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10 mars 2021

FINANCIÈRE GENERAL MOTORS DU CANADA LTÉE.
DÉCLARATION DE CONFIDENTIALITÉ

TABLE OF CONTENTS:



INTRODUCTION

General Motors Financial of Canada, Ltd. and its subsidiary GM Financial Canada Leasing Ltd. (collectively, "GM Financial", "we", "us" and "our") are committed to respecting and protecting customer privacy. This Privacy Statement explains what information GM Financial may collect about you when you use the GM Financial website, https://www.gmfinancial.ca ("Site"), or GM Financial products or services ("Services"), and how we use, protect, transfer and disclose that information. Personal information ("Personal Information") is information about an identifiable individual, as more particularly described by applicable privacy legislation. Cette déclaration de confidentialité ne s'applique pas aux renseignements sur nos employés ni aux renseignements qui ne sont pas de nature personnelle.

Please read this Privacy Statement carefully. By using the Site or the Services, you consent to the collection and use of your Personal Information as described in the Privacy Statement. If you do not agree with the terms of the Privacy Statement, please do not use the Site or Services. Our Site may provide links to other websites which are not governed by our Privacy Statement. Nous vous encourageons à lire la déclaration de confidentialité de chaque site web que vous visitez.

RENSEIGNEMENTS PERSONNELS RECUEILLIS

GM Financial may collect Personal Information as necessary to deliver financial products and services to you. Les renseignements personnels que nous pourrions recueillir comprennent :

En général, nous recueillons les renseignements personnels directement de vous. However, with your consent, we may also obtain information about you from other sources such as the dealer from whom you seek to buy or lease a vehicle for which you need financing, credit reporting agencies, collection agencies, financial institutions, your past and present employers and creditors, your co-applicant, insurers, and other third parties relevant to the purposes described below.

Nous ne vous demandons pas votre numéro d'assurance sociale. However, if provided, we will use it to ensure that there is a match with your credit bureau information and to verify the accuracy and completeness of the information we obtain.

COMMENT NOUS UTILISONS VOS RENSEIGNEMENTS PERSONNELS

GM Financial uses your Personal Information to manage and administer our business including:

  • To process your GM Financial credit application, evaluate your eligibility for financial products and services, and fulfill our contractual obligations to you;
  • To obtain credit reports from consumer credit reporting and collection agencies, financial institutions or finance companies;
  • To manage, administer, collect and enforce accounts, collect debts owed to us and process payments;
  • To communicate with you about the Site or Services, such as to send you account updates or other communications regarding your account or to inform you of any changes to the Site or Services;
  • To send you information about promotions or other marketing material;
  • For specific purposes for which you provide consent;
  • To provide you support or other services you request, for example technical support or to answer questions about the Site or Services;
  • To maintain and improve the Site and Services and improve user experience;
  • To meet our legal, regulatory insurance, security and processing requirements;
  • To investigate and adjudicate any dispute or claim which relates to the Services that we offer to you, including to defend and bring legal actions;
  • To maintain records for reasonable periods;
  • In connection with certain business transactions involving our assets or business as further described in the “Disclosing Personal Information To Third Parties” and “Third Party Collection of Personal Information” sections below;
  • For any other purpose to which you consent or which is permitted or required by law; and
  • For any other legitimate business purpose.

Unless you opt-out, GM Financial may use your Personal Information for promoting products and services to you and may contact you from time to time to advise you of special offers or customer programs that we may offer and that you may qualify for. À cet effet, la Financière GM pourrait utiliser vos renseignements personnels pour décider si vous êtes admissible à ces offres ou à ces programmes et pour vous joindre. If you do not wish to be contacted by us for offers or customer programs, please let us know by contacting us by e-mail, by calling us or by writing to us at the contact information provided below.

