By providing NPF with your personal information, you consent to the collection, use, disclosure and retention of that information by NPF in accordance with this Privacy Policy and as permitted by applicable law. You may withdraw your consent at any time, subject to legal or contractual restrictions and on reasonable notice to NPF, however, as a result of your withdrawal of consent,  you may not be able to proceed with your intended interactions or transactions with NPF or receive the full benefit of NPF's products and services. 

In this Privacy Policy, “personal information” means information about an identifiable individual, such as an individual’s name and email address, but does not include, to the extent permitted by law, information that is publicly available in a telephone directory or that is business contact information that enables an individual to be contacted at a place of business. 

(a) Information You Provide  

You may be asked to voluntarily give your personal information to NPF when you interact orally, in writing or by electronic  transmission, with NPF, including when you:  

• apply for a profile, 
• subscribe to a newsletter, 
• register to receive information, 
• apply or register for a product or service offered by NPF, 
• order a product or service offered by NPF, 
• use a product or service provided by NPF. 

In those circumstances, you can choose not to provide certain requested personal information, however you may not be able to  proceed with your intended interaction or transaction with NPF, or receive the full benefit of the desired product or service.  Telephone calls between you and NPF will be recorded to ensure accuracy and quality assurance, and may be disclosed to third  parties to verify NPF is compliant with its contractual obligations to third parties. You can choose not to have the telephone call  recorded, and communicate by writing or electronic transmission. 

(b) Automated Collection 

NPF may automatically collect certain information about your use of NPF’s website or online services, such as the dates and  times that you access the website or online services, the browsers, operating systems, software and devices that you use to  access the website or online services and details of your use of the website or online services. 

NPF's website, online services, email messages and advertisements may use technologies (e.g. cookies, web beacons, tokens,  session recording, pixels or tags) to collect information that assists NPF to improve its products, services, advertising and  customer communications, and to prevent fraud. NPF may use information that it collects through technological means to  recognize you as a user of NPF’s website or online services, to facilitate and improve your use of NPF’s website or online  services, to confirm that messages have been delivered to and opened by you and to provide you with targeted advertisements.  You may choose to decline or disable cookies if your web browser or device permits, but doing so may affect your ability to  access or use certain features of a website or online service. More information about cookies used for interest-based advertising is set out in section 4(c) below. 

Much of the information that is automatically collected by technological means is non-personal information because the  information does not identify you and NPF will handle that non-personal information as explained below in this Privacy Policy  unless applicable law requires otherwise.  

(c) Credit Reports 

When you apply or register for, or order or use certain products or services from NPF (e.g. referral to lender), NPF may obtain,  and continue to periodically obtain, your credit score and related information from a credit reporting agency to process or  fulfill the transaction, and to update your confidential profile for use by NPF for purposes as set out in this Privacy Policy. Upon  your request we will inform you if we have ordered such a report or reports, and will give you the name and address of the  credit reporting agency that furnished the report or reports. 

You also acknowledge and agree that any dealers or other persons or organizations to which we have disclosed your personal  information in accordance with this Privacy Policy, may request a credit report for any legitimate purpose associated with your  application for credit, extending credit, making product offers, modifying the terms of your credit agreement, collection on  your account, or similar services or products. 

(d) Bank Information 

When you use the bank account verification system (“Bank Verification System”) provided to you by NPF, NPF may, in  accordance with this Privacy Policy, retrieve your bank account information, including your transaction history, but not your  bank account log-in credentials, for purposes as set out in this Privacy Policy. NPF may use the Bank Verification System to  periodically obtain your updated bank account information in order to update your confidential profile for use by NPF for  purposes as set out in this Privacy Policy. 

For clarity, you acknowledge and agree that NPF may periodically retrieve your bank account information and disclose the bank  account information to independent businesses, including NPF's suppliers or service providers, for purposes as set out in this  Privacy Policy. 

(e) Information Regarding Referred Transactions 

If NPF refers you to an independent business (e.g. a lender) for a proposed transaction (e.g. a powersports loan), then NPF may  collect from that independent business information regarding the transaction to update your confidential profile for use by NPF  as set out in this Privacy Policy. 

