Privacy Policy

1. Scope of This Policy

This Privacy Policy applies to personal information collected by Planet Motors through:

• our website, including planetmotors.ca;
• online vehicle shopping tools;
• finance pre-qualification and credit application tools;
• vehicle reservation and deposit forms;
• trade-in, sell-your-car, and appraisal forms;
• test drive, appointment, chat, phone, email, SMS, and contact forms;
• customer service, delivery, and after-sale support;
• marketing, analytics, advertising, and website-security tools;
• in-person dealership interactions.

This Privacy Policy does not replace any separate consent, credit bureau authorization, lender application, purchase agreement, finance agreement, warranty agreement, guarantee terms, or other transaction-specific document that may apply to your purchase, financing, or service relationship with Planet Motors.

2. Personal Information We Collect

Depending on how you interact with us, we may collect the following categories of personal information.

2.1 Contact and Identity Information

We may collect your name, email address, phone number, mailing address, home address, date of birth, driver’s licence information, government-issued identification details, and other information required to verify your identity, complete a transaction, arrange a test drive, process a delivery, or comply with legal and regulatory obligations.

2.2 Vehicle Shopping and Transaction Information

We may collect information about vehicles you view, save, reserve, inquire about, purchase, finance, trade in, or sell to us, including VIN, year, make, model, trim, mileage, vehicle history, ownership details, lien details, registration details, condition details, photos, appraisal information, trade-in value, purchase price, deposit amount, delivery address, and related transaction records.

2.3 Financing and Credit-Related Information

If you request financing, pre-qualification, payment estimates, affordability estimates, credit-related services, or a full finance application, we may collect personal and financial information such as:

• name, address, date of birth, phone number, and email;
• employment status, employer name, occupation, time employed, and income information;
• housing status, monthly housing payment, and residence history;
• selected vehicle, down payment, trade-in, requested term, and payment preferences;
• credit-related information required to process a pre-qualification or credit application;
• identity verification information;
• documents or information requested by lenders, credit bureaus, finance platforms, or fraud-prevention providers.

We may collect a Social Insurance Number (SIN) only where required by a lender for credit reporting under the Income Tax Act or as required by law, and only with your express consent. Providing a SIN may not always be required, and we will explain when it is requested.

2.4 Payment and Deposit Information

If you place a deposit, make a payment, or complete a transaction, payment information may be processed through our payment processors. Planet Motors does not intentionally store full credit card numbers, CVV codes, or complete card data on our own servers where payment data is entered directly into a third-party secure payment environment.

2.5 Communications Information

We may collect records of your communications with us, including emails, SMS/text messages, calls, voicemails, chat messages, form submissions, appointment requests, customer-support interactions, reviews, and consent records. Calls may be monitored or recorded for quality assurance, training, dispute resolution, fraud prevention, and customer-service purposes where permitted by law.

2.6 Website, Device, Analytics, and Usage Information

When you use our website, we may collect technical and usage information such as IP address, browser type, device type, operating system, referral source, pages viewed, buttons clicked, searches performed, session activity, time spent on pages, form interactions, approximate location, cookie identifiers, advertising identifiers, and other analytics or diagnostic information.

2.7 Sensitive or High-Risk Information

Some information collected for financing, identity verification, fraud prevention, or vehicle purchase purposes may be sensitive. We limit the collection, use, disclosure, and retention of this information to what is reasonably necessary for the identified purpose, legal compliance, security, fraud prevention, or transaction completion.

3. How We Use Personal Information

We may use personal information for the following purposes:

• to respond to inquiries and provide customer service;
• to help you shop for vehicles and compare options;
• to book test drives, appointments, deliveries, and vehicle viewings;
• to reserve vehicles and process refundable or non-refundable deposits where applicable;
• to process vehicle purchases, sales, trade-ins, appraisals, and related transactions;
• to provide vehicle history, inspection, condition, and battery-health information where available;
• to provide financing pre-qualification, payment estimates, affordability estimates, or credit application services;
• to verify identity and prevent fraud, misuse, unauthorized transactions, or security incidents;
• to share information with lenders, finance partners, credit bureaus, identity verification providers, and technology providers where required for financing or credit-related services;
• to arrange Canada-wide delivery, pickup, registration, licensing, paperwork, and post-sale support;
• to process payments, deposits, refunds, chargebacks, and transaction records;
• to send transactional communications about your inquiry, appointment, purchase, financing request, delivery, account, warranty, guarantee, or customer-service matter;
• to send marketing communications only where permitted by law and, where required, with your consent;
• to operate, maintain, secure, test, and improve our website, systems, tools, and services;
• to measure website performance, advertising performance, lead quality, and customer experience;
• to comply with OMVIC, tax, accounting, legal, regulatory, law enforcement, audit, and recordkeeping obligations;
• to enforce our agreements, protect our legal rights, and resolve disputes.

4. Financing Pre-Qualification and Credit Services

Planet Motors may provide access to financing pre-qualification tools, payment-estimate tools, affordability tools, credit application tools, lender-submission tools, and related finance technology services.

