Santander Consumer treats you and your account with respect. We make it a priority to use our security tools to keep your identity, your information and your account safe. Respect translates into assurance that you can confidently access your account anywhere at any time and know that your information is safe with us.
Protecting the personal information in our control is a responsibility Santander Consumer. ("Santander Consumer") takes very seriously.
This Privacy Policy describes how Santander Consumer collects, uses and discloses personal information in connection with its commercial activities in Canada. This Privacy Policy does not apply to personal information relating to an employee of Santander Consumer, as their personal information is dealt with in the Santander Consumer "Employee Privacy Policy."
If you are unsure if or how this Privacy Policy applies to you, please contact our Privacy Officer for more information.
Personal information means information about an identifiable individual.
We collect and maintain different types of personal information in respect of individuals with whom we interact. This includes:
In connection with the financing of a vehicle, Santander Consumer may collect personal information such as your name, address, birth date, Social Insurance Number, marital status, living arrangement (rent or own), employment situation (past and present), banking information, and credit information. While disclosing your social insurance number to us is not mandatory, we ask that you provide your social insurance number to assist us in identifying you and your credit records. Santander Consumer may also require the same information from any spouse, partner, or co-signer. We may collect personal information directly from you, or from third parties such as credit bureaus or credit reporting agencies or your vehicle dealer, employer, bank, references, landlord or mortgage holder. We may also collect insurance information from your insurer in order to verify compliance with insurance requirements under a Conditional Sales Contract. If you are in default under your Conditional Sales Contract, we may also track the location of your vehicle in accordance with the terms of that Contract.
The choice to provide Santander Consumer with personal information is always yours. However, your decision to withhold particular details may limit our ability to provide our credit services to you. If we are unable to accommodate your request based on the information that has been provided to us, we may ask for additional details in order to identify other ways to be of assistance. In some instances, Santander Consumer may also maintain a file containing contact history that is used for customer inquiry purposes. To help us better understand our markets, we may also gather information for analytical purposes by extracting demographic information from existing files.
Where permitted or required by applicable law or regulatory requirements, we may collect information about you without your knowledge or consent.
We collect your personal information so that we can communicate with you, process your application, and provide you with the services you have requested. Santander Consumer also collects personal information to enable us to manage and develop our business and operations, including:
We may also use your personal information without your knowledge or consent where we are permitted or required by applicable law or regulatory requirements to do so.
We may share personal information with our parent and affiliated companies in order to meet legal, regulatory and compliance requirements, including relating to the detection and prevention of money laundering, terrorist financing, fraud and other unlawful activities.
We share your personal information with our employees, contractors, consultants and other parties (including affiliates) who require such information to assist us with establishing, maintaining and managing our relationship with you, including third parties that provide services to us or on our behalf; third parties that collaborate with Santander Consumer in the provision of services to you; and, third parties whose services we use to perform our services. These services may include mailing, call center, billing, payment processing, marketing, information technology and/or data hosting or processing services. Some of these third parties may be located outside of Canada, including in the United States, Spain and Portugal and as a result, your personal information may be transferred, stored and processed outside of Canada for the purposes described in this Privacy Policy. While outside of Canada, personal information will be subject to applicable foreign laws, which may permit government, national security or regulatory authorities to access personal information in certain circumstances.
We may disclose your personal information on an ongoing basis to credit bureaus and credit reporting agencies for the purposes of maintaining your credit history. These organizations may also verify and ensure the completeness of the information, and share the information with local, provincial and national authorities in the investigation of unlawful or improper activities in order to protect you and us from fraudulent transactions.
In addition, personal information may be disclosed or transferred to another party in the event of a change in ownership of or the grant of security in all or a part of Santander Consumer through, for example, an asset sale, or some other form of business combination, merger or joint venture, provided that such party is bound by appropriate agreements or obligations and required to use or disclose your personal information in a manner consistent with the use and disclosure provisions of this Privacy Policy, unless you consent otherwise.
Further, your personal information may be disclosed:
We collect, use or disclose your personal information with your consent, except where collection, use or disclosure without consent is permitted or required by law. Depending on the sensitivity of the personal information, your consent may be implied or expressed, or may be obtained using an opt-out mechanism.
Typically, we will seek your consent at the time that we collect the personal information. In certain circumstances, your consent may be obtained after collection but prior to our use or disclosure of your personal information. If we plan to use or disclose your personal information for a purpose not previously identified (either in this Privacy Policy or separately), we will endeavor to advise you of that purpose before such use or disclosure.
