Last modified August 2021


The Website is operated by RatherChat, Inc., 267 John Davis Gate, Stouffville ON L4A 1T5(“RatherChat”). Your privacy is important to RatherChat and this Privacy Policy describes the information collected through your use of the Website, how we use it, how we share it, how we protect it, and the choices you can make about your information.

ATTENTION: PLEASE READ OUR PRIVACY POLICY CAREFULLY BEFORE USING THE WEBSITE INDICATES THAT YOU ACCEPT AND AGREE TO BE BOUND BY THIS PRIVACY POLICY IN FULL. IF YOU DO NOT ACCEPT THIS PRIVACY POLICY, DO NOT USE THE WEBSITE. You acknowledge (a) that you have read and understood this Privacy Policy; and (b) for users outside the European Union, this Privacy Policy shall have the same force and effect as a signed agreement.

Unless explicitly stated otherwise, any new features that augment or enhance the current Website shall be subject to this Privacy Policy..
This Privacy Policy is part of the RatherChat TOU
Please review the Privacy Policy each time you use the Website. BY USING THE WEBSITE, YOU AGREE TO BE BOUND BY THE MOST RECENT VERSION OF THE PRIVACY POLICY. If we materially change this Privacy Policy, we will update this page to reflect any changes to this Privacy Policy, and we will let you know by sending an email to the email address we have on record for you.

Our Collection and Use of Personal Information
Personal information is information you provide us that can be used to uniquely identify or contact a single person, such as your name, email address, address, phone numbers and tax identification number.
You may be asked to provide personal information when you interact with RatherChat, Online Ads, or one of RatherChat’s related companies, such as in connection with a completed or abandoned transaction or a request for information from RatherChat. RatherChat and its related companies may share your personal information with each other and use it consistent with this Privacy Policy.
RatherChat may supplement the personal information you provide with personal information available from other sources, such as public databases, data aggregators, and other commercially available sources.

Examples of Personal Information We Collect
The personal information we collect allows us to deliver requested products, services and information to you, to stay in contact with you, and to manage RatherChat relationship with you. By providing RatherChat with personal information, you consent to RatherChat transfer and storage of that information.
We collect information from you when you use the Website, contact or interact with us, sign up for our newsletters or other mailing lists, and voluntarily provide us with your comments and other content in connection with using the Website.
When you contact us or otherwise generally use the Website, we may collect: your name, email address, address, telephone number, best time to call, and any other information you voluntarily provide.
When you request a quote for services from other providers through the Website, we may collect: your name, address, telephone number, email address, date of birth, gender, marital status, Medicaid enrollment information, smoking information, household income, homeowner status, and number of family members.
When you request information related to auto loan applications through the Website, we may collect: your name, email address, telephone number, date of birth, address, residence type, and income.
When you request information regarding credit repair and register an account, we may collect: your name, email address, address, telephone number, credit score, household expenses, debt information, and income.
When you request information related to your credit score, we may collect: your name, email address, address, telephone number, date of birth, and your social security number.

Information We May Collect Automatically When You Use the Website
When you access and use the Website, we automatically collect information regarding you and your device, including your user name, roles/permissions for the Website, your device’s Internet Protocol address, the domain name of your Internet service provider, your location, the Website features you use and the time of your use, your mobile device information (e.g. device model and operating system version), and aggregated information that cannot be used to specifically identify you.
In some email messages, we use a Click-Through URL to link to content on our Website. When you click on one of these URLs, you pass through a separate web server before reaching our site. We use Click-Through URLs to help us determine interest in a particular topic and to measure the effectiveness of our email communications.
Additional information collected is described in the Analytics and Cookies and Other Tracking Technologies sections below.
We may combine all of the information we collect from or about you and use it in the manner described in this Privacy Policy.

How We Use Your Information
We may use the information that we collect for several purposes, including:
Please note that you may choose not to allow us to use your personal information for certain purposes as described in the Your Choices Regarding Your Information section below.  
Legal Bases for Processing Your Information (For Users in European Union)
  1. Performance of a Contract
The use of your personal information may be necessary to perform the agreement you have with us to provide you with services, including for referrals and other services through the Website. We use your data to provide you with services, to register and maintain your account, and to respond to your requests.
  1. Legitimate Interests
We use your personal information for our legitimate interests.  We rely on our legitimate interest to deliver our services to our users, to administer, analyze and improve our services and the content on the Website, to operate our business including through the use of service providers and subcontractors (who may have access to your data – see further under the section How Your Information is Disclosed), to send you notifications about our services, for archiving, records keeping, statistical and analytical purposes, or to use your personal information for administrative, fraud detection, audit, training, security, or legal purposes.
  1. Consent
Where other lawful basis are not available for the processing of your personal information, we may rely on your consent as the legal basis for the collection and use of your personal data.  You are free to withdraw your consent at any time, subject to the Your Choices Regarding Your Information section below and the preceding Legal Bases for Processing Your Information in this Section.

