Privacy Policy

1. Introduction

Instant Financial Inc. (“Instant Financial,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information entrusted to us.

We handle personal information in accordance with applicable Canadian privacy legislation, including Quebec privacy legislation and, where applicable, the Personal Information Protection and Electronic Documents Act (“PIPEDA”).

2. Personal Information We Collect

Depending on how you interact with Instant Financial, we may collect:

• Identity and contact information: name, date of birth, address, telephone number, email address, and other identifying information.
• Account information: account credentials, enrollment information, selected program, course activity, communication preferences, and account history.
• Financial and payment information: banking information, payment information, payment history, scheduled payments, transaction information, and information required to administer promotional cashback.
• Verification information: information reasonably required to confirm identity, eligibility, banking information, or other details supplied during registration.
• Financial information you provide: information concerning income, banking activity, or other financial circumstances where reasonably necessary for enrollment, verification, payment administration, fraud prevention, or another disclosed purpose.
• Technical information: IP address, browser type, device information, operating system, pages visited, referring URLs, cookies, and similar technologies.
• Communications: emails, support requests, complaints, feedback, and other correspondence.

3. Why We Collect Personal Information

We may collect and use personal information to:

• create and administer your account;
• process program enrollment;
• provide access to Instant Academy;
• verify identity and information submitted to us;
• administer program payments and promotional cashback;
• process transactions and maintain records;
• communicate with you about your account or program;
• provide customer support;
• prevent fraud, misuse, unauthorized transactions, and security incidents;
• comply with legal and regulatory obligations;
• maintain and improve our website and services;
• understand website usage and performance;
• investigate complaints or disputes; and
• send marketing communications where permitted by law and consistent with your preferences.

4. Consent

Where consent is required, we seek consent appropriate to the nature and sensitivity of the personal information and the circumstances.

Certain information is necessary for us to provide requested services. If you choose not to provide information necessary to administer your account, verify your identity, process payments, or provide a program benefit, we may be unable to provide the applicable service.

Where permitted by law, you may withdraw consent to certain uses of your personal information, subject to legal, contractual, or operational restrictions and reasonable notice.

5. Bank and Payment Information

Instant Financial may collect or receive banking and payment information necessary to administer program payments, promotional cashback, refunds where applicable, payment authorization, and account servicing.

Payment transactions may be processed by financial institutions and third-party payment service providers. Those providers may process information according to their own legal and privacy obligations.

6. Service Providers

We may disclose personal information to third parties that perform services on our behalf, including providers involved in payment processing, banking and payment verification, Interac e-Transfer delivery, identity or fraud verification, website hosting, cloud infrastructure, analytics, customer communications, electronic signatures, customer support, accounting, recordkeeping, and professional services.

We expect service providers handling personal information on our behalf to use appropriate safeguards and process information for authorized purposes.

7. Other Disclosures

We may disclose personal information where permitted or required by law, including in response to lawful requests, court orders, regulatory requirements, investigations, suspected fraud, security incidents, or to protect our legal rights.

Information may also be transferred as part of a proposed or completed corporate transaction such as a merger, financing, reorganization, acquisition, or sale of assets, subject to applicable legal requirements.

8. Cookies and Similar Technologies

Our website may use cookies and similar technologies to operate the website, remember preferences, understand website traffic, maintain security, and improve functionality. Where required by applicable law, consent will be obtained for technologies that are not strictly necessary.

9. Marketing Communications

Where permitted by law, Instant Financial may communicate with you regarding programs, educational content, promotions, account opportunities, and related services.

You may unsubscribe from promotional electronic communications using the unsubscribe mechanism included in the communication. Service-related communications concerning an active account, transaction, payment, security matter, or program may still be sent where necessary.

10. Retention

We retain personal information only for as long as reasonably necessary for the purposes for which it was collected and to satisfy applicable legal, regulatory, accounting, dispute-resolution, fraud-prevention, and recordkeeping requirements.

When personal information is no longer required, we take appropriate measures to securely destroy, delete, or anonymize it, subject to applicable law.

11. Safeguards

Instant Financial uses safeguards appropriate to the sensitivity of the information in its control. No method of electronic transmission or storage can be guaranteed to be completely secure. Accordingly, while we take measures designed to protect personal information, we cannot guarantee absolute security.

12. Access and Correction

Subject to applicable law, you may request access to personal information we hold about you and request correction of inaccurate or incomplete information. We may need to verify your identity before processing a request. Certain legal exceptions may apply.

13. Privacy Incidents

If a confidentiality or privacy incident involving personal information occurs, Instant Financial will assess and respond to the incident in accordance with applicable privacy legislation, including applicable notification and recordkeeping requirements.

14. Children’s Privacy

Instant Financial’s services are not intended for minors who are not legally able to enter into the applicable agreement. We do not knowingly solicit enrollment from individuals who are legally incapable of entering into our program agreements.

15. Changes to this Privacy Policy

We may update this Privacy Policy periodically to reflect changes to our practices, technology, services, or legal requirements. The current version will be posted on our website with the applicable effective or updated date.

16. Privacy Contact