Your privacy is our concern

Mobile Privacy Policy

At Money Mart^® (together with its subsidiaries and affiliates, the “Company”, “we”, “us” or “our”), we are committed to protecting your privacy and safeguarding the personal information you have entrusted with us.

This Privacy Policy applies to all of Money Mart’s dealings with its prospective, current, and former customers and their representatives. The policy forms a part of each Money Mart product or service agreement and, if there is a conflict between them, this policy governs.

Depending on the product or service you use, we may provide additional information about how we use information about you in relation to that specific product or service. For example, our Mobile Privacy Policy provides privacy details relating to the use of our mobile application.

Personal Information is any information about an identifiable individual. It may include an individual's name, age, date of birth, home address, social insurance number, marital status, income, account number, client identification number, telephone number, personal email address and messages, and Internet Protocol (IP) address.

Personal Information does not include business contact information used solely for work-related communication, or data that has been aggregated or anonymized.

Types of Information

The types of personal information we collect, use, and/or disclose will depend on your interactions with us and the products and services involved. Over the course of your interactions with us and on an ongoing basis, as needed, the types of information we may collect include:

Name, address (current and previous)
Contact information (telephone numbers, email addresses)
Date of birth
Tax identification number (e.g., social insurance number)
Identity documents (e.g. driver’s license)
Account numbers, credit/debit card numbers

Usernames
Passwords
Technical Device Details, such as manufacturer, device brand, and device model

Photographs used to extract biometric identifiers (i.e., selfies, in connection with the ID verification service provided through our partner, Plaid), biometric templates to enable facial recognition technology for authentication purposes
Fingerprint and facial biometric recognition information processed on-device using non-personalized models within a trusted execution environment (e.g., Apple’s Secure Enclave for Face ID or Android’s Trusted Execution Environment for fingerprint recognition)

We do not collect, use or otherwise process biometric information from residents of Quebec.

Information related to your transactions with us and through us with other financial institutions (including call recordings)
Information about your personal property
Information about your products and services (considered, applied for, or obtained)
Financial and bank information including your credit score, and information about your income, expenses, financial assets and financial liabilities

Occupation, titles/positions, employers, companies you own, places of employment or business, and type of income (e.g., hourly, salary or self-employed)

Information regarding your interactions with the Money Mart website or mobile application (including browse and search history)
Information regarding your interactions with Money Mart advertisements

Photographs
Video surveillance footage at our stores
Other types of personal information as legally required and/or disclosed to you from time to time

The information we collect about you may come from your direct interactions with us or indirectly from a variety of other sources. The sources used to collect information about you will depend on your interactions with us and the products and services involved.

Examples of your direct interactions with us from which we may collect information include when you:

Explore products or services you are interested in or are eligible for
Apply for a product or service
Communicate, interact or transact with us or through us (including email, telephone calls or chats)
Use Money Mart’s websites, applications, and channels
Register, log into or update settings on your account through our websites or applications
Sign up for marketing communications, special offers, enter contests, or complete surveys

Other sources from which we may collect financial and other information about you includes:

Money Mart may obtain additional information about you from credit reporting agencies when:

You apply for a credit product, or
On an ongoing basis for a reasonable period thereafter to help assess your creditworthiness and eligibility for our credit products.

The information we obtain from credit reporting agencies may include the types and amounts of credit advanced to you, payment histories, collection actions, legal proceedings, previous bankruptcies, and other information reported by your creditors.

If you hold one of our credit products, we may exchange information and reports about you with credit reporting agencies on an ongoing basis in order to verify your credit worthiness, assess and manage our credit risks, establish credit limits, qualify you for other products and services, present you with tailored information, recommendations and offers, verify your identity, and detect or prevent fraud.

Other financial services providers

If you choose to fund your account or link a bank account through one of our third-party partners, such as Flinks, we may collect financial information from your linked accounts. This includes identity and transaction data from all accessible accounts (e.g., chequing, savings, and credit cards) using the credentials you provide. This information may be collected at the time of your credit application and on an ongoing basis to assess your creditworthiness and eligibility for our credit products. We may also use Flinks to verify certain personal details, such as your mailing address.

We may also periodically access enriched data from Flinks Enrichment Service in the form of additional insights into your financial profile and consumer behavior. Note that Flinks' service providers use the data solely to deliver the Flinks Enrichment Service and do not resell or share it with third parties. Depending on your product and the programs you have agreed to participate in, this data may include the following:

Account Information, including financial institution name, account name, and account type, and
Information about an account balance, including current and available balance.

