Terms of Use and Personal Information Protection Policy

It is your responsibility to carefully read these Terms of Use as well as the Privacy Policy of Services S&L Lease Financing. By providing information to Services S&L when utilizing our website’s features or engaging Services S&L’s services, you agree to be bound by all the terms of these conditions of use and Services S&L’s policy on personal information protection. If you do not agree to abide by these terms, please refrain from accessing our website.

Protection of Collected Personal Information

At Services S&L Lease Financing, we place the utmost importance on the confidentiality and protection of your personal information. This Privacy Policy details how we collect, use, disclose, and safeguard your personal information within the framework of our equipment financing and leasing services. Please read this policy carefully to understand our practices and your rights regarding your personal information.

Types of Personal Information Collected

We collect personal information such as your name, address, contact details, date of birth, Social Insurance Number (SIN), and financial details. Within the scope of our financing brokerage activities, we transmit this information to our lending partners. Your Social Insurance Number (SIN) is utilized solely for identification purposes. You have the choice whether or not to provide your SIN, as it is optional when submitting your credit application.

Data Processing via Technological Tools

Personal information transmitted through our website may be stored or processed using secure third-party platforms, notably our Zoho CRM and web traffic analytics tools (e.g., Google Analytics). These tools are used exclusively for the purposes outlined in this policy and are never used for resale or unauthorized data sharing.

Why We Collect Your Information

The information we collect and transmit to our funding partners is used for the following purposes:

• Confirming your identity;
• Verifying your creditworthiness and financial profile;
• Delivering equipment financing and/or leasing services;
• Promoting products and services offered by Services S&L and our affiliated partners.

By submitting a form on our website, you consent to the collection and use of your personal information in accordance with this policy.

We retain personal information only for the duration necessary to achieve the purposes for which it was gathered, unless a longer retention period is required by applicable law or necessary for legal and administrative purposes.

Sharing and Disclosure of Information

We never sell your personal information to third parties. Your personal information is essential to maintaining our business relationship with you. We disclose personal information solely under the following circumstances:

• To our agents, suppliers, financial underwriters, and service providers within the context of transactions you have initiated;
• If personal information forms an integral part of an asset or business entity that we sell or transfer;
• To protect our legal rights, property, and security;
• To credit reporting and credit rating agencies;
• To prevent fraud, mitigate credit risks, or resolve security concerns;
• To our affiliates, to inform you about products and services that may help you achieve your financial goals;
• When disclosure is legally required or permitted by applicable law;
• When you request or explicitly consent to the disclosure of such information.

Use of Cookies and IP Addresses

Our website collects IP (Internet Protocol) addresses for system administration, aggregate demographic tracking, and monitoring site usage. We generally do not link an individual’s IP address to identifiable personal information. This means user sessions are tracked anonymously on our end. However, we may use IP addresses to identify users when deemed necessary to enforce compliance with our Terms of Use, to comply with legal obligations, or to safeguard our services, website, and users.

We use cookies to personalize your browsing experience and facilitate form submissions. You can choose to accept or decline cookies by adjusting your browser settings. Please note that disabling cookies may affect site performance and prevent certain features from functioning as intended.

User Rights (Quebec Law 25)

In accordance with Quebec’s Law 25 (Act to modernize legislative provisions as regards the protection of personal information), any individual whose personal information we collect holds the following rights:

• Right of access to their personal information;
• Right of rectification in the event of inaccurate, outdated, or incomplete information;
• Right of withdrawal of consent or erasure of personal data, where permitted by law.

These rights can be exercised by contacting our designated Privacy Officer.

Questions and Inquiries

At Services S&L, your privacy concerns are paramount, and we are committed to maintaining the highest privacy standards.

For any questions, requests for access or rectification, or privacy concerns regarding your personal data, you may contact our designated Person Responsible for the Protection of Personal Information (Privacy Officer):

Laura Desruisseaux — Assistant Director & Privacy Officer
Email: ldesruisseaux@servicessetl.com
Phone: 819-575-0717

Services S&L
Email: info@servicessetl.com
Phone: 819-575-0717
33 King Street West, Sherbrooke, QC, J1H 1N5