📄 PRIVACY POLICY
Legal Entity: Sphinx Services Financiers Inc.
Brand: Go Prêt
Address: 2001 Robert-Bourassa Boulevard, Suite 1700, Montreal, QC, H3A 2A6
Email: info@sphinxservicesfinanciers.ca
Effective Date: March 20, 2024
Last Updated: April 23, 2026
1. PURPOSE
At Go Prêt, we respect your right to privacy and the confidentiality of your personal information. We are committed to protecting it and using it only for the purposes for which it was collected.
This Privacy Policy (the “Policy”) describes the purposes and methods of collecting, using, retaining, and disclosing personal information.
It applies to all personal information collected by Go Prêt via:
https://go-pret.ca
https://clients.go-pret.ca/
This Policy is governed by Quebec’s Act respecting the protection of personal information in the private sector (LPRPSP) and any other applicable legislation.
2. DEFINITIONS
For the purposes of this Policy:
Personal Information: Any information relating to a natural person that allows them to be identified directly or indirectly.
Consent: Free, informed, and specific authorization for the collection and use of personal information.
Site: Platforms operated by Go Prêt.
Services: Financial services offered under the Go Prêt brand.
Third Party: Any organization external to Sphinx Services Financiers Inc.
Identity Verification (KYC): Identification process used for compliance and fraud prevention purposes.
Privacy Incident: Unauthorized access, use, or disclosure of personal information.
Cookies: Files used to collect browsing information.
3. APPLICABLE LAWS
This Policy is governed by Quebec’s LPRPSP.
Where applicable:
- Residents of other provinces are governed by their provincial laws or PIPEDA;
- Residents of the European Union may be protected by the GDPR;
- Residents of California may be protected by the CCPA.
In case of conflict, the applicable law prevails.
4. CONSENT
By using the Site, you consent to the collection, use, and disclosure of your personal information in accordance with this Policy.
Consent is:
- obtained explicitly through our forms;
- separate depending on the purposes (credit, verification, marketing);
- free and informed.
5. PERSON RESPONSIBLE FOR PERSONAL INFORMATION PROTECTION
Sphinx Services Financiers Inc.
2001 Robert-Bourassa Boulevard, Suite 1700
Montreal, QC, H3A 2A6
Email: info@sphinxservicesfinanciers.ca
6. PERSONAL INFORMATION COLLECTED
We collect only the information necessary for our operations.
6.1 Information Provided Directly
- First and last name
- Contact details (email, phone, address)
- Date of birth
- Employment information
- Financial information and sources of income
6.2 Technical Information
- IP address
- Cookies
- Browsing data
- Activity logs
- Interactions with the Site
6.3 Identity Verification (KYC)
We conduct identity verification to:
- confirm user identity
- prevent fraud
- comply with legal obligations
These verifications may be carried out by us or by specialized providers.
7. WHAT PERSONAL INFORMATION WE COLLECT, WHY, AND HOW
Loan Applicant
We collect identification, employment, financial, banking information, and credit history.
This information is collected during your loan application, notably via our provider Fin Expert Inc. (“Flovver”, formerly “FinX”)(see Flovver’s privacy policy).
It is used to:
- identify you
- assess your creditworthiness
- verify your employment
- process your microcredit application
- process pre-authorized payments
- manage customer relationships
Reference Contact
We collect only identification data provided by you.
This information is used solely to contact you if we cannot reach you.
We assume you have obtained this person’s consent.
Site User
We collect technical data when you use our Site in order to:
- analyze usage
- improve services
- ensure security and performance
General Use
We use personal information for:
- granting and analyzing microcredit
- managing customer files
- fraud prevention
- business operations
- client communications
We may also use information for any other purpose permitted by law.
Access
Only authorized employees and service providers with a legitimate need may access personal information.
8. COLLECTION METHODS
We collect your information when you:
- submit a loan application
- use our Site
- interact with our services
9. USE OF PERSONAL INFORMATION
We use your personal information to:
- process credit applications
- manage customer relationships
- verify identity (KYC)
- prevent fraud
- improve our services
- communicate with you
- analyze Site performance
- conduct marketing (with consent)
10. DISCLOSURE OF PERSONAL INFORMATION
We may disclose your personal information to third parties when necessary to achieve the purposes described in this Policy or when required by law.
Service Providers and Partners
We may share your information with Fin Expert Inc. (“Flovver”, formerly “FinX”) (see Flovver’s privacy policy) and other providers to:
- assess creditworthiness
- process loan applications
- ensure technical and operational management
We may also use analytics or marketing providers.
These providers are required to protect your information and use it only for authorized purposes.
Professional Advisors
We may disclose your information to legal, financial, accounting, or other advisors to:
- comply with legal obligations
- obtain professional advice
- protect our rights
Government and Law Enforcement Authorities
We may disclose your information when:
- required by law
- a court order is issued
- necessary to prevent fraud or illegal activities
We always verify the legitimacy of requests before disclosure.
General Principle
We limit disclosure to parties with a legitimate need.
11. RETENTION OF INFORMATION
Information is retained only as long as necessary:
- Loan files: contractual and legal obligations
- KYC: compliance and fraud prevention
- Technical data: system security and improvement
- Marketing: until consent is withdrawn
Data is then destroyed or anonymized.
12. PROTECTION OF PERSONAL INFORMATION
We use appropriate security measures:
- SSL encryption
- restricted access
- internal controls
- confidentiality agreements
No method is completely secure.
13. TRANSFERS OUTSIDE QUEBEC
Information may be stored or processed outside Quebec.
A privacy impact assessment is conducted to ensure an adequate level of protection.
14. PRIVACY INCIDENTS
In the event of an incident:
- we assess the risk of harm
- we take corrective measures
- we notify the CAI if required
- we notify affected individuals when necessary
15. COOKIES
A cookie is a small text file stored on your device when you visit our Site. It allows us to recognize your browser and collect certain browsing information.
You can be notified when a cookie is installed or configure your browser to refuse some or all cookies. However, disabling cookies may affect certain features and limit your experience.
Types of Cookies Used
- Necessary cookies: Essential for the Site to function.
- Functional cookies: Improve features and interactions.
- Analytical cookies: Help understand usage and improve services.
- Performance cookies: Analyze and optimize Site performance.
- Advertising cookies: Used for relevant ads and campaign measurement (with consent).
Cookie Management
You can manage or disable cookies via your browser settings. Some features may not function properly if certain cookies are disabled.
Consent
On your first visit, a consent mechanism may be presented to accept or refuse certain categories of cookies in accordance with applicable laws.
16. USER RIGHTS
You may:
- access your information
- correct it
- delete it
- withdraw consent
- request data portability
- file a complaint with the CAI
17. MINORS
We do not knowingly collect information from individuals under 14 years of age.
18. THIRD-PARTY LINKS
We are not responsible for third-party sites accessible through our Site.
19. CHANGES
We may modify this Policy at any time. Significant changes will be posted on the Site or communicated by email.
20. CONTACT
Sphinx Services Financiers Inc.
info@sphinxservicesfinanciers.ca
21. GENERAL INFORMATION
For any questions or requests regarding this Policy, please contact the person responsible for personal information protection.