--- title: How Padder protects your data and privacy description: "How Padder protects your data: encryption, access controls, SOC 2 aligned practices and the vendors that process your information, like Equifax and Stripe." image: https://help.padder.com/hubfs/Partner_Brand_Centre/Padder_Link_Preview_1200x630.png --- [Skip to content](https://help.padder.com/data-privacy#main-content) [![Padder Logo](https://help.padder.com/hs-fs/hubfs/Padder%20Logo.png?width=250&height=72&name=Padder%20Logo.png)](https://help.padder.com) - [Help Centre](https://help.padder.com/) - [Claims Centre](https://resources.padder.com/claims) - [Contact support](https://resources.padder.com/support) Open main navigation Close main navigation - [Help Centre](https://help.padder.com/) - [Claims Centre](https://resources.padder.com/claims) - [Contact support](https://resources.padder.com/support) Search the Help Centre - There are no suggestions because the search field is empty. 1. [Padder Help Centre](https://help.padder.com/) 2. [Residential Tenant](https://help.padder.com/residential-tenant) 3. [Trust, Safety & Support](https://help.padder.com/residential-tenant#trust-safety-support) October 7, 2026 # How Padder protects your data and privacy ## How Padder collects, stores, protects, and retains your personal information — and your privacy rights. Padder is a licensed insurance broker in Ontario. That means we sit inside a regulated insurance ecosystem, and your information is handled under both privacy law and insurance law. #### **Big picture:** - We collect only the information we need to review your application, issue policies, manage claims, and meet legal requirements. - We do not sell your personal information. - We use a combination of technical, physical, and administrative safeguards to protect it. - If there is ever a data breach that creates a real risk of significant harm to you, we notify you as required by law. If you ever have questions, you can reach us at [support@padder.com](mailto:support@padder.com) or refer to our full [Privacy Policy](https://padder.com/privacy-policy/) and [Privacy Statement](https://resources.padder.com/privacy-statement). --- #### High-level security posture We treat your application data, ID, and financial information as sensitive. At a high level, Padder: - Stores your data in secure, access-controlled systems - Limits access to staff and contractors who need it to do their job, on a need-to-know basis - Requires employees and contractors to attest to and follow our privacy and security policies, with periodic training - Uses physical and electronic safeguards (for example, protected systems, access controls, and monitoring) - Keeps an audit trail of key privacy and consent events (who accessed data, when, and for what) - Has defined processes for detecting, investigating, and responding to potential data breaches ***Independently audited (SOC 2 Type II).** Padder has completed a SOC 2 Type II examination, an independent audit of our controls across security, availability, confidentiality, and privacy. Landlord and business partners can request more detail through our team.* We also rely on a small set of vetted third-party providers (for example: Clerk for secure sign-in, Google for address search, Equifax Canada for the soft credit check and, if you opt in, Credit Builder reporting, DocuSign, Backblaze, Stripe for card payments and Interac for e-Transfers) to help us: - Run credit and identity checks - Handle e-signatures - Store documents - Process payments Those providers are contractually required to protect your data and only use it to perform services for Padder. When you sign your policy documents inside the Padder app, your electronic signature is recorded with the date, time and device used, and appears on your policy document. **One important reality check:** No internet transmission or storage system can be guaranteed 100% secure. We take our obligations seriously and apply industry-standard safeguards, but we're always transparent that there is some inherent risk when data moves over the internet. --- #### How your financial and ID information is stored and used When you apply for Padder Guarantor or Padder Deposit, we may ask for things like: - Government-issued photo ID - Proof of income/employment (pay stubs, job letter, contracts) - Proof of savings (bank statements) - Immigration or residency documents, if applicable - Optional SIN (for a soft credit check – no impact to your score) - Payment information when you pay your premium ##### **What we use it for** We use this information to: - Identify you properly and help prevent fraud and impersonation - Assess eligibility and risk for Padder Guarantor / Padder Deposit - Obtain credit reports or other risk data from bureaus (e.g., Equifax) where permitted and with appropriate consent - Issue, renew, and service your policy - Evaluate and manage claims, if your landlord submits one - Communicate with you about applications, approvals, payments, and policy documents - Comply with legal and regulatory obligations (insurance, anti-fraud, record-keeping, etc.) - Occasionally tell you about related products or services available through Padder or its affiliates (you can opt out of most marketing communications) We may share portions of your information with: - Our insurance partner (who actually backs the policy) - Third-party service providers (for payments, document storage, e-signatures, analytics, ID/credit checks) - Regulators, law enforcement, or courts, when required by law **We will never email you asking for your password, full card number, or SIN.