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Privacy Policy

Last Updated: November 1st, 2024

At klearlink.io, protecting your privacy is our priority. This Privacy Policy describes how we collect, use, and share your personal information when you engage with our website and services. KlearLink Data Technologies Inc. ("KlearLink") is committed to complying with applicable privacy laws in the United States and Canada, including PIPEDA and the CCPA.

1. Our Commitment to Privacy

klearlink.io values your trust and implements responsible practices to manage your personal information carefully and respectfully. This policy provides transparency on our data collection practices and your rights concerning your personal information.

2. Information We Collect

Personal Information: Includes your name, email address, phone number, company details, and financial information required for transaction processing.

Credit and Financial Data: As a credit data provider, we collect data relevant to alternative credit from lenders and other service providers, including credit, payment history, account balances, and other financial behaviors as permitted by law.

Authentication Data: Information used for identity verification, such as passwords and security questions.

Automatically Collected Data: Includes IP addresses, browser type, device details, and website activity through cookies and other tracking technologies.

3. Legal Basis for Processing

Depending on the purpose and geography of regulation, we may process your personal data based on one or more of the following legal grounds:

Consent: Where explicit consent is provided by the user.

Contractual Necessity: Data processing necessary to fulfill contracts or services.

Legitimate Interests: For legitimate business purposes, as long as individual rights are not overridden.

Legal Obligation: To comply with legal requirements where necessary.

4. Use of Your Information

We may use your information for:

  • Service Delivery: To provide our credit reporting services, process payments, and facilitate communications.
  • Personalization: To offer tailored recommendations based on your preferences and needs.
  • Legal Compliance and Security: To comply with relevant legal obligations and secure our services.
  • Analytics and Improvements: To analyze service usage and enhance user experience.

5. Information Sharing

With your consent obtained when required, KlearLink may share your information with trusted third parties in specific situations:

Service Providers: For secure payment processing, data analytics, and customer service.

Credit Reporting Agencies: Data relevant to your credit and payment history may be shared to enhance credit reporting services.

Business Transactions: In cases of mergers or acquisitions, information may be transferred.

Legal Requirements: To comply with law enforcement requests or legal obligations.

6. International Data Transfers

KlearLink operates in the U.S. and Canada, and your data may be transferred across borders. We ensure that these transfers meet regulatory standards, including the use of legally accepted safeguards. In Canada, we maintain compliance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial laws. In the United States, we adhere to federal and state privacy laws, including the California Consumer Privacy Act (CCPA).

7. Your Rights

Depending on your location, you may have the following rights:

Access: Request a copy of your personal information and details on its processing.

Correction: Request corrections if your data is inaccurate or incomplete.

Deletion: Request the deletion of your personal data, with exceptions as permitted by law.

Opt-Out: California residents can opt out of the sale of their personal information under the CCPA.

To exercise any of these rights, please contact us at rights@klearlink.io.

8. Data Security

We use industry-standard security practices to protect your data, though no method of transmission over the internet is entirely secure.

9. Retention of Personal Information

We retain your data only as long as necessary for service delivery, legal obligations, or other stated purposes.

  • Canada: Personal information is retained in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial laws. Generally, data is retained for a minimum of 7 years following the completion of the service or as required by provincial regulations.
  • United States: We comply with federal and state regulations, including the California Consumer Privacy Act (CCPA). Personal data is typically retained for 7 years, but may vary based on state-specific laws or industry requirements.

10. Updates to This Privacy Policy

We may update this Privacy Policy to reflect changes in our practices or regulatory requirements. We encourage periodic review of this policy.

11. Contact Us

For questions or requests regarding this Privacy Policy or your personal information, please contact us at:

klearlink.io

Email: contact@klearlink.io

For further information on data protection in Canada, you may contact the Office of the Privacy Commissioner of Canada, and for California residents, the California Attorney General’s Office.