Ketchup Your Credit

Privacy Policy

Last Updated: April 14 2026

1. Introduction

Ketchup Your Credit (“we”, “us”, “our”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and protect personal information in connection with our website and services.

This Privacy Policy is intended to comply with the Personal Information Protection Act (British Columbia) (“PIPA”) and, where applicable, the Personal Information Protection and Electronic Documents Act (Canada) (“PIPEDA”).

By using our Site or providing personal information to us, you consent to the practices described in this Privacy Policy.

2. What Personal Information We Collect

The types of personal information we may collect include:

• Contact information: name, email address, phone number, city or province of residence.

• Vehicle and financing interests: type of vehicle you are interested in, preferred price range, basic financing preferences.

• Basic financial information you choose to provide: approximate income range, employment status, housing status, estimated monthly payments or debts.

• Information related to your use of our tools: inputs you enter into our debt repayment calculator and budget tools (for example, loan amount, interest rate, monthly expenses).

• Technical and usage information: IP address, browser type, device information, pages visited, time spent on the Site, referring URLs, and similar data collected through cookies or similar technologies.

We will limit the collection of personal information to what is reasonably necessary to fulfill the purposes identified in this Privacy Policy.

3. How We Collect Personal Information

We collect personal information in the following ways:

• Directly from you when you fill out forms on the Site, request that we connect you with a Dealer, use our Calculators, subscribe to communications, or otherwise interact with us.

• Automatically, through cookies, web beacons, logs, and similar technologies when you use the Site.

• From third‑party service providers that help us operate the Site (for example, analytics providers) in accordance with applicable law and their own privacy policies.

You may choose not to provide certain personal information, but this may limit your ability to use some features of the Site or to receive referrals to Dealers or Third‑Party Providers.

4. How We Use Personal Information

We use your personal information for the following purposes:

• To operate and provide the Site and its features, including our debt repayment calculator and budget tools.

• To process and forward your information to participating Dealers or Third‑Party Providers at your request, so they may contact you about potential financing or related products.

• To respond to your inquiries, requests, or feedback.

• To improve, monitor, and analyze the performance and usage of the Site, including troubleshooting and security.

• To send you information about our services, updates, or other communications that may be of interest to you, in accordance with applicable anti‑spam laws (such as Canada’s Anti‑Spam Legislation).

• To comply with legal and regulatory requirements and to protect our rights, property, and safety, and those of our users and others.

We will not use your personal information for purposes other than those identified above, except with your consent or as required or permitted by law.

5. How and When We Share Personal Information

We may disclose your personal information in the following circumstances:

1. With Dealers and Third‑Party Providers

   • When you submit a request or form on our Site indicating that you want to be contacted regarding financing or related products, we will share the relevant information you provide with one or more Dealers or Third‑Party Providers so they can contact you directly.

   • Once your information is shared with a Dealer or Third‑Party Provider, their use of your information is governed by their own privacy policies and practices, not this Privacy Policy.

2. With Service Providers

   • We may disclose personal information to trusted third‑party service providers who help us operate the Site, provide analytics, host data, or perform other functions for us.

   • These service providers are given access to personal information only as reasonably necessary to perform their services and are typically required to protect the information and not use it for any other purpose.

3. Legal, Regulatory, and Safety Requirements

   • We may disclose personal information if we are required or permitted to do so by applicable law, regulation, court order, or legal process.

   • We may also disclose personal information where we believe it is necessary to protect our rights, property, or safety, or the rights, property, or safety of our users or others.

4. Business Transactions

   • In the event of a prospective or completed business transaction involving Ketchup Your Credit, such as a merger, acquisition, sale of assets, or financing, personal information may be disclosed to the other parties to the transaction, subject to appropriate confidentiality protections and in accordance with applicable law.

We do not sell your personal information.

6. International Transfers

Our servers and service providers may be located outside British Columbia or Canada. As a result, your personal information may be transferred to and processed in other jurisdictions that may have different privacy laws than those in your home jurisdiction.

When we transfer personal information outside of British Columbia or Canada, we take reasonable steps to ensure that appropriate safeguards are in place to protect the information, in accordance with applicable law. However, your personal information may be subject to the laws of the foreign jurisdiction and may be accessible to courts, law enforcement, and national security authorities in that jurisdiction.

7. Cookies and Similar Technologies

We may use cookies, web beacons, and similar technologies to:

• Remember your preferences and settings.

• Understand how you use the Site and improve its performance.

• Compile statistics about Site usage and response rates.

You can usually set your browser to notify you when you receive a cookie or to refuse cookies altogether. If you disable cookies, some features of the Site may not function properly.

8. How We Protect Personal Information

We use reasonable physical, technical, and administrative safeguards designed to protect personal information against loss, theft, unauthorized access, disclosure, copying, use, or modification.

However, no method of transmission over the internet or method of electronic storage is completely secure. While we take reasonable steps to protect personal information, we cannot guarantee absolute security.

9. Retention of Personal Information

We retain personal information only as long as necessary to fulfill the purposes for which it was collected, to comply with legal or regulatory requirements, to resolve disputes, or to enforce our agreements.

When personal information is no longer required, we will take reasonable steps to destroy it or anonymize it in a secure manner, in accordance with applicable laws and our internal policies.

10. Your Rights and Choices

Subject to applicable law, you may have the right to:

• Request access to your personal information that we hold.

• Request correction of your personal information if it is inaccurate or incomplete.

• Withdraw your consent to our use or disclosure of your personal information, where consent is the legal basis for our processing (note that withdrawal of consent may affect your ability to use some features of the Site or receive referrals).

• Request information about our policies and practices relating to the management of personal information.

To exercise any of these rights, please contact us using the contact information in Section 12. We may require you to provide information to verify your identity before responding to your request. We may charge a reasonable fee where permitted by law, and will inform you of any fee in advance.

11. Children’s Privacy

The Site is not intended for use by children under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18 without appropriate consent, we will take reasonable steps to delete such information.

12. Contacting Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our handling of personal information, please contact:

Ketchup Your Credit
[Insert mailing address]
[Insert email address]
[Insert phone number]

You may also have the right to contact the Office of the Information and Privacy Commissioner for British Columbia or the Office of the Privacy Commissioner of Canada if you are not satisfied with our response to a privacy‑related concern.

13. Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or for other reasons. When we make changes, we will update the “Last Updated” date at the top of this Privacy Policy.

Your continued use of the Site after we post changes to this Privacy Policy means that you accept those changes. If you do not agree with the changes, you must stop using the Site.