PRIVACY POLICY

At Gill Financial Inc. (“we,” “us,” or “our”), your privacy and security are of the utmost importance. This Privacy Policy outlines the types of personal and financial information we collect, how we use it, how we protect it, and your rights regarding your data.

1. Information We Collect

We collect personal and financial information to provide our loan services. This may include:

• Personal Information: Name, contact details (address, email, phone number), social security number, date of birth, and government-issued identification.
• Financial Information: Income, employment details, credit score, bank account details, loan history, CIBIL score, and asset details.
• Other Information: Information required for loan processing and to verify your identity.

2. How We Use Your Information

We may use the information collected for the following purposes:

• To assess your eligibility for loans and determine the appropriate loan terms.
• To perform creditworthiness evaluations and verify your identity for fraud prevention.
• To process and service your loan application, including communication regarding your loan status.
• To comply with legal, regulatory, and financial obligations, including reporting to credit bureaus and financial authorities.
• To send important notifications regarding loan terms, updates, and other relevant information.

3. Sharing Your Information

Your personal and financial information may be shared with:

• Credit Bureaus: To assess your creditworthiness and verify your financial standing.
• Payment Processors and Financial Institutions: To process loan disbursements and payments securely.
• Regulatory Authorities: If required by law or in the event of an audit.
• Third-Party Service Providers: Such as fraud prevention agencies or debt collection services, if applicable.
• Legal Entities: As necessary for compliance with legal obligations, fraud detection, or dispute resolution.

We ensure that third-party service providers maintain adequate security measures to protect your personal information.

4. Data Security Measures

We implement robust security measures to protect your personal and financial data. These include:

• Encryption: To safeguard data transmitted during loan application and processing.
• Access Controls: Limited access to sensitive data based on job responsibilities.
• Ongoing Monitoring: To detect and prevent unauthorized access or fraud.

Despite our best efforts, no system is 100% secure. If you suspect unauthorized access to your account, please contact us immediately.

5. Data Retention

We retain your personal and financial data for as long as necessary to fulfill the purposes outlined in this policy or to comply with regulatory requirements. Once your loan is paid off or an application is closed, we will retain your data for a period mandated by law or financial regulations.

6. Your Rights

You have the right to:

• Access your personal and financial information held by us.
• Correct any inaccurate information.
• Request the deletion of your personal data, subject to applicable legal requirements and retention periods.
• Withdraw consent for certain types of data processing, such as marketing communications.

For more information or to exercise any of your rights, please contact us at info@gillfinancialinc.com.

7. Credit Checks and Consent

By applying for a loan, you consent to our company performing a credit check and using financial information for the purposes of assessing your eligibility and creditworthiness. You acknowledge that we may share your information with credit bureaus to obtain reports, which may impact your credit score.

8. Fraud Prevention

To protect against identity theft and fraudulent loan applications, we utilize fraud detection tools and collaborate with third-party agencies to verify the authenticity of the information provided. This may include the use of automated systems to detect discrepancies or fraudulent activity.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make changes, we will post the revised policy on our website and notify you of significant changes via email. We encourage you to periodically review this policy to stay informed about how we are protecting your information.

10. Image Credits

All images used on this website are provided by Freepik. Specific image authors are credited where indicated.

11. Contact Us

If you have any questions about this Privacy Policy or our practices regarding your personal data, please contact us at:

• Email: info@gillfinancialinc.com
• Phone/WhatsApp: +1 437 445 5881
• Address: 1085 Bellamy Road North Suite 217, Toronto, ON MIH 3C7,Canada