Privacy and Security policy

At 123approved.ca, we make it a priority to protect the personal information you provide to us. As part of our ongoing efforts to ensure that your rights are fully respected, we prepared, a code concerning the protection of personal information. We are committed to this privacy code as are all our employees, while offering you the opportunity to apply for credit to obtain an automobile loan through our network of participating auto dealers.

Personal information

Only agents authorized to process these inquiries will have access to the information provided. We use this information to evaluate your loan application, and to transfer this application to a participating auto dealer who can assist you in obtaining an auto loan. To be able to offer you these services, we require basic information about you. For example, your name, your date of birth, telephone number, address, income and employment are necessary. You are not required to disclose your social insurance number on our application. Although we do not receive nor consult your personal credit file, we will ask you whether or not you authorize our participating automobile dealer who is processing your loan application to receive the information from a consumer reporting agency (credit bureau). This step simply accelerates the process. The decision to not authorize the consultation of your personal credit file, does not affect your eligibility to receive our service. Your information will be forwarded to warranty, and insurance companies upon your participation in their respective programs. Our participating automobile dealers are also required to respect confidentiality and non-current files are systematically destroyed. We do not disclose or sell your information to non-affiliated third parties. 123approved.ca does not knowingly offer credit or any services to minors.

We destroy your personal information when no longer needed

The information provided will only be used for the present credit application. We keep your information only so long as we need it to supply you the services you have requested. We destroy your information when it is no longer needed.

Online application form

Once completed, the online forms you submit to obtain a service are stored on a secure server. This means the forms are secure and no data they contain can be intercepted by a third party. Your information is also protected when transmitted to our member dealers.


The messages you send via e-mail to 123approved.ca or from elsewhere in the Web site are not, generally speaking, secured during transmission. It is therefore important not to include any personal or confidential information in such messages. 123approved.ca cannot be held liable for any damages resulting from the interception, loss or modification of any e-mail message you send using these sections.

Links to third party Web sites

For your convenience, 123approved.ca provides links to the sites of third parties or parts of their sites. However, 123approved.ca has no control over the content or operation of these sites, nor does it control the confidentiality or privacy practices of the site operators. Consequently, any personal information you submit through such sites is governed by the privacy policies of the sites in question. It is therefore your responsibility to find out about their policies in order to protect information that concerns you.


We do not use cookies on our site. They identify your browser software when you move from site to site or page to page. This information can then be used to facilitate your access to a site and your ability to navigate within the site.

Your Acceptance of These Terms

By using this site and providing us with your information, you agree to the 123approved.ca Privacy and Security Policy. If you do not agree to this policy, please do not use our site.

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We are committed to your privacy please see our privacy statement here.