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Privacy Policy

Last modified: December 03 2025

INTRODUCTION

Mapl Credit Inc. (“Mapl Credit,” “Mapl,” “we,” “our,” or “us”) provides financial-wellness products and services, including credit-building programs, rent-reporting services, credit monitoring, pre-approval tools, and related online services available through maplcredit.com (the “Website”).

We are committed to protecting your personal information and complying with all applicable privacy laws, including:

  • PIPEDA (Canada)

  • Québec Law 25

  • Any other provincial privacy requirements

This Privacy Policy explains:

  • What personal information we collect

  • How we use it

  • How we share and protect it

  • Your rights regarding your personal information

  • How to contact us

By using our Website or Services, you agree to the practices described in this policy.

We collect personal information only when necessary to provide you with our services, comply with legal obligations, and improve our platform.

2.1 Information you provide directly

You may provide the following personal information:

  • Full name

  • Email address

  • Phone number

  • Date of birth

  • Residential address

  • Monthly rent amount

  • Payment history you self-report

  • Passwords and login credentials

  • Information submitted through forms, chat, or customer support

  • Payment information (processed securely through Wix Payments, Stripe, or third-party providers — never stored by Mapl Credit)

  • Documents or information required for identity verification (if applicable)

We do not collect landlord information unless voluntarily provided.

Employment information is optional, not required.

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2.2 Information collected automatically

When you use our Website, we automatically collect:

  • IP address

  • Browser type and device information

  • Pages visited

  • Time spent on pages

  • Clicks, interactions, and website actions

  • Language preferences

  • Operating system

  • Referring URLs

This is standard for all websites and helps improve functionality and security.

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2.3 Cookies & Tracking Technologies

We use:

  • Cookies

  • Pixels (including Meta Pixel)

  • Web beacons

  • Session tracking

  • Analytics tools (Meta, Google, Wix, etc.)

These tools help us:

  • Measure Website performance

  • Improve advertising

  • Detect fraud

  • Understand how users interact with the Website

You may disable cookies at any time in your browser settings, but some Website features may not function.

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2.4 Information from third parties

We may receive information from:

  • Equifax Canada, when submitting rent-reporting data

  • Payment processors (e.g., Wix Payments, Stripe)

  • Advertising partners (Facebook/Meta, Google, TikTok)

  • Affiliate partners (e.g., loan referral networks)

  • Fraud-prevention and identity-verification providers (if used)

HOW WE USE YOUR INFORMATION

We use your personal information to:

To provide and operate our services

  • Create and manage your Mapl Credit account

  • Provide rent-reporting services to Equifax

  • Offer credit-building and financial tools

  • Provide credit monitoring (when applicable)

  • Deliver customer service and communication

To process payments

  • Billing

  • Subscription renewals

  • Refunds
    (All handled securely through third-party processors)

To communicate with you

  • Account updates

  • Payment confirmations

  • Service notifications

  • Fraud or verification alerts

For marketing & advertising

  • Serve relevant ads

  • Run retargeting campaigns

  • Measure ad performance

  • Improve customer acquisition

For legal and compliance

  • Prevent fraud

  • Meet legal obligations

  • Maintain accurate service records

HOW WE USE YOUR INFORMATION

We may use information that we collect about you or that you provide to us, including any personal information:

  • To present our Website and its contents to you.

  • To provide you with information, products, or services that you request from us.

  • To fulfill the purposes for which you provided the information or that were described when it was collected, or any other purpose for which you provide it.

  • To provide you with notices about your account/subscription, including expiration and renewal notices.

  • To carry out our obligations and enforce our rights arising from any contracts with you, including for billing and collection or to comply with legal requirements.

  • To notify you about changes to our Website or any products or services we offer or provide though it.

  • To improve our Website, products or services, marketing, or customer relationships and experiences.

  • To allow you to participate in interactive features, social media, or similar features on our Website.

  • To measure or understand the effectiveness of the advertising we serve to you and others, and to deliver relevant advertising to you.

  • In any other way we may describe when you provide the information.

  • For any other purpose with your consent.

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We may also use your information to contact you about our own and third-parties' goods and services that may be of interest to you, as permitted by law.

 

We may use the information we have collected from you to enable us to display advertisements to our advertisers' target audiences. Even though we do not disclose your personal information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria.

TRANSFERRING YOUR PERSONAL INFORMATION

We may transfer personal information that we collect or that you provide as described in this policy to contractors, service providers, and other third parties we use to support our business (such as analytics and search engine providers that assist us with Website improvement and optimization) and who are contractually obligated to keep personal information confidential, use it only for the purposes for which we disclose it to them, and to process the personal information with the same standards set out in this policy.

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We may process, store, and transfer your personal information in and to a foreign country, with different privacy laws that may or may not be as comprehensive as Canadian law. In these circumstances, the governments, courts, law enforcement, or regulatory agencies of that country may be able to obtain access to your personal information through the laws of the foreign country.

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By submitting your personal information or engaging with the Website, you consent to this transfer, storage, or processing.

