Terms and Conditions

A. Introduction and definitions:

The Applicant and, if applicable, the Co-Applicant/Guarantor ("you") hereby give to the dealership with which you do business ("Dealership"), for the benefit of VW Credit Canada, Inc., o/a Volkswagen Financial Services ("Volkswagen Financial Services", "VW" or "we"), certain information (as defined below) and consents in connection with a personal credit application ("Credit Application") for a sale by installment or lease contract of a motor vehicle ("Contract"), all in accordance with VW's privacy policies. "Information" means all pertinent personal information, sensitive or not, we or the Dealership collect about you including information about your credit, your employments, the vehicle insurance, your financial situation, your medical information for life and disability insurance purposes, as well as any other information necessary for the purposes defined below we obtain about you in the course of your Contract with us.

B. Collection, Use, Sharing, Disclosure, and Storage of Your Information:

Your Information is collected for the following purposes:

(1) initial and ongoing credit assessment, which includes but may not be limited to confirming your identity, periodically obtaining credit reports and Information about your financial and credit history from credit reporting agencies, using this Information to evaluate your credit worthiness and make decisions concerning you that may be based exclusively on an automated processing of your Information ("Automated Decision"), until all your contractual obligations have been met;

(2) if a Contract is entered into, monitoring and administrating of the Contract, which includes but may not be limited to confirming your identity, tracking the vehicle insurance, the Contract publication, the vehicle registration, the end of lease administration and sale to you if you choose to purchase your vehicle, the vehicle warranties, the vehicle servicing and recalls, the recovery and the assignment or transfer of the Contract to third parties by way of securitization or otherwise;

(3) for marketing purposes, which includes but may not be limited to VW and the Dealer sending you content for sale purposes or marketing regarding new vehicles, products or services, events and promotional or loyalty offers, including finance or lease offers ("Marketing Material"); and

(4) any other purposes required or permitted by law.

Also, your Information:

• may be communicated and stored outside of Quebec, and may therefore be subject to the laws of those foreign jurisdictions and accessed by authorities responsible for enforcing those laws or by local tribunals. Be assured that VW and its service providers maintain high standards of physical, electronic, contractual and procedural safeguards to protect your Information and will retain it only as long as it is required or permitted by law;
• may be communicated, transferred, stored and/or processed by third party service providers, payment processors, lenders, credit evaluation agencies or other VW affiliated entities in other countries;
• may be disclosed for our financing with our lenders, an entity that may purchase all or part of our business, or the entity or entities resulting from corporate reorganizations of Volkswagen Financial Services; and
• may be obtained from you or from third parties, such as your financial institutions, credit evaluation agencies, insurers, employers, creditors, family members and acquaintances, to update or complete your Information when necessary, by technological means or otherwise. In the event of a default under the Contract or in the event that we fear fraud, we may also use a geolocation system to locate your vehicle, if it is equipped with such a system.

C. Right of Access and Rectification

You have the right to access the Information we hold about you and to know what Information was used to make Automated Decisions about you and the reasons, principal factors and parameters that led to that decision. You have the right to request the rectification of any Information that is inaccurate, incomplete, equivocal, not justified or not authorized by law. You may also deposit your written comments in your file and request a human review of Automated Decisions. To do so, we invite you to contact us by mail at 500-1340 Pickering Pky, Pickering, ON, L1V 0C4, by email at vcciprivacy@vwcredit.com or by calling us at 1-800-668-8224.

You have the right to access your Information that is held by a credit evaluation agency and, if applicable, to have reports or recommendations concerning your creditworthiness prepared by them corrected by contacting them directly. You can contact Equifax by mail at P.O. Box 190, Jean Talon Station, Montreal, Quebec, H1S 2Z2, by phone at 1-877-323-2598 or by submitting the form available at https://www.consumer.equifax.ca/personal/dispute-credit-report-form/. You may contact the TransUnion Consumer Relations Centre by mail at 3115 Harvester Road, Suite 201, Burlington, Ontario, L7N 3N8, by phone at 1-877-713-3393 or by submitting the form available at https://www.transunion.ca/assistance/credit-report-disputes.