Privacy Policy

PRIVACY POLICY Last Updated: September 23, 2025 This Privacy Policy serves as a comprehensive guide to help you understand how SettleScan Inc. ("SettleScan", "we", "us", or "our") gathers, utilizes, processes, and distributes your Personal Information (as defined below), while informing you about and enabling you to exercise your privacy rights in accordance with Canadian privacy legislation. If you require this Privacy Policy in an alternative format due to accessibility needs, please contact hello@settlescan.com. Initial Privacy Notice You are entitled to receive notification of SettleScan's privacy practices at the point of data collection, which may encompass being informed about the types of Personal Information to be gathered, the objectives for which such information is collected or utilized, whether such information is "sold" or "shared" (as defined by applicable privacy laws) and methods to opt-out of such uses, and the duration for which such information is retained. We may sell or share your Personal Information with third parties as described in this Privacy Policy. You have the right to opt-out of the sale or sharing of your Personal Information by visiting https://www.settlescan.com/privacy/request or clicking "Do Not Sell or Share My Personal Information" if available on our website. Please continue reading or utilize the links provided above to quickly navigate to each respective section. 1. SCOPE AND POLICY UPDATES This Privacy Policy governs Personal Information processed by us across all platforms, including our websites, mobile applications, and other online or offline offerings. We define Personal Information as any data that either directly or indirectly: - identifies, relates to, or describes a specific individual or household; or - is reasonably capable of being associated with or could reasonably be linked to a specific individual or household. Our Personal Information definition encompasses any other information as defined by applicable privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and provincial privacy legislation that may apply to you. For clarity and ease of reading, our websites, mobile applications, and other offerings are collectively referred to as the "Services." Our primary online Services are hosted on the website located at settlescan.com, which will be referred to as the "Website," but Website shall refer to any online service that is part of the Services. In this Privacy Policy, "user" or "you" means any individual viewing the Website or submitting any Personal Information to SettleScan in connection with using the Website. Please review our Terms and Conditions at settlescan.com/terms and this Privacy Policy carefully. IF YOU DO NOT AGREE WITH THIS PRIVACY POLICY, DO NOT USE THE WEBSITE. Policy Modifications. We may update this Privacy Policy from time to time at our sole discretion. If there are any material changes to this Privacy Policy, we will notify you as required by applicable law. You understand and agree that you will be deemed to have accepted the updated Privacy Policy if you continue to use our Services after the new Privacy Policy takes effect. 2. INFORMATION COLLECTION, UTILIZATION, AND DISCLOSURE To deliver SettleScan's Services to you, we must gather and process your information, including your Personal Information. The types of information we collect, use, and disclose depends on how you choose to use SettleScan. Some of this information is collected directly by us through the Services, while other information is obtained by us indirectly from third parties. Personal Information Collection Overview As a rental aggregator and search engine, we gather information to provide you with comprehensive rental search results and to enhance our Services. We primarily collect: - Search preferences and rental criteria to provide personalized results - Location information to display relevant rental properties - Usage data to improve our search algorithms and user experience - Information from third-party rental websites through our data aggregation processes We utilize this information to: - Provide you with relevant rental search results from multiple sources - Improve our search algorithms and recommendation systems - Customize your experience and display relevant content - Analyze usage patterns to enhance our Services - Communicate with you about our Services We may distribute some of the information that you provide with Service Providers (as defined below) and other third parties when necessary to provide our Services. We may also share certain Personal Information with marketing partners and advertisers, as specified below, with your consent or where we are legally authorized to do so. 3. COMPREHENSIVE INFORMATION COLLECTION, UTILIZATION, AND DISCLOSURE The comprehensive chart below details what categories of Personal Information we have gathered over the past twelve months as of the effective date of this Privacy Policy, the sources of the information, why we collect the information, and what categories of third parties and Service Providers we disclose the information to. SETTLESCAN COMPREHENSIVE PERSONAL INFORMATION COLLECTION, UTILIZATION, AND DISCLOSURE CHART INFORMATION CATEGORY: Identifiers, including but not limited to: - name - email address - IP address - user ID - phone number (if provided) DATA SOURCES: - Directly from you when you: - visit the Website - create an account with SettleScan - communicate with SettleScan - use our search and filtering features - participate in our surveys or contests - Automatically when you use our Services - Third-party rental websites through our data aggregation processes COLLECTION PURPOSES: - Operate the Website and provide SettleScan's Services - Communicate with