  1. Compliance with Legal Obligations
We may use your personal information to comply with legal obligations to which we are subject, including to comply with legal process.

How Your Information is Disclosed
Information may be disclosed to third parties in accordance with our Privacy Policy.  Please note that a user may choose not to share certain information as described in Your Choices Regarding Your Information below.
  1. Third Party Service Providers and Business Partners.  We may use third party service providers and business partners to perform functions in connection with the Website and our other services, such as email marketing, delivering announcements by email, delivering advertisements, connecting you with partners via telephone, storing data, securing data, hosting data, migrating data, advertising, social sharing, providing users with services, and providing other services as described in this Privacy Policy including analyzing and improving the Website usefulness, reliability, user experience, and operation.  We may share your personal information with these providers and partners for their marketing and promotional purposes and so they can provide services to you (where legally required, subject to your express consent).

  1. Social Media Plugins.  Plug-ins for social networks, such as Facebook, Twitter, LinkedIn, Yahoo, Windows and Google plus (among others), are integrated on the Website. By interacting with us through a social media plug-in, certain information will be transmitted to the related social network, and you permit us to have on-going access to information from your social network profile. If you do not want the social network to collect information about you, or to share it with RatherChat and other third parties, please review the privacy policy of the relevant social network and/or log out of the relevant social network before you visit the Website.

  2. Organizational Changes.  If we become involved in a merger, acquisition, sale of assets, joint venture, securities offering, bankruptcy, reorganization, liquidation, dissolution, or other transaction or if the ownership of all or substantially all of our organization otherwise changes, we may transfer your information to a third party or parties in connection therewith.

  3. Affiliates.  We may also share your information with our affiliates for purposes consistent with this Privacy Policy.  Our affiliates will be required to maintain that information in accordance with this Privacy Policy.

  4. Partners.  You may request quotes or referrals for services through the Website.  We may disclose your information to service providers and other partners to provide you with services.  We may also connect you directly with service providers or partners by telephone if you request via the Website.

  5. Investigations and Law.  We may disclose information about you to third parties if we believe that such disclosure is necessary to:

  1. Aggregated Information.  We may share aggregated information relating to users of the Website with affiliated or unaffiliated third parties.  This aggregated information does not contain personal information about any user.

  2. Analytics.  We use third-party analytics tools to better understand who is using the Website and how people are using it.  These tools may use cookies and other technologies to collect information about your use of the Website and Your preferences and activities.  These tools collect information sent by your device or the Website and other information that assists us in improving the Website. This information may be used to, among other things, analyze and track data, determine the popularity of certain content, and better understand your online activity.  

We use Google Analytics to better understand who is using the Website and how people are using it. Google Analytics uses cookies, pixel tags, and other technologies to collect and store information such as Website pages visited, places where users click, time spent on each Website page, Internet Protocol address, type of operating system used, location-based data, device ID, search history, gender, age, and phone number. We use this information to improve the Website and as otherwise described in this Privacy Policy. Please see for information about how Google Analytics uses this information, and visit for information about the Google Analytics Opt-out Browser Add-on and visit to adjust the settings for Your Google account.  Google may track Your activity over time and across websites.

Cookies and Other Tracking Technologies
We, along with third parties, use cookies, local storage objects, web beacons and other technologies.  These technologies are used for analyzing, personalizing, and optimizing the Website. Cookies are small files that are transferred to and stored on your device through your web browser (if you allow it) that enable the website’s or service provider’s system to recognize your browser and capture and remember certain information.  You can instruct your browser to stop accepting cookies. But if you do not accept cookies, you may not be able to use all portions of all functionality of the Website.
Flash cookies (also known as local shared objects) are data files that can be created on your computer by the websites you visit and are a way for websites to store information for later use. Flash cookies are stored in different parts of your computer from ordinary browser cookies.  You can disable the storage of flash cookies.  For additional information about managing and disabling flash cookies, please visit
Web beacons are small strings of code that provide a method for delivering a graphic image on a web page or in an email message for the purpose of transferring data.  You can disable the ability of web beacons to capture information by blocking cookies.
We use cookies and other tracking technologies on the website to help us understand and save your preferences and interests so we can personalize your future visits and compile aggregate data about website traffic and website interaction so that we can offer better website experiences and tools in the future.
Some of our business partners, such as our analytics provider, also use cookies and other tracking technologies on the Website, some of which may track users across websites and over time.  

