Privacy Policy
Effective date: September 5, 2026
Caranto Auto Finance (“Caranto,” “we,” “our,” or “us”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, retain, and protect personal information when you visit https://www.caranto.ca/, contact us, or submit a vehicle-financing application.
1. Personal Information We Collect
Depending on how you interact with us, we may collect:
• Identity and contact information, such as your name, date of birth, marital status, phone number, email address, and residential address.
• Residence and employment information, such as housing status, monthly housing payment, employer, occupation, length of employment, and income.
• Vehicle and financing preferences, such as desired vehicle, budget, down payment, trade-in details, estimated credit range, and information about a bankruptcy or consumer proposal that you choose to provide.
• Communications and consent records, including questions, comments, application details, and your consent selections.
• Technical and usage information, such as browser or device information, IP address, pages visited, and analytics or cookie data.
Social Insurance Number (SIN)
Providing your Social Insurance Number (SIN) through the dedicated masked field in our public application is optional. If you choose to enter it, the full SIN is not included in the standard email notification generated by the form. You may leave the field blank and provide your SIN directly to a Caranto representative through an appropriate secure process.
2. How We Use Personal Information
We may use personal information to:
• Review and respond to your financing request.
• Assess your stated needs and match your application with participating dealerships, lenders, and service providers.
• Contact you by phone, email, or text regarding your application when you have authorized us to do so.
• Help source a vehicle and support the financing process.
• Verify information, prevent fraud, maintain security, and meet legal or regulatory requirements.
• Operate, analyze, troubleshoot, and improve our website and customer service.
• Maintain business and consent records.
Submitting an application does not guarantee financing approval, a particular rate, or vehicle availability. Financing decisions are made by participating lenders and may require further information and consent.
3. Consent and Choices
We obtain consent where required. You may withdraw consent to optional uses or communications by contacting us, subject to legal or contractual restrictions. Withdrawing consent may affect our ability to continue processing your request.
Please provide only information that is relevant to your application. If you provide personal information about another person, you must have authority to do so.
4. How We Share Personal Information
We may disclose personal information, only as reasonably necessary, to:
• Participating lenders, financial institutions, and dealerships that may evaluate or fulfill your request.
• Technology, hosting, communications, analytics, document, and other service providers that support our operations.
• Professional advisers, regulators, law-enforcement bodies, or other parties when required or permitted by law.
• A purchaser or successor in connection with a proposed or completed business transaction, subject to appropriate safeguards.
We do not sell personal information.
Some service providers may process information outside your province or outside Canada. When that occurs, the information may be subject to the laws of the jurisdiction where it is processed.
5. Cookies and Analytics
Our website may use cookies and analytics tools, including Google Analytics, to understand site usage and improve performance. These tools may collect device, browser, IP-address, and interaction information. You can manage cookies through your browser settings; disabling them may affect some site features.
6. Retention
We retain personal information only for as long as reasonably necessary for the purposes described in this Policy, to meet legal and business requirements, and to resolve disputes. We then securely delete, destroy, or anonymize it, subject to applicable law and backup practices.
7. Safeguards
We use reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, disclosure, alteration, or loss. No internet transmission or storage method is completely secure, so please avoid sending highly sensitive information through ordinary email or open text fields.
8. Access, Correction, and Questions
You may request access to or correction of your personal information, or ask questions about our privacy practices. You may also request deletion, subject to information we must retain by law or for legitimate business purposes. We may need to verify your identity before responding.
Contact:
Caranto Auto Finance
Email: info@caranto.ca
Website: caranto.ca
9. Children’s Privacy
Our services are intended for adults who can enter into a financing transaction. We do not knowingly collect personal information from children.
10. Policy Updates
We may update this Privacy Policy as our practices or legal obligations change. The revised version will be posted on this page with a new effective date.