you - Provide customer service and support - Detect and investigate fraud and security risks - Improve Website functionality and user experience - Personalize your search results and recommendations - Perform analytics to improve our Services - Comply with legal obligations DISCLOSURE RECIPIENTS: - Service Providers - Business Partners (rental websites and platforms) - Advertising/Marketing Partners (with consent) - Third parties for business purposes, including data sales - Third parties as required by law INFORMATION CATEGORY: Internet or other electronic network activity information, including but not limited to: - Web tracking information (cookies, web beacons, pixel tags) - Browsing history and search queries - Device information and browser type - IP address and location data - Interaction with our Website and Services DATA SOURCES: - Automatically when you use our Website or mobile application - Third-party analytics providers - Advertising networks COLLECTION PURPOSES: - Improve Website functionality and user experience - Personalize content and search results - Perform analytics and measure performance - Detect fraud and security risks - Provide targeted advertising (with consent) - Comply with legal obligations DISCLOSURE RECIPIENTS: - Service Providers - Analytics providers - Advertising/Marketing Partners (with consent) - Third parties for business purposes, including data sales INFORMATION CATEGORY: Geolocation Data, including but not limited to: - Precise or approximate location - Location preferences for rental searches DATA SOURCES: - Directly from you when you enable location services - Automatically through your IP address - When you specify location preferences COLLECTION PURPOSES: - Provide location-based rental search results - Improve search relevance and user experience - Personalize content and recommendations - Perform analytics and improve Services DISCLOSURE RECIPIENTS: - Service Providers - Business Partners (for location-based results) - Third parties for business purposes, including data sales INFORMATION CATEGORY: Commercial Information, including but not limited to: - Rental search preferences and criteria - Properties viewed or saved - Search history and patterns - Communication preferences DATA SOURCES: - Directly from you when you use our Services - Automatically through your interactions with our Website COLLECTION PURPOSES: - Provide personalized search results - Improve our recommendation algorithms - Customize your user experience - Analyze usage patterns to enhance Services DISCLOSURE RECIPIENTS: - Service Providers - Business Partners (for personalized results) - Third parties for business purposes, including data sales INFORMATION CATEGORY: Third-Party Rental Data (Aggregated), including but not limited to: - Rental property listings from third-party websites - Property details, images, and descriptions - Pricing and availability information - Landlord and property manager contact information DATA SOURCES: - Third-party rental websites and platforms - Publicly available rental listings - Licensed data providers COLLECTION PURPOSES: - Provide comprehensive rental search results - Aggregate data from multiple sources - Improve search accuracy and completeness - Enhance user experience with diverse options DISCLOSURE RECIPIENTS: - Users (in aggregated, searchable format) - Service Providers (for data processing) - Business Partners (for data sharing agreements) - Third parties for business purposes, including data sales 4. THIRD-PARTY RELATIONSHIPS AND DISCLOSURES Service Providers. We disclose your Personal Information to our third-party service providers and vendors that assist us with the provision of our Services. This includes service providers and vendors that provide us with IT support, hosting, payment processing, customer service, data analytics, and related services. Business Partners. We may disclose your Personal Information to business partners, including rental websites and platforms, to provide you with rental search results and related services. We may also share your Personal Information with business partners with whom we jointly offer products or services. Advertising/Marketing Partners. We may share or sell your Personal Information with third-party advertising/marketing partners. These third-party advertising/marketing partners may set Technologies and other tracking tools on our Services to collect information regarding your activities and your device. These advertising/marketing partners may use this information for purposes of delivering personalized advertisements to you when you visit digital properties within their networks. We may also sell or share your Personal Information with other third parties for business purposes, including but not limited to data analytics, market research, and business development. 5. DATA AGGREGATION AND THIRD-PARTY CONTENT MANAGEMENT As a rental aggregator, SettleScan collects and processes data from various third-party rental websites and platforms. This data aggregation is performed for the sole purpose of providing users with comprehensive rental search results. You acknowledge and agree that: - We aggregate publicly available rental data from multiple sources - We do not claim ownership of third-party rental content - We respect the intellectual property rights of third-party platforms - Our data aggregation complies with applicable laws - We may modify or organize third-party content for display purposes only 6. TRACKING TECHNOLOGIES AND COOKIES We utilize cookies, web beacons, pixel tags, and other tracking technologies ("Technologies") to automatically collect information about your use of our Services. These Technologies assist us in: - Remembering your preferences and settings - Analyzing how you use our Services - Providing personalized content and recommendations - Measuring the effectiveness of our Services - Detecting and preventing fraud You can control cookies through your browser settings, but disabling cookies may affect the functionality of our Services. 