January 1, 2026

CarSkios ("CarSkios", "we", "us", or "our") is committed to maintaining the confidentiality and protection of your Personal Information. This Privacy Policy explains how and why CarSkios collects, uses, retains, and shares your Personal Information when you visit our website.

Personal Information means any information that identifies, or could reasonably be used to identify, a specific individual.

By using our website or services, you agree to the collection, use, and disclosure of your Personal Information as described in this Privacy Policy. If you do not agree, please discontinue use of our services.

 

We rely on your consent to collect, use, retain, and share your Personal Information. This Privacy Policy outlines your options, where available, to refuse or withdraw your consent.

You agree to this Privacy Policy when you:

●      Apply for a product or service offered through CarSkios;

●      Use our website, mobile application, or other digital platforms (collectively, the "Site");

●      Contact us through any communication channel, including phone, email, or online chat; or

●      Otherwise interact with us in connection with buying, selling, or researching a vehicle.

This Privacy Policy applies:

●      When you begin a relationship with us;

●      Throughout the duration of our relationship; and

●      For a reasonable period of time after your relationship with us ends.

We do not knowingly collect Personal Information from individuals under the age of 14 without verifiable parental or guardian consent. If you believe we have inadvertently collected information from a minor under 14, please contact us immediately.

 

Information You Provide Directly

When you use our Site or services, we may collect the following Personal Information directly from you:

●      Contact information, including your full name, mailing address, email address, and telephone number;

●      Account credentials, including your username and password if you register for an account;

●      Vehicle information, including details about a vehicle you wish to buy, sell, or trade in;

●      Government-issued identification, such as your driver's licence number;

●      Financial information, including your Social Insurance Number ("SIN"), credit history, employment information, and other financial details, where you apply for financing or credit through our platform;

●      Payment information, such as credit or debit card numbers and banking details, where applicable; and

●      Communications you send us, including customer support inquiries, reviews, and feedback.

Information Collected Automatically

When you access or use our Site, we and our third-party partners may automatically collect certain technical and usage information, including:

●      Your IP address, browser type and version, operating system, and device identifiers;

●      Your internet service provider (ISP) or mobile carrier, and the type of device you use to access the Site;

●      Pages and listings you view on our Site, search queries you run, and how you interact with content;

●      The date and time of your visits, time spent on specific pages, and navigation paths through the Site;

●      Referring URLs (the website that brought you to our Site); and

●      Location information, including your approximate geographic area based on your IP address, or your precise location if you consent to location services on your mobile device.

Information from Third-Party Sources

We may supplement the information you provide with data obtained from trusted third-party sources, such as:

●      Credit bureaus and financial institutions, in connection with credit or financing applications;

●      Public vehicle registration databases and vehicle history report providers;

●      Data analytics providers, market research firms, and advertising partners; and

●      Social media platforms, where you choose to connect your social media account to our Site or interact with CarSkios on those platforms.

 

We use your Personal Information to operate, improve, and deliver our services. Specifically, we may use your information to:

●      Connect buyers and sellers, and to facilitate the purchase, sale, or trade-in of vehicles;

●      Create and manage your CarSkios account, and to verify your identity;

●      Create and publish vehicle listings and advertisements on our Site and on third-party platforms;

●      Provide vehicle valuations and trade-in or purchase offers;

●      Process credit or financing applications and share them with our dealer partners and lending partners;

●      Deliver customer support and respond to your inquiries, complaints, and feedback;

●      Send you transactional communications, such as account confirmations, listing updates, and purchase receipts;

●      Send you promotional and marketing communications about CarSkios, our partners' products and services, and vehicle inventory that may be of interest to you — subject to your consent where required by law;

●      Personalize your experience on our Site and deliver content, listings, and advertising tailored to your interests and search history;

●      Perform data analysis, market research, demographic analysis, trend analysis, and other internal business analytics;

●      Detect, prevent, and investigate fraud, unauthorized access, and other security incidents;

●      Comply with applicable laws, regulations, and legal obligations, including obligations under Canada's Anti-Spam Legislation ("CASL"), the Personal Information Protection and Electronic Documents Act ("PIPEDA"), and applicable provincial privacy legislation; and

●      Contact you via telephone, text message, email, or chat. We will obtain your consent to contact you when and as required by law.

 

Strictly Necessary Cookies

We use cookies and similar tracking technologies to operate and secure our Site. Cookies are small text files placed on your browser or device that help us identify you across pages and sessions. These strictly necessary cookies are essential to the functioning of our Site and cannot be turned off in our systems. They are used to:

●      Maintain the security of your session and prevent unauthorized access;

●      Remember your language and regional preferences;

●      Enable core features, such as account login, saved searches, and listing management; and

●      Detect, investigate, and prevent fraudulent activity.

