners, or financial institutions that are part of fulfilling your request.

– Payment Processors: With trusted third-party providers to process transactions securely.

– Legal & Regulatory: If required by law, court order, or to protect our rights.

– Business Transfers: In the event of a merger, acquisition, or sale of company assets.

We do not sell your personal information to third parties.

4. Data Storage & Security

– Data is stored securely on servers located in Canada or trusted service providers.

– We apply industry-standard safeguards, including encryption, firewalls, and access controls.

– Access to sensitive information is limited to authorized personnel and service providers.

– While we strive to protect your information, no method of transmission or storage is 100% secure.

5. Your Rights

– Access, update, or correct your personal information.

– Request deletion of your account or data, subject to legal and contractual obligations.

– Withdraw consent to certain uses of your information.

– File a complaint with the Office of the Privacy Commissioner of Canada (OPC) if you believe your rights have been violated.

6. Data Retention

We retain personal and business information only as long as necessary to:
– Fulfill the purposes described in this Policy.
– Meet legal, regulatory, and contractual requirements.
– Resolve disputes and enforce agreements.

7. Cookies & Tracking Technologies

We use cookies and similar tools to:
– Enhance your website experience.
– Analyze site traffic and performance.
– Remember login sessions and user preferences.

You may disable cookies through your browser, but some features of CreditDump.ca may not function properly.

8. Third-Party Links

Our website may include links to third-party websites or services. We are not responsible for the privacy practices of external sites. Please review their policies before providing personal information.

9. Children’s Privacy

CreditDump.ca is intended for business and professional use only. We do not knowingly collect or process information from children under the age of 18.

10. Updates to This Policy

We may update this Privacy Policy from time to time. Updates will be posted on this page with a revised “Last Updated” date.

11. Contact Us

For questions or privacy requests, contact us at:

Credit Dump Canada
Email: info@creditdump.ca
Phone:  888-973-9174