Hatch LABS Inc., along with its Parent Company and Affiliated Entities - Consent for personal data processing
Please take note of the following information:
To utilize the services, you must undergo a verification process. This process entails capturing and processing biometric data from your face and documenting it using a camera, instant bank verification (IBV), and, where applicable, credit bureau verification.
Hatch LABS Inc. and its affiliates retain personal data only for the duration stipulated by the company that provides the services you wish to use.
If you need more comprehensive details about your data, please do not hesitate to submit a request to info@hatchlabs.app or refer to the Service Provider policy.
To access services provided by the Service Provider, I hereby grant consent for Hatch LABS Inc. and its affiliates to receive and process my data. This includes my biometric data obtained from remote identification procedures involving the capture or recording of live images of my face, personal identity, or identifying documents, as well as pertinent personal data obtained from the population registry. Such data encompasses, but is not limited to, images of my face, name, surname, nationality, gender, personal code, date of birth, document numbers, dates of issue and validity, my signature, and the subsequent transfer of this data to the Service Provider.
I acknowledge that Hatch LABS Inc. and/or its affiliates are the data controllers responsible for processing my data, including my biometric data, as specified in this consent. Subsequently, the outcomes will be relayed to the Service Provider. Also, I understand and agree with the possibility of HATCH LABS retaining my previously obtained identification data for an extended period.
I am apprised of my right to request detailed information about my data by contacting info@hatchlabs.app. Furthermore, I affirm the accuracy and validity of all personal data I provide for remote identification purposes and the authenticity and validity of the identification document I utilize for this purpose.
Upon submission of this request, you hereby acknowledge and consent to the extension of credit in your name, as well as the disbursement of funds for yourself and any authorized users indicated on this application. Furthermore, you retain the option to renew or modify your credit periodically.
By submitting this application, you affirm the accuracy and completeness of the information provided. Additionally, you agree to furnish any further information upon request. In the event of multiple credit products being available to you, you assert the capacity to select the product that best aligns with your requirements. Conversely, if limited to acquiring a single credit product, it shall be deemed your choice. It is imperative to note that specific offers and services may be encompassed within the credit product.
Consent for Credit Review: You acknowledge and consent to our potential conduct of a credit inquiry based on the credit product in which you express interest. We may utilize the information you provided alongside data obtained from external sources, including credit reporting agencies.
Upon submission of this application and subsequent credit approval, you acknowledge and accept any applicable annual fees on record, if applicable.
Following the approval of your credit application, a written agreement will be furnished to you prior to the issuance, re-issuance, or modification of credit.
All applicants must be of legal age, as defined by the majority in their respective state or territory.
Type of website: Lending
Effective date: 1st day of June 2024
(the "Site") is owned and operated by 9518-2663 Québec Inc., doing business as Hatch LABS Inc., along with its Parent Company and Affiliated Entities
admin@hatchlabs.app
(514) 453-6784
9900 Blvd Cavendish, suite 103, Ville St-Laurent, Quebec, H4M 2V2
9518-2663 Québec Inc. doing business as Hatch LABS Inc., along with its Parent Company and Affiliated Entities hereinafter defined as HATCH.
HATCH offers various financial services, including Personal Loans and secured loans. HATCH is a leading full-service provider of goods and alternative financial services that improve the lives of everyday Canadians.
HATCH is committed to responsible lending and absolute transparency regarding rates and fees. We were hoping you could read the fine print before you borrow money from us. We allow free early repayments on unsecured loans and payment protection plans to help save you interest, protect you, and get you out of debt sooner.
* HATCH offers mortgages and secured/unsecured Personal and Business Loans in the province of Quebec and the rest of Canada.
9518-2663 Québec Inc., doing business as Hatch LABS Inc., along with its Parent Company and Affiliated Entities (collectively, "HATCH," "we," "us," or "our") have provided this Privacy Policy to describe our personal information handling practices and to assure you of our continuing commitment to take steps to protect all personal information that we hold in the course of commercial activities. "Personal information," as used in this Privacy Policy, means information about an identifiable individual. Unless you are a resident of Canada, this Privacy Policy does not apply to an individual's business contact information where collected, used, or disclosed solely to communicate with the individual about their business, employment, or profession.
A cookie is a small file stored on a user's hard drive by a website to collect data about the user's browsing habits. You can choose to be notified each time a cookie is transmitted. You can also choose to disable cookies entirely in your internet browser, which may decrease the quality of your user experience.
We use the following types of cookies on our Site:
We only collect data that helps us achieve the purpose set out in this Privacy Policy. Without first notifying you, we will not collect additional data beyond the data listed below.
