WIPSTREAM is provided to you by NeedExtraData Systems Ltd.
During your relationship with NeedExtraData Systems Ltd., including use of our WIPSTREAM website and other WIPSTREAM products and services, protecting the privacy and confidentiality of your Personal Information (as defined below) is important to us.
For the purpose of this Policy:
“NeedExtraData” means NeedExtraData System Ltd.
“us”, “we”, and “our” means NeedExtraData and its directors, officers, principals, agents, employees, and affiliates.
“NED Parties” means NeedExtraData’s partner businesses and partner service providers,
“NED Products” means the website, WIPSTREAM, and any other product or service provided by NeedExtraData.
“website” means the WIPSTREAM website.
“WIPSTREAM” means our WIPSTREAM-branded products and services.
1. Providing Your Consent
2. Withdrawing Your Consent
You may withdraw your consent at any time, subject to legal or contractual restrictions and on reasonable notice to us. However, some Personal Information is essential and necessary in order for us to provide NED Products to you, so we may not be able to proceed or continue with providing NED
Products to you, or offering further products and services to you, and you would not receive the full benefit of NED Products.
3. Definition of Personal Information
“Personal Information” is defined as information about you that is not publicly available information, such as date of birth, social insurance number, other government-issued identification, as well as financial information, bank and credit card information, device information, IP address, user ID and password information, location information, and information on your product and service subscriptions and usage.
Personal Information does not include (to the extent permitted by law) information that is publicly available in a telephone directory or that is business contact information that enables you to be contacted at your place of business, such as name, address, telephone number.
We collect and use such other information that is also publicly available, but it is not considered “Personal Information”.
4. Information That We Collect
(a) Information that You Provide
You will be asked to voluntarily give us information, including Personal Information, when you interact with us orally, in writing, or by electronic transmission.
In those circumstances, you can choose not to provide certain requested Personal Information, but as mentioned above, then we may not be able to proceed or continue with providing NED Products to you.
(b) Electronic Collection (Automated)
We may automatically collect certain information regarding your use of NED Products such as the dates and times that you access NED Products, your location, the browsers, operating systems, software and devices that you use to access the website or online service and details of your use of the website or online service.
NeedExtraData may use
(i) Technologies (e.g. cookies, web beacons, tokens, pixels or tags) to collect information that assists us to improve our products, services, customer communications and advertising and to prevent fraud; and
(ii) Information that we collect through technological means to recognize you as a user of NED Products, to facilitate and improve your use of NED Products, to confirm that messages have been delivered to and opened by you and to provide you with targeted advertisements.
You may choose to decline or disable cookies if your web browser or device permits, but doing so may affect your ability to access or use certain features of NED Products.
(c) Related Transactions
A “Related Transaction” means a transaction that is related to your use of the NED Products, but which includes other Ned Parties or independent businesses in addition to NeedExtraData.
For example, a Related Transaction could include obtaining financing for NED Products through an independent financing business.
If you complete an application to finance any of the NED Products, we may obtain your credit score and related information from a credit reporting agency. This may assist us to process or fulfill a Related Transaction to your use of NED Products.
Upon your request we will inform you if we have ordered such a report, and will give you the name and address of the credit reporting agency that furnished the report.
You acknowledge and agree that any of the NED Parties, or independent businesses, to which we have disclosed your Personal Information may request a credit report for any legitimate purpose associated with your application, for example, for credit, extending credit, modifying the terms of your credit agreement, or collection on your account.
(d) Personal Information When Referred for a Related Transaction
For some products and services, we may refer you to an independent business for a Related Transaction. For example, in the event that you apply for financing, we may refer to an independent financer.
When we refer you to an independent business, we may also collect information from that independent business regarding the Related Transaction to update your NeedExtraData user profile.
(e) Disclosure From Third Parties
We may also collect information about you from third parties where such third parties have the right to disclose such information.
Prior to collecting this information, we would first get your consent excepting only where it is impractical or inappropriate to do so.
5. Personal Information That We Use
We use your Personal Information collected primarily for providing NED Products and completing the Related Transactions.
Use of Personal Information includes:
(i) to provide, complete, and administer NED Products and the Related Transactions;
(ii) to manage your participation in NED Products and the Related Transactions;
(iii) to market, manage, and process NED Products and the Related Transactions;
(iv) to facilitate your interactions and transactions with us, including to process your finance applications and Related Transactions, and to process and respond to your inquiries, requests and other communications;
(v) to provide you with information (including by email and other electronic messages) regarding NeedExtraData and NED Products;
(vii) to communicate information and offers to the NED Parties;
(viii) to understand and analyze our user’s responses, needs and preferences, and to develop new products and services to meet those needs and preferences;
(ix) to maintain, protect and improve NED Products and Related Transactions;
(x) to protect and enforce our legal rights, interests and remedies and to protect the business, operations and customers of NeedExtraData and other persons;
(xii) to comply with all legal and regulatory requirements.
