Effective as of July 1st 2023
This Privacy Policy is to inform you of how Fincentify Inc., operating as Nyble (“Fincentify,” “Nyble,” “we,” “us,”, “our”, or “Company”) on the policies and procedures on the collection, use and disclosure of your information when you use the Services (as defined in our Terms and Conditions) we provide. This Privacy Policy applies to information we collect from you and from third parties, both online and offline (“Personal Information”). We use your Personal Information to provide and improve the Services. The Privacy Policy concerns how we collect, use, and disclose your Personal Information when you visit our Website, including but not limited to other sites, sub-domains, portals, and digital applications owned and operated by Nyble (the “Website”).
Our Website may include links to third-party websites, plug-ins, services, social networks, or applications. Clicking on those links or enabling those connections may allow the third party to collect or share data about you. If you follow a link to a third-party website or engage a third-party plugin, please note that these third parties have their own privacy policies and we do not accept any responsibility or liability for these policies. We do not control these third-party websites, and you are responsible for evaluating the privacy policy of every website you visit.
By using the Services, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with any term in this Privacy Policy, please do not provide us with your personal information or use our App, Website, or Services.
Information you provide us
Nyble collects and uses personal information for the purposes of providing our Services. We collect personal information directly from you through your use of our platform, the application you submit and through our interactions with you.
Personal Information: We use your personal information to determine your eligibility for products and our Services. We may also request your government-issued identification to confirm your identity. This information may include the following information: name, address, date of birth, phone number, email address, social insurance number, information about your rent or mortgage payments, credit-related information, financial transaction history, and credentials for third-party services.
Bank Account Information: For some of our Services, we require you to connect your bank account using a third-party service called Flinks (you may visit their website at flinks.com). Your credentials are maintained by the third-party service provider and Nyble does not store your bank account login information. We use your bank account information to verify your identity, determine your eligibility for Services, and collect information for payments.
Payment-Related Information: We may collect payment-related information including bank account numbers and payment card numbers that you enter and give us when you use our Services.
Communications: when you communicate with us, we may monitor and record our chat or telephone conversations to check your instructions to us, and assess and improve our services for training and quality assurance services and for the purposes of investigating any complaints you may make.
Marketing: We may obtain your consent to send you marketing communications by mail or email that promote products and services offered either by us or by third-party partners. You can opt out of receiving these offers by clicking the unsubscribe link in our marketing email communications or by contacting us.
Information Obtained from Third Parties
We may obtain information from third parties including but not limited to identity verification services, third-party websites, third-party apps, merchants, and others. If you are applying for our Services through a third party, the third-party partner may also share your personal information with us in order to provide our services to you.
Credit score and reports: If you register for an account on Nyble’s Website, Nyble will obtain and provide you with your credit score from a consumer reporting agency. Nyble will provide your credit score to you at the time of account creation and on a regular basis thereafter as long as you have an account with Nyble. Nyble may periodically use this information to attempt to pre-qualify or pre-select you for offers from third-party partners.
Disclosures and Transfers of Personal Information
We may disclose Personal Information that we collect or you provide as described in this privacy policy to:
Financial Institutions: We may transfer your personal information to financial institutions for payment and identity verification purposes.
Credit Bureaus: Each time you use Nyble to access your credit report, Nyble will share your information with Equifax Canada Co., including your name, address, and date of birth. This information will be used by Equifax Canada Co. to confirm your identity and obtain information from your credit file with Equifax. If you are eligible for Nyble’s Credit Reporting Services, Nyble may also transfer your Personal Information and payment information, including on-time and missed payments, to Equifax and/or other credit reporting agencies, if available, for inclusion on your credit report as a new tradeline.
Service Providers: We may also transfer your personal information to our Service Providers used to administer or provide products, services, or information on our behalf such as to operate and host our websites and features, and to send marketing communications. Some of the Service Providers that process personal information on our behalf may be located outside of Canada, including the United States. We require the organizations that we use to limit the use of your personal information only to the extent of the services that we have contracted them to provide.
Third Parties: If you use Nyble’s Services, we may share certain Personal Information we have about you with third-party partners to market their products or services to you if you have consented to/not opted out of these disclosures.
Our website
Personal information that we collect about you when you use our website is what you tell us about yourself, for example, by completing an online application, or information you provide to us through the "Contact Us" section or when you send us an email. As most websites do, we track usage patterns on our website on an anonymous basis. Your identity cannot reasonably be ascertained from this information. Each time you visit our website, our server records your internet service provider, the timestamp of your visit, the pages you visit, the documents downloaded, the searches you performed, and the referring URLs you came from. We use this non-personal information to optimize our website service. For your convenience, we may offer links from our website to other websites. However, we are not responsible for, nor do we accept any liability for, the personal information collection, use, and disclosure practices of other entities to which our website may link. You should consult the privacy policies of these other entities before providing any personal information on their websites.
Access, Accuracy & Corrections
We maintain a file of your personal information for the above-mentioned purposes. If you wish to request access to, or correction of, your personal information in custody or control, please make your request in writing to us. We may need to verify your identity before searching for or providing you with personal information. In some circumstances, we may not provide access to your personal information, for example, if it contains the personal information of other persons, if it constitutes confidential commercial information, or if it is otherwise not properly the subject of an access request. It is important that your personal information be accurate and up to date. Please inform us as soon as possible of any changes to your personal information. If you have any questions, requests, or complaints about our personal information practices, please contact us.
Consent
We collect, use, and disclose your personal information with your consent or as permitted or required by law. Your consent may be expressed or implied, depending on the circumstances and the sensitivity of the personal information in question. For example, in most cases, a client's consent to the collection, use, and disclosure of personal information by us may be implied by the fact that the client has engaged us to provide services, where the collection, use, and disclosure of personal information relates to the performance of those services by us. If you provide personal information about another person to us, we assume you have the consent of that individual to enable us to collect, use, or disclose their information as described in this Privacy Policy. If you choose to provide personal information to us, we assume that you consent to the collection, use, and disclosure of your personal information as outlined in this Privacy Policy. If you do not consent, please do not provide your personal information or, where applicable, exercise the opt-in or opt-out options offered. Subject to legal and contractual requirements and reasonable notice, you may refuse to consent to our collection, use, and disclosure of your personal information, or you may withdraw your consent to our further collection, use, and disclosure of information about you, by contacting us via email. Note that if you withdraw your consent to certain uses of your personal information, we may no longer be able to provide certain of our services. There are instances where we may collect, use, or disclose your personal information without your consent, for example, to collect a debt you owe to us, to comply with a subpoena or court order, or to comply with the rules of court regarding the production of records.
Changes to our Privacy Policy
We update our Privacy Policy regularly and we reserve the right to change this Privacy Policy at any time without notice to you. We will take reasonable steps to advise affected individuals of any material changes. You may contact us to obtain a current copy of this Privacy Policy.
Contact Us
If you wish to make inquiries, access/update the information that we have about you, or obtain further information. Please contact us at support@nyble.com.
Build a better financial tomorrow.
*Impact on credit scores may vary. Nyble is responsible for credit reporting and is required to report both on-time and late payments, which may impact a credit bureau's determination of your credit score. Nyble does not provide cash advances or personal loans. Upon approval, your reported tradeline is a revolving line of credit intended for credit building. Use it exclusively to build credit history. Eligibility is subject to identity verification and underwriting. Nyble is free to use, optional credit building and credit monitoring membership features cost $11.99 monthly after a 30-day free trial, cancel or downgrade anytime without penalties. Make consistent on-time payments and keep your account balance low to maximize credit building potential. Features may vary depending on your province.
† Identity theft coverage, credit monitoring, and associated services are provided by CyberScout, a TransUnion brand. To be eligible,
you must (a) have an active membership and (b) have your account in good standing. To enroll, customers must register and follow
registration requirements.
‡ Balance Protection is underwritten by Trans Global Life Insurance Company and Trans Global Insurance Company provided to Nyble under policy numbers NYB-02012024-P and NYB-02012024-L and extended to all members at no additional cost in case if you are unable to meet your financial obligations in the event of involuntary unemployment or disability. To be eligible, you must (a) have an active membership and (b) have your account in good standing.