Privacy Policy

SCOPE

This policy applies to all Stoke IP employees, contractors and Board members. This Policy pertains to all our dealings with you.

This Policy explains what personal information we collect about you, how the information is used and with whom we share the information. It also outlines your options to withdraw or refuse your consent.

For the purposes of this Policy, “personal information” refers to information that is about, or pertains to a specific individual and can be linked either directly or indirectly to a specific individual, such as, (but not limited to): name; address; age; income; identification numbers; credit records; or account number(s).

For the purposes of this Policy:

“We”, “our”, ”us”, and “Stoke IP” refers to Stoke Inventory Partners Inc.

ACKNOWLEDGMENT AND ACCEPTANCE

By applying for or accessing to any of Stoke IP services via one or more of the following method(s), you are confirming your acknowledgement and acceptance of this Privacy Policy: by applying to any product or service in paper (offline); by using an electronic device or equipment which Stoke IP may designate to access and/or apply to any of its products or services on the Stoke IP website; and by telephone, to communicate with a Stoke IP Representative, you acknowledge and accept the terms in this Policy.

WHAT INFORMATION WE COLLECT

Stoke IP may collect your personal information when you apply for any of our products or services. Stoke IP also may collect your personal information if you provide a guarantee on behalf of someone else.

Personal information that Stoke IP collects from you includes, without limitation: 

  • Your name and address and other contact information, such as telephone numbers, email address; 
  • Information about your transactions with us, such as account numbers, account balances, payment history; 
  • Credit and reference information, such as your date of birth, employment information, driver’s license, previous addresses, and general financial information; 
  • Your bank information for pre-authorized payments. 

When you apply for a product or service, we will make you aware of the purposes for which we are requesting your personal information. If we identify other purposes for which your personal information may be used, we will seek your consent prior to such use. We will advise you that it is your right to refuse permission for Stoke IP to use your personal information for any new purposes. Additional purposes for collecting your personal information may be identified before or at the time of collection. However, at a minimum Stoke IP will collect your personal information for the following purposes: 

  • To verify your identity; 
  • To determine your eligibility for our products or services; 
  • To assist us in updating your creditworthiness and the collection of accounts; 
  • To respond to your inquiries about our products and services; 
  • To prevent fraud with respect to both you and our company; 
  • To meet legal, regulatory and settlement requirements.

External Sources:

We may also collect information from commercially and publicly available sources, such as:

  • Government agencies and registries
  • Other financial or lending institutions
  • Law enforcement authorities

We also collect cookies:

A “cookie” is a message that a web server creates when you visit a web site. This file contains information about how and when you use a site. It is placed on your computer, smartphone, smart TV or tablet (“online device”) in the form of a small text file. The information cannot be used to identify you personally. Cookies do not collect personal information such as your name, address, telephone number, or email address. Cookies are a very useful feature and without them, web sessions would have no history; you would have to enter your information over and over.

How We Use Cookies:

  Statistical information: We use cookies to collect statistical information on how you use our websites. We use the information we collect to deliver online offers and advertisements tailored to you or that may be of interest to you and to improve your customer experience on our websites. We do not use cookies to collect personal information about you or to track your Internet use after you leave our websites.

  Sign-on feature: You can select to have a cookie securely store your username to our website. This allows you to access your accounts faster and more conveniently. You cannot store your passwords.

  Authenticating your computer: We use cookies to gather information such as IP Address and Browser type to authenticate you and your computer.

You can disable all cookies by adjusting your Internet browser settings. Please refer to the documentation for your browser or computer, tablet or mobile device on how to disable cookies.

POLICY

Consent 

Your knowledge and consent are generally required for the collection, use or disclosure of your personal information and Stoke IP will seek to obtain consent before or at the time when we collect, use or disclose your personal information.

 You can provide consent to the collection, use and disclosure of your personal information expressly or implicitly. However, Stoke IP will collect, use or disclose personal information about you without your knowledge and consent only in limited circumstances and as permitted by law, such as in the case of an emergency where the life, health or security of an individual is threatened.

Subject to certain legal and contractual restrictions and reasonable notice, you can refuse or withdraw your consent to the collection, use or disclosure of your personal information at any time. Please note that you cannot withdraw your consent to the collection, use and sharing of your personal information if:

  • We are legally required to collect, use or share your personal information;
  • It relates to a credit product we have granted to you where we are required to collect and exchange your personal information on an ongoing basis with credit bureaus, credit insurers and other lenders.

