Private Policy


By accessing this web site, you are agreeing to be bound by Terms and Conditions of Use by this web site, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site.


By submitting an application, you certify and agree that all information submitted is true and complete. You authorize Carma Auto Finance Inc. to obtain any and all credit information from any sources deemed appropriate. By using Carma Auto Finance Inc. you agree that Carma Auto Finance Inc. may communicate with you by phone, email, text or any social media platforms. You can withdraw your consent at any time by notifying us or by using the unsubscribe option on any of our electronic messages. You authorize Carma Auto Finance Inc. to provide reports on the status of your application, including information concerning whether you pre-qualify for a loan or not, whether your application for credit is denied, and whether you accept a loan from Carma Auto Finance Inc. You authorize Carma Auto Finance Inc. to communicate with you by email.


Carma Auto Finance Inc. has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Carma Auto Finance Inc. of the site. Use of any such linked web site is at the user’s own risk.

Site Terms of Use Modifications

Carma Auto Finance Inc. may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

Governing Law

This use of the Carma Auto Finance Inc. website and any claims against Carma Auto Finance Inc. shall be governed by the laws of the Province of Ontario. You consent and submit to the exclusive jurisdiction of the courts located in the City of Toronto, in the Province of Ontario, Canada, in respect of all disputes arising out of or relating to the use of Carma Auto Finance Inc. website and this Privacy Policy.

How We Treat Your Personal Information

Your privacy is very important to Carma Auto Finance Inc. We created this page to show you how we keep the information you provide to us safe and private.

When you apply for credit, you must agree that the info you supply to Carma Auto Finance Inc. may be used for consumer credit reports from one or more credit reporting agencies in the administration of your application.

By accepting the terms of this Privacy Policy, you also consent to receiving emails and other forms of communication from us.

We will protect personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification. However, security risks cannot be eliminated and we cannot guarantee that your Personal Information will not be used or disclosed in ways not otherwise described in this Privacy Policy.

If you choose to unsubscribe to our e-mail list, it will not be regarded as a withdrawal of consent.

We will make readily available to customers information about our policies and practices relating to the management of personal information. We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained.

If you have any issues with our Privacy Policy, please contact 1-866-511-6922