(a) General 

NPF uses your personal information collected by NPF for purposes relating to or arising from your relationship and  transactions with NPF and as otherwise set out in this Privacy Policy or permitted by applicable law, including:

• to administer your relationship with NPF, including to create and manage your account profile with NPF and to contact and correspond with you regarding those matters;
• to facilitate your interactions and transactions with NPF, including to process your applications, requests, orders and payments;
• to provide products and services to you;
• to process and respond to your inquiries, requests and other communications;
• to provide you with information (including by email and other electronic messages) regarding NPF and its products, and services and related products and services offered by other businesses, to the extent permitted by applicable law;
• to administer and facilitate your participation in contests and promotions related to NPF;
• to maintain, protect and improve NPF’s products and services and to develop new products and services;
• to protect and enforce NPF's legal rights, interests and remedies, and to protect the business, operations and customers of NPF or other persons; and
• to assist NPF Companies to collect, use, disclose and retain your personal information in accordance with this Privacy Policy. 

(b) Disclosure by NPF 

NPF may share your personal information with NPF Companies, and NPF may develop, maintain and share a confidential profile  of you for use by each NPF Company to provide information, products and services to you, to facilitate your dealings with each  NPF Company and as otherwise set out in this Privacy Policy. 

(c) Interest-Based Advertising 

NPF may use interest-based advertising services (sometimes called “remarketing” or “retargeting”) provided by third party  vendors (such as Google and Facebook) to display advertisements on third party websites and social media sites visited by users  of NPF's website. Advertising vendors (such as Google and Facebook) use cookies, pixels or tokens – unique identifiers of a web  browser on a specific computer that are installed on the computer when it accesses NPF's website – to display ads based on the  computer’s past access to NPF's website. You can opt-out of Google’s use of cookies by visiting Google’s Ads Settings. You can  also opt out of a remarketing vendor’s use of cookies by visiting the Network Advertising Initiative’s consumer opt-out page.

(a) General 

NPF discloses your personal information for purposes relating to or arising from your relationship and transactions with NPF and as otherwise set out in this Privacy Policy or permitted by applicable law. 

(b) Specific Consents 

NPF may disclose your personal information in accordance with express or implied consents that you give during your interactions and transactions with NPF. 

(c) Referred Transactions 

If NPF refers you to an independent business (e.g. a lender) for a proposed transaction (e.g. a powersports loan), then NPF may  disclose your personal information (including your credit score that you provided to NPF, bank account information, and related  information) to the independent business to facilitate the proposed transaction. NPF has no responsibility or liability for, the use,  disclosure or retention of your personal information by the independent business, and the use, disclosure and retention of the  disclosed information by the independent business is not subject to this Privacy Policy. 

(d) Suppliers and Service Providers 

NPF may disclose your personal information to its suppliers and service providers (including fraud prevention services and  payment processors) to assist NPF in the provision of information, products and services to you, to provide services to NPF, to  assist NPF to use your personal information as set out in this Privacy Policy and as otherwise permitted by applicable law. 

(e) Law Enforcement/Legal Disclosures 

NPF may disclose your personal information as required or authorized by applicable law, including to comply with a subpoena, warrant, court or arbitral order or litigation disclosure obligation. NPF may disclose your personal information to law enforcement agencies or other independent organizations if NPF reasonably believes the disclosure is necessary or appropriate in connection with national security, law enforcement or other issues of public importance, or if NPF reasonably believes the disclosure is necessary or appropriate to protect and enforce NPF's legal rights, interests and remedies or to protect the rights, interests, business, operations or customers of NPF or other persons, including to detect and prevent fraud and other illegal activities, enforce any of the terms of use, terms of service or other agreements that govern access to or use of any of NPF's products or services. NPF has no responsibility or liability for, the use, disclosure or retention of your personal information by the  agencies, independent organizations or other persons to whom NPF discloses the information in the foregoing circumstances,  and the use, disclosure and retention of the disclosed information by those agencies, independent organizations or other  persons is not subject to this Privacy Policy. 

(f) Business Transactions 

NPF may disclose your personal information in connection with a proposed or actual business transaction in which NPF is involved (such as a corporate amalgamation, reorganization, merger or acquisition, or the sale or transfer of some or  all of NPF's business or assets), but NPF will require the information recipient agree to protect the privacy of your  personal information in a manner that is consistent with this Privacy Policy and applicable law.

NPF and NPF Companies, and its and their service providers may process, store and use your personal information at facilities in various countries, including Canada, the United States of America and one or more countries in Europe or Asia. The personal information protection laws of those other countries might be different from the laws of the jurisdiction in which you reside, and might permit courts, government, law enforcement agencies, regulatory agencies and security authorities to access your personal information without notice. By providing your personal information to NPF, you consent to the transfer of the personal information to facilities located in other countries and the processing and storage of the personal information at those facilities. 

