PRIVACY POLICY
Last updated: May 2026
CreditHealth.ca | info@credithealth.ca | Quebec, Canada
1. WHO WE ARE
CreditHealth.ca ("CreditHealth," "we," "us," or "our") is a financial education membership platform operated from Quebec, Canada. We offer cashback-style member rewards, financial literacy tools, and educational resources. We are not a lender or financial institution.Questions? Contact us at info@credithealth.ca
2. INFORMATION WE COLLECT
We collect only what we need to provide and improve our membership services:
Personal Information: full name, email address, phone number, mailing address, and payment/billing information processed securely via third-party payment processor.
Verification Information: bank account information collected during the bank verification step, used solely to confirm membership eligibility. We do not store full banking credentials.
Usage Information: pages visited, features used, device type, browser, IP address, and engagement with educational content.We never sell your personal information to third parties.
3. HOW WE USE YOUR INFORMATION
We use your information to process and manage your membership, deliver cashback rewards and member benefits, provide access to your portal and educational content, send membership updates and support communications, and comply with our legal obligations. We do not use your information for credit decisions, credit reporting, or any lending-related purpose.
4. LEGAL BASIS & CONSENT (PIPEDA / LAW 25)
We operate in compliance with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and Quebec's Law 25. By enrolling, you consent to the collection and use of your personal information as described here. You may withdraw consent at any time by contacting info@credithealth.ca.
5. EMAIL COMMUNICATIONS (CASL)
All commercial emails include clear sender identification, a valid mailing address, and a working unsubscribe link. You may unsubscribe from marketing emails at any time. Transactional emails related to your active membership will continue regardless of marketing preferences.
6. SHARING YOUR INFORMATION
We do not sell, rent, or trade your personal information. We share it only with service providers who help us operate our platform (bound by confidentiality agreements), regulatory authorities when required by law, or parties with your explicit consent.
7. DATA RETENTION
We retain your information for as long as your membership is active and for a reasonable period afterward to fulfill obligations or comply with legal requirements. When no longer needed, data is securely deleted or anonymized.
8. YOUR RIGHTS
As a Quebec or Canadian resident, you have the right to access, correct, or request deletion of your personal information, withdraw consent, and lodge a complaint with the Commission d'accès à l'information (CAI) of Quebec or the Office of the Privacy Commissioner of Canada (OPC). Contact info@credithealth.ca — we respond within 30 days.
9. SECURITY
We use reasonable technical and organizational measures to protect your information. Payment information is processed through encrypted, PCI-compliant systems. We do not store full payment card details.
10. COOKIES
Our website uses cookies to improve your experience and analyze traffic. You may control cookie preferences through your browser settings. Continued use of credithealth.ca constitutes consent to our use of cookies.
11. CHANGES TO THIS POLICY
We may update this policy from time to time. The "Last updated" date at the top will reflect any changes. Continued use of our platform following an update constitutes acceptance.
12. CONTACT
CreditHealth.ca
Email: info@credithealth.ca
Quebec, Canada
Last updated: May 2026
CreditHealth.ca | info@credithealth.ca | Quebec, Canada
1. WHO WE ARE
CreditHealth.ca ("CreditHealth," "we," "us," or "our") is a financial education membership platform operated from Quebec, Canada. We offer cashback-style member rewards, financial literacy tools, and educational resources. We are not a lender or financial institution.Questions? Contact us at info@credithealth.ca
2. INFORMATION WE COLLECT
We collect only what we need to provide and improve our membership services:
Personal Information: full name, email address, phone number, mailing address, and payment/billing information processed securely via third-party payment processor.
Verification Information: bank account information collected during the bank verification step, used solely to confirm membership eligibility. We do not store full banking credentials.
Usage Information: pages visited, features used, device type, browser, IP address, and engagement with educational content.We never sell your personal information to third parties.
3. HOW WE USE YOUR INFORMATION
We use your information to process and manage your membership, deliver cashback rewards and member benefits, provide access to your portal and educational content, send membership updates and support communications, and comply with our legal obligations. We do not use your information for credit decisions, credit reporting, or any lending-related purpose.
4. LEGAL BASIS & CONSENT (PIPEDA / LAW 25)
We operate in compliance with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and Quebec's Law 25. By enrolling, you consent to the collection and use of your personal information as described here. You may withdraw consent at any time by contacting info@credithealth.ca.
5. EMAIL COMMUNICATIONS (CASL)
All commercial emails include clear sender identification, a valid mailing address, and a working unsubscribe link. You may unsubscribe from marketing emails at any time. Transactional emails related to your active membership will continue regardless of marketing preferences.
6. SHARING YOUR INFORMATION
We do not sell, rent, or trade your personal information. We share it only with service providers who help us operate our platform (bound by confidentiality agreements), regulatory authorities when required by law, or parties with your explicit consent.
7. DATA RETENTION
We retain your information for as long as your membership is active and for a reasonable period afterward to fulfill obligations or comply with legal requirements. When no longer needed, data is securely deleted or anonymized.
8. YOUR RIGHTS
As a Quebec or Canadian resident, you have the right to access, correct, or request deletion of your personal information, withdraw consent, and lodge a complaint with the Commission d'accès à l'information (CAI) of Quebec or the Office of the Privacy Commissioner of Canada (OPC). Contact info@credithealth.ca — we respond within 30 days.
9. SECURITY
We use reasonable technical and organizational measures to protect your information. Payment information is processed through encrypted, PCI-compliant systems. We do not store full payment card details.
10. COOKIES
Our website uses cookies to improve your experience and analyze traffic. You may control cookie preferences through your browser settings. Continued use of credithealth.ca constitutes consent to our use of cookies.
11. CHANGES TO THIS POLICY
We may update this policy from time to time. The "Last updated" date at the top will reflect any changes. Continued use of our platform following an update constitutes acceptance.
12. CONTACT
CreditHealth.ca
Email: info@credithealth.ca
Quebec, Canada