** If you receive something like that claiming to be from Padder, treat it as suspicious and contact us. --- #### **How it's stored** - Your documents and application data are stored in secured, access-controlled environments. - Payment details are processed through specialized, PCI-compliant payment processors; Padder does not store your full card number in plain text. - Access to sensitive records is logged and restricted to specific roles (e.g., underwriting, operations, support, compliance). ##### **How long we retain your data** Because Padder operates in insurance, we must keep certain information longer than a typical app or retail website. In general: ##### **Personal information** We keep your personal information: - **For as long as is necessary to:** review and manage your application, issue and service your policy, support your landlord and any claims, and meet our legal, regulatory, tax, and audit obligations; and - **For a further legally required period after your relationship with us ends** (for example, after your policy and any related claims or repayment matters are fully resolved). ##### You also have rights to: - Review or update your personal information by contacting us (we'll verify your identity first). - Request deletion of your personal information once it's no longer needed, subject to: - Legal obligations to retain certain data for a period of time (for example, to prevent or investigate fraud, or comply with court/tribunal orders). - Temporary persistence in system-wide backups until those backups are overwritten. Our Privacy Policy refers to this as retention until a "Personal Information Removal Date" plus any additional time required by applicable law. ##### **Non-personal / anonymized information** - Data that has been anonymized or aggregated (for example, statistics about approval rates, product performance, or site usage) may be kept longer and used to improve Padder's products and services. - This type of data does not identify you personally. If you want to understand exactly what we hold about you or exercise your privacy rights, you can always start by contacting [support@padder.com](mailto:support@padder.com), and we'll walk you through your options in plain language. - [Residential Tenant](https://help.padder.com/residential-tenant#main-content) - [Start Here: About Padder & Your Options](https://help.padder.com/residential-tenant#start-here-about-padder-your-options) - [Padder Credit Builder](https://help.padder.com/residential-tenant#padder-credit-builder) - [Eligibility: Who Padder Is For](https://help.padder.com/residential-tenant#eligibility-who-padder-is-for) - [Coverage & Limits: What’s Protected](https://help.padder.com/residential-tenant#coverage-limits-whats-protected) - [Pricing, Payment & Refunds](https://help.padder.com/residential-tenant#pricing-payment-refunds) - [Applying to Padder: How the Process Works](https://help.padder.com/residential-tenant#applying-to-padder-how-the-process-works) - [Troubleshooting Your Application](https://help.padder.com/residential-tenant#troubleshooting-your-application) - [Your Responsibilities & the Indemnity Agreement](https://help.padder.com/residential-tenant#your-responsibilities-the-indemnity-agreement) - [Managing Your Policy: Changes, Transfers & Reapplying](https://help.padder.com/residential-tenant#managing-your-policy-changes-transfers-reapplying) - [Trust, Safety & Support](https://help.padder.com/residential-tenant#trust-safety-support) - [Frequently Asked Questions](https://help.padder.com/residential-tenant#frequently-asked-questions) - [Residential Operator](https://help.padder.com/residential-operator#main-content) - [Getting Started & Referrals](https://help.padder.com/residential-operator#getting-started-referrals) - [Coverage & Claims](https://help.padder.com/residential-operator#coverage-claims) - [Frequently Asked Questions](https://help.padder.com/residential-operator#frequently-asked-questions) - [Terms of use](https://padder.com/terms-of-use/) - [Privacy Policy](https://padder.com/privacy-policy/) - [Privacy Statement](https://resources.padder.com/privacy-statement) - [Disclosure Statement](https://resources.padder.com/disclosure-statement) - [Regulatory Disclosures](https://resources.padder.com/regulatory-disclosures) - [CISRO Conduct Sheet](https://www.cisro-ocra.com/Documents/View/2471) - [Broker Fact Sheet](https://www.ribo.com/wp-content/uploads/2025/01/RIBO_Conduct_Sheet_040622-fact_sheet-1.pdf) - [Contact us](https://resources.padder.com/support) [![Padder Logo](https://help.padder.com/hs-fs/hubfs/Padder%20Logo.png?width=180&height=52&name=Padder%20Logo.png "Padder Logo")](https://www.padder.com) Padder Underwriting Inc. is a licensed insurance broker headquartered in Toronto, Ontario. It arranges coverage for tenants and landlords in provinces where it is licensed to offer insurance products. Padder partners with licensed Canadian insurers to provide your coverage. Need help? Paddie, our AI chat, is here any time. Our team is on email and phone Monday to Friday, 9am to 5pm ET. © 2026 Padder Underwriting Inc. All rights reserved.