Last Updated: January 19, 2026
This Privacy Policy (“Policy”) describes how 22Cred Inc., a corporation duly incorporated under the laws of Canada (“Company,” “we,” “us,” or “our”), collects, uses, processes, stores, and discloses personal information.
This Policy applies to your access to and use of the 22Cred Platform, including our website located at 22cred.com, dashboards, APIs, online forms, communications, and all related services (collectively, the “Services”).
This Policy forms an integral and binding part of our Terms and Conditions of Use and is incorporated therein by reference. Capitalised terms not defined in this Policy have the meanings given in the Terms and Conditions.
By accessing or using the Services, you provide your irrevocable, informed, and unconditional consent to the practices described herein.
This Policy is governed by the laws of Canada, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and any applicable provincial privacy legislation.
By:
using the Services
submitting credit enquiries, personal or financial information, or supporting documents
communicating with us electronically
clicking any button or checkbox indicating acceptance
you expressly consent to the collection, use, disclosure, storage, and cross-border transfer of your personal information in accordance with this Policy.
You acknowledge that without this consent, we may be unable to provide access to the Services.
We collect personal and operational information necessary to operate a digital credit facilitation platform, including but not limited to the following:
Full name
Date of birth
Government-issued identification (where required for verification or compliance)
Email address
Telephone number(s)
Residential or mailing address
Income and employment details
Bank account or payment identifiers (where required for verification)
Credit-related information voluntarily submitted by you
Supporting financial documentation
⚠️ 22Cred does not store full debit or credit card numbers on its servers.
IP address
Device identifiers
Browser type and operating system
Log files, timestamps, referral sources, and interaction data
Cookies and similar tracking technologies
Emails, messages, enquiries, and support correspondence
Any content, documents, or information voluntarily submitted through the Platform
We use collected information strictly for legitimate business and operational purposes, including:
To operate and maintain the Platform
To assess and process credit enquiries
To facilitate digital connections between Users and independent third-party lenders or credit providers
Internal record keeping
Data analysis, service optimisation, and system improvement
Fraud detection, prevention, and risk assessment
Service-related notifications
Administrative messages
Support responses
Marketing or promotional communications (where permitted by law)
Compliance with Canadian laws and regulatory obligations
Responding to lawful requests from courts or authorities
Enforcing our Terms and Conditions and related agreements
You expressly acknowledge and consent that we may disclose your personal information to:
Independent, unaffiliated lenders or financial service providers for the purpose of evaluating or responding to your credit enquiry.
22Cred does not guarantee approval, funding, or terms.
Including IT hosting providers, analytics services, customer support platforms, identity verification services, and payment processors.
Where required by Canadian law, subpoena, court order, or governmental request.
In the event of a merger, acquisition, restructuring, or sale of assets, personal information may be transferred as part of that transaction.
⚠️ 22Cred does not sell personal data.
Your personal information may be transferred to and processed in jurisdictions outside Canada, including locations where third-party lenders or service providers operate.
You expressly consent to such transfers and acknowledge that:
Data protection laws in foreign jurisdictions may differ from Canadian standards
Such transfers may be necessary to facilitate credit enquiries or platform operations
We take reasonable steps to ensure overseas recipients handle data in a manner consistent with this Policy
We implement commercially reasonable administrative, technical, and organisational safeguards to protect personal information, including access controls and secure infrastructure.
However, you acknowledge that:
No system is completely secure
Electronic transmission carries inherent risk
To the maximum extent permitted by Canadian law, 22Cred disclaims liability for unauthorised access, data breaches, or loss resulting from events beyond our reasonable control.
We retain personal information only for as long as:
necessary to provide Services
required for operational, legal, or regulatory purposes
needed to resolve disputes or enforce agreements
Information may be retained beyond active use where required under Canadian law.
Subject to applicable law, you may request:
access to personal information we hold about you
correction of inaccurate or outdated information
Requests must be made in writing and may require identity verification.
We reserve the right to refuse requests that are unreasonable, excessive, repetitive, or unlawful.
We use cookies and similar technologies to:
operate core platform functionality
analyse usage patterns
improve user experience
Disabling cookies may limit Platform functionality.
We reserve the exclusive right to modify this Policy at any time.
Changes take effect immediately upon publication on the Platform.
Continued use of the Services constitutes binding acceptance of the revised Policy.
For privacy-related enquiries or formal requests, contact:
Legal & Compliance Department
22Cred Inc.
Email: help@22cred.com
Subject: “Privacy Policy Inquiry”
By using the Platform, you confirm that you:
have read and understood this Privacy Policy
consent to all data handling practices described herein
acknowledge the inherent risks of digital credit platforms and electronic data processing
