Privacy Policy

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Introduction

Bizcap Canada, LLC and its affiliates (“Company,” “We,” or “Us”) respect your privacy and are committed to protecting it through our compliance with this policy. This policy describes the types of information we may collect from you or that you may provide when you visit the website bizcapfunding.ca and related web pages (the “Website”), as well as our mobile application Bizcap Mobile, and our practices for collecting, using, maintaining, protecting, and disclosing that information.

This policy applies to information:

• We collect on this Website and our mobile application, and our interactions with you, whether online or offline.
• We collect in email, text, and other electronic messages between you and this Website.
• We collect through mobile and desktop applications you download from this Website, which provided dedicated non-browser-based interaction between you and this Website.
• We collect when you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this policy.
• Collected by a third party (including our affiliates), including through any application or content(including advertising) that may link to or be accessible from or on the Website or mobile application.

Children Under the Age of 18

• Our Website and mobile application are not intended for children under 18 years of age. No one under age 18 may provide any information to or on the Website or mobile application. We do not knowingly collect personal information from children under 18. If you are under 18, do not use or provide any information on this Website or mobile application or through any of its features, register on the Website or mobile application, make any purchases through the Website or mobile application, use any of the interactive or public comment features of this Website or mobile application, or provide any information about yourself to us, including your name, address, telephone number, email address, social security/insurance number, drivers license number or any screen name or username you may use. If we learn we have collected or received personal information from a child under 18 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 18, please contact us at: info@bizcapfunding.ca.

Information We May Collect About You and How We Collect It

We may collect several types of information from and about users of the Website or mobile application, including information:

• By which you may be personally identified, such as name, date of birth, postal address, email address, telephone number, tax number, or any other identifier by which you may be contacted online or offline (“personal information”);
• That is about you but individually does not directly identify you, or from which your identify may be inferred; and/or
• About your internet connection, the equipment you use to access the Website or mobile application, and usage details.

We may collect this information:

• Directly from you when you provide it to us.
• Automatically as you navigate through the Website or mobile application.
• From third parties, for example, our business partners.

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Information Provided by You Directly

The information you provide to us directly may include:

• Information that you provide by filling in forms on the Website or mobile application. This may include information provided at the time of registering to use the Website or mobile application, subscribing to our service, posting material, or requesting further services. We may also ask you for information when you enter a contest or promotion sponsored by us, and when you report a problem with the Website or mobile application.
• Records and copies of your correspondence (including email addresses), if you contact us.
• Your responses to surveys that we might ask you to complete for research purposes.
• Details of transactions you carry out through the Website and details of your financial accounts and related information (including but not limited to tax returns, bank account statements and credentials, accounts receivable statements).
• Your search queries on the Website or mobile application.

You also may provide information to be published or displayed (hereinafter, “posted”) on public areas of the Website or mobile application or transmitted to other users of the Website or mobile application or third parties (collectively, “User Contributions”). Your User Contributions are posted on and transmitted to others at your own risk. Although we limit access to certain pages, please be aware that no security measures are perfect or impenetrable. Additionally, we cannot control the actions of other users of the Website or mobile application with whom you may choose to share your User Contributions. Therefore, we cannot and do not guarantee who may viewyour User Contributions. .

Information Collected Automatically

As you navigate through and interact with the Website or mobile application, we may use automatic data collection technologies including analytics services, cookies and web beacons  to collect certain information about your equipment, browsing actions, and patterns, including:

• Details of your visits to the Website or mobile application, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website or mobile application.
• Information about your computer and internet connection, including your IP address, operating system and browser type.
• Information collected through cookies, web beacons, and other tracking technologies.

We also may use these technologies to collect information about your online activities over time and across third-party websites or other online services (behavioral tracking). For information on how you can opt out of behavioral tracking on the Website (to the extent permitted or required by applicable law) and how we respond to web browser signals and other mechanisms that enable consumers to exercise choice about behavioral tracking, see How We Respond to “Do Not Track” Signals, below.

The information we collect automatically may include personal information, or we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us to improve the Website and mobile application and to deliver a better and more personalized service, including by enabling us to:

• Estimate our audience size and usage patterns.
• Store information about your preferences, allowing us to customize the Website and mobile application according to your individual interests.
• Speed up your searches.
• Recognize you when you return to the Website or mobile application and
• Combat fraud.

