Privacy Policy

We collect personal information that you voluntarily provide when you:

• Submit a financing application (auto loan or repair financing)
• Contact us by phone, email, or through our website
• Interact with our dealer partnership inquiry form

This information may include your full name, date of birth, home address, phone number, email address, employment details, income information, credit history, banking information (for pre-authorized debit), and vehicle information.

We also collect limited technical data automatically when you visit our website, such as your IP address, browser type, and pages visited, for security and analytics purposes.

We use your personal information to:

• Evaluate and process your financing application
• Communicate with you about your application status
• Verify your identity and assess creditworthiness
• Prepare and execute loan or lease agreements
• Set up pre-authorized debit or other payment arrangements
• Comply with legal and regulatory obligations
• Improve our services and website experience

We do not sell your personal information to third parties.

We may share your information with:

• Lending partners and financial institutions — to facilitate your financing approval
• Credit bureaus — to obtain credit reports as part of the application process
• Dealerships — where relevant to completing a vehicle transaction
• Service providers — who assist us in operating our business (e.g., email delivery, document generation), bound by confidentiality obligations
• Legal or regulatory authorities — where required by law

All third parties are required to handle your information in accordance with applicable privacy laws.

By submitting a financing application or inquiry, you consent to the collection, use, and disclosure of your personal information as described in this policy. You may withdraw consent at any time, subject to legal or contractual restrictions, by contacting us at the details below. Withdrawing consent may affect our ability to provide services to you.

Submitting a financing application authorizes Capital City Finance Centre to obtain a credit report from one or more credit bureaus (such as Equifax or TransUnion) on your behalf. This may result in a hard inquiry on your credit file, which can temporarily affect your credit score.

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, to comply with legal obligations, and to resolve disputes. Financing application records are typically retained for a minimum of seven (7) years in accordance with financial record-keeping requirements.

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, disclosure, alteration, or destruction. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.

Subject to applicable law, you have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate or incomplete information
• Withdraw consent to certain uses of your information
• File a complaint with the Office of the Privacy Commissioner of Canada or the BC Information and Privacy Commissioner

To exercise any of these rights, please contact us using the information below.

Our website may use cookies and similar technologies to improve your browsing experience and analyze site traffic. You can control cookie settings through your browser. Disabling cookies may affect some website functionality.

We may update this Privacy Policy from time to time. The effective date at the top of this page will reflect the most recent revision. Continued use of our services after any changes constitutes your acceptance of the updated policy.

If you have questions or concerns about this Privacy Policy or our privacy practices, please contact us: