At GC Crédit-Bail Québec Inc., GC Leasing Ontario Inc., GL Leasing British Columbia Inc. (collectively "Grenke"), we are committed to maintaining the accuracy, confidentiality and security of your personal information.
With the following information, we would like to give you an overview of how we process your personal information, what specific data is processed in detail, and how it will be used depends on the requested or agreed services.
You can reach our data protection officer at:
GC Leasing Ontario Inc.
5600 Explorer Drive, Suite 302
Mississauga, Ontario, L4W 4Y2
Attention: Data Protection Officer
GC Crédit-Bail Québec Inc.
4605 boulevard Lapinière, Suite 280
Brossard, QC J4Z 3T5
Attention: Data Protection Officer
GL Leasing British Columbia Inc.
138 East 13th Street, Unit 360
North Vancouver, BC V7L 0E5
Attention: Data Protection Officer
We process personal information that we receive from our customers as part of our business relationship. In addition, we process – as far as necessary for the provision of our services and permitted under applicable law – personal information that we might collect from publicly accessible sources (e.g. debtor directories, land registers, trade and association registers, press, internet) or that was obtained from our distribution partners or from other third parties (e.g. a credit agency).
Relevant personal information includes:
a. For the fulfilment of contractual obligations
Personal information is processed in order to provide financial services as part of the execution of our contracts with our customers or to carry out pre-contractual actions, which are carried out upon request. The purposes of doing so are primarily geared towards the specific product or service and may include, but are not limited to, needs analysis, consulting and to perform transactions. Further details on the purposes of processing personal information can be found in the relevant contract documents and terms and conditions.
b. As part of the balance of interests
As far as necessary, we process your personal information beyond the actual fulfilment of the contract for the protection of our legitimate interests or those of third parties, in particular:
c. On the basis of your consent
Insofar as you have given us your consent to process your personal information for specific purposes (e.g., disclosure of data within the Group, analysis of payment transaction data for marketing purposes and/or creditworthiness check), the legality of this processing is assured on the basis of your consent. Consent that has been issued can be withdrawn at any time. The withdrawal of consent does not affect the legality of the data processed until the revocation.
d. Based on legal requirements, legitimate interests or in the public interest
In addition, we may be subject to various legal obligations (e.g., banking laws, money laundering laws and tax laws). The purposes of the processing of your personal information include, but are not limited to (i) verification of your identity and/or age; (ii) prevention of fraud and money laundering; (iii) the fulfilment of tax auditing; (iv) reporting obligations to Equifax; and (v) the assessment and management of risks.
Your personal information may be disclosed:
In particular, we may also share your personal information with our employees, contractors, consultants, affiliates, and other parties who require such information to assist us with managing our relationship with you, including: (i) third parties that provide services to us; and (ii) third parties that assist Grenke in the provision of services to you. For example, we may share your personal information from time to time with our third party information technology, data processing and payment processing service providers so that we may operate our business. We may also share your personal information with:
We may also share your personal information to our affiliates in order for them to contact you for the purposes of establishing or managing a business relationship with you.
Accordingly, your personal information may be transferred to the European Union as well as the United States, potentially accessible to law enforcement and national security authorities of that jurisdiction.
Unless otherwise stated, we process your data on our website either to action your request or based on our legitimate interests as follows:
a. Usage data
Every time you access a webpage and retrieve a file, this process automatically saves general data to a log file. The storage is exclusively system-related and is purely for statistical purposes or to report criminal offences in exceptional circumstances.
We use this data to improve our websites and to present content tailored to your interests on various sites on the internet and on multiple devices. As part of this process, usage data is not merged with personalized data. Should you decide to provide us with your personal information, this data will be backed up securely during the entry process. The same applies to the storage in our system. For security reasons, we store your IP address. This can be accessed in case of a legitimate interest.
We do not save your browser history. A transfer of data to third parties or any other evaluation does not take place, unless there is a legal obligation to do so.
