Privacy Policy  


Last updated: January 10, 2018


Lendr Inc. ("us", "we", or "our") operates the website and the

Lendr mobile application (the "Service").


Personal Information Collect, Use, Disclosure and Consent  



Personal Information may include your name, email address, age, home address,

phone number, marital status, income, credit history, medical information,

education, employment information and social registration numbers.


We are committed to providing our clients, customers, members ("you", "your"

or "them") with exceptional service. Providing exceptional service may involve

the collection, use and, at times, the disclosure of your Personal

Information. Protecting your Personal Information is one of our highest

priorities. While we have always respected your privacy and safeguarded all

Personal Information, we have strengthened our commitment to this goal. This

is to continue to provide exceptional service to you and to comply with all

laws regarding the collection, use and disclosure of Personal Information. We

will inform you of why and how we collect, use and disclose Personal

Information; obtain your consent, as required; and handle Personal Information

according to applicable law. Our privacy commitment includes ensuring the

accuracy, confidentiality, and security of your Personal Information and

allowing you to request access to, and correction of, your personal



This page informs you of our policies regarding the collection, use and

disclosure of Personal Information when you use our Service.


We will not use or share your information with anyone except as described in

this Privacy Policy.


We will only collect Personal Information that is necessary to fulfill the

following purposes:


 * To verify identity;


 * To identify your preferences;


 * To open and manage an account;


 * To ensure you and other users receive a high standard of service;


 * To meet regulatory requirements;


 * Other legal reasons as apply to the goods and services requested.


We will obtain your consent to collect, use or disclose Personal Information.

In some cases, we can do so without your consent (see below). You can provide

consent orally, in writing, electronically or through an authorized



You provide implied consent where our purpose for collecting using or

disclosing your Personal Information would be considered obvious or reasonable

in the circumstances. Consent may also be implied where you have notice and a

reasonable opportunity to opt-out of having your Personal Information used for

mail-outs, marketing or fundraising and you do not opt-out.


We may collect, use or disclose Personal Information without the consent:


 * When permitted or required by law;


 * In an emergency that threatens an individual's life, health, or personal



 * When the Personal Information is available from a public source;


 * When we require legal advice from a lawyer;


 * For the purposes of collecting a debt or protection from fraud;


 * Other legally established reasons.


We may sell your Personal Information to other parties.

We retain your Personal Information for the time

necessary to fulfill the identified purposes or a legal or business purpose.

We will make reasonable efforts to ensure that your Personal Information is

accurate and complete. You may request correction to your Personal Information

to ensure its accuracy and completeness. A request must be in writing and

provide sufficient detail to identify your Personal Information and the

correction being sought.


We may disclose your Personal Information in the case of any disputes regarding

the damage or theft of another user’s personal possessions to the necessary

authorities or individuals based on the discretion of Lendr Inc. in order to

attempt to resolve such dispute. This Personal Information includes but is not

limited to all personal activity and content that has been uploaded or conducted

on the Lendr mobile application.


We are committed to ensuring the security of your Personal Information and may

use passwords, encryption, firewalls, restricted employee access or other

methods, in our discretion. We will use appropriate security measures when

destroying your Personal Information such as shredding documents or deleting

electronically stored information, in our discretion.


Log Data  



We may also collect information that your browser sends whenever you visit our

Service or when you access the Service by or through a mobile device ("Log



This Log Data may include information such as your computer's Internet

Protocol ("IP") address, browser type, browser version, the pages of our

Service that you visit, the time and date of your visit, the time spent on

those pages and other statistics.


When you access the Service by or through a mobile device, this Log Data may

include information such as the type of mobile device you use, your mobile

device unique ID, the IP address of your mobile device, your mobile operating

system, the type of mobile Internet browser you use and other statistics.


In addition, we may use third party services that

collect, monitor and analyze this type of information in order to increase our

Service's functionality. These third party service providers have their own

privacy policies addressing how they use such information.


Location Information  



Subject to the provisions regarding the use of your Personal Information,

above, we may use and store information about your location. We use this

information for the purposes set out above, and specifically, to provide

features of our Service, to improve and customize our Service. You can enable

or disable location services when you use our Service at anytime, through your

mobile device settings.





Cookies are files with small amount of data, which may include an anonymous

unique identifier. Cookies are sent to your browser from a web site and stored

on your computer's hard drive.


We use "cookies" to collect information. You can instruct your browser to

refuse all cookies or to indicate when a cookie is being sent. However, if you

do not accept cookies, you may not be able to use some portions of our

Service. If you do not instruct your browser to refuse all cookies or to

indicate when a cookie is being sent, your consent to our use of your Personal

Information may be implied.


Behavioral Remarketing  



Lendr Inc. uses remarketing services to advertise on third party web sites to

you after you visited our Service. We, and our third party vendors, use

cookies to inform, optimize and serve ads based on your past visits to our

Service. In certain circumstances, your implied consent to our accessing,

using or disclosing may be provided if you do not instruct your web browser to

refuse all cookies or to indicate when a cookie is sent or if you do not opt

out of Google Analytics or other services, as indicated below.


