Terms of Use & Disclaimer
Terms and Conditions of Use
Please review these Terms and Conditions carefully before using this website.
By accessing or using the Capital Car Loan website (the “Site”), you agree to be bound by these Terms and Conditions, as well as all applicable laws and regulations. If you do not agree with any part of these terms, you must not use this Site.
Changes to These Terms
Capital Car Loan may update, revise, or replace these Terms and Conditions at any time, for any reason, without prior notice. Any changes will be posted on this Site, and your continued use of the Site after such changes are posted will be deemed your acceptance of the revised Terms. You should review this page regularly to ensure you are familiar with the most current version.
How We Operate
When you submit a finance application through Capital Car Loan (the “Application”), we work with third-party service providers and dealership partners to review and process your request. Capital Car Loan does not directly extend credit and does not itself provide loans. Instead, we share your Application with appropriate credit providers or dealers in order to help match you with available financing options.
Authorization
By submitting an Application to Capital Car Loan, you confirm that all information you provide is accurate and complete. You authorize Capital Car Loan and its agents, partners, or affiliates to:
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Request and obtain credit-related information about you from any sources we consider appropriate in connection with your Application.
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Access consumer credit reports from one or more credit reporting agencies as part of assessing and administering your Application.
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Contact you in person, by phone, mail, email, text message, or through social media platforms regarding your Application or related services.
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Provide you with updates on the status of your Application, including whether you pre-qualify for financing, the details of any loan offers, and whether your Application has been approved or declined.
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Share, sell, or otherwise disclose information from your Application, including your personal information, to lenders, affiliates, credit reporting agencies, wholesale lead providers, and motor vehicle dealerships that may independently review your information for the purpose of processing and facilitating your Application.
You may withdraw your consent to being contacted by Capital Car Loan at any time by using the unsubscribe link in our electronic messages or by contacting us directly. However, withdrawing consent may affect our ability to continue processing your Application or provide related services.
Links to Other Websites
The Site may include links to third-party websites. Capital Car Loan does not guarantee the accuracy, completeness, or reliability of any information found on linked websites and is not responsible for their content, policies, or practices. The presence of a link on our Site does not imply endorsement of the linked website. Your use of any third-party site is entirely at your own risk.
Use by Minors
This Site is not intended for individuals under the age of majority in their province or territory of residence. If you are a minor, you may only use this Site under the supervision of a parent or legal guardian. Capital Car Loan does not knowingly collect personal information from minors. Use of this Site is void where prohibited by applicable law.
Restricted or Terminated Access
Capital Car Loan reserves the right, at its sole discretion and without notice, to limit, suspend, or terminate your access to all or any part of the Site, in addition to any other rights or remedies available to us. We are not liable for any loss or inconvenience resulting from such actions.
Governing Law
Your use of the Capital Car Loan website and any disputes arising out of or related to these Terms and Conditions shall be governed by the laws of the Province of Nova Scotia and the federal laws of Canada applicable therein. You agree to submit to the exclusive jurisdiction of the courts located in Halifax, Nova Scotia, for the resolution of any such disputes.
Privacy Policy
Your privacy matters to us. This Privacy Policy explains how Capital Car Loan collects, uses, shares, and safeguards your personal information (“Privacy Policy”). It applies to information obtained through your Application and through your interactions with our Site and services.
Capital Car Loan is committed to handling your personal information responsibly and in compliance with applicable privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA). We may update this Privacy Policy from time to time. The most current version will always be available on our website or by contacting us directly.
What Is Personal Information?
“Personal information” means information about an identifiable individual. This can include details such as your name, address, age, income, date of birth, contact information, employment details, financial information, credit history, and details about your preferences, opinions, and purchase patterns.
Examples of personal information we may collect, use, and disclose include:
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Contact information (such as name, phone number, email address, mailing address)
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Financial information (income, employment details, existing debts, banking details where applicable)
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Information provided in your Application or through other communications with us
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Credit-related information obtained from third parties, credit bureaus, or our partners in connection with your use of our Site and services
Collection of Personal Information
Capital Car Loan collects personal information by lawful and fair means, and only with your knowledge and consent, except where otherwise permitted or required by law. We collect only the information reasonably necessary to:
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Process and evaluate your Application
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Communicate with you about financing options and related services
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Comply with our legal and regulatory obligations
We take steps to ensure that the information we collect is relevant, accurate, and up to date for the purposes for which it is used.
Use and Disclosure of Personal Information
Capital Car Loan may use and share your personal information and Application details to:
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Obtain any credit information relevant to your Application from sources we deem appropriate
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Request consumer credit reports from one or more credit reporting agencies in connection with assessing and administering your Application
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Communicate with you in person, by phone, mail, email, text message, or via social media platforms
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Provide updates regarding the status of your Application, including pre-qualification results, loan offers available to you (if any), approval or denial decisions, and related follow-ups
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Share or disclose information from your Application, including personal information, with lenders, affiliates, credit reporting agencies, automotive dealerships, and wholesale lead providers who may independently use this information to process and facilitate your Application
These activities are carried out solely for the purpose of identifying financing options, administering your Application, and providing services related to vehicle purchases and car loans.
Protecting Your Personal Information
We protect personal information using reasonable physical, organizational, and technological safeguards designed to prevent loss, theft, unauthorized access, disclosure, copying, use, or modification. Procedures and security measures are reviewed regularly to ensure they remain appropriate to the sensitivity of the information we handle.
Sharing Information with Third Parties
When your personal information is shared with third parties, Capital Car Loan requires them, by contract or applicable law, to protect your information in a manner consistent with this Privacy Policy and applicable privacy legislation. Third parties are obligated to maintain the confidentiality of your information and are not permitted to use it for any purposes other than those authorized by Capital Car Loan.
If we are required by law to disclose personal information (for example, in response to a court order or lawful request from authorities), we will take reasonable steps to verify the legitimacy of the request and will disclose only the information that is legally required.
Retention of Personal Information
We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, or as required by law or legitimate business needs (such as record-keeping or compliance obligations). When personal information is no longer needed, it is securely destroyed, erased, or anonymized, subject to any retention requirements on backup media or archives.
Contacting You
By accepting this Privacy Policy and submitting an Application, you consent to receiving communications from Capital Car Loan and its agents or affiliates by phone, mail, email, text message, social media, or in person regarding products and services that may be of interest to you.
You may unsubscribe from marketing emails at any time by using the unsubscribe link found in those messages. Please note that unsubscribing from promotional communications does not automatically withdraw your consent to the use or disclosure of your personal information already provided to our partners, nor does it necessarily stop all transactional or account-related communications.
Accessing and Correcting Your Personal Information
You have the right to request access to the personal information we hold about you, and to ask for corrections to any inaccuracies. To make such a request, please contact us in writing using the contact information provided on this website. We will respond within a reasonable time, in accordance with applicable laws.
In some circumstances, we may not be able to fulfill your request—for example, where disclosure would reveal confidential commercial information, personal information about another individual that cannot be separated, or where we are legally restricted from disclosing the information. We may request additional information from you to verify your identity before providing access.
Questions, Concerns, or Complaints
Capital Car Loan will respond in a reasonable timeframe to any questions, concerns, or complaints regarding our privacy practices and the handling of your personal information.
We have appointed a Privacy Officer responsible for overseeing our compliance with this Privacy Policy and applicable privacy laws, and for ensuring that information about our privacy practices is easily accessible.
All questions or concerns should be directed in writing to:
📧 Privacy Officer
Email: [email protected]