We collect information that is generated through your actions when you use our mobile application or browse our website, such as your transactions, interactions with our product pages, and your interests and preferences, as well as statistics regarding your use of our services, by using the following tools and information:

Cookies and Similar Technologies

We use cookies to ensure our website functions properly and to enhance your online experience by understanding your preferences and providing personalized content. Some cookies are essential for the operation of our website, while others can be managed through your browser settings.

Money Mart also uses cookies for online behavioral advertising, including interest-based ads tailored to your interests. These advertising cookies are not used on the instacheques.ca website for Quebec residents.

These cookies are necessary for the website to function and cannot be switched off in our systems. They are usually only set in response to actions by you which amount to a request for services, such as setting your privacy preferences, logging in, or filling in forms.

These cookies help us to understand how visitors engage with the website. We may use a set of cookies to collect information and report site usage statistics. In addition to reporting site usage statistics, data collected may also be used, together with some of the advertising cookies described, to help show more relevant ads across the web and to measure interactions with the ads we show. You may opt out of these types of cookies by using the radial button available on our website under the Cookie Preferences link.

We use cookies to make our ads more engaging and valuable to site visitors. Some common applications of cookies are to select advertising based on what is relevant to a user; to improve reporting on ad campaign performance; and to avoid showing ads the user has already seen. You may opt out of these types of cookies by using the radial button available on our website under the Cookie Preferences link.

We use a set of cookies that are optional for the website to function. They are usually only set in response to information provided to the website to personalize and optimize your experience as well as remember your chat history. You may opt out of these types of cookies by using the radial button available on our website under the Cookie Preferences link.

We use your personal information to provide products and services to you, and to fulfill our obligations to you.

We may use your personal information to do the following things:

Providing Products & Services

Verify your identity (we may use third parties to verify your identity)
Determine your eligibility for products, services or coverages
Obtain credit information and credit reports from credit agencies to assess credit history, credit worthiness and accuracy of information provided by you
Complete an application or communicate with you regarding an application (including responding to inquiries)
Evaluate and process your application, accounts, transactions and reports
Manage and administer your account – including products and services you may have with us
Provide services to you for products and services you hold with us, including completing transactions
Communicate with you (by email, phone, mail, fax, chat or other means), including responding to inquiries
Determine your eligibility for additional products or services that may meet your needs, including personalizing offers

Operational

Record, track, analyze and respond to customer feedback and complaints
Train staff and confirm our discussions with you
Develop, manage and market products and services to meet customer needs
Help manage our risks and operations including risk of default
Collect a debt or enforce an obligation owed by you
Protect customer and employee safety, and protect against theft, property damage in and around physical premises
Conduct research and analysis, including to produce data analytics and reports and better understand our customers and website/application users
Assign or sell your account or amounts owing by you to a third party
Improve our websites or applications to make them easier to use

Legal & Compliance

Help detect, prevent, investigate and address fraud and crime
Safeguard the security of personal information
Establish, exercise or defend legal claims or proceedings
Investigate an anticipated breach of agreement or contravention of law
Comply with applicable laws and regulations, industry rules, policies and requirements of regulators, including self-regulatory organizations

We may also use your personal information in other ways as required or permitted by law or with your consent.

Automated Decision Making

Money Mart may use automated decision-making systems to process your personal information. We may rely on decisions made by these automated systems for the following purposes:

To provide our products or services to you (e.g. verifying your identity, assessing your creditworthiness)
For fraud detection or prevention purposes
To improve our management of risk

These processes analyze financial behavior, transaction history, and other relevant data to provide faster and more accurate decisions. If an automated decision significantly affects you, such as a loan denial, you have the right to request a manual review of the decision. To initiate a review, please reach out to our Privacy Officer, using the information provided at the end of this policy.

Money Mart may also use artificial intelligence (AI) and machine learning to evaluate and assess your personal information.

Marketing Communications

You may select your preferred method of receiving marketing communications from us—by postal mail, email, or telephone—or choose not to receive such communications at all. Should you opt out, we will honor your preference. We will still contact you regarding the administration of your account, to fulfill your requests, or to manage any promotions or programs in which you have chosen to participate.

Social Insurance Number

If you choose to provide your SIN to Money Mart, your SIN may be used for identification, records management, fraud prevention, or for facilitating credit checks. You are not required to provide your SIN to Money Mart to apply for a loan.

Third Party Service Providers

We may transfer your personal information to one or more third party services providers who provide various services on our behalf, such as identity verification, technology, administration, printing, marketing and advertising, hosting, data analysis, legal, and accounting services.

Types of third party services providers we may engage include:

Credit reporting agencies
Physical storage service providers
Government and regulatory agencies and courts
Marketing service providers
Professional advisors (ex. lawyers, accountants, consultants, auditors)
Technology service providers
Communications service providers
Operational service providers

Our third party service providers and other organizations may be located outside of your province of residence or Canada. Therefore, your personal information may be collected, used, disclosed, and stored outside your province of residence or outside Canada, and may be subject to access by law enforcement or regulatory authorities in those local jurisdictions.

