Updated: November 25, 2020
MetCredit is conversant and compliant with all legislation concerning privacy. We adhere to the Model Code for the Protection of Personal Information set forth by the Canadian Standards Association.
Personal information is defined as information about an identifiable individual, which includes factual or subjective information, recorded or not, in any form, as well as sensitive personal information.
MetCredit employees conduct all aspects of business in accordance with the following Privacy Code standards:
Accountability for Personal InformationMetCredit is responsible for the personal information in its possession, and has a designated Privacy Commissioner who is accountable for the protection of personal information.
Identifying Purposes for the Collection of Personal InformationMetCredit will identify the purposes for which any personal information is collected at or before the time the personal information is collected.
Consent for the Collection, Use or Disclosure of Personal InformationMetCredit will make a reasonable effort to ensure that individuals are advised of the purposes for which their information will be used.
Limiting Collection of Personal InformationMetCredit will collect personal information in a fair and lawful means, and will only collect information that is necessary to fulfill the identified purposes.
Limiting Use, Disclosure and Retention of Personal InformationWith exception to situations where the individual provides consent, or when it is required by law, personal information will not be used by MetCredit for purposes other than what it was collected, or disclosed to unauthorized third parties. Personal information that is no longer required to fulfill the identified purposes will be securely destroyed or deleted.
Accuracy of Personal InformationMetCredit will keep personal information as accurate, complete and up-to-date as is necessary for its identified purpose.
Safeguards to Protect Personal InformationMetCredit has secure electronic and physical safeguards in place to protect personal information from loss, theft, unauthorized access, disclosure, copy or use. Personal information is protected in a manner that is appropriate to its level of sensitivity.
Openness in Regard to Our Personal Information Policies and PracticesMetCredit will provide inquiring individuals with the name and contact information of its Privacy Commissioner, as well as specific information about its policies and procedures relating to management of personal information.
Individual Access to Personal InformationUpon request by an authorized individual, MetCredit will verify the existence, use or disclosure of personal information under its care. Authorized individuals will be given access to their personal information, except in circumstances where disclosure of such information is not allowed. Also, an individual can challenge the accuracy and completeness of the information, and have it amended if they can verify the accuracy of the changes.
Attention: Privacy Commissioner
10310 Jasper Ave NW
Edmonton, AB T5J 2W4or email: firstname.lastname@example.org
Our Website Terms and Conditions
These Website Standard Terms and Conditions (these “Terms” or these “Website Standard Terms And Conditions”) contained herein on this webpage, shall govern your use of this website, including all pages within this website (collectively referred to herein below as this “Website”). These Terms apply in full force and effect to your use of this Website and by using this Website, you expressly accept all terms and conditions contained herein in full. You must not use this Website, if you have any objection to any of these Website Standard Terms And Conditions.
By completing and submitting any form on this website, you agree to receive communication from MetCredit.
Text Messaging Policy
By providing your cell phone number and opting in, you have provided MetCredit with consent to send you text messages in conjunction with the services you have requested.
- Message frequency varies by account/preferences. There is no charge to the user
- To opt-out, reply with STOP or email: opt out @ metcredit.com (without spaces)
- To request support, reply with HELP or use our contact form
- Carriers are not liable for delayed or undelivered messages
This Website is provided “as is,” with all faults, and MetCredit makes no express or implied representations or warranties, of any kind related to this Website or the materials contained on this Website. Additionally, nothing contained on this Website shall be construed as providing consult or advice to you.
MetCredit will not represent you to provide debt collection services unless we accept you as a client and have entered into a written agreement. We do not represent you simply because you have transmitted information to us or if we have given you an answer to a question.
Any legal principles discussed on this site may vary for each individual case or from province to province. Should you have legal questions, MetCredit recommends you consult an attorney. This website may discuss legal matters but we are not lawyers and do not provide you with legal advice.
