Effective Date: 2025-August 7

This Privacy Policy describes how approvedbysaini (“we,” “our,” “us”) collects, uses, discloses, and safeguards your personal information in compliance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws. By using our website and services, you consent to the practices described herein.

1. Information We Collect

We may collect personal, financial, and transactional information, including but not limited to:

• Full name

• Date of birth

• Residential address

• Email address

• Phone number

• Employment details

• Financial and credit information (including credit bureau data)

• Government-issued identification

• Vehicle ownership, registration, and insurance details

This information is collected directly from you via our website, online forms, phone calls, in-person interactions, or third-party data sources.

2. Purpose of Collection

We collect and use personal information for the following purposes:

• Processing and assessing credit applications

• Verifying identity and eligibility for financing

• Facilitating vehicle purchases, sales, and trade-ins

• Performing background and credit checks through authorized credit bureaus

• Communicating with you regarding your application, services, or inquiries

• Complying with legal, regulatory, and contractual obligations

3. Consent

By providing your personal information, you explicitly consent to its collection, use, and disclosure for the purposes stated in this Privacy Policy. You may withdraw consent at any time, subject to legal or contractual restrictions, by contacting us in writing.

4. Disclosure of Information

We may disclose your personal information to:

• Financial institutions, credit bureaus, and lending partners for application processing

• Third-party service providers who assist with verification, payment processing, inspections, and delivery

• Government agencies and regulators when required by law

• Legal authorities in cases of suspected fraud, criminal activity, or legal claims

5. Data Storage and Security

We employ industry-standard administrative, technical, and physical safeguards to protect personal information against unauthorized access, disclosure, alteration, or destruction. Personal data is stored on secure servers located in Surrey, Canada.

6. Retention of Information

Personal information will be retained only as long as necessary to fulfill the purposes for which it was collected, or as required by law.

7. Your Rights

You have the right to:

• Access and obtain a copy of your personal information

• Request corrections to inaccurate information

• Request deletion of your personal information, where permissible by law

• Withdraw consent to the use of your personal information

8. Cookies and Online Tracking

Our website may use cookies, tracking pixels, and similar technologies to improve user experience and analyze traffic. You may disable cookies via your browser, but some website features may not function properly.

9. Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for their content or privacy practices.

10. Updates to This Policy

We reserve the right to update this Privacy Policy at any time. The revised version will be posted on our website with an updated effective date.

Contact Information
For questions, concerns, or to exercise your rights, please contact:
📍 Approvedbysaini
📧 Support@approvedbysaini.com
📞 7785228348