When you visit and use our Site, we may automatically collect and store the following information:
We may also collect the following data when you perform certain functions on our Site:
Data collected on our Site will only be used for the purposes specified in this Privacy Policy or indicated on the relevant pages of our Site. We will not use your data beyond what we disclose in this Privacy Policy.
The purpose of this privacy policy (this "Privacy Policy") is to inform users of our Site of the following:
This Privacy Policy applies in addition to the terms and conditions of our Site.
HATCH collects and uses personal information for purposes limited to those related to its businesses, including providing financial under its loan agreements. We collect personal information primarily from you, for instance, through applications and supporting documentation you provide. We may also collect personal information about you through your ongoing interactions with us, from references, employers, and other financial institutions you have identified in your application, credit bureaus, and other third-party sources. For example, we may collect personal information from credit bureaus to locate you and collect outstanding debts. In connection with loan agreements, we may also collect personal information from credit bureaus to verify your current and ongoing creditworthiness and other information you may provide us.
We may collect and use personal information for purposes such as, but not limited to, the following:
HATCH limits the amount and type of personal information collected to that necessary for our identified purposes, and we collect personal information by fair and lawful means.
Personal information that we collect includes:
HATCH may disclose personal information in several circumstances, including:
In addition to the above, personal information may be shared between our affiliates or subsidiaries for internal audit, management, billing, or administrative purposes, including defending and bringing legal action. In the course of fulfilling the purposes described above, HATCH may transfer your personal information to service providers, including affiliates or other third-party organizations or individuals retained by HATCH to perform functions on its behalf, such as marketing, data processing, customer service, office, security, collections, insurance, financial and taxation services. When personal information is transferred to service providers, we use contractual or other means to ensure a comparable level of protection. Some of our service providers may be outside Canada, including the United States. They will be subject to applicable legal requirements in the country where they are located, including lawful requirements to disclose personal information to government authorities in certain circumstances.
HATCH may also use and disclose personal information in connection with the proposed or actual financing, securitization, insuring, sale, assignment, or other disposal of all or part of our business or assets (including your loan or lease and any agreement to which it relates), to evaluate and/or perform the proposed transaction. Assignees or successors of our business or assets may use and disclose your personal information for purposes similar to those described in this Policy.
HATCH may disclose your personal information as necessary to meet legal, regulatory, insurance, audit, and security requirements, with your consent, or as permitted or required by law.
We utilize the most advanced browser encryption to ensure your security and store all data in secure facilities. Only our employees have access to the data, and they are bound by strict confidentiality agreements. Any breach of this agreement would result in the employee's termination.
While we take all reasonable precautions to ensure that user data is secure and that users are protected, the risk of harm always remains.
HATCH uses reasonable safeguards and other security standards to protect all personal information in its custody and control against loss or theft, as well as unauthorized access, disclosure, copying, use, or modification, regardless of the format in which the information is held. Safeguards will vary depending on the sensitivity, format, location, and storage of personal information. Only authorized employees, agents, partners, and third parties who require access to personal information to fulfill their job requirements will have access to personal information.
User data will be stored for 30 days or more.
We cannot guarantee the security of user data beyond what is reasonably practical.
We may disclose user data to any member of our organization who reasonably needs access to user data to achieve the purposes set out in this Privacy Policy.
Third parties will not be able to access user data beyond what is reasonably necessary to achieve the given purpose.
We will not sell or share your data with other third parties except in the following cases:
If you follow hyperlinks from our Site to another Site, please note that we are not responsible for and have no control over their privacy policies and practices.
HATCH may establish and maintain a file containing an individual's personal information for the abovementioned purposes, which will be accessible at our offices. Individuals have the right to request access to or correct their personal information held by HATCH. Requests must be made in writing and addressed to HATCH's Privacy Officer using the contact information set out at the end of this Policy. We will respond to written requests within a reasonable time. Copies of records containing personal information may be subject to a fee. If this is the case, HATCH will inform the individual of the amount of the fee in advance. We will do our best to ensure that personal information is as accurate, complete, and up-to-date as necessary for the identified purposes. If an individual successfully demonstrates the inaccuracy or incompleteness of personal information, we will amend the information as required. Suppose we refuse access to personal information or disagree with an assertion that information we hold is incorrect. In that case, we will provide a written explanation for such refusal and a description of our complaints procedure should an individual decide to challenge such written explanation. An individual's right to access or correct personal information is subject to applicable legal restrictions. To prevent fraudulent access to the personal information stored by HATCH, we may take reasonable steps to verify an individual's identity before granting access or making corrections.
HATCH does not guarantee the confidentiality of any communications you make via e-mail or otherwise through our websites. If you wish to provide information of a confidential or sensitive nature to HATCH, please contact us directly by telephone at 514 453-6784 to arrange for the delivery/transmission of such information by secure means.
