Privacy Policy

Last updated: 15 October 2026

This Privacy Policy explains how OntaCash handles personal information when you visit ontacash.ca, submit a loan request or contact us.

Loan requests can involve sensitive financial information. Please read this policy and the consent notices displayed on any form before submitting your information.

Who We Are

OntaCash is the name used for the service available at ontacash.ca.

Privacy questions and requests may be sent by mail to:

OntaCash
Attention: Privacy Contact
28 Dorset Dr
Brampton, ON L6T 2Y2
Canada

Information Covered by This Policy

Personal information means information about an identifiable individual. Depending on how you use our website and services, it may include the categories below.

Contact and Identification Information

Information supplied through a request or enquiry may include:

•  
• Email address.
• Telephone number.
• Residential address and province.
• Date of birth or age-related eligibility information.

Loan Request and Financial Information

Depending on the form and service used, information may include:

• Requested loan amount.
• Employment status and employer details.
• Income source, amount and payment frequency.
• Financial commitments and information relevant to repayment.
• Banking or supporting information requested through the application process.

The form or verification service should explain what information is required and why. Do not send banking passwords, PINs or one-time security codes through ordinary email or a general enquiry.

Communications

When you contact us, we may collect your message, contact details and information needed to respond or investigate a concern.

Website and Device Information

Website operation may involve collecting:

• IP address.
• Browser and device information.
• Pages visited and referring pages.
• Dates and times of visits.
• Technical logs and error information.
• Cookie identifiers, where used.

Some technical information may identify you when combined with other data.

How We Collect Information

We may receive information:

• Directly from forms or messages you submit.
• Automatically through website technologies.
• From service providers involved in processing your request.
• From lenders or verification providers, where authorised and relevant to your request.

Additional notices may apply when a third-party service collects information directly. Review those notices before using that service.

Why We Use Personal Information

We use personal information for identified purposes that may include:

• Receiving and processing a loan request.
• Assessing basic eligibility and directing a request to a lender.
• Supporting authorised identity, income or fraud checks.
• Communicating about a request or enquiry.
• Operating, maintaining and troubleshooting the website.
• Protecting against misuse and unauthorised activity.
• Handling complaints and privacy requests.
• Meeting applicable legal obligations.

We limit collection to information reasonably needed for the purpose explained at the time.

If we wish to use your information for a new purpose, we will explain that purpose and obtain consent where required.

Loan Requests and Lender Disclosures

When a loan request involves sending information to a lender, the application process must explain the intended disclosure and obtain the consent required for it.

Information shared for this purpose may include contact, eligibility, income and financial details relevant to the request.

A lender receiving information may handle it under its own privacy policy and legal obligations. Review the lender’s privacy notice and loan agreement before proceeding.

Submitting a request does not itself establish approval or require you to accept a loan.

Consent and Your Choices

The type of consent required depends on the information, its sensitivity, the purpose and applicable law.

Where required, we seek express consent for handling sensitive information or sharing it in connection with a loan request.

Accessing this policy does not, by itself, authorise unrelated marketing or every possible use of your information.

You may decline to provide optional information. If information is necessary to process a request, declining to provide it may prevent that service from being completed.

Withdrawing Consent

You may ask to withdraw consent, subject to legal or contractual restrictions and reasonable notice.

We will explain any consequences relevant to your request. Withdrawal does not reverse disclosures already lawfully made or require records to be removed where retention is legally necessary.

To manage information held independently by a lender, contact that lender directly. You may also contact us about disclosures made through OntaCash.

When Information May Be Shared

Personal information may be disclosed in the circumstances described below.

Lenders

Where explained in the request process and supported by the required consent, information may be shared with a lender to consider or process your request.

Service Providers

Providers supporting website hosting, communications, security, technical maintenance or request processing may need access to information to perform their services.

Access should be limited to their assigned functions and subject to appropriate privacy and security arrangements.

Legal Requirements and Protection

Information may be disclosed where required or permitted by law, including in response to valid legal process or to investigate suspected fraud or unauthorised activity.

Business Transactions

If a proposed merger, sale or other business transaction involves personal information, its handling remains subject to applicable law, appropriate safeguards and any required notices or consent.

Cookies and Similar Technologies

The website may use cookies or similar technologies to support functionality, remember preferences, maintain security or understand website use.

Where optional analytics or advertising technologies are used, their purposes and available choices should be explained through the website’s cookie controls or related notices.

You can manage cookies through your browser settings. Blocking some cookies may affect website functions.

This policy does not replace consent where consent is required for a particular technology or purpose.

Marketing Communications

If we send promotional emails or text messages, we do so with the consent or other authority required by applicable law.

You can withdraw marketing consent using the unsubscribe instructions in the message or by contacting us.

A marketing opt-out does not necessarily stop messages needed to respond to an active enquiry, administer a request or provide a legally required notice.

Information Processed Outside Canada

Some service providers may process or store information outside Canada.

Information processed in another country may be subject to that country’s laws, including lawful access by courts or public authorities.

You may contact us for information about our use of providers outside Canada and the safeguards applicable to those arrangements.

How Long Information Is Kept

We retain personal information only as long as reasonably necessary for the identified purposes, including applicable legal requirements, complaint handling and record-keeping obligations.

Retention periods depend on the type of record and why it is held.

When information is no longer required, it should be securely deleted, destroyed or made anonymous, subject to applicable requirements and backup-management processes.

Protecting Personal Information

Personal information requires safeguards appropriate to its sensitivity.

These may include access restrictions, secure transmission, technical protections and procedures governing authorised use.

No website, transmission method or storage system can guarantee complete security. If you believe information submitted through OntaCash has been compromised, contact us promptly.

Where a privacy breach triggers reporting or notification duties, we will respond in accordance with applicable law.

Accessing and Correcting Your Information

Subject to applicable law, you may request:

• Confirmation that we hold personal information about you.
• Access to that information.
• An explanation of its use and disclosure.
• Correction of inaccurate or incomplete information.
• Information about our privacy practices.

We may need to verify your identity before responding. Verification should be proportionate to the request and the sensitivity of the information.

Access may be restricted in circumstances permitted by law, such as where disclosure would reveal protected information about another person. Where appropriate, we will explain a refusal and available complaint options.

Requests will be handled within applicable legal time limits.

Requests to Delete Information

You may ask us to delete information that is no longer needed.

Deletion is subject to applicable law and legitimate retention requirements. We may need to retain certain records to meet legal obligations, resolve disputes or document how a request was handled.

We will explain relevant limitations when responding.

Adults Only

Our loan-related services are intended for adults who meet the applicable age and eligibility requirements.

If you believe a child has submitted personal information through our service, contact us so we can investigate and take appropriate action.

Third-Party Websites

Our website may link to lenders, payment services or other third-party websites.

Their privacy practices are governed by their own notices. Review those notices before providing personal information or authorising access to financial records.

Privacy Questions and Complaints

Please send privacy questions, access requests or complaints to:

OntaCash
Attention: Privacy Contact
28 Dorset Dr
Brampton, ON L6T 2Y2
Canada

Describe your concern and provide a suitable way for us to respond. Do not include passwords, PINs or unnecessary financial documents.

If a concern remains unresolved, you may contact the Office of the Privacy Commissioner of Canada or another privacy authority with jurisdiction over the matter.

Changes to This Policy

We may update this policy when our services, information practices or legal obligations change.

The revised version will display an updated date. Where required, we will provide additional notice or obtain consent before making a material change to how personal information is used or disclosed.