Analytics and Performance Cookies

Subject to your consent, we use analytics cookies and technologies to understand how users interact with our Site. This helps us improve the performance, design, and usefulness of our platform. For example, we may use cookies to track which listings you view, how you navigate through our search tools, and which features are most commonly used.

Advertising and Targeting Cookies

Subject to your consent, we and our advertising partners may use cookies and similar technologies to serve you targeted advertisements based on your browsing behaviour, both on our Site and on third-party websites and applications. CarSkios subscribes to the Digital Advertising Alliance of Canada ("DAAC") Self-Regulatory Principles for Online Behavioural Advertising. You can learn more and exercise your choices at https://youradchoices.ca.

Managing Your Cookie Preferences

Most web browsers accept cookies by default. You can adjust your browser settings to decline cookies or to alert you when a cookie is being placed on your device. Please note that disabling cookies may affect the availability and functionality of certain features of our Site. You may also be able to control advertising identifiers through the privacy settings on your mobile device.

 

Disclosure to Service Providers and Business Partners

We may share your Personal Information with third-party service providers and business partners who assist us in delivering our services. These parties are contractually required to protect your Personal Information and are permitted to use it only for the specific purpose for which it was shared. Examples include:

●      Technology and platform providers who host and maintain our Site and mobile application;

●      Payment processors who facilitate transactions on our Site;

●      Marketing and advertising agencies who assist with our promotional activities;

●      Data analytics firms who help us measure and improve site performance;

●      Customer support providers; and

●      Fraud prevention and identity verification services.

Disclosure to Dealers, Lenders, and Automotive Partners

When you express an interest in purchasing, selling, or financing a vehicle, we may share your Personal Information with:

●      Licensed automobile dealers and their agents, so they can respond to your inquiry or assist with your transaction;

●      Vehicle manufacturers and distributors, where relevant to your inquiry;

●      Financing partners and lenders, to evaluate and process your credit or financing application; and

●      Vehicle history and valuation service providers, to generate vehicle reports and offers.

Any further use of your Personal Information by these parties will be governed by their own privacy policies. We encourage you to review their privacy policies before engaging with them directly.

Disclosure to Affiliates

We may share your Personal Information with our corporate affiliates for internal business purposes consistent with this Privacy Policy.

Disclosure Required by Law

We may disclose your Personal Information when required to do so by law or in the good-faith belief that such action is necessary to:

●      Comply with a legal obligation, court order, subpoena, or lawful request from a government authority;

●      Protect and defend the rights, interests, or property of CarSkios;

●      Protect the rights, safety, and security of our users, employees, or members of the public;

●      Prevent or investigate suspected fraud, illegal activity, or violations of our Terms of Use; or

●      Act in urgent circumstances to protect the personal safety of any individual.

Corporate Transactions

If CarSkios is involved in a merger, acquisition, amalgamation, reorganization, asset sale, or similar transaction, your Personal Information may be transferred to the acquiring party or successor entity as part of that transaction. We will require any such party to maintain your Personal Information confidentially and to use it only in accordance with this Privacy Policy.

International Transfers

Your Personal Information may be transferred to, processed in, or stored in provinces or countries outside of your own, including the United States, where our service providers, affiliates, or partners operate. Laws governing privacy and data protection in those jurisdictions may differ from the laws in your province or territory of residence. By using our Site, you consent to such transfers. We take reasonable contractual and technical measures to protect your Personal Information during any such transfer.

 

Security Measures

We have implemented administrative, technical, and physical safeguards designed to protect your Personal Information against unauthorized access, use, disclosure, alteration, and destruction. These measures include:

●      Encryption of data transmitted between your browser or device and our servers;

●      Secure password storage and access controls;

●      Regular auditing of our systems and security practices;

●      Employee training on privacy and data security obligations; and

●      Contractual requirements imposed on our third-party service providers to maintain appropriate security standards.

While we take these precautions seriously, no method of transmitting or storing data over the internet can be guaranteed to be completely secure. We encourage you to take steps to protect your own information online, including using strong and unique passwords and logging out of your account when using shared devices.

Data Breach Notification

In the event of a privacy breach that creates a real risk of significant harm to individuals, we will notify affected individuals and report to the relevant privacy regulator as required under applicable Canadian privacy law.

 

We retain your Personal Information only for as long as is necessary to fulfill the purposes for which it was collected, or as otherwise required or permitted by applicable law. The length of the retention period will depend on the type of information, the sensitivity of the information, and the purpose for which it is used.

We may retain your Personal Information after the end of your relationship with us where necessary for:

●      Legal, regulatory, or audit purposes;

●      Fraud prevention and risk management;

●      Resolving disputes and enforcing our agreements; and

●      Compliance with applicable document retention obligations.

When your Personal Information is no longer required, we will securely destroy, delete, erase, or anonymize it in accordance with our internal records management policies.

