Privacy and Security

As a valued client, upholding your security and privacy is of the utmost importance to us. Consequently, Serve U Cash has employed various security measures in order to maintain the integrity of information that personally identifies or may be used to personally identify you (“Personal Information”). Serve U Cash may amend this policy from time to time.  You should check Serve U Cash’s website on a regular basis for amendments to this privacy policy. For the most up to date version, please visit www.serveucash.ca/securityandprivacy.php. "You" or "your" refers to you as a customer of Serve U Cash or a user of www.serveucash.ca. (the “Site”). "We" or "our" or "us" refers to Serve U Cash.

Collection and Use

Before Serve U Cash collects Personal Information from an individual, we first obtain that individual’s consent. Consent may be express or implied. We may obtain your express consent in writing, through electronic means, or verbally. Alternatively, your consent may be implied through an action that you've taken or when you continue to use a service after being notified of our policy. We obtain your consent the first time we receive your Personal Information. By continuing to make use of the services we provide you imply your ongoing consent to the collection and use of your Personal Information in accordance with this privacy policy, as updated from time to time.
Once your consent is obtained, Serve U Cash may collect the following types of Personal Information: (i) information we receive from you as part of the application process by telephone or through the Site from registration forms, application forms, transaction documents, surveys, or other documents or submissions related to the services we provide, including: your name, address, telephone number, social insurance number (“SIN”), email address, employment information, demographic information, bank account information, and information about your assets, debts and income; information about your transactions with us, our affiliates, or others, such as your account history, transaction balances, payment history, overdraft history, parties to transactions, and your reasons for doing business with us; (ii) information we receive from third parties such as consumer reporting agencies and other lenders regarding your credit worthiness and credit history, and information to verify your identity such as your telephone number; (iii) information we obtain to verify representations made by you, such as your employment history or income; (iv) information obtained from specialized marketing information firms, such as household demographics; (v) information that we receive about you from other online entities who have initially obtained your information but have transferred it to us so that we can provide our services to you; (vi) information obtained from web page http headers (home server domain names, IP address, type of client computer, and type of Web browser); (vii) information, user specific or aggregate, that we receive from our web pages recording visitor access; (viii) information that you provide when you contact our customer service department; (ix) information that you provide when you communicate with us via email or online chat; and (x) information about your computer and network settings.
We request your SIN for identification, security and credit matching purposes. Your SIN is a reliable way to confirm your identity and ensure proper matching of credit information with credit reporting agencies. You should be aware, however, that permitting us to use your SIN in this way is voluntary. If you choose not to provide us with your SIN, this by itself will not prevent you from applying for a payday loan.
We use Personal Information to: provide you with the services you request; offer you additional products or services, from us or from others, that may be of interest to you; comply with all reporting and other legal requirements; enhance your experience at our Site; collect and process payments and update account records; analyze customer demographics, payment histories, and preferences; conduct statistical analyses; confirm your identity and provide our advertisers with editorial or feedback information.
Although Serve U Cash does its best to protect Personal Information on the Site, for other websites linked to the Site which are not managed by Serve U Cash, we are unable to manage your Personal Information, and Serve U Cash is not responsible for information that is provided to these other websites.

Transfer and Disclosure

We may share or sell Personal Information with any other Serve U Cash related company (“Affiliated Company”, collectively “Affiliated Companies”) and with other companies with whom Serve U Cash or any Affiliated Company does business (“Non-Affiliated Third Parties”) as permitted by law and described in this privacy policy. These Affiliated Companies and Non-Affiliated Third Parties may be (i) financial service providers, such as banks, mortgage brokers, lenders, loan brokers, cheque cashers, collection agencies, credit counselling agencies, consumer reporting agencies, credit, debit and store valued card providers, insurance agencies and other insurance service providers, bill payment agencies, ATM providers, pawn providers, automobile dealers, financing providers, leasing providers, money transfer and remittance providers, sellers and remitters of money orders and travellers’ cheques, and financial service provider holding companies, or agents, contractors, or representatives of any of the foregoing entities; (ii) non-financial companies, such as retailers, tax preparers, payroll service providers, advertisers, marketing companies, lead generators, advertisers on our websites, companies or individuals that do industry-related research, surveys or polls, automobile dealers, and holding companies, or agents, contractors, or representatives of any of the foregoing entities; and (iii) other organizations, such as non-profit organizations, trade associations, and industry analysts or agents, contractors, or representatives of any of these entities. Affiliated Companies and Non-Affiliated Third Parties may use Personal Information for any legal purpose, including, but not limited to, developing and promoting new or joint products, improving existing products and services, and contacting you to offer products and services that may be of interest to you. We may also disclose Personal Information to companies who perform services on our behalf or to other financial institutions with which we have joint marketing agreements.
We may also disclose Personal Information to Affiliated Companies and Non-Affiliated Third Parties that provide services to us (“Service Providers”). We contract with Service Providers to perform certain functions on our behalf. Examples include banks and other financial institutions, loyalty programs, database providers who assist in identity verification, credit scoring companies, magazine publishers, retailers, market research organizations, software developers and direct and indirect marketers. Their access is limited only to the Personal Information needed to perform their functions, and only for the purpose of performing those functions, and they are prohibited from using or disclosing Personal Information for other purposes.
We may release Personal Information if it becomes necessary for compliance with the law or to protect the rights, property, or safety of our Site, our users, or third parties. We reserve the right to release such Personal Information to law enforcement or other governmental officials as we, in our sole and absolute discretion, deem necessary to comply with the law. In addition, we reserve the right to use and disclose information about you that does not personally identify you in any form we deem appropriate in our sole discretion.
We may receive and store certain types of information whenever you interact with our Site. For example, like many websites, we use “cookies” to obtain certain types of information, such as your name and your email address, when your web browser accesses our Site and when you login. Cookies are pieces of information that are transferred to your computer’s hard drive via your web browser. They allow us to provide you with a more convenient and personalized experience by recording information about your preferences.
A web browser is usually set to accept cookies automatically but can be changed to decline them. The “Help” section of the toolbar on most web browsers will tell you how to prevent your browser from accepting new cookies, how to have the web browser notify you when you receive a new cookie or how to disable cookies altogether. In most cases, a visitor may refuse a cookie and still fully navigate our Site.
When dealing with any transfer or disclosure of Personal Information, we take reasonable measures to safeguard the security and confidentiality of all Personal Information. As part of this information sharing, Personal Information may be securely used, stored and processed in a foreign country where it may be accessible to law enforcement and national security authorities.
If you remove your Personal Information from our database it will no longer be used or disclosed to Affiliated Companies or Non-Affiliated Third Parties for secondary purposes unconnected to your loan, or used by us, Affiliated Companies or Non-Affiliated Third Parties to send promotional correspondence to you. If you wish to continue to receive the services that we provide, even if you opt-out, we may still need to share information we collect about you with Affiliated Companies and Non-Affiliated Third Parties to facilitate providing our services to you, to administer our business, in order to receive services from those companies, and as otherwise permitted or required by law.

