Privacy Policy

1. Your Consent

By providing personal information to Motofi, you consent to our collection, use, disclosure, and retention of that information as described in this Privacy Policy and as permitted or required by applicable law.

You may withdraw consent at any time, subject to legal or contractual restrictions and reasonable notice. If you withdraw consent, we may not be able to provide some or all of the Services.

2. What is Personal Information

Personal information means information about an identifiable individual, including (for example) name, contact information, date of birth, employment and income information, and credit-related information. It does not include business contact information used to contact an individual at a place of business.

3. Information We Collect

3.1 Information You Provide

• Contact details (name, email, phone number)
• Information about the vehicle you're seeking (or currently have)
• Financing-related information you submit (for example: address history, employment details, income, housing information, banking details you choose to provide, and other application details)
• Identity verification information (where required)
• Communications with us (emails, chats, forms)

3.2 Information Collected Automatically

When you use our website, we may collect:

• Device and browser information
• IP address and approximate location (derived from IP)
• Pages viewed, links clicked, time spent, and referral URLs
• Cookies and similar technologies (see Section 8)

3.3 Call and Message Recordings

If you call us, we may record calls for quality assurance, training, and accuracy. Where required by law, we will obtain appropriate consent. If you prefer not to be recorded, you can request an alternative communication method (for example, email).

3.4 Credit-Related Information

If you apply for financing or request a financing review, we may obtain credit-related information (including credit score and related information) from a credit reporting agency, where permitted by law and with your consent as required.

3.5 Information from Third Parties

We may receive information from:

• Vehicle dealers and lenders involved in your application
• Identity verification and fraud-prevention providers
• Service providers that support our website, analytics, communications, and customer relationship management

4. How We Use Personal Information

We use personal information to:

• Provide, operate, and improve our Services
• Process and support financing applications and related requests
• Communicate with you about your application, account (if any), and customer support requests
• Verify identity and help prevent fraud and security incidents
• Maintain internal records, quality assurance, and training
• Comply with legal and regulatory requirements
• Protect and enforce our legal rights and manage disputes

5. How We Disclose Personal Information

5.1 Dealers, Lenders, and Related Third Parties

With your consent (express or implied, depending on the context and law), we may share your application and related information with Canadian vehicle dealers, lenders, and other parties involved in evaluating and fulfilling your financing request.

5.2 Service Providers

We may share information with vendors who provide services on our behalf (for example: hosting, analytics, communications, customer support tools, identity verification, and fraud prevention). They are authorized to use personal information only as necessary to provide services to us.

5.3 Legal and Compliance Disclosures

We may disclose information as required or authorized by law, including to comply with court orders, subpoenas, or lawful requests, or to protect rights, safety, and security.

5.4 Business Transactions

If we are involved in a merger, acquisition, financing, reorganization, or sale of assets, personal information may be disclosed as part of that transaction, subject to appropriate safeguards.

6. Where We Store and Process Information

We and our service providers may store or process personal information in Canada and other jurisdictions. Privacy laws in other jurisdictions may differ and may allow government or law enforcement access in certain circumstances.

7. Retention

We retain personal information only as long as reasonably necessary for the purposes described in this Privacy Policy, to comply with legal obligations, and to resolve disputes. We will delete, de-identify, or securely dispose of information when it is no longer required.

8. Cookies and Similar Technologies

We may use cookies, pixels, and similar technologies to:

• Enable core website functionality
• Understand website usage and improve performance
• Measure marketing effectiveness and, where applicable, provide interest-based advertising

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

9. Safeguards

We use reasonable administrative, technical, and physical safeguards appropriate to the sensitivity of the information. However, no method of transmission or storage is 100% secure.

10. Access, Correction, and Deletion

You may request access to, correction of, or deletion of your personal information, subject to legal exceptions. We may need to verify your identity before fulfilling requests.

To make a request, contact us using the information in Section 12.

11. Children

Our website and Services are intended for individuals in Canada who are the age of majority in their province or territory. We do not knowingly collect personal information from minors.

12. Contact Us

For questions or requests about this Privacy Policy or our privacy practices, contact:

Motofi Privacy Contact
Email: drive@motofi.ca

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time by posting a new version on our website. The Last updated date will reflect the latest revision.