RETENTION OF PERSONAL INFORMATION

We will retain your Personal Information for as long as needed to deliver financial products and services to you, to manage and administer our business as outlined above, or as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

DISCLOSING PERSONAL INFORMATION TO THIRD PARTIES

Personal Information may be transferred to or collected by the following third parties or outside agents or service providers (including our affiliates acting in this capacity) that perform services on our behalf for the purposes specified:

  • Service Providers. We may use third parties to provide you with products and services you request. If you are a customer, we may disclose the information we collect about you as described herein and in accordance with applicable law.
  • Affiliates. For customers, we may share Personal Information within the General Motors family of companies for analytical purposes, user preferences, and as described herein, in accordance with applicable law.
  • Dealers. We may share your credit application information with the dealer you select during the credit application process, in accordance with the terms and conditions of that process and applicable law, for the purposes of servicing your account and for our record keeping purposes.
  • Change in Corporate Structure. We may share information in connection with a merger, acquisition, consolidation, change of control, or sale of all or a portion of our assets or if we undergo bankruptcy or liquidation.
  • Credit Bureaus and Consumer Reporting Agencies. We may report the status of your account with us to credit bureaus, credit reporting agencies and to your current or future creditors for the purpose of maintaining your credit history and providing credit references.
  • Financial Institutions. We may share Personal Information with financial institutions for payment processing purposes.
  • Enforcement of Agreements and Collection or Payment of Debts. We may share Personal Information with third parties as reasonably necessary to enforce your agreements with us and otherwise for the collection or payment of a debt owed to us or our affiliates.
  • Fraud Prevention. We may share Personal Information for the purposes of detecting and preventing fraud.
  • The Ministry of Transportation. We may share Personal Information with the Ministry of Transportation offices or other licensing services as required for licensing and registration of the vehicle(s) that you have leased, financed, purchased, or traded-in.
  • Other Disclosures. We may also disclose your Personal Information for audit purposes; for the purposes of meeting legal, regulatory, industry self-regulatory, risk management and security requirements; when we believe that disclosure is necessary to protect our rights or to comply with a judicial proceeding, court order, or legal process; or for any other purpose to which you consent or that is permitted or required by law.

Personal Information may also be disclosed to the automotive manufacturer of the vehicle forming the subject matter of the financing or lease agreement ("Manufacturer") and the Manufacturer's authorized dealers, in order that they may meet safety, security, legal and regulatory requirements, including with respect to potential recalls; maintain accurate records to respond to inquiries, provide warranty or other customer service communications and otherwise better understand and manage their relationship with you; conduct research and analytics and to satisfy other reasonable, legitimate business interests. Unless you opt-out, Personal Information may also be disclosed to Manufacturers, their authorized dealers and their affiliates to provide you with general marketing, product, service and business partner information and offers, including end of financing or lease offers and re-marketing of lease terms, as well as customizing and improving communication content and online advertising to you and others (which may include targeted ads on social media and other websites).

Les renseignements personnels pourraient être divulgués à nos affiliés (y compris à ceux situés à l'extérieur du Canada) à des fins de vérification interne, de gestion, de facturation et d'administration, y compris les poursuites judiciaires et leur défense. Unless you opt-out, Personal Information may also be disclosed to our affiliates so that they may provide you with special offers that may be of interest to you.

Les renseignements personnels peuvent être utilisés par la Financière GM et être divulgués à des parties concernées par les actions actuelles ou proposées de financement, de titrisation, d'assurance, de vente, de cession ou toute autre disposition en tout ou en partie de la Financière GM ou de notre entreprise ou de nos actifs (y compris de votre location ou accord de prêt), dans le but d'évaluer ou d'effectuer la transaction proposée. Les cessionnaires ou les successeurs de la Financière GM, de notre entreprise ou de nos actifs pourraient utiliser et divulguer vos renseignements personnels aux mêmes fins que celles décrites dans la présente Déclaration de confidentialité. Some of these third parties may be located outside of Canada, including in the United States. Par conséquent, vos renseignements personnels peuvent être recueillis, traités et conservés dans d'autres territoires. Reasonable contractual or other measures we may take to protect your Personal Information while processed or handled by these service providers are subject to legal requirements applicable to our service providers, such as lawful requirements to disclose Personal Information to government authorities in certain circumstances.