Corporate Changes – Change of Control

In the event of a merger, consolidation, sale or transfer of all or substantially all of the assets of Serve U Cash, one of the assets which would generally be transferred to the purchasing entity is the Personal Information that we collect from you. The use of your Personal Information by any such purchasing entity would be governed by the terms of this privacy policy, as amended from time to time.

Consent to Credit Check

By agreeing to this privacy policy you agree to and accept this as prior written notice of Serve U Cash obtaining a credit report or other credit and financial-related information relating to you from time to time. We may report information about your account to credit bureaus, and late payments, missed payments, or other defaults on your account may be reflected in your credit report.

Consent to Employment Verification

By agreeing to this privacy policy you agree and accept this as prior written notice of Serve U Cash contacting your employer to confirm your employment, occupation, place of employment, length of employment, employment income, pay dates, pay frequency and manner of payment of employment income.

Storage, Retention and Destruction

We securely store Personal Information in hard copy and/or electronic form. Serve U Cash retains Personal Information only as long as required by law or as necessary to fulfil the purposes identified above, after which time it will be destroyed, deleted, or made anonymous.

Electronic Security

To ensure your Personal Information stays confidential and does not fall into the wrong hands, Serve U Cash has implemented various electronic security measures. Serve U Cash utilizes Secure Socket Layer (SSL) 128 bit technology which secures that all private information provided by the borrower in the application, when submitted, is secure and will not be accessible by anyone other than Serve U Cash. Furthermore, once the borrower is approved for their cash advance, Serve U Cash provides them with a unique username and password. Since only the borrower will have the username and password, only they will be able to view their Personal Information, thus, keeping their information secure and confidential.

Physical Security

In conjunction with electronic security measures, Serve U Cash also employs physical security measures to further ensure the integrity and confidentiality of the borrower’s information. In some cases, Serve U Cash will maintain hardcopies of the borrower’s information for reference purposes, which will be used to better fulfill the borrower’s needs. However, these hardcopies will be kept under the strictest of conditions, often under lock and key. Moreover, when the information is no longer needed, it can be destroyed at the request of the borrower to further ensure their security. In addition to this measure, Serve U Cash also restricts access to a borrower’s Personal Information to only the customer service agents that Serve U Cash deems necessary.

Refund Policy

1. If there has been a transaction that was unauthorized, the degree of liability could be established based on the speed in which you bring to our attention a payment or withdrawal revealed in your bank account as erroneous. Neglecting to inform us immediately of an error may surrender our liability for, or capacity to, rectify the erroneous transaction.
2. If you think that an error has occurred or that an unauthorized transaction has occurred, inform use via telephone, through our websites contact us page or through email immediately. We will contact you within 10-12 business days from the point at which you contact us with the outcome of our investigation. If the error was our fault, it will be rectified speedily with you bearing no financial expense, presuming that we were notified of the error immediately.
3. For any non-sufficient fund charges or additional fees that your bank may have charged you due to an erroneous transaction, which includes a transaction sent erroneously by us, you will be compensated through reimbursement after an inquiry into the matter has been completed.
4. If an error causes funds you owe in accordance with your loan contract not being paid back, then we reserve the ability to rectify any erroneously executed transactions. This is irrespective of the cause and result of the unauthorized charge, and to enforce the loan contract that you signed.

Loan Agreement

Please note that you will be able to view and/or print the loan agreement during the application process. As well, a copy of the loan agreement will be emailed to you following the submission of your loan application.

Contact Information

We encourage you to contact us (i) if you have any questions, concerns or complaints about our privacy policies and practices or the way we collect or manage your Personal Information; (ii) to provide, deny or withdraw consent to the collection, use or disclosure of your Personal Information by us; or (iii) to correct inaccuracies in Personal Information that we retain relating to you:

Serve U Cash Privacy Officer

Serve U Cash Inc.
support@serveucash.ca or toll-free at 1-855-230-1458

If you require further information regarding Serve U CashпїЅs security and policies, please contact us.