(b) Sharing Information
NeedExtraData may share your Personal Information with our NED Parties and with independent businesses
(i) who assist to administer and deliver NED Products and the Related Transactions;
(ii) who assist to provide related information, products, and services to you;
(iii) who assist to facilitate your dealings with NeedExtraData; and
(c) Interest-Based Advertising
NeedExtraData may use interest-based advertising services (sometimes called “remarketing” or “retargeting”) provided by independent vendors (such as Google, Facebook, Instagram) to display advertisements on independent websites and social media sites visited by users of NED Products.
6. Personal Information that We Disclose
(b) Specific Consents
We may disclose your Personal Information in accordance with express or implied consents that you give during your interactions and transactions with us, including Related Transactions.
(c) Related Transactions
If we refer you to an independent business for a Related Transaction, then we may disclose your Personal Information (including your credit score and related financial information) to the independent business to facilitate the Related Transaction.
(d) NED Parties
(e) Disclosure Required by Law
We may disclose your Personal Information as required or authorized by law, including to law enforcement agencies, other independent organizations, and to third parties
(i) to comply with a disclosure obligation pursuant to a legal process;
(ii) where NeeedExtraData reasonably believes the disclosure is necessary or appropriate in connection with security, law enforcement or other issues of public importance; and
(f) Business Transactions
7. Location of Your Personal Information
NeedExtraData, the Ned Parties, and any applicable independent businesses may process, store and use your Personal Information at facilities in Canada and/or in other countries such as the United States of America.
The personal information protection laws of any other countries might be different from the laws of and within Canada, and might permit courts, government, law enforcement agencies, regulatory agencies and security authorities to access your Personal Information without notice.
By providing your Personal Information to us, you consent to the transfer of the Personal Information to facilities located in other countries for the processing and storage of the Personal Information at those facilities.
8. How We Retain Your Personal Information
We retain your Personal Information for a period of time reasonably necessary or a longer period required or permitted by applicable law
(ii) to comply with NeedExtraData’s legal reporting obligations; and
(iii) to enforce or protect NeedExtraData’s legal rights.
9. How We Protect Your Personal Information
We use reasonable safeguards, including administrative, physical and technical security and safeguarding measures, appropriate to the sensitivity of the Personal Information in our possession or under our control to help protect the information from unauthorized access, collection, use, disclosure, disposal or similar risks.
10. Accuracy of Your Personal Information
11. Access to Your Personal Information
Subject to applicable exceptions and limitations prescribed by applicable law, you will be given reasonable access to your Personal Information and you will be entitled to verify the accuracy and
completeness of your Personal Information and to have your Personal Information revised as appropriate.
You may be required to pay a reasonable fee for access to your Personal Information. NeedExtraData may decline to process a request that is unreasonably repetitive, frivolous, vexatious or impracticable, that infringes or jeopardizes the privacy of other persons, or for other reasons permitted by applicable law.
12. Collection, Retention and Use of Non-Personal Information
We collect non-Personal Information, including additional information that is not about an identifiable individual, for example, Personal Information that has been aggregated or otherwise depersonalized so that the information no longer relates to an identifiable individual.
13. Other Websites and Businesses
Our website and correspondence (including emails and messages) may include advertisements for products and services offered by independent businesses (that may have a financial relationship with NeedExtraData) or links to websites operated by independent businesses (for example, related product or service providers, lenders and credit providers).
Please be aware that NeedExtraData has no responsibility or liability for, or control over, those other websites, online services or businesses, their products or services, or their collection, use, disclosure or retention of your Personal Information.
If you have questions about how those websites, online services or independent businesses collect, use, disclose or retain personal information, please contact the owner or operator of the website, service or business.
14. Other Matters
(a) Disclaimers, Liability Exclusions/Limitations and Disputes:
(b) Changes to this Policy:
(c) Contacting NeedExtraData’s Privacy Officer:
NeedExtraData’s Privacy Officer
by email at:
by mail at:
3315 Wells Ave
If this doesn't resolve your concern to your satisfaction, you may contact the Saskatchewan Information and Privacy Commissioner by writing to:
Saskatchewan Information and Privacy Commissioner
503 – 1801 Hamilton Street
Regina SK S4P 4B4
Toll Free Telephone (within Saskatchewan): 1-877-748-2298
Last Modified: July 1, 2021