Toyota Credit Canada Inc.
Toyota Credit Canada Inc. ("TCCI" or “we”, “us”, “our”) operates throughout Canada under the business name of "Toyota Financial Services”. TCCI is the financial services provider to the Distributor (defined below).
This Privacy Policy
As a provider of financial services, the collection, use, and disclosure of your personal information is very important to our day-to-day business operations. The purpose of this Privacy Policy ("Privacy Policy") is to inform you of the specific types of personal information we collect, why we collect it, how it is used, how it is disclosed and how you may correct errors in your personal information collected by us.
In this Privacy Policy, the “Distributor” is the Canadian distributor of the vehicle for which you are applying for credit or for which you have entered a finance or lease agreement and the “Dealer” is the Distributor’s authorized dealership through whom you are applying for credit or through whom you have leased or financed your vehicle.
This Privacy Policy applies to information we collect, use, or disclose about our customers, including information you provide:
- When you submit your credit application (the “Application”).
- When you enter into a finance or lease agreement with us (the “Agreement”).
- On or through portal.toyotafinancial.ca (the “Portal”).
- In email, text, and other electronic messages between you and us.
The Portal may include links to third-party websites, plug-ins, services, or applications. Clicking on those links or enabling those connections may allow the third party to collect or share data about you. If you follow a link to a third-party website or engage a third-party plugin, please note that these third parties have their own privacy policies and we do not accept any responsibility or liability for these policies. We do not control these third-party websites, and we encourage you to read the privacy policy of every website you visit.
We understand the importance of your personal information and take pride in our commitment to maintaining its confidentiality. We ensure that your personal information is collected, used and disclosed only in the manner in which you have consented. Our organization ensures that we meet or exceed the requirements of all laws and regulations applicable in Canada.
Please read this policy carefully to understand our policies and practices for collecting, processing, and storing your information. If you do not agree with our policies and practices, your choice is to not provide information to TCCI or not use the Portal.
What is "Personal Information"?
"Personal information" is any personally identifiable information about you, which may include, but is not limited to, your name, mailing address, credit history, credit card number, banking information and voice recordings as well as the terms of your financing and lease agreements (as applicable). It does not include aggregated information that does not allow you to be directly identified.
How Do We Collect Personal Information?
When you finance or lease a vehicle through us, we will collect the personal information you provide to us in your credit application.
Your personal information is also collected when you enter into a finance or lease agreement with us, and when you provide documents, including banking or insurance documents, necessary for the administration of your finance or lease agreement with us.
We may also collect information during our interactions with you for our mutual protection including, monitoring or recording your telephone discussions with our representatives for servicing accuracy, quality assurance and/or for training purposes. We may also collect your personal information from third parties including, but not limited to, third parties referenced on your credit application and other credit providers or credit bureaus, however, your consent will have always been obtained prior to any third parties being approached. For example, when you have given us your consent to contact your references or your employer by providing us with their contact information on your credit application.
When you access and use the Portal, we use different methods to collect your personal information, including through:
- Direct interactions with you when you provide personal information to us, for example, by filling in forms, uploading documents, or corresponding with us by phone, email, or otherwise.
- Automated technologies or interactions, as you navigate through the Portal. Information collected automatically may include usage details, IP addresses, and information collected through cookies and other tracking technologies.
The information we collect directly from you on or through the Portal may include:
- Information that you provide by filling in forms or uploading documents on our Portal. This includes information provided at the time of registering to use our Portal, or when requesting further services. We may also ask you for information when you report a problem with our Portal.
- Records and copies of your correspondence (including email addresses), if you contact us by correspondence.
- Your responses to surveys that we might ask you to complete for research purposes.
- Details of the transactions you carry out through our Portal, such as updating your account information, and our fulfillment of your request. You may be required to provide financial information before placing a request through our Portal.
- Your search queries on the Portal.
Information We Collect Through Cookies
We use cookies to analyze traffic on the Portal and to make improvements to the Portal in order to create the best possible experience for users. We also share information about your use of the Portal on an anonymous basis with our analytics partners (including advertisers, ad networks and servers, content providers, and application providers) who may combine it with other information that you’ve provided to them or that they have collected from your use of their services. By continuing to use the Portal, you consent to our use of cookies.
How is Your Personal Information Used and Disclosed?
We may use and share your Application and Agreement personal information with the Distributor, your Dealer and the third parties described below, for the following purposes:
- To help us evaluate your credit application to finance or lease a vehicle through us.
- To credit bureaus, consumer reporting agencies and other credit providers for the purpose of evaluating your credit application and confirming, verifying and updating any information (including but not limited to, your account balance and payment record) provided to us regarding your credit application or your finance or lease agreement.
