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PRIVACY POLICY

Last Updated: January 19, 2026

  1. Introduction

This Privacy Policy (“Policy”) describes how 4Dred 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 4Dred Platform, including our website located at 4Dred.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.

  1. Legal Framework and Consent

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.

  1. Information We Collect

We collect personal and operational information necessary to operate a digital credit facilitation platform, including but not limited to the following:

3.1 Personal Identification Information

  • Full name
  • Date of birth
  • Government-issued identification (where required for verification or compliance)

3.2 Contact Information

  • Email address
  • Telephone number(s)
  • Residential or mailing address

3.3 Financial and Credit Information

  • Income and employment details
  • Bank account or payment identifiers (where required for verification)
  • Credit-related information voluntarily submitted by you
  • Supporting financial documentation

⚠️ 4Dred does not store full debit or credit card numbers on its servers.

3.4 Technical and Usage Data

  • IP address
  • Device identifiers
  • Browser type and operating system
  • Log files, timestamps, referral sources, and interaction data
  • Cookies and similar tracking technologies

3.5 Communications Data

  • Emails, messages, enquiries, and support correspondence

3.6 User-Generated Content

  • Any content, documents, or information voluntarily submitted through the Platform
  1. How We Use Your Information

We use collected information strictly for legitimate business and operational purposes, including:

4.1 Provision of Services

  • 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

4.2 Operational and Business Purposes

  • Internal record keeping
  • Data analysis, service optimisation, and system improvement
  • Fraud detection, prevention, and risk assessment

4.3 Communications

  • Service-related notifications
  • Administrative messages
  • Support responses
  • Marketing or promotional communications (where permitted by law)

4.4 Legal and Compliance Purposes

  • Compliance with Canadian laws and regulatory obligations
  • Responding to lawful requests from courts or authorities
  • Enforcing our Terms and Conditions and related agreements
  1. Disclosure of Information

You expressly acknowledge and consent that we may disclose your personal information to:

5.1 Third-Party Lenders and Credit Providers

Independent, unaffiliated lenders or financial service providers for the purpose of evaluating or responding to your credit enquiry.
4Dred does not guarantee approval, funding, or terms.

5.2 Service Providers

Including IT hosting providers, analytics services, customer support platforms, identity verification services, and payment processors.

5.3 Legal and Regulatory Authorities

Where required by Canadian law, subpoena, court order, or governmental request.

5.4 Business Transfers

In the event of a merger, acquisition, restructuring, or sale of assets, personal information may be transferred as part of that transaction.

⚠️ 4Dred does not sell personal data.

  1. Cross-Border Data Transfers

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
  1. Data Security

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, 4Dred disclaims liability for unauthorised access, data breaches, or loss resulting from events beyond our reasonable control.

  1. Data Retention

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.

  1. Your Rights 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.

  1. Cookies and Tracking Technologies

We use cookies and similar technologies to:

  • operate core platform functionality
  • analyse usage patterns
  • improve user experience

Disabling cookies may limit Platform functionality.

  1. Changes to This Privacy Policy

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.

  1. Contact Information

For privacy-related enquiries or formal requests, contact:

Legal & Compliance Department
4Dred Inc.
Email: help@4dred.com
Subject: “Privacy Policy Inquiry”

Final Acknowledgment

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