Pre-qualification is not a credit approval, pre-approval, loan offer, or guarantee of financing. A pre-qualification result is an estimate or preliminary eligibility indication only.

Final approval, interest rate, term, monthly payment, down payment, vehicle eligibility, lender conditions, and funding are subject to lender review, verified information, selected vehicle, credit profile, applicable taxes and fees, and completion of a full finance application or other lender-required documents.

5. Soft Credit Inquiries and Hard Credit Inquiries

With your express consent, Planet Motors or our authorized financing, credit bureau, lender, or technology partners may perform a soft credit inquiry to provide a financing pre-qualification, affordability estimate, payment estimate, or related financing option.

A soft credit inquiry does not affect your credit score.

If you choose to proceed with a full finance application, lender review, credit approval, loan contract, lease contract, or final financing process, a hard credit inquiry may be required. A hard credit inquiry may affect your credit score.

We will seek consent before collecting, using, or disclosing personal information for credit-related purposes, including a soft credit inquiry or full finance application.

6. Consent

We collect, use, and disclose personal information with your consent, unless otherwise permitted or required by law. Consent may be express or implied depending on the circumstances and sensitivity of the information. For sensitive information, financing information, identity verification, credit bureau access, lender submission, or marketing communications, we will seek express consent where required.

Consent may be collected through a checkbox, form submission, digital signature, signed document, recorded verbal consent, email confirmation, SMS confirmation, account action, or another recorded method.

We may retain proof of consent, including:

• date and time of consent;
• IP address;
• user agent and device information;
• page URL;
• form version;
• privacy policy version;
• disclosure version;
• checkbox status;
• consent language shown to you;
• vendor, lender, bureau, or tool involved;
• transaction or lead reference number.

You may withdraw consent at any time, subject to legal, contractual, lender, regulatory, accounting, tax, fraud-prevention, dispute-resolution, and recordkeeping limits. Withdrawing consent may limit our ability to provide certain services, including financing, delivery, warranty administration, vehicle purchase, trade-in, deposit, customer support, or legal/regulatory assistance.

7. Information Sharing and Disclosure

We do not sell your personal information.

We may share personal information with the following categories of recipients where reasonably necessary for the purposes described in this Privacy Policy.

7.1 Financing, Credit Bureau, and Lender Partners

We may share personal and credit-related information with consumer credit reporting agencies, including Equifax Canada and/or TransUnion Canada where applicable, as well as banks, credit unions, auto finance companies, lender networks, finance platforms, identity verification providers, fraud-prevention providers, and technology partners that help us provide financing pre-qualification, credit application, payment estimate, affordability estimate, and vehicle purchase services.

7.2 Vehicle History, Appraisal, and Inventory Partners

We may share vehicle-related information with vehicle history providers, valuation providers, appraisal tools, inventory management providers, vehicle data providers, inspection providers, and related technology partners.

7.3 Payment Processors

We may share payment and transaction information with payment processors, banks, card networks, fraud-prevention tools, chargeback providers, accounting platforms, and related service providers.

7.4 Delivery, Registration, Warranty, and Service Providers

We may share information with transport companies, licensing and registration service providers, warranty providers, protection-plan providers, repair facilities, inspection providers, and after-sale service partners.

7.5 Website, CRM, Hosting, Analytics, Advertising, and Security Providers

We may share information with website hosting providers, cloud providers, CRM platforms, customer-support tools, email and SMS providers, call-tracking providers, analytics providers, advertising platforms, cookie/pixel providers, cybersecurity tools, fraud-prevention tools, error-monitoring tools, search providers, media-hosting providers, and other technology service providers.

7.6 Legal, Regulatory, Compliance, and Safety Disclosures

We may disclose personal information where permitted or required by law, including to courts, regulators, government authorities, law enforcement, OMVIC, tax authorities, lawyers, insurers, auditors, collection agencies, fraud-prevention bodies, and other parties where necessary to protect our rights, comply with legal obligations, enforce agreements, investigate fraud, respond to claims, or protect safety.

7.7 Business Transactions

If Planet Motors is involved in a merger, acquisition, financing, reorganization, asset sale, business sale, or similar transaction, personal information may be disclosed to prospective or actual parties and advisors, subject to confidentiality and legal requirements.

8. Cookies, Pixels, Analytics, and Tracking Technologies

We use cookies, pixels, tags, scripts, analytics tools, advertising technologies, session tools, call-tracking tools, diagnostic tools, fraud-prevention tools, and similar technologies to operate our website, improve performance, understand visitor activity, personalize content, measure advertising, prevent fraud, and improve user experience.

8.1 Essential Cookies

Required for website functionality, security, login, forms, fraud prevention, and transaction processing.

8.2 Analytics Cookies

Used to understand website traffic, page performance, customer journeys, and website improvements.

8.3 Marketing and Advertising Cookies

Used to measure advertising, personalize ads, retarget visitors, and understand campaign performance.

8.4 Functional Cookies

Used to remember preferences, saved vehicles, form progress, and website settings.

8.5 Security and Diagnostic Tools

Used to detect errors, prevent abuse, investigate performance issues, block bots, and secure our website.