NPF uses reasonable safeguards,including administrative, physical and technical security and safeguarding measures, appropriate to the sensitivity of the personal information in NPF's possession or under NPF's control to help protect the information from unauthorized access, collection, use, disclosure, disposal or similar risks. Nevertheless, security risks cannot be eliminated and NPF cannot guarantee that your personal information will not be used, disclosed or deleted in ways not otherwise described in this Privacy Policy. 

NPF retains your personal information for the period reasonably necessary for the purposes set out or referenced in this Privacy Policy and to comply with NPF's legal obligations or enforce or protect NPF's legal rights, or a longer period required or permitted by applicable law. NPF will delete or dispose of your personal information when NPF is no longer reasonably required to retain the information for the purposes set out or referenced in this Privacy Policy. 

NPF will rely on you to ensure that your personal information that you provide to NPF is as accurate, complete and up to date as necessary for the purposes for which NPF uses the personal information. You will promptly notify NPF of any changes to your personal information using the procedures made available for that purpose by NPF or by contacting NPF. You may reasonably request access to your personal information collected by NPF and information about NPF's use, disclosure and retention of that personal information by submitting a written request to NPF's Privacy Officer using the contact information noted below. Subject to applicable exceptions and limitations prescribed by applicable law, you will be given reasonable access to your personal information and you will be entitled to verify the accuracy and completeness of your personal information and to have the information revised as appropriate. You may be required to pay a reasonable fee for access to your personal information. NPF may decline to process a request that is unreasonably repetitive, frivolous, vexatious or impracticable, that infringes or jeopardizes the privacy of other persons, or for other reasons permitted by applicable law. 

NPF creates and collects non-personal information, which is information that is not about an identifiable individual, including personal information that has been aggregated or otherwise depersonalized so that the information no longer relates to an identifiable individual. NPF may use, disclose, transfer and retain non-personal information for any purpose and in any manner whatsoever. If non-personal information is combined with personal information, then NPF will treat the combined non personal information as personal information for the purposes of this Privacy Policy for as long as the non-personal information is combined.

NPF's website and correspondence, including emails and messages, may include advertisements for products and services offered by independent businesses, that may have a financial relationship with NPF, or links to websites operated by independent businesses (e.g. lenders and service providers). NPF has no responsibility or liability for those other websites, online services or businesses, their products or services, or their collection, use, disclosure or retention of your personal information. This Privacy Policy does not directly apply to the collection, use, disclosure and retention of your personal information by those websites, online services and independent businesses. If you have questions about how those websites, online services or independent businesses collect, use, disclose or retain personal information, please contact the owner or operator of the website, service or business. 

(a) Disclaimers, Liability Exclusions/Limitations and Disputes: 

The agreements, including any subscription agreement or terms of service or use, that you accept when you apply, register for, order or use NPF's products or services contain important provisions, including provisions disclaiming, limiting or excluding the liability of NPF and other persons (including NPF Companies and service providers) and provisions determining the applicable law and jurisdiction for the resolution of disputes. To the extent permitted by applicable law, each of those provisions applies to any dispute that may arise in relation to this Privacy Policy or NPF's collection, use, disclosure and retention of your personal information, and are of the same force and effect as if they had been reproduced directly in this Privacy Policy. Nothing in this Privacy Policy amends any of those other agreements. 

(b) Changes to this Policy: 

NPF may change this Privacy Policy from time to time by posting a new version of this Privacy Policy on NPF's website.  NPF's collection, use, disclosure and retention of your personal information will be governed by the version of this Privacy  Policy in effect at that time. Your continued dealings with NPF after any change to this Privacy Policy will signify your  consent to the collection, use, disclosure and retention of your personal information as set out in the changed Privacy  Policy. 

Accordingly, you should check the “Last Updated” date of this Privacy Policy located at the top of this Privacy Policy and  review any changes since the last version. 

(c) English Language: 

You and NPF have each expressly requested and required that this Privacy Policy and all other related documents be drawn up in the English language. Les parties conviennent et exigent expressement que cette Politique de Confidentialité et tous les documents qui s’y rapportent soient rédigés en anglais. 

(d) Definition: 

In this Privacy Policy, “NPF Companies” means collectively NPF's corporate affiliates and parent company. Each of the NPF Companies is referred to as a “NPF Company”. 

(e) Contacting NPF's Chief Privacy Officer: 

If you have any comments or questions about this Privacy Policy or how NPF deals with your personal information, please contact NPF's Privacy Officer by mail or email at: NPF – Privacy Officer, 871 Victoria Street North, Unit 206, Kitchener, ON N2B 3S4; email: privacy@npfinancing.com.