Privacy Policy

1. Who We Are

Used Car Calculator Canada ("we," "us," or "our") operates the website at usedcarcalculator.ca (the "Site"). We provide a free used car loan rate finder and educational resources to help Canadians make informed vehicle financing decisions.

We are subject to Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation.

2. Information We Collect

We collect two types of information:

• Information you provide voluntarily: Your email address if you subscribe to our rate alert newsletter, and any postal code you enter into our lender lookup tool.
• Information collected automatically: When you visit the Site, we and our third-party partners (Google Analytics, Google AdSense) may automatically collect your IP address, browser type, operating system, referring URLs, pages visited, and time spent on pages.

3. How We Use Your Information

We use the information we collect to:

• Send you rate alert emails if you opted in (you can unsubscribe at any time)
• Understand how visitors use the Site so we can improve it
• Display relevant advertising through Google AdSense
• Detect and prevent fraudulent or abusive activity
• Comply with legal obligations

We do not sell your personal information to third parties.

4. Cookies & Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience. Cookies are small text files stored on your device.

• Essential cookies: Required for the Site to function properly.
• Analytics cookies: Google Analytics uses cookies to help us understand traffic patterns. Data is aggregated and anonymized. You can opt out via Google Analytics Opt-out.
• Advertising cookies: Google AdSense uses cookies to serve personalized ads based on your browsing history. See Section 5 for details.

You can control cookies through your browser settings. Disabling cookies may affect Site functionality.

5. Advertising (Google AdSense)

Used Car Calculator Canada uses Google AdSense to display advertisements. Google uses cookies (including the DoubleClick cookie) to serve ads based on your prior visits to this and other websites.

• You may opt out of personalized advertising by visiting Google Ad Settings.
• You can also opt out via the Network Advertising Initiative opt-out page.
• Google's use of advertising cookies is governed by Google's Privacy Policy.

6. Affiliate Links & Third-Party Sites

Some links on Used Car Calculator Canada are affiliate or sponsored links. When you click these links and complete an application or purchase, we may earn a commission at no additional cost to you. All affiliate relationships are disclosed in our footer and on relevant pages.

When you click through to a third-party lender's website, that site's own privacy policy applies. We encourage you to read the privacy policy of any lender before submitting a loan application.

7. Sharing Your Information

We do not sell, trade, or rent your personal information. We may share information in the following limited circumstances:

• Service providers: Trusted third parties who assist us in operating the Site (e.g., email newsletter platform), under strict confidentiality agreements.
• Legal requirements: If required by law, court order, or governmental authority.
• Business transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

8. Your Rights (PIPEDA / Canadian Law)

Under PIPEDA and applicable provincial laws, you have the right to:

• Know what personal information we hold about you
• Request access to your personal information
• Request correction of inaccurate information
• Withdraw consent for us to use your information (subject to legal restrictions)
• File a complaint with the Office of the Privacy Commissioner of Canada

To exercise any of these rights, contact us at the address in Section 13.

9. Data Retention

We retain email addresses for newsletter subscribers until you unsubscribe. Analytics data is retained per Google's standard retention policies (typically 26 months). We do not retain postal codes entered into our lookup tool. This data is processed locally in your browser and not transmitted to our servers.

10. Security

We implement reasonable technical and organizational measures to protect the information we hold. However, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security.

In the event of a data breach that poses a real risk of significant harm, we will notify affected individuals and the Office of the Privacy Commissioner as required by law.

11. Children's Privacy

Used Car Calculator Canada is not directed at children under the age of 13. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us and we will promptly delete it.

12. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last Updated" date at the top of this page. We encourage you to review this policy periodically. Continued use of the Site after changes are posted constitutes your acceptance of the updated policy.

13. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or your personal information, please contact us:

We will respond to all privacy inquiries within 30 days as required by PIPEDA.