GRAPE CAPITAL GROUP INC. understands that your privacy is very important to you. We want every customer, associate, and vendor to know how we protect a customer’s personal information and financial privacy. This policy exists so that everyone can understand what our business practices are in relation to the personal information under GRAPE CAPITAL GROUP INC’s control.
Personal Information We Collect.
GRAPE CAPITAL GROUP INC collects personal information in a number of circumstances in the course of providing you with products and services and otherwise administering our business. We collect personal information primarily from you, for instance through loan applications and supporting information and documentation you provide. In connection with processing your loan application, we may collect personal information from references, employers and other financial institutions you have identified in your loan application as well as credit bureaus and other third party sources. We may also collect personal information about you through your on-going interactions with us. Personal information we collect includes:
Information you provide to us on new customer cards, loan applications, account set-up screens, and other forms including your name, address, telephone number, email address, social insurance number (if provided), driver’s license or other government photo ID, information about your employment, length at address, spouse or partner’s contact information, references, salary, pay dates and other contact, financial or biographical information you provide to us;
Bank statements, phone bills, cheque or pay stubs and voided cheques;
Information about your transactions with us, our affiliates, or other non-affiliated third parties, including how often you visit our stores, your recent transactions, size of checks, telephone requests, services purchased and other retail transaction information;
Information you provide to us on our website, including your name, address, email address and telephone number, to register for our website or receive marketing materials, or information you provide in an online survey; and
Other information we may collect with your consent or as permitted or required by law.
How We Use It.
GRAPE CAPITAL GROUP INC uses personal information in the course of its business including for the purposes of establishing and verifying identity and the accuracy and completeness of other information provided, verifying creditworthiness and determining eligibility for loan amounts, verifying and determining employment, references and contact information for underwriting, debt collection and fraud avoidance; servicing loans, providing on-going services and responding to questions, contacting customers for the purposes of administering their account, confirming contact information and collecting debts, administering our business and maintaining records for reasonable periods, meeting legal, regulatory, insurance, security and processing requirements, preventing fraud or abuse, and otherwise with your consent or as permitted or required by law.
GRAPE CAPITAL GROUP INC takes reasonable steps to protect your personal information using physical, electronic or procedural security measures appropriate to the sensitivity of the information in our custody or control, which may include safeguards to protect against loss or theft, as well as unauthorized access, disclosure, copying, use or modification. Authorized employees of GRAPE CAPITAL GROUP INC who require access to your personal information in order to fulfil their job requirements will have access to your personal information.