Where required by law, non-essential cookies, advertising pixels, or similar technologies may be subject to your consent choices. You may also manage cookies through your browser settings. Disabling cookies may affect website functionality.

9. Marketing and Electronic Communications

We may send you transactional communications about your inquiry, appointment, finance request, purchase, delivery, account, deposit, warranty, guarantee, trade-in, or customer-service matter.

We may send marketing emails, text messages, calls, or other commercial electronic messages only where permitted by law and, where required, with your consent. Marketing consent is separate from consent required to process a vehicle purchase, financing request, appointment, delivery, warranty, guarantee, or customer-service matter.

You may unsubscribe from marketing communications at any time by using the unsubscribe link, replying STOP where available, updating your preferences, or contacting us. Even if you unsubscribe from marketing communications, we may still send transactional, service, legal, safety, warranty, financing, delivery, account, or purchase-related communications where permitted by law.

10. Automated Processing and Financing Tools

Some financing pre-qualification tools, affordability tools, fraud-prevention tools, payment-estimate tools, or lender platforms may use automated processing to help estimate financing eligibility, affordability, loan amount, payment range, fraud risk, identity verification status, or related financing options.

Any pre-qualification result is not final approval and is not a guarantee of financing.

Where required by applicable law, you may request more information about the factors used in an automated decision and may request human review.

11. Processing and Storage Outside Canada

Some of our service providers, technology platforms, hosting providers, payment processors, analytics providers, CRM systems, communication tools, financing platforms, advertising platforms, security tools, support providers, and other vendors may process or store personal information outside Ontario or outside Canada, including in the United States or other jurisdictions.

Information processed or stored outside Canada may be subject to the laws of those jurisdictions, including lawful access by courts, governments, regulators, law enforcement, or national security authorities.

12. Safeguards and Security

We use reasonable physical, administrative, contractual, and technical safeguards designed to protect personal information against unauthorized access, use, disclosure, copying, modification, loss, theft, and misuse. These safeguards may include TLS/SSL encryption, access controls and role-based permissions, secure payment processing, employee confidentiality and privacy training, vendor due diligence, fraud-prevention tools, security monitoring, audit logs, private or restricted storage for sensitive documents, data minimization and retention controls, and error monitoring with sensitive-data redaction where available.

No system is completely secure. We cannot guarantee that personal information will never be accessed, used, or disclosed without authorization.

13. Retention of Personal Information

We retain personal information only as long as reasonably necessary for the purposes for which it was collected, or as required or permitted by law. Vehicle purchase and transaction records may be retained for at least seven years or longer where required for legal, tax, OMVIC, accounting, warranty, lender, fraud-prevention, or dispute-resolution purposes.

When information is no longer required, we will delete, anonymize, or securely dispose of it, subject to legal and operational requirements.

14. Your Privacy Rights

Subject to legal, contractual, regulatory, lender, fraud-prevention, and recordkeeping limits, you may have the right to:

• access personal information we hold about you;
• request correction of inaccurate or incomplete information;
• withdraw consent where consent is the basis for processing;
• request deletion of certain information;
• ask how your information has been used or disclosed;
• object to or limit certain uses of your information where permitted by law;
• challenge compliance with this Privacy Policy;
• request information about automated processing where required by applicable law.

To exercise your rights, contact our Privacy Officer using the contact details below. We may need to verify your identity before responding.

15. Security Incidents and Breach Notification

If we become aware of a privacy breach involving personal information under our control that creates a real risk of significant harm, we will notify affected individuals and applicable regulators as required by law. We may also keep records of privacy breaches as required by law.

16. Children and Minors

Our website and services are intended for adults who are legally able to purchase, sell, trade, test drive, or finance a vehicle. We do not knowingly collect personal information from individuals under 18 years of age without appropriate consent. If we learn that we have collected personal information from a minor where consent was required and not properly obtained, we will take reasonable steps to delete or restrict that information.

17. Accuracy of Information You Provide

You are responsible for providing accurate, complete, and up-to-date information when using our services. Providing inaccurate, incomplete, or misleading information may affect financing results, vehicle availability, trade-in value, delivery, purchase terms, lender approval, fraud-prevention review, warranty coverage, or customer-service support.

18. Links to Third-Party Websites

Our website may contain links to third-party websites, tools, lenders, payment processors, vehicle history providers, warranty providers, delivery providers, social platforms, or other external services. We are not responsible for the privacy practices, content, security, or policies of third-party websites or services. We encourage you to review their privacy policies before providing personal information.

19. Complaints and Privacy Officer

For privacy-related inquiries, access requests, correction requests, consent withdrawal, complaints, or questions about this Privacy Policy, contact:

You may also contact the Office of the Privacy Commissioner of Canada regarding privacy matters. For vehicle-sale or dealership-related concerns, you may contact OMVIC.

20. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, vendor relationships, financing tools, or dealership operations. When we update this Privacy Policy, we will update the “Last updated” date and version number. Material changes may be communicated through our website, email, account notice, form notice, or other reasonable method. Your continued use of our website or services after changes are posted means you acknowledge the updated Privacy Policy.