We use cookies and other tracking technologies to improve your website experience, facilitate the online application process, and for internal research and reporting purposes. A "cookie" is a bit of information that a website sends to your web browser that helps the site remember information about you and your preferences, such as your IP address and the website pages you visit. You can set your browser to notify you when you receive a cookie or to refuse cookies altogether. If you reject cookies, however, you may be unable to use certain features of our website, view ads based on past visits, or report or interact with ad impressions.
Our website may contain links to other websites of interest. These other websites are not governed by our Privacy Policy, and we are not responsible for any personal information you provide while visiting them. We encourage you to read the privacy policy of every website you visit.
In compliance with Google's advertising policies, we use Google AdWords’ Search Engine Marketing (Pay-per-click) and Display Advertising (Remarketing and Google Display Network). We use Google AdWords Remarketing in compliance with the Google AdWords Interest-Based Advertising Policy, which means that you may see our advertisements on Google and other third-party websites on the internet after visiting our website.
We use Google Analytics for Display Advertising, including Remarketing, Google Analytics Demographics and Interest Reporting, Google Display Network Impression Reporting, and the DoubleClick Campaign Manager integration. You have the option to opt out of Google Analytics for Display Advertising and customize Google Display Network ads.
We use the data collected through Google Analytics Demographics and Interest Reporting to better understand our website visitors in terms of demographics and interests, to improve our website content to cater to our audience, and to customize advertisements based on our audience's interests and demographics.
By using our Site, users agree that they consent to:
Consent to collect, use, and disclose personal information may be given in various ways.
Consent can be express or implied. In some circumstances, where notice has been provided to you about our intentions concerning your personal information, and you have not withdrawn consent, you will be considered to have consented for the purposes identified and described to you. By submitting personal information to HATCH or its service providers and agents, you consent to the collection, use, and disclosure of such personal information as described in this Privacy Policy or otherwise at the time of collection. Suppose you provide HATCH or our service providers and agents with the personal information of another individual. In that case, it is your responsibility to obtain consent from such person to enable us to collect, use, and disclose such information for the purposes outlined in this Privacy Policy. Subject to legal or contractual requirements and reasonable notice, you may withdraw your consent at any time by contacting HATCH's Privacy Officer using the contact information set out at the end of this Privacy Policy. If you withdraw your consent, we may be limited or unable to provide you with certain services or information.
In certain circumstances, as permitted or required by law, we may collect, use, or disclose personal information without the knowledge or consent of the individual. These circumstances include but are not limited to personal information that is publicly available as defined by regulation, where the collection is clearly in the interests of the individual and consent cannot be obtained in a timely way, where disclosure is made to collect a debt owed to us; or to comply with a subpoena, warrant or court order.
The minimum age to use our website is 18. We do not knowingly collect or use personal data from children under 13. If we learn that we have collected personal data from a child under 13, the data will be deleted as soon as possible. If a child under 13 has provided us with personal data, their parent or guardian may contact our privacy officer.
HATCH has appointed a Privacy Officer to oversee compliance with this Privacy Policy and applicable privacy laws. Any questions related to the Privacy Policy or the handling of personal information by HATCH can be addressed directly to the Privacy Officer at:
Email: admin@hatchlabs.app
Phone: (514) 453-6784
Address: 9900 Blvd Cavendish, suite 103, Ville St-Laurent, Quebec, H4M 2V2
If you would like to know if we have collected your personal data, how we have used your personal data, if we have disclosed your personal data, and to whom we disclosed your personal data, or if you would like your data to be deleted or modified in any way, please get in touch with our privacy officer here:
Email: admin@hatchlabs.app
Phone: (514) 453-6784
Address: 9900 Blvd Cavendish, suite 103, Ville St-Laurent, Quebec, H4M 2V2
If you are dissatisfied with our response to a privacy-related matter, you may contact the Office of the Privacy Commissioner of Canada at 1-888-502-3279 or your provincial privacy regulator, as applicable.
This Privacy Policy may be amended from time to time to comply with the law and reflect any changes to our data collection process. When we amend this Privacy Policy, we will update the "Effective Date" at the top of this Privacy Policy. We recommend that our users periodically review our Privacy Policy to ensure they are notified of any updates. If necessary, we may notify users by email of changes to this Privacy Policy.
We reserve the right to modify this Privacy Policy at any time. If we make a change to this Policy, we will post such changes on our website located at www.FirstMIC.Credit.
If you have any questions, concerns, or complaints, you can contact our privacy officer:
Email: admin@hatchlabs.app
Phone: (514) 453-6784
Address: 9900 Blvd Cavendish, suite 103, Ville St-Laurent, Quebec, H4M 2V2