We require all third-party service providers to comply with data protection laws and contractual safeguards, ensuring your information is only used for the purposes stated. These providers do not resell or share your data with unauthorized third parties.

Flinks & Plaid

Flinks is a financial data aggregation service that allows users to connect their bank accounts to various financial applications. Should you use Flinks’ automatic financial account linking, your account data may be shared with Flinks in accordance with their privacy policies.

We use Plaid to assist us with identity verification. Plaid may review the personal information on documentation you provide to us to confirm its authenticity, or may compare your information in our control with information about you from other sources (e.g. credit reporting agencies, utility service providers) to confirm your identity when creating or logging into your account. Plaid is also a biometric ID verification provider which can be used to confirm the authenticity of photo identification documents provided to us, and to verify the identity of new clients.

Data shared with Flinks and Plaid is retained only as long as necessary for them to provide their services, after which point it is securely deleted in accordance with their privacy policies. Users can manage or revoke consent by visiting their account settings or contacting the provider directly.

Business Transactions

If we enter into a business transaction involving personal information or are considering one, such as selling assets, we may share personal information securely with the other parties to the transaction, for example, as part of due diligence or when we complete the transaction. Accordingly, we may transfer information we have about you in connection with a prospective or completed merger or sale (including transfers made as part of insolvency or bankruptcy proceedings) involving all or part of Money Mart or as part of financing, a corporate reorganization or stock sale, or other change in corporate control, including for the purpose of determining whether to proceed or continue with such transaction or business relationship.

Legal

We and our third party service providers may provide your personal information in response to a search warrant or other legally valid inquiry or order, or to another organization for the purposes of investigating a breach of an agreement or contravention of law. This may include lawful access requests by Canadian or foreign courts, law enforcement, or governmental authorities for the purposes of detecting, suppressing or preventing fraud, or as otherwise required or permitted by applicable Canadian or other law. We may also disclose personal information where necessary for the establishment, exercise, or defense of legal claims and to investigate or prevent actual or suspected loss or harm to persons or property.

Cross Border

To provide our products or services, we may transfer your information outside your province, territory, or Canada. These regions may have different data protection laws. Regardless of where your information is processed, we protect it as described in this privacy policy, following applicable laws and using appropriate contractual safeguards. We also evaluate whether additional technical and organizational measures are needed. However, governments, courts, or law enforcement in those regions may access your information under their local laws.

We take physical, technical, and administrative security measures to protect against unauthorized access to, or alteration of, your personal information throughout the information life cycle. These measures include physical and technological safeguards, and appropriate access controls to data and facilities.

We endeavour to retain your personal information for as long as required to fulfill the purposes outlined in this policy or as required by law, regulation or for the purposes of litigation or regulatory investigations. When such period expires, we take measures to securely delete or anonymize personal information.

Unfortunately, no data transmission over the Internet or any wireless network or device can be guaranteed to be fully secure. As a result, while we strive to protect your personal information, you acknowledge that: (a) there are security and privacy limitations inherent to the Internet which are beyond our control; and (b) the security, integrity, and privacy of any and all information and data exchanged between you and Money Mart through the Money Mart website cannot be guaranteed.

You have the right to access, update, and correct your personal information in Money Mart’s custody and control, subject to certain exceptions prescribed by law, and may do so directly or through an agent. You may review and update certain profile information you have provided to us by logging into your account on the mobile application and clicking “Profile,” then “Privacy Settings.” On our website, you may do this by visiting the “Privacy and Data” section after logging into your account. Otherwise, if you wish to request access to, update, or correct any inaccuracies in your personal information held in our possession or control, you may send a written request to that effect using our contact information below. We may request additional personal information from you to verify your identity as we strive to ensure your personal information is not sent to a third-party requestor. Requests will be processed within 30 days, subject to verification of your identity. If additional time is required, we will notify you within this timeframe.

Money Mart welcomes your questions, comments, or complaints regarding this Privacy Policy or about our privacy practices based on your interactions with us. Please feel free to reach out to our Privacy Officer at:

Privacy Officer
National Money Mart Company
20 Toronto St., Suite 1220
Toronto ON, M5C 2B8
Email: PrivacyOfficer@moneymart.ca

We may update this Privacy Policy from time to time. Our updated Privacy Policy will be posted on our website and mobile application and will take effect immediately upon posting. By continuing to use our products, services, websites or application after any updates, you indicate you accept this revised Privacy Policy.

^*Money Mart^® is a registered business name and word mark of National Money Mart Company.

Last Update: October 15, 2025

Mobile Privacy Policy