We assume that, unless you advise us otherwise, by receiving a copy of this Privacy Policy or by continuing to deal with us, you have consented to the collection, use and disclosure of your personal information as explained in this Privacy Policy.
As we have described above, we may collect, use or disclose your personal information without your knowledge or consent where we are permitted or required to do so by applicable law or regulatory requirements.
You may change or withdraw your consent at any time, subject to legal or contractual obligations and reasonable notice, by contacting our Privacy Officer using the contact information set out below. For example, at any time you can withdraw your consent to our use or sharing of your personal information for marketing purposes. In some circumstances, a change in or withdrawal of consent may severely limit our ability to provide products or services to, or acquire products or services from, you. All communications with respect to such withdrawal or variation of consent should be in writing and addressed to our Privacy Officer.
Santander Consumer endeavours to maintain physical, technical and procedural safeguards that are appropriate to the sensitivity of the personal information in question. These safeguards are designed to prevent loss and unauthorized access, copying, use, modification or disclosure of personal information.
We retain personal information as long as it is reasonable to fulfil the purposes for which the information was collected or for legal or business purposes.
When you visit the Santander Consumer website, we do not collect information that could identify you personally unless you choose to provide it voluntarily. You are welcome to browse the website at any time without revealing any personal or financial information about yourself.
We endeavour to manage our server environment appropriately and to ensure firewall infrastructure is adhered to. Our security practices are reviewed on a regular basis and we endeavour to employ current technologies to protect the confidentiality and privacy of your information.
The Santander Consumer website uses Secure Socket Layer (SSL) and 128 bit encryption technologies to enhance security when you visit the secured areas of these sites. When you access your accounts or send information from secured areas of these sites, encryption will scramble your data into an unreadable format to inhibit unauthorized access by others.
To safeguard against unauthorized access to the Santander Consumer website, you are required to "sign-on" to certain secured areas of the Santander Consumer website using a user ID and a password. Both the user ID and password are encrypted when sent over the Internet.
The websites that are governed by the provisions and practices stated in this privacy policy are: https://www.santanderconsumer.ca, https://myaccount.santanderconsumer.ca
The Santander Consumer website may contain links to other third-party sites that are not governed by this privacy policy. Although we endeavour to only link to sites with high privacy standards, our Privacy Policy will no longer apply once you leave the Santander Consumer website. Additionally, we are not responsible for the privacy practices employed by other third-party websites. Therefore, we suggest that you examine the privacy statements of those sites to learn how your information may be collected, used, shared and disclosed.
The file containing your personal information will be maintained on our servers or those of our service provider. At Santander Consumer, decisions are made based on the information we have. Therefore, it is important that your personal information is as accurate, up to date, and complete as possible. To make a change to the personal contact information contained in your file, you may do one of the following:
You can ask to see the personal information that we hold about you, or to make any corrections in that information. If you want to review, verify or correct your personal information, please contact our Privacy Officer using the contact information set out below. Please note that such communication must be in writing.
When requesting an amendment in, or access to, your personal information, please note that we may request specific information from you to enable us to confirm your identity and right to amend or access, as well as to search for and provide you with the personal information that we hold about you. We may charge you a reasonable fee to access your personal information; however, we will advise you of any fee in advance. If you require assistance in preparing your request, please contact the office of our Privacy Officer.
Your right to access the personal information that we hold about you is not absolute. There are instances where applicable law or regulatory requirements allow or require us to refuse to provide some or all of the personal information that we hold about you. In addition, the personal information may have been destroyed, erased or made anonymous in accordance with our record retention obligations and practices.
In the event that we cannot provide you with access to your personal information, we will endeavour to inform you of the reasons why, subject to any legal or regulatory restrictions.
If you have questions or concerns regarding our privacy policies and practices, please call us at 1.888.486.4356.
If you have a concern or complaint about privacy, confidentiality or the personal information handling practices of Santander Consumer, our employees or service suppliers, please contact:
Santander Consumer Privacy Officer
#200, 4245 - 97 Street NW
Edmonton, AB
Phone: 1-888-486-4356
Fax: 1-888-486-7456
Email: privacyofficer@santanderconsumer.ca
This Privacy Policy may be updated or revised from time to time. We will make reasonable efforts to notify you of any changes to this Privacy Policy, such as by posting the updated Privacy Policy on our website at http://www.santanderconsumer.ca. You may determine when this policy was last updated by referring to the modification date found at the bottom of this Privacy Policy.
Updated as of January 2024
© 2023 Santander Consumer