Last Updated: July 3, 2026

This Privacy Policy describes how we collect, use, disclose, retain, and protect personal information in connection with our premium financing and lending services, our website, and related communications.

We collect, use, disclose, and protect personal information in accordance with applicable Canadian privacy laws, including PIPEDA and other applicable privacy laws.

What is personal information?

Personal information means information about an identifiable individual. Depending on the service provided, this may include:

• name, date of birth, gender, and marital status;
• email address, telephone number, and mailing address;
• payment-related information, including limited payment method details where applicable;
• loan details, payment schedules, insurance policy references, and related financing records;

 

Collecting and using your information

Valet Finance provides premium financing and lending services through insurance brokers, carriers, and related platform integrations. Borrowers generally work with their insurance broker in connection with a premium finance transaction, while Valet Finance processes personal information as part of originating, administering, servicing, and maintaining records relating to those financing arrangements.

Valet handles personal information provided in connection with premium financing arrangements through insurance brokers and related processes. Valet does not store payment card details.

We may collect, use, and process personal information for purposes reasonably connected to our services, including to:

• generate and manage Premium Finance Agreements and related records;
• originate, administer, and service financing arrangements;
• process and administer payments;
• communicate with borrowers, brokers, carriers, financial institutions, and service providers;
• maintain business, legal, audit, and compliance records;
• protect against fraud, unauthorized activity, and security risks;
• respond to questions, service requests, and privacy-related requests;
• improve our systems, operations, and website functionality.

Where required or appropriate, consent may be obtained through the Premium Finance Agreement and related borrower documents.

Sharing of your information

We do not sell personal information.

We may disclose personal information where reasonably necessary for the purposes described above, including to:

• insurance brokers and insurance carriers involved in a financing transaction;
• payment processors and financial institutions involved in payment administration;
• third-party service providers that support hosting, storage, communications, security, and operations;
• professional advisors, auditors, insurers, and similar service providers;
• regulators, courts, law enforcement, or other authorities where required or permitted by law;
• successor organizations in connection with a merger, financing, acquisition, or sale of all or part of our business.

We require service providers handling personal information on our behalf to protect it appropriately.

Some of our service providers may store or process personal information outside Canada, including in the United States. Where this occurs, personal information may be subject to the laws of those jurisdictions. We use contractual, technical, and organizational safeguards designed to protect personal information when it is handled by service providers outside Canada.

Accuracy of your personal information

We seek to keep personal information as accurate, complete, and up to date as necessary for the purposes for which it is used. If you believe the information we hold about you is inaccurate, you may contact us to request a correction.

Access to your personal information

Subject to applicable legal requirements and limitations, you may request access to the personal information we hold about you. We will make reasonable efforts to respond within applicable statutory timeframes, and generally within 30 days where required by law. If we require additional time where permitted by law, we will notify you.

In certain circumstances, we may be unable to provide access to some information, including where legal, security, confidentiality, or other lawful restrictions apply.

Correction or deletion of personal information

You may request that we correct inaccurate personal information, and we will make reasonable efforts to respond within applicable statutory timeframes.

You may also request deletion of personal information where appropriate, and we will make reasonable efforts to respond within applicable statutory timeframes. However, we may need to retain certain records to comply with legal, regulatory, contractual, payment, audit, fraud prevention, dispute resolution, or other legitimate business requirements. This may include records relating to loan documents, payment history, tax and accounting records, and signed financing agreements.

Retention of personal information

We retain personal information only for as long as reasonably necessary for the purposes for which it was collected and to satisfy legal, regulatory, operational, tax, accounting, audit, contractual, and recordkeeping requirements. Retention periods may vary depending on the nature of the information, the services provided, and applicable requirements. When personal information is no longer required, we take reasonable steps to securely delete, anonymize, or dispose of it.

Security

We protect personal information using administrative, technical, and organizational safeguards designed to prevent unauthorized access, disclosure, misuse, loss, or destruction.

While no method of transmission or storage can be guaranteed to be completely secure, we take reasonable steps appropriate to the sensitivity of the information we handle.

Cookies and website usage

Our website may use cookies and similar technologies to support functionality, security, and basic analytics. You may adjust your browser settings to refuse or limit cookies, although doing so may affect certain website features.

Links to other websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those third parties, and we encourage you to review their privacy policies separately.

Changes to this Privacy Policy

We may update this Privacy Policy from time to time. Any updates will be posted on this page, along with the revised “Last Updated” date.

Concerns or questions

If you have any questions or concerns about your privacy, including any request for access and any complaints about our privacy procedures or general compliance, please contact our Privacy Officer at:

ATTN: Chief Financial Officer

Email: info@valetfinance.ca

Valet Finance

200039 198 Ave W, Foothills County, AB T1S2W8

We undertake to investigate all complaints and if a complaint is found to be justified, we will take appropriate measures, including, if necessary, amending our applicable policies and practices.