Privacy Policy

1. Information We Collect

We may collect the following types of information:

• Personal Identification Information: Name, address, phone number, email address, date of birth.
• Financial Information: Bank account details, income, and business financials.
• Identification Documents: Government-issued ID, Social Insurance Number (SIN) (where permitted by law).
• Usage Data: Information about how you interact with our website or services, such as IP address, browser type, and pages visited.
• Credit Information: Data obtained through credit checks with our third-party partners, with your explicit consent.

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2. How We Collect Your Information

We collect personal information through:

• Online and paper forms completed by you.
• Communications via phone, email, or in-person interactions.
• Automated technologies when you use our website.
• Third-party credit reporting agencies and financial institutions (with your consent).

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3. Consent

By engaging with our services and completing any forms, you explicitly agree to:

• The collection, use, and sharing of your personal information as outlined in this policy.
• The use of your information to perform credit checks through authorized third-party partners.

If you are a resident of Quebec, your consent is collected in accordance with the Act Respecting the Protection of Personal Information in the Private Sector (Quebec).

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4. Use of Your Information

We use your information to:

• Provide and manage our services.
• Assess eligibility for credit and financing solutions.
• Conduct identity verification and fraud prevention.
• Perform credit checks with authorized partners.
• Improve customer service and support.
• Comply with legal and regulatory requirements.

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5. Sharing Your Information

We do not sell your personal information. However, we may share your information with:

• Credit Reporting Agencies: To assess creditworthiness.
• Financial Partners: To provide financing or other services you have requested.
• Service Providers: For administrative, technological, and analytical support.
• Legal and Regulatory Authorities: When required by law.

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6. Protection of Your Information

We implement robust security measures to protect your data from unauthorized access, alteration, or disclosure, including:

• Encryption of sensitive information.
• Secure storage and restricted access to data.
• Regular audits of our security practices.

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7. Retention of Information

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this policy or as required by law.

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8. Your Rights

You have the right to:

• Access your personal information and request corrections.
• Withdraw your consent for specific uses, subject to legal or contractual restrictions.
• File a complaint with a privacy regulator if you believe your rights have been violated.

For Quebec residents, you have additional rights under the Act Respecting the Protection of Personal Information in the Private Sector.

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9. Cookies and Online Tracking

Our website may use cookies and similar tracking technologies to improve user experience and analyze website traffic. You can manage cookie preferences through your browser settings.

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10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in laws or our business practices. Any updates will be posted on our website with the effective date.

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11. Contact Us

If you have questions about this Privacy Policy or wish to exercise your rights, please contact us:

CAPFLOW INC.
📧 Email: support@capflow.ca
📞 Phone: (888) 840-0710