 * Google


   Google AdWords remarketing service is provided by Google Inc.


   You can opt-out of Google Analytics for Display Advertising and customize

   the Google Display Network ads by visiting the Google Ads Settings page:



   Google also recommends installing the Google Analytics Opt-out Browser

   Add-on - <> \- for your web

   browser. Google Analytics Opt-out Browser Add-on provides visitors with

   the ability to prevent their data from being collected and used by Google



   For more information on the privacy practices of Google, please visit the

   Google Privacy &amp; Terms web page:



 * Twitter


   Twitter remarketing service is provided by Twitter Inc.


   You can opt-out from Twitter's interest-based ads by following their

   instructions: <>


   You can learn more about the privacy practices and policies of Twitter by

   visiting their Privacy Policy page: <>


 * Facebook


   Facebook remarketing service is provided by Facebook Inc.


   You can learn more about interest-based advertising from Facebook by

   visiting this page: <>


   To opt-out from Facebook's interest-based ads follow these instructions

   from Facebook: <>


   Facebook adheres to the Self-Regulatory Principles for Online Behavioral

   Advertising established by the Digital Advertising Alliance. You can also

   opt-out from Facebook and other participating companies through the

   Digital Advertising Alliance in the USA

   <>, the Digital Advertising Alliance of

   Canada in Canada <> or the European Interactive

   Digital Advertising Alliance in Europe <>,

   or opt-out using your mobile device settings.


   For more information on the privacy practices of Facebook, please visit

   Facebook's Data Policy: <>


 * Pinterest


   Pinterest remarketing service is provided by Pinterest Inc.


   You can opt-out from Pinterest's interest-based ads by enabling the "Do

   Not Track" functionality of your web browser or by following Pinterest

   instructions: <



   You can learn more about the privacy practices and policies of Pinterest

   by visiting their Privacy Policy page: <



Service Providers  



We may employ third party companies and individuals to facilitate our Service,

to provide the Service on our behalf, to perform Service-related services or

to assist us in analyzing how our Service is used.


These third parties have access to your Personal Information only to perform

these tasks on our behalf and are obligated not to disclose or use it for any

other purpose.





We may use your Personal Information to contact you with newsletters,

marketing or promotional materials and other information that may be of

interest to you. You may opt out of receiving any, or all, of these

communications from us by following the unsubscribe link or instructions

provided in any email we send or by contacting us.


Compliance With Laws  



As set out above, and for clarity, we will disclose your Personal Information

where required to do so by law or subpoena or if we believe that such action

is necessary to comply with the law and the reasonable requests of law

enforcement or to protect the security or integrity of our Service.


Business Transaction  



If Lendr Inc. is involved in a merger, acquisition or asset sale, your

Personal Information may be transferred. We will make reasonable efforts to

provide notice before your Personal Information is transferred and becomes

subject to a different Privacy Policy.





The security of your Personal Information is important to us, but remember

that no method of transmission over the Internet, or method of electronic

storage is 100% secure. While we strive to use commercially acceptable means

to protect your Personal Information, we cannot guarantee its absolute

security. Lendr Inc. will not be liable for loss or damage in the result of

unauthorized access to your registered account as you are solely responsible

for keeping your login credentials private.


International Transfer  



Your information, including Personal Information, may be transferred to — and

maintained on — computers located outside of your province, country or other

governmental jurisdiction where the data protection laws may differ than those

from your jurisdiction.


If you are located outside Canada and choose to provide information to us,

please note that we transfer the information, including Personal Information,

to Canada and process it there.


Your consent to this Privacy Policy followed by your submission of such

information represents your agreement to that transfer.


Links To Other Sites  



Our Service may contain links to other sites that are not operated by us. If

you click on a third party link, you will be directed to that third party's

site. We strongly advise you to review the Privacy Policy of every site you



We have no control over, and assume no responsibility for the content, privacy

policies or practices of any third party sites or services.


Children's Privacy  



Our Service does not address anyone under the age of 18 ("Minor").


We do not knowingly collect personally identifiable information from Minors.

If you are a parent or guardian and you are aware that your Minor has provided

us with Personal Information, please contact us. If we become aware that we

have collected Personal Information from Minors without verification of

parental consent, we take steps to remove that information from our servers.


Changes To This Privacy Policy  



We may update our Privacy Policy from time to time. We will notify you of any

changes by posting the new Privacy Policy on this page.


You are advised to review this Privacy Policy periodically for any changes.

Changes to this Privacy Policy are effective when they are posted on this



If we make any material changes to this Privacy Policy, we will notify you

either through the email address you have provided us, or by placing a

prominent notice on our website.


Contact Us  



If you have any questions about this Privacy Policy, please contact us through

our email and we will get back to you as soon as possible.


© 2017 - 2018 by NSD