Privacy Policy
Effective Date: March 14, 2026
Last Updated: March 14, 2026
Introduction
At My Canada Payday (Westrock Financial Ltd.), protecting your privacy is a priority. We are committed to responsible handling of personal information and transparency regarding how it is collected, used, disclosed, retained, and safeguarded.
This Policy applies to all interactions with our websites, services, mobile applications, and products. By using our services, you consent to the practices described herein.
We comply with Canadian privacy laws, including PIPEDA and CASL, and follow the guidance of the Office of the Privacy Commissioner of Canada (OPC).
1. Accountability
We are responsible for personal information under our control. Our Privacy Officer oversees compliance and can be contacted for questions or complaints:
Privacy Officer Contact
Email: privacy@mycanadapayday.com
Phone: 877‑730‑8401
Our accountability measures include:
- Privacy governance and policies
- Employee privacy training
- Third-party vendor management
- Privacy impact assessments for new programs or technologies
- Periodic audits and reviews
2. Identifying Purposes
We identify and communicate the purposes of collection at or before collecting your information, including:
- Processing and evaluating loan applications
- Administering accounts and transactions
- Fraud prevention and risk management
- Compliance with legal and regulatory obligations
- Marketing communications (with consent)
All other uses require additional consent.
3. Consent
We rely on express or implied consent.
- Express consent: Directly provided when filling forms, agreements, or digital applications
- Implied consent: When collection is clearly required for services requested
You may withdraw consent at any time; this may affect our ability to provide certain services.
4. Limiting Collection
We collect only information necessary for identified purposes. Examples include:
- Identification: Name, date of birth, SIN, government-issued ID
- Contact: Address, email, phone numbers
- Financial: Bank accounts, transaction history, income, employer
- Technical: IP address, device, browser, cookies
- Marketing: Referral information
5. Limiting Use, Disclosure, and Retention
Use and Disclosure: Only for the purposes identified, unless otherwise permitted by law.
Third Parties: Only trusted service providers, credit bureaus, legal authorities.
Retention: Information is retained only as long as necessary, then securely destroyed or anonymized.
6. Accuracy
We maintain information to be complete, accurate, and up-to-date. You may request updates or corrections at any time.
7. Safeguards
We protect personal information using:
- Encryption (SSL/TLS)
- Secure storage and access controls
- Regular audits and monitoring
- Employee privacy training
8. Openness and Transparency
We provide clear, accessible information on:
- What personal information we collect
- Why and how we use it
- How we protect it
- Your rights and choices
9. Individual Access and Correction
You have the right to:
- Access your personal information
- Request corrections
- Know how information is used and disclosed
Requests are responded to within 30 days. Verification may be required.
10. Challenging Compliance
You may challenge our compliance by:
- Contacting our Privacy Officer
- Escalating to the Office of the Privacy Commissioner of Canada if unresolved
11. Cookies & Tracking
We use cookies for functionality, security, analytics, and personalized experience/marketing (with consent). Browser settings can control cookies.
12. Electronic Communications (Email, SMS, Phone)
Consent is required for marketing messages and notifications about promotions, products, or services. You may opt-out anytime.
13. Transborder Data Transfers
Information may be processed outside Canada (e.g., by service providers). We maintain contractual safeguards to protect your information.
14. Data Breach Response
In the event of a breach posing real risk of significant harm, we will:
- Notify affected individuals
- Notify the OPC as required
- Take mitigation steps
15. Additional PIPEDA Best Practices
- Privacy Impact Assessments for new systems or programs
- Vendor due diligence and contractual safeguards
- Automated decision-making transparency
- De-identification/anonymization where possible
16. Changes to This Policy
Updated policies are posted on our website. Continued use of services indicates acceptance.
If you have questions about this Privacy Policy or how your personal information is handled, please contact:
Privacy Officer
My Canada Payday (Westrock Financial Ltd.)
Phone: 877‑730‑8401
Email: privacy@mycanadapayday.com
Website: www.mycanadapayday.com
