CardPawn Inc. ("CardPawn," "we," "us," or "our") is committed to protecting your personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation.

Information We Collect

We collect the following categories of personal information:

  • Identity information: Full name, date of birth, government-issued ID (for loan agreements)
  • Contact information: Email address, phone number, mailing address
  • Financial information: Bank account details (for wire transfers — never stored long-term), loan amounts
  • Collectible information: Card details, photos, appraisal records
  • Technical information: IP address, browser type, pages visited (via cookies — see Cookie section)

How We Use Your Information

  • Processing and administering pawn loan applications and agreements
  • Complying with FINTRAC and Anti-Money Laundering (AML) obligations
  • Communicating about your loan status, payments, and card returns
  • Improving our services and website
  • Sending marketing communications (only with your consent)

Information Sharing

We do not sell your personal information to third parties. We may share information with:

  • Insurance providers (for collectibles coverage)
  • Payment processors (for wire transfers)
  • Legal/regulatory authorities (when required by law, including FINTRAC reporting)
  • Professional advisors (accountants, lawyers) under confidentiality obligations

Data Security

We use industry-standard security measures including TLS/SSL encryption for data in transit, encrypted storage, access controls, and regular security audits. No method of electronic storage is 100% secure; we cannot guarantee absolute security.

Your Rights

Under PIPEDA and applicable provincial law, you have the right to: access your personal information held by us, request correction of inaccurate information, withdraw consent to non-essential processing, and request deletion (subject to legal retention requirements).

To exercise these rights, contact our Privacy Officer at privacy@cardpawn.ca.

Data Retention

We retain loan records for 7 years after loan closure as required by FINTRAC and tax regulations. Marketing data is retained until consent is withdrawn.

Cookies

Our website uses essential cookies (required for site function) and optional analytics cookies (Google Analytics — anonymized). You can disable cookies in your browser settings without affecting site functionality.

Contact Us

Privacy Officer: CardPawn Inc., 200 Bay Street Suite 1400, Toronto ON M5J 2J3 | privacy@cardpawn.ca