7. YOUR PRIVACY CHOICES AND LEGAL RIGHTS Your Privacy Choices Email Communications. If you receive an unwanted email from us, you can use the unsubscribe link found at the bottom of the email to opt out of receiving future emails. Note that you will continue to receive transaction-related emails regarding Services you have requested. Mobile Devices. We may send you push notifications through our mobile application. You may opt out from receiving these push notifications by changing the settings on your mobile device. Cookies and Personalized Advertising. You may stop or restrict the placement of Technologies on your device or remove them by adjusting your preferences as your browser permits. However, if you adjust your preferences, our Services may not work properly. Legal Rights Users may have the right under applicable law to: - Confirm Whether We Are Processing Your Personal Information (the right to know) - Request Access to and Portability of Your Personal Information, including: (i) obtaining access to or a copy of your Personal Information; and (ii) receiving an electronic copy of Personal Information that you have provided to us, or asking us to send that information to another company in a structured, commonly used, and machine readable format (also known as the "right of data portability") - Request Correction of your Personal Information where it is inaccurate or incomplete - Request Deletion of your Personal Information - Request to Opt-Out of Certain Processing Activities including, as applicable, if we process your Personal Information for "targeted advertising" (as "targeted advertising" is defined by applicable privacy laws), if we "sell" your Personal Information (as "sell" is defined by applicable privacy laws), or if we engage in "profiling" in furtherance of certain "decisions that produce legal or similarly significant effects" concerning you (as such terms are defined by applicable privacy laws) - Withdraw your consent to the processing of your Personal Information - Appeal our Decision to decline to process your request SettleScan – Verification and Privacy Requests Identity Verification Before we act on any privacy-related request, we'll first confirm that it's really you (or someone you've authorized). Depending on the situation, we may ask you to confirm details already linked to your account (like your email address), or complete a quick check through a secure link we send to your registered contact information. These measures help protect your information from unauthorized access. Fair Treatment Exercising your privacy rights will never affect the way we treat you. We'll handle all requests as required by law, without penalties or changes to the quality of your service. Appeals If privacy laws in your region give you the right to challenge our response to a request, you can appeal by contacting us and providing supporting details. We'll review your appeal promptly and in good faith. Opting Back In If you've chosen to opt out of the sale or sharing of your personal information, you may change your mind later. To opt back in, simply fill out our privacy request form at https://www.settlescan.com/privacy/request or email us at hello@settlescan.com. Authorized Representatives In some cases, you may allow someone else to act on your behalf for privacy requests. If you do, we may require written proof of their authority (for example, a signed authorization from you or legal power of attorney). To protect your account, we may also ask you to confirm this arrangement directly with us. If you would like to exercise any of these rights, please complete the webform at https://www.settlescan.com/privacy/request or contact us at hello@settlescan.com. 8. DATA RETENTION POLICIES We retain the Personal Information we collect as described in this Privacy Policy for as long as you use our Services, or as necessary to fulfill the purpose(s) for which it was collected, provide our Services, resolve disputes, establish legal defenses, conduct audits, pursue legitimate business purposes, enforce our agreements, and comply with applicable laws. To determine the appropriate retention period for Personal Information, we may consider applicable legal requirements, the amount, nature, and sensitivity of the Personal Information, certain risk factors, the purposes for which we process your Personal Information, and whether we can achieve those purposes through other means. 9. DATA SECURITY MEASURES We implement reasonable physical, organizational, and technological security measures to protect the Personal Information in our control from unauthorized access, use, or disclosure. However, please be aware that no security measures can provide absolute security and therefore we cannot guarantee that your Personal Information will not be accessed, disclosed, or used without authorization. If we learn of a security systems breach, we may try to notify you electronically so you can take action to protect your information. By using our Service or sending us your personal information, you agree that we can communicate with you electronically regarding security, privacy, and administrative issues relating to the Service. 