Information Security and Retention
RatherChat takes precautions to safeguard your personal information from loss, theft, and misuse, as well as unauthorized access, disclosure, alternation, and destruction. These precautions include technical, physical, and managerial procedures.
Because email and instant messaging are not recognized as secure communications, we request that you not send private information to us by email or instant messaging services.
We regularly review our compliance with our Privacy Policy and enforce safeguards within the company.
We are committed to working with appropriate regulatory authorities to resolve any complaints regarding the transfer of personal information that we cannot resolve with our customers directly.
RatherChat uses Secure Sockets Layer (SSL) encryption on all pages where personal information is collected. This protects the confidentiality of your personal information while it is transmitted over the Internet.
For your own protection, you should exercise care with the information you share over the Internet. You should always use a secure browser and exercise good judgment in using passwords, such as using a combination of upper and lower case letters, numbers, special characters, and you should avoid using the same or similar passwords across multiple sites.
Clients may access their personal information by logging into their account. We make good-faith efforts to give you ways to update or to delete your personal information quickly, unless we need to keep that information for a legitimate business or legal purpose. Some changes require personal contact with an assigned RatherChat representative.
RatherChat retains personal information and non-personal information for the time necessary and reasonable to fulfill the purposes outlined in the Privacy Policy, unless a longer retention period is required or permitted by law.
We may reject requests to change or delete information that are unreasonably repetitive, require disproportionate technical effort (for example, requiring the development of new systems or fundamental changes to existing systems), risk the privacy of others, or would be extremely impractical (such as information stored on backups).
We work to protect data from accidental or malicious destruction. Accordingly, we may not immediately delete or change residual copies and we may not delete or change information from our backup systems. Unless a disproportionate effort is required, we will provide information access and correction without charge.
We cannot guarantee that transmissions of your personal information will be fully secure and that third parties will never be able to defeat our security measures or the security measures of our partners.  WE ASSUME NO LIABILITY FOR DISCLOSURE OF YOUR INFORMATION DUE TO TRANSMISSION ERRORS, THIRD-PARTY ACCESS OR CAUSES BEYOND OUR CONTROL.
Any information collected through the Website is stored and processed in the United States. If you use our Website outside of the United States, You consent to have Your data transferred to the United States.

Third Party Privacy Policies
This Privacy Policy only addresses the use and disclosure of information we collect from you. This policy does not apply to the practices of companies that RatherChat does not own or control or to people that RatherChat does not employ or manage. RatherChat does not control the privacy policies of third parties, and you are subject to the privacy policies of those third parties where applicable. We encourage you to ask questions before you disclose your personal information to others. For more information about each such third party, please refer to the third party’s privacy policy.
If you provided your information on the website of an entity not related to RatherChat, and that entity shared your information with us, the privacy policy of that website governs the non-related entity’s use of your information, which may be different from this policy.

Your Choices Regarding Your Information
You have choices regarding the use of information by the Website.
EU Privacy Rights
Users based in the European Union have the following legal rights in respect of their information:

We do not knowingly collect personal information from children under 18. If we learn that we have collected the personal information of a child under 18, we will take steps to delete the personal information as soon as possible. If you are under the age of 18, please do not submit any personal information through the Website. If you have reason to believe that we may have accidentally received personal information from an individual under age 18, please contact us immediately at

Privacy Policy Changes and Questions
RatherChat may update its Privacy Policy from time to time. Changes to this Privacy Policy will be posted on RatherChat’s website, with a corresponding revision date. Please check the Privacy Policy for each website and Online Ads each time you use them for the most current information and to ensure that you are aware of any updates.

Request for Information
If you have any questions or concerns about RatherChat Privacy Policy, please contact us by email at  or by writing us at 267 John Davis Gate, Stouffville ON L4A 1T5.

Your California Privacy Rights
Section 1798.83 of the California Civil Code permits California residents to request from a business, with whom the California resident has an established business relationship, certain information about the types of personal information the business has shared with third parties for those third parties’ direct marketing purposes and the names and addresses of the third parties with whom the business has shared such information during the immediately preceding calendar year. You may make one request each year by emailing us at or by writing us at 267 John Davis Gate, Stouffville ON L4A 1T5.