INTRODUCTION
We are dedicated to maintaining your privacy. We understand that users may have concerns regarding the handling and storage of personal information. Ensuring the privacy and confidentiality of personal information, whether shared over the Internet, by phone, or in our offices, is a fundamental aspect of how Novus Automotive operates.
POLICY STATEMENT
This privacy policy addresses personal information collected through websites owned by Novus Automotive. Personal information refers to any data about an identifiable individual, excluding business contact information. Below, we explain how Novus Automotive manages personal information. We reserve the right to update or modify the Terms of Use on this page at any time. We recommend you revisit this page periodically to stay informed about any changes. Novus Automotive may also, at its sole discretion and without prior notice, change or discontinue any aspect of this Website, including content, necessary equipment, and software requirements.
ACCOUNTABILITY
THIS WEBSITE AND THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES PROVIDED HEREIN ARE OFFERED "AS IS." NOVUS AUTOMOTIVE, ALONG WITH PARTICIPATING LENDERS, TO THE EXTENT PERMITTED BY LAW, DISCLAIM ANY WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. USE OF THIS WEBSITE AND NOVUS AUTOMOTIVE'S SERVICES IS AT YOUR OWN RISK. NOVUS AUTOMOTIVE AND/OR PARTICIPATING LENDERS ARE NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN CONNECTION WITH THE USE OF THIS WEBSITE AND/OR NOVUS AUTOMOTIVE’S SERVICES, OR DELAYS OR INABILITIES TO USE THIS WEBSITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS INCLUDES DAMAGES ARISING FROM BREACH OF CONTRACT, NEGLIGENCE, OR OTHER LEGAL THEORIES.
This Website may include links to third-party websites or advertisements. These links and advertisements are provided by the owners of the website, and Novus Automotive does not operate or control any information, software, products, or services available on these third-party sites. The presence of a link to a third-party website does not imply endorsement of its services, content, or sponsoring organization. Novus Automotive is not responsible for any errors or delays in responding to forms submitted due to incorrect email addresses or other personal information provided by you or technical issues beyond our control. This Website is intended for use in Canada, and those accessing it from outside Canada will hold Novus Automotive harmless if such access violates local laws. Exporting information from the Website is subject to all export laws, and users agree to hold Novus Automotive harmless in case of any legal violations related to such exports.
COLLECTION AND USE OF INFORMATION
The purposes for collecting personal information will be identified before or at the time of collection. Personal information may be collected for:
Novus Automotive uses collected information for purposes permitted by law, such as processing loan applications, managing loan accounts, providing services to customers, informing customers and visitors about our services, and meeting legal and regulatory requirements. Personal information is retained within Novus Automotive and its clients unless permission for transfer is given or allowed by law. While using this site, we may collect personal information and internet service provider details of visitors to enhance site performance, user experience, and system administration, as well as resolve problems. Information collected may include operating system types, browser types, pages visited, and data requested. We use this data internally to analyze site traffic and create reports on website operation. For convenience and accessibility, we collect data on viewed website content to offer personalized options.For a better user experience, we may request personally identifiable information, which will be used as described in this privacy policy. Third-party services used by our app may collect information to identify you, and their privacy policies and terms of service can be accessed via provided links.
IP ADDRESSES
IP addresses are assigned automatically whenever you access the Internet, allowing computers and servers to recognize and communicate with each other. Your IP address may be used to identify you and gather demographic information, conduct site analysis, and improve services. Novus Automotive may collect IP addresses for system administration, problem diagnosis, and better service delivery.
SECURITY
Novus Automotive employs security measures to protect against the loss, misuse, and alteration of information under our control. Employees and contractors with access to user information are approved and use it only for purposes outlined in this document, with access reviewed regularly. Secure technology, including SSL, protects your data and transmissions between you, banks, lenders, and loan brokers participating in Novus Automotive services. While no technology is foolproof, we advise users of the inherent risk that personal information may be disclosed unintentionally and without fault on the part of Novus Automotive. We are not responsible for any such disclosures.
ANTI-SPAM POLICY
Our Anti-Spam Policy allows only permission-based email subscriptions or information requests through email or phone. You may opt out of our mailing list by checking the opt-in box when contacting us or through available forms. Emails will comply with CASL and include options to opt-in for communications and unsubscribe from future communications. You can unsubscribe at any time by clicking the "unsubscribe" link in our communications or contacting us to stop promotional calls.
INFORMATION FOR USERS UNDER 18
Users must be at least 18 years old to use our credit application. We do not knowingly seek information from children under 18 without parental consent and are not liable for information unknowingly provided by underage users. We do not actively collect demographic or preference information from children or disclose such information to third parties.
INDEMNITY
As a condition of using this website, credit application, and/or Novus Automotive's services, you agree to indemnify Novus Automotive, its suppliers, and participating lenders from any liabilities, expenses (including attorneys' fees), and damages arising from claims related to your use of this website and credit application, including any claims of breach of this Agreement.