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Choices About How We Use And Disclose Your Information

 

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:

  • Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. To learn how you can manage your Flash cookie settings, visit the Flash player settings page on Adobe's website. If you disable or refuse cookies, please note that some parts of this Website may not be accessible or may not function properly.

  • Promotional Offers from the Company. If you have opted in to receive certain emails from us but no longer wish to have your email address/contact information used by the Company to promote our own or third parties' products or services, you may unsubscribe by clicking the unsubscribe link we have included in the email. This opt-out does not apply to information provided to the Company as part of a product purchase, warranty registration, product service experience, or other transactions.

  • Targeted Advertising. We do not control third parties' collection or use of your information to serve interest-based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of several third party ad servers' and networks' cookies simultaneously by using an opt-out tool created by the Digital Advertising Alliance of Canada and / or an opt-out tool created by the Network Advertising Initiative. You can also access these websites to learn more about online behavioural advertising and how to stop websites from placing cookies on your device. Opting out of a network does not mean you will no longer receive online advertising. It does mean that the network from which you opted out will no longer deliver ads tailored to your web preferences and usage patterns.

DATA SECURITY

The security of your personal information is very important to us. We use physical, electronic, and administrative measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure.

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The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. We urge you to be careful about giving out information in public areas of the Website like message boards, which any Website visitor can view.

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Unfortunately, the transmission of information via the Internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.

DATA RETENTION

Except as otherwise permitted or required by applicable law or regulation, we will only retain your personal information for as long as necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements. Under some circumstances we may anonymize your personal information so that it can no longer be associated with you. We reserve the right to use such anonymous and de-identified data for any legitimate business purpose without further notice to you or your consent.

CHILDREN UNDER THE AGE OF 13

Our Website is not intended for children under 13 years of age. No one under age 13 may provide any information to the Website. We do not knowingly collect personal information from children under 13. If you are under 13, do not use or provide any information on this Website or on or through any of its features/register on the Website, make any purchases through the Website, use any of the interactive or public comment features of this Website, or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use.  If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us.

ACCESSING AND CORRECTING YOUR PERSONAL INFORMATION

It is important that the personal information we hold about you is accurate and current. Please keep us informed if your personal information changes. By law you have the right to request access to and to correct the personal information that we hold about you.

If you want to review, verify, correct, or withdraw consent to the use of your personal information you may also send us an email to request access to, correct, or delete any personal information that you have provided to us. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect. We may charge you a fee to access your personal information, however, we will notify you of any fee in advance.

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We may request specific information from you to help us confirm your identity and your right to access, and to provide you with the personal information that we hold about you or make your requested changes. Applicable law may allow or require us to refuse to provide you with access to some or all of the personal information that we hold about you, or we may have destroyed, erased, or made your personal information anonymous in accordance with our record retention obligations and practices. If we cannot provide you with access to your personal information, we will inform you of the reasons why, subject to any legal or regulatory restrictions.

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We will provide access to your personal information, subject to exceptions set out in applicable privacy legislation. Examples of such exceptions include:

  • Information protected by solicitor-client privilege.

  • Information that is part of a formal dispute resolution process.

  • Information that is about another individual that would reveal their personal information or confidential commercial information.

  • Information that is prohibitively expensive to provide.

 

If you are concerned about our response or would like to correct the information provided, you may contact us according to our contact information provided below.

 

If you delete your User Contributions from the Website, copies of your User Contributions may remain viewable in cached and archived pages or might have been copied or stored by other Website users.

WITHDRAWING YOUR CONSENT

Where you have provided your consent to the collection, use, and transfer of your personal information, you may have the legal right to withdraw your consent under certain circumstances. To withdraw your consent, if applicable, contact us. Please note that if you withdraw your consent we may not be able to provide you with a particular product or service. We will explain the impact to you at the time to help you with your decision.

CHANGES TO OUR PRIVACY POLICY

It is our policy to post any changes we make to our privacy policy on this page. If we make material changes to how we treat our users' personal information, we will notify you through a notice on the Website home page.

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We include the date the privacy policy was last revised at the top of the page. You are responsible for ensuring we have an up-to-date, active, and deliverable email address for you, and for periodically visiting our Website and this privacy policy to check for any changes.

CONTACT US

We welcome your questions, comments, and requests regarding this privacy policy and our privacy practices. Please contact us at:

​

Mapl Credit

Email: info@maplcredit.com

 

We have procedures in place to receive and respond to complaints or inquiries about our handling of personal information, our compliance with this policy, and with applicable privacy laws. To discuss our compliance with this policy please contact our Privacy Officer using the contact information listed above.

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PRIVACY POLICY — MAPL CREDIT INC. (ENGLISH)

Last Updated: December 2025
Effective Date: December 2025
Entity: Mapl Credit Inc. (NEQ 1180742901)
Website: maplcredit.com

1. Introduction

Mapl Credit Inc. (“Mapl Credit,” “we,” “our,” “us”) provides financial wellness services including credit-building programs, rent-reporting to Equifax, pre-approval tools, and credit monitoring. We are committed to protecting your personal information and complying with all applicable privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and Québec’s Law 25.

