1. Information We Collect

We collect personal identifiers necessary to facilitate your membership, including your full name, physical address, email address, and phone number. Additionally, we collect financial data (such as credit card statements) and government-issued identification documents required for mandatory Know Your Customer (KYC) verification.

2. How We Use Your Information

Your information is used strictly to:

• Verify your identity and maintain compliance with Canadian financial regulations.
• Monitor your credit habits and verify payoff goals.
• Calculate and distribute your Cashback Rewards.
• Provide you with access to the Credit OS™ Educational Portal.

3. Data Sharing and Disclosure

We share your information only with trusted third-party partners necessary for identity verification (KYC) and payment processing (Stripe/Interac). We do not sell, rent, or trade your personal data to third parties for marketing purposes.

4. Data Security

We implement robust industry-standard security measures and encryption to protect your data from unauthorized access, disclosure, alteration, or destruction. Your financial documents are stored in secure environments accessible only by authorized personnel.

5. Your Rights

You have the right to access, correct, or request the deletion of your personal data at any time. Please note that certain data retention may be required by law or to fulfill our contractual obligations under the Service Agreement.

6. Contact Us

If you have any questions or concerns about our privacy practices, please contact our data protection officer at privacy@merinoclubcapital.com.