Terms and Conditions - VAC
Please read these terms and conditions of use carefully before using this web site
Your use of Vehicle Approval Centre depends on your acceptance, without modification, of the following terms and conditions (the “Terms and Conditions”). By using Vehicle Approval Centre you accept these Terms and Conditions.
Modifications of the Terms and Conditions.
Vehicle Approval Centre may, in its sole discretion and for any reason, modify, supplement or amend these Terms and Conditions without any notice or liability to you or any other person, by posting revised Terms and Conditions on the Vehicle Approval Centre website. Your continued use of the Vehicle Approval Centre website signifies your acceptance of such revised Terms and Conditions. View the website to review the most recent version of the Terms and Conditions.
How We Work
When you submit an application to Vehicle Approval Centre (the “Application”) we work together with service providers to process your Application. We do not arrange for or facilitate credit. We will release some or all of the information in your Application to these service providers in order to locate an appropriate credit provider for you.
By submitting an Application to Vehicle Approval Centre, you certify that all information which you provide in the Application is true and complete and you authorize Vehicle Approval Centre or our agents or affiliates to: obtain any and all credit information concerning your Application from any sources which Vehicle Approval Centre deems appropriate; obtain consumer credit reports from one or more credit reporting agencies in connection with the administration of your Application; communicate with you in-person, by telephone, mail, email, text or any social media platforms; provide reports to you on the status of your Application, including information concerning whether you pre-qualify for a loan or not, which lender’s loan offer (if any) you choose to accept, or whether your Application for credit is denied; and sell or otherwise disclose information concerning your Application, including your personal information, to one or more persons or organizations, affiliates, credit reporting agencies, or wholesale lead providers, any or all of whom may conduct independent searches using the information disclosed in your Application for the purpose of processing and facilitating your Application. You can withdraw your consent to being contacted by Vehicle Approval Centre at any time by notifying us at info@Vehicle Approval Centre or by using the unsubscribe option on any of our electronic messages.
Vehicle Approval Centre does not warrant the authenticity or reliability of the websites linked to the Vehicle Approval Centre website and is not responsible for the contents of any linked website. The inclusion of a link on the Vehicle Approval Centre website does not constitute endorsement of the linked website by Vehicle Approval Centre. Use of any such linked website is at the user’s own risk.
This website is not intended for use by minors. If you are under the age of majority in your jurisdiction, you may only use the Vehicle Approval Centre website, or any services provided in conjunction with the website, under the supervision of an adult. Vehicle Approval Centre does not knowingly collect personal information from minors. Use of this website is void where prohibited by applicable law.
In its sole discretion, in addition to any other rights or remedies available to Vehicle Approval Centre, and without any liability whatsoever, Vehicle Approval Centre may at any time, without notice to you, terminate or restrict your access to any component of Vehicle Approval Centre.
This use of the Vehicle Approval Centre website and any claims against Vehicle Approval Centre shall be governed by the laws of the Province of Ontario. You consent and submit to the exclusive jurisdiction of the courts located in the City of Toronto, in the Province of Ontario, Canada, in respect of all disputes arising out of or relating to the use of Vehicle Approval Centre website and these Terms and Conditions.
Personal information is information about an identifiable individual which includes your name, address, age, income, date of birth, gender, financial information and credit records, as well as your opinions, preferences and purchase patterns. Examples of personal information Vehicle Approval Centre may collect, use and disclose include your contact information, your financial information and other information that you may provide to us through your Application or otherwise or that we may obtain from third parties in conjunction with your use of the Vehicle Approval Centre website and services.
Collecting Personal Information
Vehicle Approval Centre will collect personal information by lawful and fair means and only with the knowledge and consent of the person concerned. Vehicle Approval Centre will only collect personal information which is relevant to the purposes for which it is to be used, to the extent necessary for those purposes, and will take reasonable steps to ensure the information is accurate, complete, and up-to-date.
Using and Sharing Personal Information
Vehicle Approval Centre may use or share your personal information and Application to: obtain any and all credit information concerning your Application from sources which Vehicle Approval Centre deems appropriate; obtain consumer credit reports from one or more credit reporting agencies connection with the administration of your Application; communicate with you in-person, by telephone, mail, email, text or any social media platforms; provide reports to you on the status of your Application, including information concerning whether you pre-qualify for a loan or not, which lender’s loan offer (if any) you choose to accept, or whether your Application for credit is denied; and sell or otherwise disclose information concerning your Application, including your personal information, to one or more persons or organizations, affiliates, credit reporting agencies, or wholesale lead providers, any or all of whom may conduct independent searches using the information disclosed in your Application for the purpose of processing and facilitating your Application.
Protecting Your Personal Information
Vehicle Approval Centre protects your personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification and take all necessary security measures necessary to ensure that personal information is handled and stored in a confidential and secure manner. We review our procedures and security measures regularly to ensure that they are properly administered and remain effective and appropriate for the sensitivity of the information.
Sharing Your Personal Information
Retaining your Personal Information
Subject to any legal or accounting requirements, we will retain your personal information only as long as necessary to fulfill the purposes for which it was collected. Personal information that is no longer required will be destroyed, erased or made anonymous, although copies of deleted information may continue to exist on back-up media.
Accessing your personal information stored by us
You have the right to access, update and correct inaccuracies in your personal information in our custody or control. To access your personal information, a request must be submitted in writing to us at the address provided in the “Contact us” section of this website. We will respond to your request for access or information in a reasonable time. There may be times when we are unable to fulfill your request – for example, if providing access to your personal information would reveal confidential commercial or proprietary information or personal information about someone else (and we are unable to separate your data), or if we are prohibited by law from disclosing the information. We may request certain personal information for the purposes of verifying the identity of the individual seeking access to their personal information records.
Responding to Privacy Concerns or Complaints