Effective Date: July 1, 2023
Information You Provide Us
Nyble collects and uses personal information for the purposes of providing our Services. We collect personal information directly from you through your use of our platform, the application you submit and through our interactions with you.
Personal Information: We use your personal information to determine your eligibility for products and our Services. We may also request your government-issued identification to confirm your identity. This information may include the following information: name, address, date of birth, phone number, email address, social insurance number, information about your rent or mortgage payments, credit-related information, financial transaction history, and credentials for third-party services.
Bank Account Information: For some of our Services, we require you to connect your bank account using a third-party service called Flinks (you may visit their website at flinks.com). Your credentials are maintained by the third-party service provider and Nyble does not store your bank account login information. We use your bank account information to verify your identity, determine your eligibility for Services, and collect information for payments.
Payment-Related Information: We may collect payment-related information including bank account numbers and payment card numbers that you enter and give us when you use our Services.
Communications: when you communicate with us, we may monitor and record our chat or telephone conversations to check your instructions to us, and assess and improve our services for training and quality assurance services and for the purposes of investigating any complaints you may make.
Marketing: We may obtain your consent to send you marketing communications by mail or email that promote products and services offered either by us or by third-party partners. You can opt out of receiving these offers by clicking the unsubscribe link in our marketing email communications or by contacting us.
Information Obtained from Third Parties
We may obtain information from third parties including but not limited to identity verification services, third-party websites, third-party apps, merchants, and others. If you are applying for our Services through a third party, the third-party partner may also share your personal information with us in order to provide our services to you.
Credit score and reports: If you register for an account on Nyble’s Website, Nyble will obtain and provide you with your credit score from a consumer reporting agency. Nyble will provide your credit score to you at the time of account creation and on a regular basis thereafter as long as you have an account with Nyble. Nyble may periodically use this information to attempt to pre-qualify or pre-select you for offers from third-party partners.
Disclosures and Transfers of Personal Information
Financial Institutions: We may transfer your personal information to financial institutions for payment and identity verification purposes.
Credit Bureaus: Each time you use Nyble to access your credit report, Nyble will share your information with Equifax Canada Co., including your name, address, and date of birth. This information will be used by Equifax Canada Co. to confirm your identity and obtain information from your credit file with Equifax. If you are eligible for Nyble’s Credit Reporting Services, Nyble may also transfer your Personal Information and payment information, including on-time and missed payments, to Equifax and/or other credit reporting agencies, if available, for inclusion on your credit report as a new tradeline.
Service Providers: We may also transfer your personal information to our Service Providers used to administer or provide products, services, or information on our behalf such as to operate and host our websites and features, and to send marketing communications. Some of the Service Providers that process personal information on our behalf may be located outside of Canada, including the United States. We require the organizations that we use to limit the use of your personal information only to the extent of the services that we have contracted them to provide.
Third Parties: If you use Nyble’s Services, we may share certain Personal Information we have about you with third-party partners to market their products or services to you if you have consented to/not opted out of these disclosures.
Legal & Compliance: To meet regulatory, legal, industry self-regulatory, and security requirements or other purposes identified with your consent or as required by law.
Personal information that we collect about you when you use our website is what you tell us about yourself, for example, by completing an online application, or information you provide to us through the "Contact Us" section or when you send us an email. As most websites do, we track usage patterns on our website on an anonymous basis. Your identity cannot reasonably be ascertained from this information. Each time you visit our website, our server records your internet service provider, the timestamp of your visit, the pages you visit, the documents downloaded, the searches you performed, and the referring URLs you came from. We use this non-personal information to optimize our website service. For your convenience, we may offer links from our website to other websites. However, we are not responsible for, nor do we accept any liability for, the personal information collection, use, and disclosure practices of other entities to which our website may link. You should consult the privacy policies of these other entities before providing any personal information on their websites.
Access, Accuracy and Corrections
We maintain a file of your personal information for the above-mentioned purposes. If you wish to request access to, or correction of, your personal information in custody or control, please make your request in writing to us. We may need to verify your identity before searching for or providing you with personal information. In some circumstances, we may not provide access to your personal information, for example, if it contains the personal information of other persons, if it constitutes confidential commercial information, or if it is otherwise not properly the subject of an access request. It is important that your personal information be accurate and up to date. Please inform us as soon as possible of any changes to your personal information. If you have any questions, requests, or complaints about our personal information practices, please contact us.
If you wish to make inquiries, access/update the information that we have about you, or obtain further information. Please contact us at email@example.com.