 

Right to Access

You have the right to request access to the Personal Information that CarSkios holds about you. Upon a written request, we will inform you of the information we have on file, the purposes for which it has been used, and the third parties to whom it has been disclosed, subject to any legal restrictions on disclosure.

Right to Correction

If you believe that the Personal Information we hold about you is inaccurate, incomplete, or out of date, you have the right to request that we correct it. We make reasonable efforts to keep your Personal Information accurate and current. If your information changes, please notify us promptly so we can update our records.

Right to Deletion

You may request that CarSkios delete or anonymize your Personal Information when it is no longer required for the purposes for which it was collected, subject to our legal obligations to retain certain records.

Right to Data Portability

You have the right to request that your Personal Information be provided to you in a structured and commonly used format, and to request that we transmit your information to another organization or person as authorized by applicable law.

Right to Withdraw Consent

You may withdraw your consent to the collection, use, or disclosure of your Personal Information at any time, subject to reasonable notice, by contacting our Privacy Officer using the contact information set out in Section 15 of this Privacy Policy. Please note that withdrawing your consent may affect your ability to access or use certain CarSkios services.

Automated Decision-Making

We may use automated tools and technologies to assist in certain decisions, such as evaluating credit applications or personalizing your experience. Where a significant decision is made about you using automated means, we will notify you and provide you with an opportunity to seek review of that decision by a human representative.

Opting Out of Marketing Communications

You may unsubscribe from our marketing or promotional emails at any time by clicking the "unsubscribe" link included in every such email, or by contacting our Privacy Officer. Please note that you may continue to receive transactional or service-related communications even after opting out of marketing communications.

 

We may de-identify or anonymize your Personal Information by removing identifying details such as your name, address, and account number for use in aggregate analytics, market research, trend analysis, fraud detection, and product improvement. De-identified or aggregated data that cannot reasonably be re-linked to an individual is not considered Personal Information and may be used and shared without restriction under this Privacy Policy.

 

If you access CarSkios through our mobile application, we may collect and use your information to:

●      Operate and maintain the application;

●      Authenticate your identity and keep your account secure;

●      Understand how users interact with the app and improve its features;

●      Prevent fraud and unauthorized access; and

●      Deliver relevant listings and communications.

Our application may request certain permissions on your device, such as access to your location, camera, or contact information, to enable specific features. You will be asked to grant these permissions explicitly. You may adjust these permissions at any time through your device settings.

We may use your device's advertising identifier (such as Apple's Identifier for Advertisers (IDFA) or Google's Advertising ID (AAID)) to serve you targeted advertising through third-party platforms. You can limit the use of your advertising identifier through your device's privacy settings.

 

Our Site may contain links to third-party websites, services, or applications operated by parties other than CarSkios. These links are provided for your convenience only. CarSkios does not control and is not responsible for the privacy practices, content, or security of any third-party websites or services. We encourage you to review the privacy policies of any third-party websites you visit before submitting any Personal Information.

 

If you post content on our Site — such as vehicle listings, reviews, ratings, or comments — that information may be visible to other users of the Site. Please exercise care when deciding what information you make publicly available. CarSkios is not responsible for how other users may view, share, or use information you choose to post publicly.

Your account profile may be viewable by other registered users. We will not publicly display your email address. You may adjust the visibility settings of your profile through your account preferences.

 

Our Site and services are intended for a general audience and are not directed at children under the age of 14. We do not knowingly collect Personal Information from children under 14 without verifiable parental or guardian consent. If you are a parent or guardian and you believe your child under 14 has provided us with Personal Information without your consent, please contact us immediately at the contact information set out in Section 15. We will take prompt steps to delete that information.

 

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make changes, we will revise the "Last Updated" date at the top of this policy. Where required by law, we will provide you with notice of material changes, which may include posting a notice on our Site or sending you an email.

Your continued use of our Site or services after the updated Privacy Policy is posted will constitute your acceptance of the revised terms. If you do not agree to the updated Privacy Policy, please discontinue use of our services and contact us to request deletion of your Personal Information.

We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

 

If you have any questions, concerns, or requests regarding this Privacy Policy, or if you wish to exercise any of your privacy rights, please contact our Privacy Officer:

 CarSkios — Privacy Officer

Email:  privacy@carskios.ca

 

We will respond to your privacy request within 30 days. In some cases, we may require additional time to respond, in which case we will notify you of the extension and the reason for it, as required by applicable law.

 

This Privacy Policy and any disputes relating to your Personal Information shall be governed by and construed in accordance with the laws of Canada and the applicable laws of the province in which you reside, including PIPEDA (or applicable provincial privacy legislation) and CASL. Any disputes shall be subject to the jurisdiction of the applicable courts in Canada.

If you reside in Quebec, your Personal Information is also protected under Quebec's Act Respecting the Protection of Personal Information in the Private Sector ("Law 25"). You may have additional rights under that legislation, including the right to be informed of any automated processing of your Personal Information used to make decisions that affect you.