Privacy Policy

Captain Cash, a division of Opal Financial, is committed to protecting the privacy and personal information of its clients and website visitors. This Privacy Policy describes our practices for collecting, using, disclosing, and safeguarding personal information.

Captain Cash is subject to the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation.

Identity and contact information

• Legal first and last name, date of birth, and sex
• Residential address and postal code
• Phone number and email address
• Government-issued identification numbers (SIN, driver's licence) for identity verification

Financial and employment information

• Employer name, address, and length of employment
• Monthly net income and income source
• Bank account details for direct deposit verification and pre-authorized debit setup
• Bank statements and transaction history to assess repayment capacity

Technical and behavioural information

• IP address, browser type, and operating system (collected automatically)
• Pages visited, time on page, and navigation patterns
• Cookie data (see Section 6)

We collect personal information only for the following purposes:

• To evaluate your eligibility for a loan
• To verify your identity and the accuracy of information provided
• To set up and administer your loan account
• To process loan disbursements and collect repayments
• To comply with applicable laws and regulatory requirements
• To detect and prevent fraud
• To send promotional communications (with your consent)

We will not collect personal information beyond what is necessary for these stated purposes without your explicit consent.

Captain Cash uses personal information in the normal course of its lending business, including to:

• Assess your loan application using our internal eligibility criteria
• Verify your employment, income, and banking information
• Disburse approved loan funds via Interac e-Transfer
• Collect scheduled repayments via pre-authorized debit
• Communicate with you regarding your account, payments, and any issues
• Assess renewal eligibility for returning customers

With your consent, we may also use your contact information to send promotional material about Captain Cash services. You may withdraw this consent at any time (see Section 10).

Captain Cash does not sell personal information. We may share your information only in the following limited circumstances:

Service providers

Third-party service providers (payment processors, IT services, business administration) who access only the information necessary for their specific function, bound by confidentiality obligations.

Verification and underwriting

Financial institutions, employers, and references you have provided in order to verify your application details.

Collections

Licensed collection agencies or legal counsel if your account becomes delinquent.

Legal requirements

Government authorities, regulators, or courts as required by applicable law.

Our website uses cookies — small text files stored on your device — to improve your experience and gather aggregate usage statistics.

You can control or disable cookies through your browser settings. Disabling certain cookies may affect website functionality. Aggregate navigation data does not identify individual users.

Captain Cash uses physical, electronic, and procedural safeguards that meet or exceed industry standards:

• Encrypted data transmission (TLS/SSL) for all online interactions
• Secure, access-controlled servers with restricted physical and electronic access
• Regular security testing and vulnerability assessments
• Employee training on privacy obligations and data handling
• Data backup procedures to protect against loss

We retain personal information for as long as necessary to fulfill the purposes for which it was collected, including:

• The duration of your loan agreement and any renewal periods
• Additional periods required to resolve disputes or comply with legal obligations
• Periods required by financial services regulations, tax law, and anti-money laundering requirements

When personal information is no longer required, it is securely destroyed or anonymized. Data is stored at our Halifax, Nova Scotia offices and/or with our Canadian-based service providers.

Right of access

You have the right to request access to the personal information we hold about you. We will respond within 30 business days of a written request.

Right of correction

If you believe information we hold about you is inaccurate or incomplete, you have the right to request that it be corrected or updated.

Right of withdrawal

You have the right to withdraw consent to the collection, use, or disclosure of your personal information. However, withdrawal may result in our inability to provide certain services. Consent for an active loan agreement remains valid until all obligations are fully discharged.

Right to complain

If you are not satisfied with our response to a privacy concern, you have the right to file a complaint with the Office of the Privacy Commissioner of Canada at priv.gc.ca or 1-800-282-1376.

By submitting a loan application, you consent to receiving promotional material and newsletters from Captain Cash. You may withdraw this consent at any time by:

• Clicking the "Unsubscribe" link in any marketing email
• Emailing [email protected] with "Unsubscribe" in the subject line
• Calling 1-888-226-1026 during business hours

Please allow up to 10 business days for your request to take effect. Withdrawing consent to marketing does not affect transactional communications related to your loan account.

For any privacy-related questions, concerns, or requests — including access, correction, or withdrawal of consent:

This Privacy Policy is periodically reviewed and updated. The effective date of the current version is shown at the top of this document. Continued use of Captain Cash services following any update constitutes your acceptance of the revised policy.