10. CHILDREN'S PRIVACY PROTECTION SettleScan's Services are not designed to be used by persons under 18 years of age. If you are under the age of 18, do not use our Services. If you are a parent or guardian and believe your child has uploaded Personal Information to our Website without your consent, and you wish to review information collected from your child, or have that information modified or deleted, please contact us at hello@settlescan.com. If we learn we have collected or received Personal Information from a child under 18 in violation of applicable law, we will delete that information unless we have a legal obligation to keep it. 11. INTERNATIONAL DATA TRANSFERS AND CROSS-BORDER PROCESSING SettleScan and its servers are primarily located in Canada. However, all Personal Information processed by SettleScan, including by our Service Providers, may be transferred, processed, and stored anywhere in the world, subject to this Privacy Policy and applicable Canadian privacy laws, depending on user activity due to the nature of the world wide web. When Personal Information is transferred outside of Canada, we ensure appropriate safeguards are in place to protect your privacy rights in accordance with Canadian privacy legislation. If you have questions about where SettleScan processes your Personal Information, please contact us as set out in the "Contact Information" section below. 12. CANADIAN PRIVACY RIGHTS AND COMPLIANCE If you are a resident of Canada, you have additional rights under the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation, including: - The right to know what personal information we collect and how we use it - The right to access your personal information - The right to request correction of inaccurate or incomplete personal information - The right to withdraw consent for the collection, use, or disclosure of your personal information - The right to file a complaint with the Privacy Commissioner of Canada or applicable provincial privacy commissioner We may sell or share personal information with third parties for business purposes as described in this Privacy Policy, with your consent or as otherwise permitted by law. This may include sharing information with advertising partners, business partners, and other third parties as described in this Privacy Policy. 13. CALIFORNIA PRIVACY RIGHTS AND COMPLIANCE If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), including: - The right to know what personal information we collect and how we use it - The right to delete personal information we have collected - The right to opt-out of the sale of personal information - The right to opt-out of the sharing of personal information for cross-context behavioral advertising - The right to opt-out of the use of personal information for profiling in furtherance of decisions that produce legal or similarly significant effects - The right to correct inaccurate personal information - The right to limit the use and disclosure of sensitive personal information - The right to non-discrimination for exercising your privacy rights We may sell or share personal information as defined by the CCPA/CPRA. We may share personal information with third parties for business purposes as described in this Privacy Policy. 14. EUROPEAN UNION PRIVACY RIGHTS AND GDPR COMPLIANCE If you are a resident of the European Union, you have additional rights under the General Data Protection Regulation (GDPR), including: - The right to access your personal data - The right to rectification of inaccurate personal data - The right to erasure of your personal data ("right to be forgotten") - The right to restrict processing of your personal data - The right to data portability - The right to object to processing of your personal data - Rights related to automated decision-making and profiling - The right to withdraw consent at any time Legal Basis for Processing: We process your personal data based on legitimate interests, consent, contractual necessity, and compliance with legal obligations as described in this Privacy Policy. 15. PRIVACY COMMISSIONER COMPLAINT PROCESS AND DISPUTE RESOLUTION If you are not satisfied with our response to your privacy concerns, you may file a complaint with: Privacy Commissioner of Canada 30 Victoria Street Gatineau, Quebec K1A 1H3 Phone: 1-800-282-1376 Website: https://www.priv.gc.ca For residents of British Columbia, you may also contact: Office of the Information & Privacy Commissioner for British Columbia P.O. Box 9038, Stn. Prov. Govt. Victoria, BC V8W 9A4 Phone: 250-387-5629 Website: https://www.oipc.bc.ca 16. THIRD-PARTY WEBSITES AND EXTERNAL SERVICES The Services may contain links to other websites/applications and other websites/applications may reference or link to our Services. These third-party services are not controlled by us. Please read the privacy policies of each website and application before interacting with them. We do not endorse, screen, or approve, and are not responsible for the third party's actions or omissions, including but not limited to their privacy practices, content of such other websites or applications, and errors or bugs in their software. 17. PRIVACY POLICY MODIFICATIONS AND UPDATES SettleScan reserves the discretion to update this Privacy Policy at any time. When we do, we will revise the updated date at the top of this page. Your continued use of the Services following the posting of changes to this policy will be deemed your acceptance of those changes. 18. CONTACT INFORMATION AND PRIVACY SUPPORT Questions, comments, and requests regarding this Privacy Policy are welcomed and should be addressed to our Privacy team using the following contact methods: Email: hello@settlescan.com For data subject access requests, please use the email address above and include "Data Subject Access Request" in the subject line. This Privacy Policy is effective as of September 23, 2025 and will remain in effect until updated in accordance with the terms herein. BY USING THE WEBSITE OR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THIS PRIVACY POLICY.