In detail, the following data record is saved for each access:
b. Contact forms
In order to be able to give you the best possible advice as part of a request via our contact forms, the appropriate Grenke company that is best suited to respond to your request will be identified after inquiring about your specific interest at the top of the page. If you contact us (e.g. via contact forms), the designated company will save your data in order to process your request or in case any further correspondence is required. If several companies are listed there, they will process your personal information jointly. Further information on joint controllership can be obtained by sending an e-mail to any of the Grenke company using the contact information in Section 1 above.
If you expressly agree to be contacted by e-mail, telephone or post within the scope of the contact form, you grant Grenke (and its affiliates, including GRENKE AG, GRENKE Business Solutions GmbH & Co. KG, GRENKEFACTORING GmbH and GRENKE BANK AG) the opportunity to inform you in future by telephone, e-mail or post about current products and services, in the selected category. We may also store your personal information for the purpose of sending you our newsletter. In addition, we store your IP address and the date of your registration in order to be able to prove your newsletter subscription in case of doubt. You can object to the use of your personal information for advertising purposes at any time or unsubscribe from the newsletter at any time by clicking on the unsubscribe link in the footer of the newsletter.
Within the framework of our contact forms, we work with the Eloqua, a service of the provider ORACLE Nederland B.V., Hertogswetering 163, 3543 AS Utrecht, P.O. Box 40387, 3504 AD Utrecht, The Netherlands. For further information on the use of Eloqua, please refer to the additional notes under subsection (g) below.
The personal information provided during registration will only be used by us to enable you to use our services.
We collect the following data for the registration process:
Subject to your consent, we are happy to inform you about our latest news by sharing our newsletter with you.
In order to receive our newsletter, you must provide us with your name and e-mail address. You can also enter and submit further optional information. After you have submitted your e-mail address, you will receive an e-mail from us to the e-mail address you have specified, in which you must click a confirmation link to verify the e-mail address you provided.
Your personal information will be stored by us for the purposes of sending our newsletter. In addition, we store your IP address and the date of your registration in order to be able to prove the newsletter subscription (in case of doubt). In order to measure the success of our newsletter, we may collect data on whether the newsletter is opened, when it is opened and which links are clicked.
For the delivery of our newsletter, we work with the Eloqua service of the provider ORACLE Nederland B.V., Hertogswetering 163, 3543 AS Utrecht, P.O. Box 40387, 3504 AD Utrecht, The Netherlands. Newsletters sent with the help of Eloqua use tracking technologies. We use this data primarily to find out which topics are of interest to you by tracking whether our emails are opened and which links you click on. We may also use this information to improve the e-mails we send you and the services we provide, and to link them to existing tracking or profiling information. We will not be able to track your emails if you have disabled the display of images in your email program by default. In this case, however, the newsletter will not be displayed in full and you may not be able to use all the features. If you display the images manually, the above-mentioned tracking will take place. For further information on using Eloqua, please refer to the additional notes under subsection (g) below.
You can unsubscribe from the newsletter at any time by clicking the unsubscribe link at the bottom of the newsletter.
aa) General information
In order to make your visit to our websites more pleasant and to enable the use of certain functions, we use so-called cookies on various sites. These are small text files that are stored on your device. Some of the cookies we use are deleted after the end of the browser session, i.e. after closing your browser (so-called session cookies). Other cookies remain on your device and allow us or our affiliates to recognize your browser on your next visit (so-called persistent cookies).
Cookies cannot access other files on your computer or identify your email address.
cc) Storage of cookies
The essential, functional and statistical cookies are stored on the basis of our legitimate interests for the optimization and design of our website.
Cookies are stored for marketing purposes on the basis of the user's consent. These cookies are therefore only set if the user agrees to the storage by issuing their consent to the cookie notification on the website.
dd) Deactivating and deleting cookies
The setting you choose on the first visit in response to the cookie notification will be saved. The selected settings can be adjusted here in the Privacy Settings at any time.
Most browsers are otherwise set to automatically accept cookies. If the default settings for cookies are stored in your browser, all processes run in the background without any notifications. However, you can change these settings at any time.
