Privacy Policy and Protection of Personal Information

Bureau Canadien du Crédit (“BUCC”, “we”, “us” or “our”) places great importance on the protection of the personal information of its clients, employees, and partners. We recognize the importance of respecting privacy and protecting the personal information that we collect, use, disclose, and retain, whether directly or through authorized third parties.

 

This Privacy Policy (the “Policy”) aims to inform you of how Bureau Canadien du Crédit collects, uses, discloses, and protects your personal information, in compliance with applicable personal information protection laws, including the Act Respecting the Protection of Personal Information in the Private Sector (Quebec) and PIPEDA (Canada).

 

 

1. Collection of Personal Information

 

As part of our credit file analysis, verification, and correction activities, we may collect the following types of personal information:

 

• Your identification information (last name, first name, date of birth, address, telephone number, email address, copies of identification documents, etc.);

 

• Your credit information (credit history, debts, collections, judgments, bankruptcies/consumer proposals, active and inactive accounts, financial institutions, creditors, payments, etc.);

 

• Information required to verify accuracy with credit reporting agencies such as Equifax;

 

• Payment information (billing address, proof of payment, etc.);

 

• Technical information collected when visiting our website (IP address, browser, pages viewed, cookies, etc.).

 

If you provide personal information about another person, you must have obtained their prior consent before providing it to us.

 

Our services are not intended for individuals under the age of 18. No information concerning a minor must be provided without the consent of a parent or legal guardian.

 

 

2. Use of Personal Information

 

Your personal information is used solely for the purposes for which it was collected, including to:

 

• Analyze and verify the accuracy of your credit files;
• Identify errors or inconsistencies appearing in credit reports issued by Equifax;
• Take the necessary steps to correct your credit file, with your consent;
• Communicate with you regarding the progress of your file and our services;
• Manage billing, payments, and client record keeping;
• Comply with our legal and regulatory obligations;
• Improve the quality of our services and our website.

 

We do not collect or use your personal information for purposes other than those mentioned above, unless permitted or required by law, or with your express consent.

 

 

3. Disclosure of Personal Information

 

The Bureau Canadien du Crédit undertakes not to disclose your personal information to third parties without your consent, except in the following cases:

 

• To credit bureaus (such as Equifax or TransUnion) as part of the verification and correction process of your information;
• To partners or service providers (e.g., IT services, accounting, data hosting) when necessary for the delivery of our services;
• To legal or regulatory authorities, if required by law.

 

When third parties have access to your information, we require by contract that they comply with equivalent confidentiality and security standards.

 

 

4. Retention and Destruction of Personal Information

 

We retain your personal information for a minimum period of five (5) years or in accordance with legal requirements. Once this period has elapsed, the data is securely destroyed or anonymized. Your information is stored on servers located in Canada. 

 

 

5. Your Rights

 

In accordance with applicable laws, you have the following rights:

 

• Access the personal information we hold about you;
• Request the correction of incomplete, inaccurate, or erroneous information;
• Request the deletion of your personal information, where permitted by law;
• Withdraw your consent to the use or disclosure of your data, subject to our legal obligations.

 

 

6. Security of Personal Information

 

The Bureau Canadien du Crédit applies rigorous physical, technological, and administrative measures to ensure the security and confidentiality of your personal information, including:

 

• Restricted access to our offices and computer systems;
• Secure data transmission (encryption, firewalls, strong passwords);
• Staff training on personal information protection;
• Ongoing monitoring and regular updating of our security systems.

 

 

7. Contact Us

 

For any questions, complaints, or requests relating to this Policy or the management of your personal information, please contact:

 

Person Responsible for the Protection of Personal Information

Bureau Canadien du Crédit

102-6385 3^e Avenue East, Quebec, G1H 3K9

Info@bucc.ca

1 888 401-3781

 

 

8. Changes to the Policy

 

The Bureau Canadien du Crédit reserves the right to modify this Policy at any time and without prior notice. Any update will be published on our website, along with the effective date.

We invite you to consult this page regularly to remain informed about how we protect your personal information.

 

 

Last updated: November 2025