Privacy Policy

To ensure you have a complete understanding, we encourage you to read this Privacy Policy in its entirety. However, for your convenience, you can navigate to specific sections by clicking the relevant links below.

Last Updated: July 31, 2025

1. Introduction

This Privacy Policy for InScrivere Technologies, Inc. dba ScoopRate (“ScoopRate,” “we,” “us,” or “our”) describes our policies and procedures on the collection, use and disclosure of your information when you use our website and services (“Service”) and tells you about your privacy rights and how Canadian privacy law protects you. By using the Service, you agree to the collection and use of your information in accordance with this Privacy Policy.

You must not use this website or our Services if you do not accept this Privacy Policy. If you are providing us with another person’s information you should first ask them to read this Privacy Policy and our Terms of Use. By giving us information about another person you are confirming that they have given you consent to provide the information to us and that they understand how their details will be used.

2. Who we are

ScoopRate is a private company incorporated in Canada (InScrivere Technologies Inc. dba ScoopRate). We take our data protection responsibilities very seriously and as such, we are committed to protecting the privacy and security of your personal information in accordance with Canadian privacy laws.

We understand that the users of our Service will span across Canada and may include Canadian residents living abroad. Therefore, we commit to implement appropriate data protection standards in full compliance with the Personal Information Protection and Electronic Documents Act (PIPEDA), applicable provincial privacy legislation including the Personal Information Protection Act (PIPA) in Alberta and British Columbia, and Quebec’s Act Respecting the Protection of Personal Information in the Private Sector, as well as any other Canadian privacy laws and regulations that apply to our users.

3. The Information We Collect

Personal information you disclose to us

We collect personal information that you voluntarily provide to us when you register on the Services, express an interest in obtaining information about us or our products and Services, when you participate in activities on the Services, or otherwise when you contact us.

The personal information that we collect depends on the context of your interactions with us and the Services, the choices you make, and the products and features you use. The personal information we collect may include the following:

  • Names
  • Phone numbers
  • Email addresses
  • Usernames
  • Passwords
  • Contact or authentication data
  • Postal addresses (when required for service delivery)
  • Date of birth (for age verification purposes)

We do not process sensitive personal information without explicit consent. All personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes to such personal information.

Information automatically collected

We automatically collect certain information when you visit, use, or navigate the Services. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our Services, and other technical information. This information is primarily needed to maintain the security and operation of our Services, and for our internal analytics and reporting purposes.

Like many businesses, we also collect information through cookies and similar technologies.

The information we collect includes:

  • Log and Usage Data: Log and usage data is service-related, diagnostic, usage, and performance information our servers automatically collect when you access or use our Services and which we record in log files. Depending on how you interact with us, this log data may include your IP address, device information, browser type, and settings and information about your activity in the Services (such as the date/time stamps associated with your usage, pages and files viewed, searches, and other actions you take such as which features you use), device event information (such as system activity, error reports (sometimes called “crash dumps”), and hardware settings).
  • Device Data: We collect device data such as information about your computer, phone, tablet, or other device you use to access the Services. Depending on the device used, this device data may include information such as your IP address (or proxy server), device and application identification numbers, location, browser type, hardware model, Internet service provider and/or mobile carrier, operating system, and system configuration information.
  • Location Data: We collect location data such as information about your device’s location, which can be either precise or imprecise. How much information we collect depends on the type and settings of the device you use to access the Services. For example, we may use GPS and other technologies to collect geolocation data that tells us your current location (based on your IP address). You can opt out of allowing us to collect this information either by refusing access to the information or by disabling your Location setting on your device. However, if you choose to opt out, you may not be able to use certain aspects of the Services.

4. How We Use and Process Your Information

In accordance with PIPEDA and other applicable Canadian privacy laws, we use and process your personal information for the following identified purposes:

  • To provide, manage and administer the Services we provide to you
  • To communicate with you about our services, updates, and promotional offers (you can opt-out of promotional communications at any time)
  • To analyze usage data to improve the functionality and user experience of our Service
  • To comply with legal obligations or respond to law enforcement requests
  • To protect our rights, property, and the safety of our users
  • To process financial transactions and connect you with financial institutions as requested
  • To detect and prevent fraud and ensure the security of our Services

5. When and With Whom We Share Your Personal Information

We do not rent or sell your personal information to third parties. In compliance with PIPEDA, we will only share your personal information in circumstances where we are legally permitted to do so and with your consent where required. We may share your personal information in the following situations:

Service Providers: We may share your information with trusted third-party service providers who assist us in operating our website, conducting our business, or servicing you, as long as those parties agree to keep this information confidential and use it only for the specified purposes.

Financial Institutions: Upon your explicit request and consent, when you identify a financial rate on our website that you would like to take advantage of, we may share your relevant information with the respective financial institution. This is done solely for the purpose of facilitating a connection between you and the financial institution to proceed with the desired financial transaction.

Legal Requirements: We may share your information when required by law or to protect our rights. This includes sharing with law enforcement agencies, regulatory authorities, or other third parties when required by law, or to prevent and detect crime, including situations where fraud is suspected.

Corporate Transactions: In the event of a merger, acquisition, or sale of assets, your personal information may be transferred as part of that transaction, subject to appropriate privacy protections.

Note: Any such sharing of information will be conducted in accordance with applicable Canadian privacy laws and regulations, and we will take appropriate measures to ensure the confidentiality and security of your information.

