Last updated: October 2025
This Privacy Policy (“Policy”) describes how Credique Canada Inc. (“Credique,” “we,” “us,” or “our”) collects, uses, discloses, and protects your personal information when you visit https://www.identityprotect.ca or use any of our products and services (collectively, the “Services”). This Policy is an integral part of, and should be read together with, our Terms and Conditions.
Territorial Limitation. Our Services are offered to residents of Canada, excluding residents of the Province of Québec. By accessing or using the Site or Services, you represent and warrant that you are not a resident of Québec.
This Policy applies to personal information that we collect and Handle (collect, use, disclose, store, or otherwise process) in connection with the Services. By using our Services, you consent to the practices described in this Policy, subject to your rights under applicable law. You may withdraw consent at any time by contacting help@identityprotect.ca; withdrawal may limit or prevent delivery of certain Services.
“Personal information” means information about an identifiable individual, as defined under Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (“PIPEDA”) and substantially similar provincial laws applicable outside Québec. This Policy covers only personal information as defined by applicable law and does not apply to information that is not personal information under those laws.
Depending on how you use the Services, we may collect the following categories of personal information:
We use personal information to: provide and manage the Services; authenticate identity; conduct credit checks where a Service you request requires it; process payments and manage billing; send alerts and service communications; perform analytics and improve the Services; detect, prevent, and investigate fraud, abuse, or security issues; and comply with legal and regulatory obligations.
Personal information may be processed or stored outside Canada, including in the United States (e.g., by our Providers and cloud vendors). While abroad, it may be subject to foreign laws and accessed by courts, law enforcement, or national security authorities. We use contractual and organizational measures designed to protect personal information when transferred.
Subject to law, you may request access to and correction of your personal information, request deletion where permitted, and withdraw consent. We may request information to verify your identity and will respond within legal timelines. To submit a request, contact help@identityprotect.ca.
We implement reasonable administrative, technical, and physical safeguards (e.g., access controls, encryption in transit, network protections, and employee training) to protect personal information. No method of transmission or storage is completely secure; you are responsible for maintaining the security of your account credentials and device.
Where a Service you request requires it, you authorize us and our Providers to conduct credit checks to verify your credit information and eligibility.
We retain personal information for as long as necessary to provide Services, meet legal and regulatory obligations, and resolve disputes. Records of payment authorizations are retained for a minimum of 12 months in accordance with Payments Canada Rule H1.
We may update this Policy periodically. The “Last updated” date reflects the most recent revision. Continued use of the Services after changes take effect constitutes acceptance of the revised Policy.
This Policy and any disputes arising out of or related to it are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflicts of law principles.
If you have questions or concerns about this Policy or our privacy practices, contact us at help@identityprotect.ca. You also have the right to file a complaint with the Office of the Privacy Commissioner of Canada or, where applicable, your provincial privacy commissioner.