Legal

Privacy Policy

Last updated: March 2026

Your privacy is important to Omni Loans Inc. ("Omni Loans", "we", "us" or "our"). This Privacy Policy explains how we collect, use, disclose, retain, and manage your Personal Information in connection with your access and use of our Products and Services, including information collected through our website, telephone calls, and when providing Products or Services.

1. Personal Information

"Personal Information" means information about an identifiable individual, such as name, email address, and financial details, but does not include information that is publicly available in a telephone directory or business contact information, to the extent permitted by law.

2. Your Consent

By providing us with your Personal Information, and/or by applying for or obtaining a Product or Service, you consent to the collection, use, disclosure and retention of that information in accordance with this Privacy Policy and as permitted by applicable law. You may withdraw your consent at any time by emailing support@omniloans.ca. If you do not provide certain Personal Information, you may not be able to proceed with your intended interactions or receive the full benefit of our Products and Services.

3. Information We Collect

The information we collect may include, but is not limited to:

•Name and current residential address

•Date of birth

•Phone numbers and email address

•Employment information and income details

•Banking information and transaction history

•Credit history, credit scores, and information from credit reporting agencies (Equifax, TransUnion)

•Information about assets, liabilities, and expenses

•Government-issued identification details

•Geo-location of your computer or mobile device

Information You Provide

You may voluntarily provide Personal Information when you interact with us, including when you apply for an Account, register to receive information, or apply for Products or Services. When you communicate with us, we may monitor and record telephone and chat conversations for accuracy, quality assurance, and compliance. You will be notified at the beginning of a call that it is being recorded.

Automated Collection

We may automatically collect information regarding your use of our Website, such as dates and times of access, browsers and devices used, IP address, operating system, and page interaction data. Our Website may use cookies, web beacons, pixels, and similar technologies to improve our Products and Services, communications, and advertising, and to prevent fraud. You may decline or disable cookies through your browser settings, but doing so may affect your ability to use certain features.

Financial Information

When you apply for certain Products or Services, we may collect information to determine your creditworthiness, such as income, employment history, and net worth. We may obtain your credit score via a soft and/or hard credit check from a credit reporting agency. Submitting an application does not affect your credit score. A full credit check is only performed if you choose to proceed with a loan offer.

Bank Information

When you use our bank verification system, we may retrieve your bank account information including transaction history. We will not store your banking login credentials — these are managed securely by our financial technology partners.

4. How We Use Your Information

We use your Personal Information for purposes including:

•Administering your relationship with us and providing Products and Services

•Processing your applications, requests, orders and payments

•Assessing your eligibility for Products and Services

•Verifying your identity for authentication and security purposes

•Communicating with you regarding your account and our services

•Providing information about our Products and Services and related offerings

•Maintaining, protecting and improving our Products and Services

•Complying with legal and regulatory obligations

•Protecting against fraud and unauthorized activities

•Conducting research and analytics to improve our services

5. How We Disclose Your Information

We disclose your Personal Information for purposes relating to your relationship and transactions with us. This may include disclosure to our service providers and suppliers to assist in providing Products and Services, to referred businesses to facilitate proposed transactions, and as required by applicable law. We may also disclose information to law enforcement if reasonably necessary for national security, law enforcement, or to protect our legal rights. We do not sell your Personal Information to third parties.

6. Interest-Based Advertising

We may use advertising services provided by third-party vendors (such as Google and Facebook) to display advertisements on third-party websites based on your past visits to our Website. You can opt out of Google's use of cookies by visiting Google's Ads Settings, or opt out of other vendors' cookies via the Network Advertising Initiative's consumer opt-out page.

7. Location of Personal Information

We and our service providers may process, store and use your Personal Information at facilities in Canada and potentially other countries. The privacy laws of those countries may differ from your jurisdiction. By providing your Personal Information, you consent to its transfer and processing at facilities in other countries.

8. Retention of Personal Information

We retain your Personal Information for the period reasonably necessary for the purposes referenced in this Privacy Policy and to comply with legal obligations. We will delete or dispose of your information when no longer reasonably required.

9. Protection of Personal Information

We use reasonable safeguards — including administrative, physical and technical security measures — appropriate to the sensitivity of the Personal Information to help protect it from unauthorized access, collection, use, disclosure, or disposal. However, security risks cannot be entirely eliminated and we cannot guarantee absolute security.

10. Your Rights

You may request access to your Personal Information collected by us, request corrections, or request deletion by contacting us. We will take appropriate steps to verify your identity before processing such requests. We may decline requests that are unreasonably repetitive, frivolous, or impracticable.

11. Non-Personal Information

We may create and collect non-personal information (information that does not identify you), including aggregated or depersonalized data. We may use, disclose, transfer and retain non-personal information for any purpose. If non-personal information is combined with Personal Information, we will treat the combined data as Personal Information.

12. Other Websites

Our Website may include links to websites operated by independent parties. We have no responsibility for those websites, their products or services, or their collection of your personal information. This Privacy Policy does not apply to those websites.

13. Changes to This Policy

We may change this Privacy Policy from time to time by posting a new version on our Website. Your continued use of our services after changes constitutes consent to the updated policy.

14. Contact

If you have questions about this Privacy Policy or how we handle your data, please contact us:

Omni Loans Inc. — Privacy Officer
9625 Macleod Trail SW
Calgary, Alberta T2J 0P6
Phone: 1-866-530-3646
Email: support@omniloans.ca

15. Withdraw Consent

You may refuse to let Omni Loans use or collect your Personal Information or withdraw your consent by emailing support@omniloans.ca.