This Privacy Policy explains what personal information we collect, how we use it, how we share it, how we protect it, and the rights available to you.

By using our website or services, you agree to this Privacy Policy.

2. Information We Collect

2.1 Information You Provide

We collect personal information that you provide directly to us, which may include:

  • Full name

  • Email address

  • Phone number

  • Date of birth

  • Residential address

  • Monthly rent amount

  • Rent payment information that you self-report

  • Login credentials such as passwords

  • Information submitted through forms or customer support

  • Payment information (processed securely through Wix, Stripe, or other processors; never stored by Mapl Credit)

  • Identity verification information, if required

We do not collect landlord information unless voluntarily provided.
Employment information is optional.

2.2 Information Collected Automatically

When you visit or use our website, we automatically collect:

  • IP address

  • Browser and device details

  • Pages viewed and actions taken

  • Time spent on pages

  • Language preferences

  • Referring URLs

  • Operating system information

This information is used for security, analytics, advertising, and service improvement.

2.3 Cookies and Tracking Technologies

We use cookies, pixels (including Meta Pixel), web beacons, and analytics tools such as Wix Analytics, Google Analytics, and Meta Business Tools.

These technologies help us:

  • Improve website performance

  • Measure advertising results

  • Understand user behavior

  • Prevent fraud and unauthorized access

You may disable cookies in your browser settings, but doing so may affect certain website features.

2.4 Information from Third Parties

We may receive information from:

  • Equifax Canada (related to rent reporting or credit-building services)

  • Payment processors (Wix Payments, Stripe)

  • Advertising platforms (Meta, Google, TikTok)

  • Affiliate partners or lenders when applicable

  • Fraud prevention or identity verification services

3. How We Use Your Information

We use your personal information to:

Provide and operate our services

  • Create and manage your Mapl Credit account

  • Process rent-reporting submissions to Equifax

  • Offer credit-building tools and financial products

  • Provide credit monitoring if applicable

  • Deliver customer support

Process payments

  • Billing

  • Subscription renewals

  • Refunds issued at our discretion

Communicate with you

  • Account information

  • Service updates

  • Security alerts

  • Customer support communication

Advertising and marketing

  • Display relevant advertisements

  • Measure and improve advertising performance

  • Run remarketing and conversion tracking campaigns

Legal and compliance

  • Prevent fraud

  • Meet regulatory obligations

  • Maintain internal records

4. Use of Meta Pixel and Advertising Tools

Mapl Credit uses Meta Pixel and Meta Business Tools to measure the performance of our advertising campaigns and improve user experience.

Meta Pixel may collect:

  • Website actions (page views, form submissions, purchases)

  • Hashed identifiers such as email and phone number (encrypted before being shared)

  • Device and browser data

  • Conversion events

By using our website, you consent to data collection by Meta in accordance with Meta’s Data Policy.
You may adjust advertising preferences through your Facebook account.

5. Sharing Your Information

We do not sell your personal information.

We may share it with:

5.1 Equifax Canada

For rent reporting and credit-builder services.

5.2 Service Providers

Such as:

  • Wix (hosting and platform services)

  • Stripe / Wix Payments

  • Customer service platforms

  • Analytics providers

  • Fraud prevention tools

5.3 Advertising Partners

Including Meta, Google, and TikTok for analytics, measurement, and advertising optimization.

5.4 Legal Requirements

We may disclose information to comply with legal obligations, court orders, or fraud investigations.

6. International Transfers

Some service providers may operate outside Canada.
We take reasonable steps to ensure data transferred internationally remains protected according to Canadian and Québec privacy standards.

7. Data Security

We implement administrative, technical, and physical safeguards, such as:

  • Encryption

  • Access controls

  • Secure payment processing

  • Regular monitoring

Although no system is entirely risk-free, we take reasonable measures to protect your information.

8. Data Retention

We retain personal information only for as long as necessary to:

  • Provide services

  • Meet legal requirements

  • Resolve disputes

  • Maintain internal records

You may request deletion of your data at any time.

9. Children’s Privacy

Our website is not intended for children under 13, and we do not knowingly collect information from them.

10. Your Rights (Including Québec Law 25)

You have the right to:

  • Access your personal information

  • Request corrections

  • Request deletion

  • Withdraw consent

  • Request the source of collected information

  • Receive a portable copy of your data

Québec residents also have the right to:

  • Request information about automated decision-making

  • Know which third parties receive their data

  • Request details about data transferred outside Québec

We will respond within required legal timeframes.

11. Withdrawing Consent

You may withdraw consent to:

  • Marketing communications

  • Cookie usage

  • Analytics tracking

  • Meta Pixel data collection

Withdrawal may limit some website functionality.

12. Changes to This Policy

We may update this Privacy Policy periodically.
If major changes are made, a notice will be posted on the website or sent by email.

13. Contact — Privacy Officer

Privacy Officer – Mapl Credit Inc.
Email: info@maplcredit.com
Website: maplcredit.com

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