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Your privacy matters to us

Privacy PolicyHow we collect, use, and protect your data

Soyra is committed to protecting your personal information. This policy explains what data we collect, how we use it, and the safeguards we have in place.

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About this policy

Who we are and what this covers

Soyra is a payday loan referral and information service operating across Canada since 2015. We connect borrowers with lenders and provide financial information to help you make informed decisions.

This Privacy Policy describes how Soyra collects, uses, discloses, and protects your personal information when you visit our website, use our services, or contact us. It applies to all interactions with Soyra, whether online or offline.

We comply with applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and equivalent provincial legislation. If you have questions about this policy, contact our privacy team using the details at the end of this page.

Information we collect

What personal data do we gather

We collect information you provide directly and data generated when you use our services.

  • Contact information: name, email address, phone number, postal code
  • Financial details: employment status, income range, loan amount needed, banking information for funding
  • Device and usage data: IP address, browser type, pages visited, time spent on site
  • Communication records: messages, inquiries, and customer service interactions
  • Identification information: age verification and other details required by lenders and regulators
How we use your information

Why we collect and process your data

Your personal information is used to deliver our referral service, improve our platform, and comply with legal obligations.

  • Match you with lenders who may offer payday loans suited to your situation
  • Process your loan application and facilitate funding via Interac e-Transfer
  • Verify your identity and assess eligibility according to lender requirements
  • Communicate with you about your application, updates, and service changes
  • Improve our website, user experience, and service quality
  • Comply with anti-fraud, anti-money-laundering, and other regulatory requirements
  • Respond to legal requests and enforce our terms of service
How we protect your data

Security and safeguards

Soyra uses industry-standard security measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction.

We employ encryption, secure servers, firewalls, and access controls to safeguard sensitive data. Our team members are trained on privacy and security practices and access your information only when necessary to provide our services.

While we implement robust protections, no online system is completely secure. We encourage you to use strong passwords, keep your contact information current, and report any suspicious activity to us immediately.

We retain your personal information only as long as necessary to provide our services and comply with legal obligations. Retention periods vary by data type and legal requirement.

Sharing your information

Who has access to your data

We share your personal information only when necessary to deliver our service or comply with law.

  • Lenders: We share your application details with payday lenders to process your loan request
  • Service providers: Third parties who help us operate our website, process payments, and deliver services
  • Legal compliance: Government agencies, regulators, and law enforcement when required by law
  • Business transfers: If Soyra is acquired or merged, your information may be transferred as part of that transaction
  • Your consent: We may share information when you explicitly authorize us to do so
Your rights and choices

Control over your personal information

You have rights regarding your personal data. Here is how you can exercise them.

  • Access: Request a copy of the personal information we hold about you
  • Correction: Ask us to update or correct inaccurate information
  • Deletion: Request removal of your data, subject to legal retention obligations
  • Opt-out: Unsubscribe from marketing communications by following links in our emails
  • Portability: Request your information in a portable format
  • Withdrawal of consent: Withdraw your consent to processing at any time
Important disclosures

Additional privacy information

Cookies and tracking: Our website uses cookies and similar technologies to enhance your experience, remember preferences, and analyze usage. You can control cookies through your browser settings.

Third-party links: Our website may contain links to external sites. We are not responsible for their privacy practices. Review their policies before sharing information.

Children: Our services are not directed to anyone under 18 years of age. We do not knowingly collect data from minors.

International transfers: If your information is transferred outside Canada, it remains subject to this Privacy Policy and applicable Canadian law.

Policy updates: We may update this Privacy Policy from time to time. We will notify you of material changes by email or by posting the updated policy on our website.

Common Questions

Frequently asked questions

How do I access or request my personal information?
Contact our privacy team at the email or mailing address provided at the end of this policy. Include your full name and account details. We will respond to your request within 30 days or as required by law.
Will Soyra sell or share my information with marketers?
No. We do not sell your personal information to third parties for marketing purposes. We share your data only with lenders to process your loan application, with service providers who assist us, or when required by law.
How long do you keep my personal information?
We retain your information only as long as necessary to provide our services and meet legal obligations. Typically, we keep application data for a minimum of six years for compliance purposes, but you can request deletion subject to legal requirements.
What if I want to delete my account and data?
You can request account deletion and data removal by contacting our privacy team. Please note that we may retain certain information as required by law or to resolve disputes, but we will delete non-essential data.
How is my banking information protected?
Your banking details are encrypted and transmitted securely to process Interac e-Transfer funding. We use industry-standard security protocols and do not store your full banking credentials on our servers longer than necessary.
Can I opt out of marketing emails?
Yes. Every marketing email includes an unsubscribe link. Click it to remove yourself from our mailing list. You may still receive transactional emails about your application or account.
What happens if there is a data breach?
If a breach occurs that may affect your privacy, we will notify you as required by law. We will also inform relevant regulators and take steps to mitigate harm and prevent future incidents.
How do I contact Soyra about privacy concerns?
Email us at [email protected] or write to our privacy officer at the mailing address listed below. You also have the right to file a complaint with your provincial privacy regulator or the Office of the Privacy Commissioner of Canada.

Questions about your privacy?

Contact our privacy team. We are here to answer your questions and address your concerns about how we handle your personal information. Your privacy is our priority.

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