6. Our Stance on Third-Party Websites

We value transparency in our practices to ensure a secure and trustworthy user experience. This includes our approach to third-party websites and advertisements featured on our platform.

a. Advertisements and Links

Advertisements on our website may include links to third-party websites. ScoopRate does not endorse or guarantee the content, products, or services offered by these third-party websites. Your interactions with these advertisements are solely between you and the advertiser.

b. Responsibility and Disclaimers

We are not responsible for the privacy practices, security, or content of third-party websites linked from our platform. ScoopRate disclaims any liability for the actions, policies, or practices of these websites. We encourage users to review the privacy policies of any third-party websites visited through links on our site.

c. Advertisement Tracking and User Caution

Some advertisers may use cookies or tracking technologies. ScoopRate does not control these technologies and disclaims any responsibility for them. Users are advised to exercise caution and review the privacy policies of third-party websites they visit through links on our platform.

d. Interactions with Advertisers

Any interactions, transactions, or disputes with advertisers found on our website are the sole responsibility of users. ScoopRate is not involved in these interactions and assumes no liability arising from them.

7. Use of Cookies and Other Tracking Technologies

We use cookies and similar tracking technologies to track the activity on our Service and store certain information. The technologies we use may include:

  • Cookies or Browser Cookies: A cookie is a small file placed on your device. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some parts of our Service.
  • Web Beacons: Certain sections of our Service and our emails may contain small electronic files known as web beacons that permit us to count users who have visited pages or opened emails and for other website statistics.

Cookies can be “Persistent” or “Session” Cookies. Persistent Cookies remain on your personal computer or mobile device when you go offline, while Session Cookies are deleted as soon as you close your web browser.

We use both Session and Persistent Cookies for the following purposes:

  • Necessary / Essential Cookies
    Type: Session Cookies
    Administered by: Us
    Purpose: These cookies are essential to provide you with services available through the Website and to enable you to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these cookies, the services that you have asked for cannot be provided, and we only use these cookies to provide you with those services.
  • Cookies Policy / Notice Acceptance Cookies
    Type: Persistent Cookies
    Administered by: Us
    Purpose: These cookies identify if users have accepted the use of cookies on the Website.
  • Functionality Cookies
    Type: Persistent Cookies
    Administered by: Us
    Purpose: These cookies allow us to remember choices you make when you use the Website, such as remembering your login details or language preference. The purpose of these cookies is to provide you with a more personal experience and to avoid you having to re-enter your preferences every time you use the Website.

By using our website, you consent to the use of cookies and tracking technologies as described in this policy. You can manage your cookie preferences through your browser settings. However, disabling certain cookies may impact your ability to use specific features of the site. If you have any questions or concerns about our use of cookies, please contact us at privacy@scooprate.com.

8. Retention of Your Information

In accordance with PIPEDA requirements, we will retain your personal information only for as long as necessary to fulfill the identified purposes for which it was collected, unless a longer retention period is required or permitted by law.

We will retain personal data to:

  • Comply with our legal obligations
  • Resolve disputes and enforce agreements
  • Maintain security and improve functionality of our Services

Usage data is generally retained for shorter periods unless used for security or functionality improvements, or when legally required for longer retention.

When personal information is no longer needed, we will securely dispose of or anonymize the data to prevent unauthorized access.

9. Information Security

We have implemented appropriate and reasonable technical and organisational security measures designed to protect the security of any personal information we process from unauthorised access, disclosure, alteration, and destruction.

However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cyber criminals, or other unauthorised third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. Although we will do our best to protect your personal information, transmission of personal information to and from our Services is at your own risk. You should only access the Services within a secure environment.

10. Information Pertaining to Minors

We do not knowingly solicit data from or market to children under 18 years of age. By using the Services, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor dependent’s use of the Services.

If we learn that personal information from users less than 18 years of age has been collected, we will take reasonable measures to promptly delete such data from our records. If you become aware of any data we may have collected from children under age 18, please contact us at privacy@scooprate.com.

11. Your Privacy Rights Under Canadian Law

Under PIPEDA and other applicable Canadian privacy laws, you have the following rights regarding your personal information:

  • Right of Access: You have the right to know what personal information we have about you and how it is used.
  • Right to Correction: You have the right to correct inaccurate or incomplete personal information.
  • Right to Withdraw Consent: Where we rely on your consent to process personal information, you have the right to withdraw that consent at any time.
  • Right to Complain: You have the right to file a complaint with the Privacy Commissioner of Canada if you believe we have violated your privacy rights.

To exercise these rights, please contact us at privacy@scooprate.com. We will respond to your request in accordance with applicable Canadian privacy laws, typically within 30 days.

12. International Data Transfers

If we transfer your personal information outside of Canada, we will ensure that appropriate safeguards are in place to protect your information in accordance with Canadian privacy law requirements.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to ensure compliance with applicable laws and reflect changes in our practices. Any material changes will be posted on this page, and the date of the latest revision will be indicated at the top of this policy.

We encourage you to review this Privacy Policy periodically. If changes significantly affect how we use your personal information, we will provide additional notice as required by law.

14. How to Contact Us

We are committed to protecting your privacy rights and personal information. If you have questions, comments, or complaints about this Privacy Policy or our privacy practices, you may contact us at privacy@scooprate.com.

You may also contact the Privacy Commissioner of Canada if you have concerns about our privacy practices:

Office of the Privacy Commissioner of Canada

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