Privacy policy

Last updated: October 29, 2026

This policy explains how personal information is handled by AdvicePayday (advicepayday.com) and by the Micro Prêt request form (micro-pret.ca), under Québec’s Act respecting the protection of personal information in the private sector as amended by Law 25, and the federal Personal Information Protection and Electronic Documents Act (PIPEDA).

1. Privacy officer

Person in charge of the protection of personal information (Responsable de la protection des renseignements personnels): [à compléter]
Email: [à compléter] · Address: [à compléter]

2. Information collected on advicepayday.com

This is an information site. It has no loan application form and uses no tracking cookies. Our host may keep technical logs (IP address, browser, page visited) for security. If we add audience measurement, it will be a cookieless tool and this policy will be updated.

3. Information collected when you apply

On micro-pret.ca you may provide identity and contact details, date of birth, address, employment and income, banking information needed for verification, and the amount requested.

4. Purposes

• Process your request and share it with lenders who may respond to it;
• Contact you about your request;
• Prevent fraud and meet legal obligations.

We do not sell your personal information for marketing unrelated to your request.

5. Categories of recipients

• Partner lenders holding required licences, who assess your request;
• Service providers (hosting, identity or bank verification, communications) bound by confidentiality agreements;
• Authorities where required by law.

6. Transfers outside Québec

Some partner lenders or providers may be located, or store data, outside Québec, elsewhere in Canada or abroad. Before such a transfer, a privacy impact assessment is carried out and contractual safeguards ensure adequate protection.

7. Consent

Consent is requested clearly, freely and in an informed way, for specific purposes, when you apply. You may withdraw it at any time, subject to legal obligations.

8. Retention and security

Information is kept only as long as needed for these purposes or required by law, then destroyed or anonymized. Reasonable safeguards (encryption, restricted access) are applied.

9. Your rights

• Access your information and obtain a copy;
• Have it corrected;
• Withdraw consent;
• Request de-indexing or cessation of dissemination where the law allows;
• Be informed of decisions based exclusively on automated processing;
• Complain to the Commission d’accès à l’information du Québec or the Office of the Privacy Commissioner of Canada.

Write to the privacy officer above to exercise your rights. We respond within 30 days.

10. Confidentiality incidents

If an incident presents a risk of serious injury, we will notify affected individuals and the Commission d’accès à l’information.