- To the Dealer for the purpose of assessing your credit application and/or informing them of our decision on your credit application.
- To help us detect and prevent fraud.
- To third party service providers for the purpose of detecting and preventing fraud.
- Account administration, including collection of overdue accounts, audit and archival purposes.
- To third party service providers for the purpose of collecting on an overdue account, for registering our security interest on your vehicle and to confirm that valid insurance has been purchased for your vehicle.
- To third party service providers that, only in accordance with our instructions to them and only on our behalf, provide us with analytics in relation to information that includes your personal information to help us meet our internal and external financial reporting requirements (e.g., preparing financial statements, run periodic volume reports, and analyze the profitability of previous transactions), keep visibility over our fleet of leased vehicles and plan their return to us, and to better understand our customers and personalize our products and services to your needs.
- Third party service providers for the administration of optional products and services that you have purchased.
- To a third party in connection with a transfer or assignment by us of our interest in your lease or finance agreement, including securitization transactions.
- To include you in any advertising or marketing campaigns in which we alone or, together with the Distributor and its dealers, offer you our or their products and/or services. To respond to your requests for products, services or information, and improve our services, information and products, including asking you to reply to customer surveys. To better understand your automotive needs and to increase your awareness of the Distributor’s brand of products and services and the goodwill associated with our businesses.
We use personal information that we collect about you or that you provide to us on or through the Portal, for the following purposes:
- To present our Portal and its contents to you.
- To provide you with information, products, or services that you request from us.
- To fulfill the purposes for which you provided the information or that were described when it was collected, or any other purpose for which you provide it.
- To provide you with notices about your account.
- To carry out our obligations and enforce our rights arising from any contracts with you, including for billing and collection or to comply with legal requirements.
- To notify you about changes to our Portal or any products or services we offer or provide to you.
- To improve our Portal, products or services, marketing, or customer relationships and experiences.
- In any other way we may describe when you provide the information.
- For any other purpose with your consent.
We may also use your information to contact you about our own and third-parties' goods and services that may be of interest to you, as permitted by law. If you do not want us to use your information in this way, please use the unsubscribe mechanism at the bottom of our marketing e-mails or contact us by telephone at Dial and Call1-888-TOYOTA-8.
We may share personal information that we collect or you provide through the Portal as described below:
- To your Dealer for the purposes of updating your contact information in the Dealer’s records.
- To the Distributor for the purpose of including you in any advertising or marketing campaigns in which we alone or, together with the Distributor and its dealers, offer you our or their products and/or services.
- To third party service providers for the purpose of: (1) collecting on an overdue account, for registering our security interest on your vehicle and to confirm that valid insurance has been purchased for your vehicle; (2) account administration, including collection of overdue accounts, audit and archival purposes; (3) the administration of optional products and services that you have purchased; (4) responding to your requests for products, services or information, and improving our services, information and products, including asking you to reply to customer surveys; and (5) better understanding your automotive needs and to increase your awareness of the Distributor’s brand of products and services and the goodwill associated with our businesses.
- To a third party in connection with a transfer or assignment by us of our interest in your lease or finance agreement, including securitization transactions.
- To fulfill the purpose for which you provide it.
- For any other purpose disclosed by us when you provide the information.
- With your consent.
We may also share your personal information:
- To comply with any court order, law, or legal process, including to respond to any government or regulatory request, in accordance with applicable law.
- To enforce or apply the Portal’s Legal Terms and Conditions (available at portal.toyotafinancial.ca ) and other agreements, including for billing and collection purposes.
- If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of TCCI, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.
Your Consent
We will only collect, use and disclose your personal information with your consent.
Your consent may be given expressly or implied, depending on the circumstances and the sensitivity of the information. In connection with your Application(s) and Agreement(s) you will be asked to consent expressly to our collection of personal information for the purposes identified herein. Additionally, you will be asked to consent expressly to any collection of personal information about you that is particularly sensitive, such as information about your credit history and social insurance number. In other cases, your consent is understood, such as when you respond to a customer satisfaction survey, register for updates on this Portal or speak with our representatives after having been notified that the call may be recorded.
Customers who prefer not to have their calls recorded can conduct their business with us in writing or you can immediately advise the Customer Service representative that you do not wish to be recorded and we will ensure that procedures are activated to comply with your request.
You may notify us that you do not wish us to use your personal information for any purposes that are not required to supply you with a product or service at any time by contacting us in any of the ways described below under the heading "How You Can Review and Update Your Personal Information". We will seek your further consent to any additional uses of personal information for which we have not obtained your consent previously.