MetCredit does everything technically possible to protect information transmitted via the Internet, including the use of a Secure Sockets Layer (SSL) connection and numerous other measures. It is important to know that transmissions on the Internet are not always confidential as no security provisions are invincible. You are transmitting confidential information entirely at your own risk.
MetCredit may assign, transfer, and subcontract its rights and/or obligations under these Terms without any notification or consent required. However, you shall not be permitted to assign, transfer, or subcontract any of your rights and/or obligations under these Terms. These Terms, including any legal notices and disclaimers contained on this Website, constitute the entire agreement between MetCredit and you in relation to your use of this Website, and supersede all prior agreements and understandings with respect to the same.
MetCredit owns all rights to the intellectual property and material contained in this Website, and all such rights are reserved. You are granted a limited license only, subject to the restrictions provided in these Terms, for the sole purpose of viewing the material contained on this Website.
Disclaimer: In no event shall MetCredit, nor any of its officers, directors and employees, be liable to you for anything arising out of or in any way connected with your use of this Website, whether such liability is under contract, tort or otherwise, and MetCredit, including its officers, directors and employees shall not be liable for any indirect, consequential or special liability arising out of or in any way related to your use of this Website.
MetCredit differentiates between our prospective clients and website visitors who are here to pay a debt or submit a job application. Any references to customer information are specific to visitors self-identifying as prospective clients. Our website never stores personal information from consumers, and job applications are managed separately from our client and debtor communications.
This refers to credit or debit card numbers, personal financial account information, Social Insurance Numbers, passport numbers, driver’s license numbers or similar personal identifiers, or other employment, financial or health information.
Information We Collect
You are free to explore our Website without providing any information about yourself. When you visit the Website, if you provide information to us, that will help us to understand your needs, and we collect navigational information.
This refers to any personal information that you voluntarily submit to us via public-facing pages of our website and that identifies you, including contact information such as your name, e-mail address, address, phone number, and other information about yourself.
This refers to information about your computer and your visits to this website such as your IP address, geographical location, browser type, referral source, length of visit and pages viewed. Please see the “Navigation Information” section below.
When you pay a remittance for accounts receivable or legal bills on our website, your transaction is processed by a third party PCI-compliant service provider, and never touches our server. We do not collect sensitive information from you via our website.
Use of Payment Card Information
If you give us payment card information, we use it solely to collect payment from you. We use a third-party service provider to manage payment card processing. This service provider is not permitted to store, retain, or use information you provide except for the sole purpose of payment card processing on our behalf.
How We Use Information We Collect
We Never Sell Personal Information
We will never sell personal information to any third party.
Use of Navigational Information
We use Navigational Information to operate and improve our Website. We may also use Navigational Information alone or in combination with Information to provide you with personalized information as necessary.
Security of Personal Information
Social Media Features
We offer publicly accessible blogs and community forums. Please keep in mind that if you directly disclose any information through our public message boards, blogs, or forums, this information may be collected and used by others. We will correct or delete any information you have posted on the website if you so request.
We reserve the right to use or disclose your Personal Information if required by law or if we reasonably believe that use or disclosure is necessary to protect our rights or to comply with a law, court order, or legal process.
You decide whether to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of our website. Our website keeps track of the websites and pages you visit within it, in order to determine what portion of the site is the most popular or most used. This data is only used to deliver customized content and promotions to those who intentionally shared their personal information and requested information.
We may collect demographic information, such as your postal code, age, gender, preferences, interests and favorites using log files that are not associated with your name or other personally identifying information. There is also information about your computer hardware and software that is automatically collected by us, just as Google Analytics collects the same information for most websites on the Internet. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used to provide general statistics regarding use of our Website. For these purposes, we do not link this automatically-collected data to marketing information such as name, email address, address, and phone number.
We employ a software technology called clear gifs that help us better manage the Website by informing us what content is effective. Clear gifs are graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are embedded invisibly on Web pages or in emails and are about the size of the period at the end of this sentence.