All existing customers will be informed of what types of personal information have been collected, the purpose for the collection and the procedures available for contacting Stoke IP with any inquiries. 

All new customers will be provided with a consent form and an accompanying explanation about the collection, use and disclosure of their personal information when requesting service. 

Limiting Collection 

Stoke IP limits the amount and type of personal information that it collects from you to that which is necessary for the business of the organization and as permitted by law. Each affiliate of Stoke IP will be responsible for its own collection, use and disclosure of information. 

Personal Information will be collected using procedures that are fair, transparent and lawful. 

Limiting Use, Disclosure and Retention 

Stoke IP will only use your personal information for the purpose for which it was collected as identified above, unless consent is given by you to use or disclose it for another purpose or as is required by law. We use your personal information to set up, manage and provide ongoing services for the products and services that you request and to meet our legal obligations.

Examples of how we use your information:

  • Confirm your identity;
  • Comply with laws and regulations that apply to us;
  • Ensure the products and services you use are suitable for you;
  • Collect a debt or enforce an obligation owed to us by you;
  • To detect, suppress and prevent fraud, and other crime;
  • Communicate with you, including providing alerts that you have requested;
  • Decide whether you are eligible for our products and services;
  • Monitor your online activity to protect you and your personal information;
  • Improve online security including to prevent and detect security threats, fraud and other illegal activities;
  • Meet income tax reporting obligations.

Stoke IP will develop explicit retention periods for closed accounts, after which your personal information will be destroyed or made anonymous. Under certain exceptional circumstances, Stoke IP may have a legal duty or right to disclose your personal information without your knowledge or consent. 

Who We Share Your Information With:

We may share your information with third parties for the purposes described below.

There may be instances where we share your information with our related companies in order to serve you better, for data processing, to prevent and detect criminal activity, and to enable our related companies to meet global regulatory, legal or other reporting obligations. We may share your information with other third parties under the following circumstances:

  • To legal counsel representing us;
  • For the purpose of collecting a debt owed to us;
  • To comply with a request, inquiry or order from lawful authorities or court;
  • To an investigative body(-ies) or to government agencies;
  • To process your information in foreign countries as an integral part in the delivery of our service and provide access to law enforcement and national security authorities of that jurisdiction;
  • To a person who needs information in an emergency that threatens your life health or security.

Accuracy 

Stoke IP shall take all reasonable steps to ensure that your personal information will be kept accurate, complete and up to date. You may challenge the accuracy and completeness of your personal information and have it amended, as appropriate. 

Safeguards 

In executing its responsibilities with respect to the confidentiality of your personal information, Stoke IP will employ a number of safeguards, appropriate to the sensitivity of the information, to protect personal information against loss or theft, as well as unauthorized access, disclosure, copying, use, or modification. Such safeguards will include physical measures, organizational measures and technological measures, for example locked filing cabinets, restricted access to offices, security clearances, limiting access on a “need to know” basis and the use of passwords and encryption. Procedures for implementing these measures will be communicated to all employees and third parties to ensure compliance with this principle.

As part of our commitment to protecting your personal information, Stoke IP has implemented a robust information security program developed by the Information Security Committee, consisting of:

  • Information Security Policy;
  • Information Classification, Handling and Access Control Policy;
  • Information Security Remote Worker Policy.

In addition, Stoke IP has a designated Information Security Officer (ISO). For more information about our Information Security practices, please click here.

Openness 

Stoke IP keeps or will keep its customers informed of these policies and practices and you and Stoke IP’s customers shall be provided access to all related policies and procedures via Stoke IP web page and contract terms and conditions. The information is or will be available in a format that is easy to understand. 

Individual Access and Correction

We are committed to maintaining the accuracy of your personal information and ensuring that it is complete and up-to-date.

You may access personal information we hold about you, or ask us to correct any error or delete the information we have about you. We require a written request along with a copy of government issued identification. To protect your privacy, we need to verify your identity before we can provide you with access to, or change, information about you. Do not send any access and correction requests to us via email, as it is not a secured method. We cannot accept any emailed requests.

Unless there are extenuating circumstances, we will respond to your request within 30 calendar days. If we are unable to fulfill your access or correction request due to any legal or regulatory restrictions, we will advise you.

APPEALS PROCESS AND CONTACT INFORMATION

Any customer of Stoke IP may challenge Stoke IP compliance with this Privacy Policy by contacting Stoke IP directly. Stoke IP has policies and procedures to receive, investigate and respond to individuals’ complaints and questions. 

If you have questions about this Privacy Policy, please email us at admin@stokeip.com.