Subject to legal and contractual restrictions, you may at any time withdraw or change your consent to our use or disclosure of your personal information, or request us to delete it from our files. However, if you do not provide personal information required to supply a product or service or withdraw or change your consent, we may not be able to provide that product or service. Notwithstanding any withdrawal of consent, we may retain and use your information for account administration purposes, including collection of any amounts you owe us.
Our services do not address anyone under the age of 16 (“child” or “children”). We do not knowingly collect personal information from children. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us. If we become aware that we have collected personal information from children without verification of parental consent, we take steps to remove that information from our systems.
With Whom is Your Personal Information Shared?
We may share your personal information with the Distributor, the Dealer and with other third parties, as described in this section and above in the section called “How is Your Personal Information Used and Disclosed?” for the purposes described therein. We will not disclose any of your personal information to any other persons except with your prior express consent, or in connection with a sale of all or substantially all of the assets of one of our businesses, or as may be required or permitted by law.
Your personal information may be transferred to third party service providers that we use to assist in managing and processing your personal information. Our third party service providers are required to use, maintain and disclose your personal information only in accordance with our instructions to them and only on our behalf.
We will also share your information with our joint-marketing partners who may provide you with information about their products and services. You will be provided with an opportunity to opt-out of communications with our joint-marketing partners.
Does TCCI Transfer Information Outside of Your Jurisdiction?
The personal information that you provide to TCCI may be transferred outside of Canada (and for Quebec customers, outside of Quebec) for storage and processing. TCCI uses service providers that store and process your personal information on servers located in Canada, the United States and Ireland. When TCCI uses service providers to store and process your personal information, TCCI's policy is to have appropriate contractual provisions in place with those service providers limiting the purposes for which your personal information is being transferred to them and stipulating security requirements for that information. When required by applicable law, we conduct privacy impact assessments to assess the risk associated with transferring personal information outside of Canada (or outside of Quebec, as applicable). Please note that the privacy laws in other jurisdictions may differ from Canadian privacy laws and in some jurisdictions your personal information may be accessed by law enforcement authorities or the courts. If you have any questions regarding our policies and practices relating to storage and processing of personal information outside of Canada, please contact us in any of the ways described below under "How You Can Review and Update Your Personal Information".
How Long Do We Retain Your Personal information?
We retain your personal information as long as is required for the purposes identified when you provided the personal information and for any new purposes identified by us and consented to by you, and for an appropriate time thereafter. We then delete the personal information or anonymize it as described in the follow paragraph.
Under some circumstances we may anonymize, pseudonymise, or de-identify your personal information so that it can no longer be associated with you. We reserve the right to use such anonymous, pseudonymous, or de-identified data for any serious and legitimate business purpose without further notice to you or your consent.
How Do We Protect Your Personal Information?
We protect your personal information using security systems appropriate to the sensitivity of the information. In our ongoing effort to safeguard your personal information from unauthorized collection, use or disclosure, we have put in place a number of safeguards including; contractual, organizational, structural and technological security standards.
Your Rights Regarding Your Personal Information
You have the following rights with respect to the personal information that we hold about you:
- you may access and review any of your personal information held in our files and your consent regarding its use and disclosure at any time, and you may obtain a copy of such personal information;
- you may ask us to correct any personal information that we hold about you that is inaccurate, incomplete or equivocal; and
- you may withdraw your consent as described above under “Your Consent”.
Please note, we rely primarily on you to provide us with your most complete, accurate and up-to-date personal information and to inform us of any changes to your personal information.
If you are a Quebec customer, you may also ask that we cease disseminating personal information about you in certain circumstances provided by applicable law.
For any inquiry related to your rights described in this section or this Privacy Policy, please contact us as follows:
Customer Service Manager
Toyota Credit Canada Inc.
80 Micro Court, Suite 200
Markham, Ontario
L3R 9Z5
or by telephone: Dial and Call 1-888-TOYOTA-8
If you have any questions or concerns regarding our privacy policy and procedures, including with respect to your right to access or rectify your personal information, or to withdraw your consent, please contact the Privacy Officer at [email protected] or using the address provided below:
Privacy Officer
Toyota Credit Canada Inc.
80 Micro Court, Suite 200
Markham, Ontario
L3R 9Z5
Will this Privacy Policy Change?
We reserve the right, at any time, to modify this Privacy Policy at our sole discretion, and you agree to be bound by any such modifications, which shall be effective immediately upon our posting the revised Privacy Policy on our web site or the Portal.
POSTED: September 22, 2023