OPT-OUT

If you do not wish to be contacted by third parties for promotional and marketing purposes, please let us know by contacting us by e-mail, by calling us or by writing to us at the contact information provided below.

THIRD PARTY COLLECTION OF PERSONAL INFORMATION

GM Financial may place or allow third party service providers to place persistent identifiers such as cookies, pixel tags, and web beacons on the Site.

Cookies, pixel tags, and web beacons are used for the following purposes:

  • Analytical Purposes. We use cookies and web beacons to analyze user activity in order to improve the Site. For example, we use this information to determine the number of visitors to the Site, the pages viewed per visit, and the time spent on particular pages. Collecting this information helps us provide you with a better online experience.
  • Beacons to store preferences you demonstrate on the Site. For instance, we may store your email so that you do not need to reenter it every time you visit MyAccount.

The information that GM Financial or third parties may collect with persistent identifiers includes the date and time of your visit to the Site, your computer's IP address and the pages of our website that you visited.

One of the third party services that we use is Google Analytics, which is a web analysis service provided by Google. Google utilizes the data collected to track and examine the use of the Site and may share this data with other Google services. You can find information about how to opt out of Google's use of cookies by visiting Google's Ads Settings.

The Site may also include social media features, such as the Facebook "Like" button, and other widgets, such as the "Share" button or interactive mini programs provided by third parties. These third parties may use cookies or other tracking technologies to collect information about you when you use the Site.

The information they collect may be associated with your Personal Information or they may collect information, including Personal Information, about your online activities over time and across different websites and other online services.

Do Not Track. Certain web browsers may provide an option by which you can have the browser inform websites, or Internet services you visit that you do not wish to have your activities tracked by cookies or other persistent identifiers across time and across third party Internet websites, online or cloud computing services, online applications, or mobile applications. These are commonly called "Do Not Track" signals. At this time, the Site does not honor Do Not Track signals from web browsers because it may diminish the optimal performance of the Site. However, you may refuse or delete cookies. Please refer to your browser’s Help instructions to learn more about cookies and other technologies, and how to manage their use. If you do elect to refuse or delete cookies, you will need to repeat this process if you use another computer or change browsers. If you choose to decline cookies, some of the functionalities of websites may be impaired

VOTRE CONSENTEMENT

GM Financial generally collects, uses, transfers and discloses your Personal Information with your consent, except as permitted or required by law. Dépendamment de la sensibilité de vos renseignements personnels, votre consentement pourrait être implicite ou explicite. Le consentement explicite peut être donné verbalement, par voie électronique ou par écrit. Le consentement implicite est ce qui peut se comprendre de façon raisonnable par vos actes ou votre inaction. Votre consentement peut nous être donné dans certaines circonstances où nous vous avons avisé au préalable de nos intentions au sujet de vos renseignements personnels et où vous n'avez pas retiré votre consentement pour une fin déterminée par le biais d'un système d'expression du refus, le cas échéant. En général, si vous nous fournissez vos renseignements personnels, nous supposerons que vous consentez à leur collecte, utilisation et divulgation aux fins décrites dans la présente déclaration, ou aux fins exposées au moment de leur collecte.

You can refuse to consent to our collection, use, transfer or disclosure of your Personal Information, however, we may then not be able to provide you with the products or services you request. Sous réserve de restrictions légales et contractuelles, vous pouvez retirer en tout temps votre consentement à la collecte, à l'utilisation ou à la divulgation des renseignements en nous donnant un préavis raisonnable. Il se peut toutefois que vous ne receviez pas l'autorisation de retirer votre consentement pour certaines opérations de collecte, d'utilisation et de divulgation de vos renseignements personnels nécessaires (par exemple, mais non de façon limitative, la conservation raisonnable de dossiers commerciaux et de transactions, et la divulgation continue de vos renseignements personnels aux agences d'évaluation du crédit). Si vous retirez votre consentement à certaines opérations de collecte, d'utilisation et de divulgation de vos renseignements personnels, il se peut que nous ne puissions plus vous offrir des produits et services financiers.