You can set your browser so that you are informed about the setting of cookies and can decide on a case-by-case basis whether they are to be accepted or deactivated for specific cases or in general.
ee) Overview of the cookies we use
Essential cookies are required in order to be able to use our website as they enable basic functions such as site navigation and access to secure areas of the website. The website may not work properly without these cookies.
Technical cookie for the load balancer
Functional cookies allow a website to store information that has already been entered (such as preferred language), and to provide the user with enhanced, more personalized features. Functional cookies are used for instance to enable requested functions such as playing videos. These cookies collect anonymised information; they cannot track your movements on other websites.
These cookies collect information that is either used to track the interests of our customers respectively our website users and to help improve the experience on their websites or to help us understand how our products and services are used.
Statistical cookies collect information about the use of a website – such as the user’s most frequently visited pages and whether the user receives error messages when using a website. These cookies do not store information that allows the user to be identified. The information gathered is pooled and therefore evaluated anonymously. These cookies are used exclusively to improve a website's performance and thus the user experience.
Used to send data about the device and the visitor's behaviour to PIWIK.
30 minutes – 1 year
Session and permanent cookie
To detect if a visitor has deliberately deactivated tracking.
Cookies for marketing purposes
Cookies for marketing purposes are used to play targeted advertisements relevant to the user and adapted to their interests. They are also used to limit the frequency of an ad and to measure the effectiveness of advertising campaigns. They register whether you have visited a website or not. This information may be shared with third parties, such as advertisers. Cookies to improve targeting and advertising are often linked to third-party site functionalities.
These cookies enable behavioural advertising and analysis of Facebook
These cookies enable behavioural advertising and analysis of Instagram.
These cookies enable behavioural advertising and analysis on the Google AdWords platform.
30 days–2 years
These cookies enable behavioural advertising and analysis of LinkedIn
These cookies enable behavioural advertising and analysis of Twitter.
These cookies collect information that is either used to track the interests of our customers' users and to help improve the experience on their websites or to help us understand how our products and services are used.
These cookies enable behavioural advertising and analysis within the context of email marketing and measuring the effectiveness of email advertising.
f. Range analysis using Piwik
If you consent, we may use Piwik, a software for statistical evaluation of user access.
You can revoke your consent to this data processing as follows:
g. Use of Eloqua
We use the Eloqua service to collect statistical data about the use of our website, to send our newsletters and to optimize our services accordingly. The Eloqua servers of the supplier ORACLE Nederland B.V., Hertogswetering 163, 3543 AS Utrecht, P.O. Box 40387, 3504 AD Utrecht, Netherlands are located in the EU.
If you enter personal information (e.g. in the contact form) during your visit to the website, these data will be processed with the usage behavior in order to offer you content on the website and in our newsletter that is geared to your interests, as well as to be able to send you news and information about our company or our range of services based on your data, which are geared to your individual interests. For this purpose, it is technically necessary that we combine your accrued and given data in user profiles and evaluate them for the aforementioned purposes. This is done internally and only for the aforementioned purposes.
The information generated by the cookie about your use of this website is transferred to a server and stored there. On our behalf, Eloqua uses this information to evaluate your use of the website and to compile reports on website activity. If you wish to prevent the use of Eloqua cookies or the evaluation of usage behavior on your device in the future, this is possible via the following link: Eloqua Opt-Out.
h) Integration of social media plug-ins
We are currently using the following social media plug-ins: Facebook, Instagram, Twitter, LinkedIn.
When you visit a page that contains such a plug-in, the browser will connect to the social media providers' servers and provide the information that you have accessed the corresponding sub-page of our website. In addition, the data referred to in paragraph 6a of this declaration will be transmitted, whereby in the case of Facebook, according to the respective providers in Germany, only an anonymous IP is recorded. This happens regardless of whether you have an account with this plug-in provider and are logged in there. If you are logged in to the plug-in provider, this data will be assigned directly to your account. If you click the button, the plug-in provider also stores this information in your user account and informs your contacts publicly. If you do not want your profile to be linked with the plug-in provider, you must log out before clicking the button.
