PremPay Corp. Privacy Policy

Protecting your privacy and maintaining the confidentiality of your personal information is important to PremPay Corp. (“PremPay”, “we”, “us”, or “our”).

This Privacy Policy explains how we collect, use, share, and protect your personal information when you apply for financing, use our services, interact with us, or visit our website.

PremPay provides consumer financing for automotive protection products and related purchases. In doing so, we work with technology providers, customer support partners, automotive dealers, and product providers to deliver our services. This policy explains how your information may be used in connection with these activities.

Why We Collect Personal Information

To provide lending services and manage your financing account, we need to collect certain personal information about you.

This allows us to:

• Verify your identity
• Evaluate financing applications
• Administer loans and payment plans
• Communicate with you
• Meet legal and regulatory requirements

The information we collect will depend on how you interact with PremPay — for example when applying for financing, making payments, contacting support, or visiting our website.

What Is Personal Information

“Personal information” means information that identifies you as an individual or could reasonably be used to identify you.

Examples of personal information we may collect include:

• Name, address, email address, and telephone number
• Date of birth or age verification information
• Government-issued identification when required
• Financial information such as income, banking details, or payment information
• Credit history, credit score, and information obtained from credit bureaus
• Information about your loan agreement and payment history
• Information about the vehicle connected to your financing agreement
• Device and website usage information such as IP address, browser type, or website activity
• Business contact information used strictly in a professional capacity is generally not considered personal information.

How We Collect Your Information

PremPay may collect personal information:

• Directly from you during applications, payments, or communications
• From automotive dealers or partners involved in your financing transaction
• From credit bureaus or financial institutions
• Through our website or online application tools
• Through authorized service providers that support our technology platforms or customer service

How We Use Your Personal Information

PremPay collects and uses your personal information for purposes including:

• Verifying your identity
• Assessing your eligibility for financing
• Processing and approving financing applications
• Establishing and administering your loan account
• Processing payments and maintaining payment records
• Communicating with you about your account
• Providing customer service and support
• Detecting and preventing fraud or unauthorized activity
• Meeting legal, regulatory, and compliance obligations
• Improving our products, services, and systems
• Maintaining internal business records
• Collecting unpaid balances, including through third-party collection agencies if necessary

We will only use your information for the purposes identified at the time it is collected or as otherwise permitted by law.

Credit Checks and Credit Reporting

As part of evaluating your financing application, PremPay may obtain information about you from credit bureaus and other financial institutions.

This may include:

• Credit history
• Credit score
• Existing credit obligations
• Financial risk indicators

By applying for financing with PremPay, you consent to us obtaining credit information from credit reporting agencies and sharing information about your loan account with credit bureaus in accordance with applicable laws.

Vehicle Liens and Security Interests

Financing provided by PremPay may be secured by the vehicle associated with your purchase.

Where applicable, PremPay may register a lien or other security interest against your vehicle in accordance with provincial laws governing secured lending.

To do this, we may collect, use, and disclose relevant information about you and the vehicle, including:

• Vehicle identification information
• Registration information
• Loan details required to register or administer the lien

This information may be shared with vehicle registration authorities, secured lending registries, or other parties involved in the lien registration process as required.

Sharing Information With Dealers and Protection Product Providers

If your financing relates to a vehicle protection product or similar purchase, PremPay may share limited information with:

• The automotive dealer involved in the transaction
• The provider or administrator of the protection product
• Relevant service providers involved in administering the product

This information sharing is limited to what is necessary to:

• Confirm your purchase
• Facilitate financing for the product
• Administer the associated agreement
• Resolve inquiries related to the transaction

Outsourced Technology and Customer Support

PremPay operates using specialized technology platforms and may rely on trusted third-party service providers to support certain aspects of our business.

These providers may assist with:

• Technology infrastructure and software platforms
• Loan servicing systems
• Payment processing
• Customer service or call center support
• Data hosting and cloud services
• Identity verification or fraud prevention
• Communications platforms

These service providers may have access to personal information only as necessary to perform services on our behalf. They are contractually required to protect your information and use it only for authorized purposes.

Some service providers may store or process information outside of your province or country. When this occurs, the information may be subject to the laws of those jurisdictions.

How We Share Personal Information

PremPay does not sell your personal information.

However, we may share your information with trusted third parties when necessary to operate our business or comply with legal requirements, including:

• Credit bureaus
• Automotive dealers involved in your financing
• Protection product providers or administrators
• Financial institutions and payment processors
• Technology and customer support providers
• Collection agencies if an account becomes past due
• Professional advisors such as auditors or legal counsel
• Government or regulatory authorities where required by law

All third-party providers are required to protect personal information, and ensure the same protections that we provide at minimum, and handle it responsibly.

Website Use and Cookies

When you visit the PremPay website, certain information may be collected automatically through cookies or similar technologies.

Cookies help us:

• Understand how visitors use our website
• Improve website performance
• Enhance user experience
• Support website analytics

You may adjust your browser settings to disable cookies if you prefer, although some website functionality may be limited.

Website Analytics

We may use analytics tools such as Google Analytics to better understand how visitors use our website.

These tools collect information such as:

• Pages visited
• Time spent on the site
• Device and browser information
• How users arrive at our website

This information helps us improve our website and services.

Analytics providers may collect this information through cookies in accordance with their own privacy policies.

Protecting Your Personal Information

PremPay uses administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, loss, misuse, or disclosure.

While no system can be completely secure, we apply reasonable safeguards appropriate to the sensitivity of the information we hold.

Holding and Retention of Information

All personal information held by us is stored in Canada.

We retain personal information only as long as necessary to:

• Provide financing services
• Maintain required financial records
• Meet legal, regulatory, and compliance obligations

When information is no longer required, it is securely deleted or anonymized.

Your Privacy Rights

You may have the right to:

• Request access to personal information we hold about you
• Request corrections to inaccurate or incomplete information
• Withdraw consent for certain uses of your information where permitted by law
• Request the deletion of your personal information
• Request the removal of a mailing list or other form of communication;
• Request information on our practices regarding the handling of your information;
• Request a copy of the personal information related to you that we hold

Please note that withdrawing consent may limit our ability to provide or maintain your financing services.

To exercise these rights, please contact our Privacy Officer.

Process for Handling Requests

You will be asked to provide your name, contact information, including a telephone number, and the subject matter and reasons for the request or complaint in sufficient detail to allow us to assess it.

If the request or complaint is not specific enough, we may request additional information deemed necessary to assess the complaint.

We will respond within 30 days of receipt of the request or complaint, or receipt of any additional information deemed necessary and provide a written and motivated response.

You will be informed should we be unable to meet this deadline. We will provide with the status of the complaint and the time required to provide a response.

We maintain a separate file for each request received. Each file contains the request, the analysis and documentation supporting its assessment, and the response sent to the person who filed it.

Contact Us

If you have questions about this Privacy Policy or how PremPay handles your personal information, please contact us:

Privacy Officer
PremPay

Email: privacy@prempay.com

Mail:
PremPay Privacy Officer
Suite 404 – 999 Canada Place, Vancouver BC, V6C 3E2

Updates to This Policy

PremPay may update this Privacy Policy from time to time to reflect changes in our services, technology, or legal obligations. The most current version will always be posted on our website.

Last Updated: [March 13, 2026]