Privacy Policy

Last updated: April 2026 | Effective date: April 2026

Revenoo ("we," "our," or "us") is committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our vehicle refinancing services. Please read this policy carefully. If you disagree with its terms, please discontinue use of the site.

1. Information We Collect

We collect information you voluntarily provide to us when you submit a quote request, contact us, or otherwise interact with our services. The personal information we may collect includes:

Full name and contact information (email address, phone number)
Province of residence
Vehicle information (year, make, model, mileage)
Existing loan details (lender name, approximate balance, monthly payment, interest rate)
Proof of income information
Canadian driver's licence number (when required to complete an application)
Credit-related information obtained through soft or hard credit inquiries (with your consent)

We also automatically collect certain technical information when you visit our website, including IP address, browser type, operating system, referring URLs, and pages visited. This information is collected through cookies and similar tracking technologies.

2. How We Use Your Information

We use the information we collect for the following purposes:

To process and respond to your vehicle refinancing quote requests
To match your profile with appropriate lenders in our network
To communicate with you about your application and available refinancing options
To verify your identity and assess your eligibility for refinancing products
To comply with applicable legal and regulatory requirements
To improve our website and services
To send you relevant information about our services (with your consent, where required)
To detect, prevent, and address fraud or security issues

3. Disclosure of Your Information

We may share your personal information in the following circumstances:

Lender Network: We share your information with lenders in our network for the purpose of obtaining refinancing offers on your behalf. These lenders are bound by their own privacy policies and applicable law.
Service Providers: We may share information with third-party vendors and service providers who perform services on our behalf (e.g., IT services, data analytics, customer support).
Legal Requirements: We may disclose your information where required by law, court order, or governmental authority.
Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

We do not sell your personal information to third parties for their own marketing purposes.

4. Credit Inquiries

Our initial application process uses a soft credit inquiry, which does not affect your credit score and is not visible to other lenders. A hard credit inquiry is only conducted with your explicit consent when you choose to proceed with a specific lender offer. We will clearly inform you before any hard inquiry is made.

5. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. Cookies are small data files stored on your device. 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, some portions of our website may not function properly.

We may use the following types of cookies:

Essential Cookies: Required for the website to function properly.
Analytics Cookies: Help us understand how visitors interact with our website.
Marketing Cookies: Used to deliver relevant advertisements (where applicable).

6. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our website uses SSL encryption for data transmission. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When your information is no longer needed, we will securely delete or anonymize it.

8. Your Rights Under PIPEDA

As a Canadian resident, you have rights under the Personal Information Protection and Electronic Documents Act (PIPEDA), including the right to:

Access the personal information we hold about you
Request correction of inaccurate or incomplete information
Withdraw consent to the collection, use, or disclosure of your information (subject to legal or contractual restrictions)
File a complaint with the Office of the Privacy Commissioner of Canada

To exercise any of these rights, please contact us using the information provided in Section 11 below.

9. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately.

10. Links to Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

11. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us at:

Email: [privacy@placeholder.ca]
Phone: [Phone Placeholder]
Mailing Address: [Address Placeholder], Canada

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by updating the "Last updated" date at the top of this page. We encourage you to review this policy periodically to stay informed about how we protect your information.