EXACTITUDE DE VOS RENSEIGNEMENTS PERSONNELS

La Financière GM fait des efforts pour veiller à ce que les renseignements que nous détenons à votre sujet soient exacts, complets et à jour, tel qu'exigé pour les fins auxquelles ils sont utilisés. Pour ce faire, la Financière GM demande d'être avisé de tout changement à vos renseignements personnels comme votre nom, votre adresse, ou tout autre renseignement pertinent. La Financière GM fournit régulièrement à votre bureau de crédit des renseignements exacts et à jour sur les services financiers qui vous sont fournis.

ACCÈS ET CORRECTIONS AUX RENSEIGNEMENTS PERSONNELS

L'entité la Financière GM avec laquelle vous traitez pourrait ouvrir et conserver un dossier avec vos renseignements personnels aux fins décrites dans cette Déclaration de confidentialité qui sera accessible au bureau de la Financière GM comme indiqué ci-dessous. If you wish to request access to or correction of your Personal Information in our custody or control, you may make changes to the information that you provide to us on the MyAccount Site by logging into MyAccount and selecting "My Profile." You may also select the "Contact Us" tab on the Site to ask us any questions, or write to the applicable GM Financial office at the address provided below, attention Privacy Officer. Votre droit d'accéder à vos renseignements personnels et de les modifier est régi par les restrictions légales applicables. Nous pourrions prendre des mesures raisonnables pour vérifier votre identité avant de vous donner accès à vos renseignements personnels ou vous permettre de les modifier.

PROTECTION DE VOS RENSEIGNEMENTS PERSONNELS

La protection de vos renseignements personnels est importante pour nous. C'est pourquoi l'accès à vos renseignements est limité à nos employés, nos mandataires, nos agents et nos fournisseurs de services, qui en ont besoin pour faire leur travail ou pour nous fournir des services. Nous faisons des efforts raisonnables pour protéger vos renseignements personnels, en prenant des mesures de sécurité physiques, procédurales et électroniques adaptées à leur niveau de sensibilité. Ceci comprend les mesures contre la perte ou le vol et l'accès, la divulgation, la reproduction, l'utilisation ou la modification non autorisés.

CHILDREN’S PRIVACY

The Site is not intended for use by children under the age of majority, and we do not knowingly collect Personal Information from children under the age of majority. Please contact us if you believe we may have unknowingly collected information about a child under the age of majority, and we will take immediate steps to delete any such Personal Information.

NOUS JOINDRE

If you have any questions or concerns regarding our privacy practices, or would like to opt-out of the use and disclosure of your Personal Information for marketing purposes (as described above), you may contact us by the following means:

  • By Mail: 2001 Sheppard Avenue East, Suite 600, Toronto, ON, M2J 4Z8
  • By Telephone: Toll Free: 1-877-346-5469
  • Par courriel : privacy.ca@gmfinancial.com
  • Attention: Privacy Officer

CHANGEMENTS APPORTÉS À LA PRÉSENTE DÉCLARATION

Des changements pourraient être apportés à cette déclaration de confidentialité. Si nous souhaitons utiliser ou divulguer des renseignements personnels à des fins sensiblement différentes de celles décrites dans la présente déclaration, nous ferons des efforts raisonnables pour en aviser les personnes concernées, si nécessaire, y compris en révisant la présente Déclaration de confidentialité. Si vous êtes préoccupés par la façon dont vos renseignements personnels sont utilisés, veuillez nous joindre par un des moyens indiqués pour obtenir une copie de la présente déclaration. Si vous continuez de nous fournir vos renseignements personnels et d'utiliser nos services après les changements apportés à la présente Déclaration de confidentialité, nous considérons que vous acceptez lesdits changements. Vous pouvez consulter la date de la dernière mise à jour de la présente Déclaration de confidentialité sur la première page.

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