The plug-in provider stores this data as usage profiles and uses it for the purposes of advertising, market research and/or tailored website design. Such an evaluation is carried out in particular (also for non-logged-in users) to present needs-based advertising and to inform other users of the social network about your activities on our website. You have a right to object to the formation of these user profiles; but you must contact the respective plug-in provider to exercise them.
For more information on the purpose and scope of the data collection and its processing by the plug-in provider, please refer to the privacy statements of these providers, which can be found below. You will also find further information about your rights and settings options to protect your privacy here.
Addresses of the respective providers and URLs with their privacy policies:
i) Integration of Google Maps
We process and store other personal information as long as it is necessary for the fulfilment of our contractual and legal obligations. It should be noted that our business relationship is a continuing obligation, which is designed to last for years. If the data is no longer required for the fulfilment of contractual or legal obligations, it is regularly deleted, unless its - temporary - further processing is necessary for the following purposes:
Grenke endeavors to maintain physical, technical and procedural safeguards that are appropriate to the sensitivity of the personal information in question. These safeguards are designed to prevent your personal information from loss and unauthorized access, collection, use, disclosure, copying, modification, disposal or destruction. Unfortunately, we cannot guarantee complete security: for example, (i) unauthorized access, use, or disclosure, (ii) hardware or software failure, and (iii) other events may compromise the security of your personal information at any time.
The security of your personal information is important to us, please advise our Data Protection Officer immediately of any incident involving the loss of or unauthorized access to or disclosure of personal information that is in our custody or control.
As part of our business relationship, you must provide the personal information required in order to enter into a business relationship and perform its associated contractual obligations, or the personal information that we are required to collect by law. Without this information, we will generally not be able to conclude or execute the contract with you.
In particular, according to applicable laws, we may be obligated to identify you (or verify your identity) prior to entering into a business relationship with you on the basis of your identification document and to record and save your name, place of birth, date of birth, nationality, address and identification data. In order for us to be able to fulfil this legal obligation, you must provide us with the necessary information and documents and immediately notify us of any changes during the course of the business relationship. If you do not provide us with the necessary information and documents, we may not be able to enter into or continue your desired business relationship with us.
In principle, we do not use any fully automated decision-making processes in order to justify or maintain a business relationship with you. If we do use these procedures in individual cases, we will inform you about this separately, if required by law.
We sometimes process your data automatically with the aim of evaluating certain personal aspects (profiling). For example, we use profiling in the following cases:
It is important to us that we collect, use or disclose your personal information where we have your consent to do so. Depending on the sensitivity of the personal information, your consent may be implied, deemed (using an opt-out mechanism) or express. Express consent can be given orally, electronically or in writing. Implied consent is consent that can reasonably be inferred from your action or inaction. For example, when you enter into an agreement with us, we will assume your consent to the collection, use and disclosure of your personal information for purposes related to the performance of that agreement and for any other purposes identified to you at the relevant time.
We may collect, use or disclose your personal information without your knowledge or consent where we are permitted or required to do so by applicable law or regulatory requirements.
You may change or withdraw your consent at any time, subject to legal or contractual obligations and reasonable notice, by contacting our Data Protection Officer using the contact information set out below. All communications with respect to such withdrawal or variation of consent should be in writing and addressed to our Data Protection Officer. In certain circumstances, the withdrawal of consent may render us unable to continue to provide products or services where the collection, use or disclosure of your personal information is necessary to provide the product or service.
2. Direct advertising purposes
In individual cases, we process your personal information in order to perform direct advertising. You have the right to object at any time to the processing of personal information concerning you for such advertising, which includes profiling to the extent that it is related to such direct advertising.
If you object to the processing for direct advertising purposes, your personal information will no longer be processed for such purposes.
You can withdraw your consent to this by sending a correspondingly worded letter to any of the Grenke companies using the contact information in Section 1 above.