The technologies we use for this automatic data collection may include:

• Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer or other device. Unless otherwise required by applicable law, you may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of the Website or mobile application. Unless you have adjusted your browser setting so that it will refuse cookies, or unless otherwise required by applicable law, our system will issue cookies when you direct your browser to the Website or when you use the mobile application.
• HTML5 Cookies. Certain features of the Website or mobile application may use local stored objects (or HTML5 cookies) to collect and store information about your preferences and navigation to, from, and on the Website or mobile application. HTML5 cookies are not managed by the same browser settings as are used for browser cookies. For information about managing your privacy and security settings for HTML5 cookies, see Choices About How We Use and Disclose Your Information, below.
• Web Beacons. Pages of the Website, mobile application and our e-mails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain Website content and verifying system and server integrity).

Third-Party Use of Cookies and Other Tracking Technologies

Some content or applications, including advertisements, on the Website or mobile application may be served by third parties, including advertisers, ad networks and servers, content providers, and application providers.

These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our Website or mobile application. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content. Among others, the Website is served by Google Analytics that sets cookies to calculate visitor, session and campaign data and track site usage for the site's analytics report. The cookies store information anonymously and assign a randomly generated number to recognize unique visitors. You can usually adjust your browser settings to accept or reject cookies. Please be aware that disabling cookies may affect the functionality of certain areas of our website.

We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly. For information about how you can control whether you receive targeted advertising from many providers, see Choices About How We Use and Disclose Your Information, below.

How We Use Your Information

We may use information that we collect about you or that you provide to us, including any personal information:

• To present the Website, the mobile application and their contents to you.
• To provide you with information, products, or services that you request from us.
• To process and service your transactions, including financial applications.
• To confirm your identity and monitor, detect and prevent fraud related to your accounts.
• To provide you with notices about your account, including expiration and renewal notices.
• To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.
• To improve our products and services.
• To notify you about changes to the Website, mobile application or any products or services we offer or provide though it.
• To allow you to participate in interactive features on the Website or mobile application.
• In any other way we may describe when you provide the information.
• To fulfill any purpose for which you provide it and
• For any other purpose with your consent.

We may also use your information to contact you about our own and third-parties’ goods and services that may be of interest to you if you registered for our newsletter upon sign-up. If we have sent you a promotional email, you may opt out of future promotional emails by clicking the “Unsubscribe” button in the body of the email. For more information, see Choices About How We Use and Disclose Your Information, below.

To the extent permitted by applicable law, we may use the information we have collected from you to enable us to display advertisements to our advertisers’ target audiences. Even though we do not disclose your personal information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria unless prohibited from doing so under applicable law.

Disclosure of Your Information

We may disclose aggregated or anonymized information about our users, and information that does not identify any individual, without restriction to the extent permitted by law.

We may disclose personal information that we collect or you provide as described in this privacy policy:

• To our subsidiaries and affiliates.
• To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of the Company’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by the Company about the Website users is among the assets transferred.
• To loan and transaction servicers.
• To credit reporting agencies.
• To contractors, service providers, and other third parties that we otherwise use to support our business or to third parties to market their products or services to you if you have consented to these disclosures by registering for our newsletter and as otherwise required by applicable law. We contractually require these third parties to keep personal information confidential and use it only for the purposes for which we disclose it to them. For more information, see Choices About How We Use and Disclose Your Information, below.
• To fulfill the purpose for which you provide it. For example, if you give us an email address to use a “refer a friend” feature of the Website, we may transmit the contents of that email and your email address to the recipients.
• For any other purpose disclosed by us when you provide the information.
• For any other purposes permitted or required by applicable law.

We may also disclose your personal information:

• To comply with any court order, law, regulation, rule, or legal process, including to respond to any government or regulatory request.
• To enforce or apply our Terms of Use and other agreements, including for billing and collection purposes.
• If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of the Company, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

Bizcap Canada LLC is located in the United States. We may store, process and/or transfer your information outside your jurisdiction of residence, including in the United States. Consequently, your information may be subject to the local laws of the jurisdiction to which it is transferred, and it may be accessible to local governments, tribunals, law enforcement and regulatory agencies.

For more information about how we transfer your information, please contact us using the information contained in the “Contact Information” section below.

Choices About How We Use and Disclose Your Information

You have choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:

• Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. To learn how you can manage your HTML5 cookie settings, visit the HTML5 player settings page on Adobe’s website. If you disable or refuse cookies, please note that some parts of this Website and/or mobile application may then be inaccessible or not function properly.
• Unless otherwise required by applicable law, your mobile device may give you the ability to opt out of the use of information regarding the apps that you use for targeted advertising. You may opt out of the collection of location information by specific apps or from your entire device at any time by changing your preferences on your mobile device. Note that when location services have not been enabled in your apps, we may infer data about your location based on your IP address. For more information regarding your preferences and options, please see the link found here http://www.networkadvertising.org/mobile-choice.
• Disclosure of Your Information for Third-Party Advertising. If you do not want us to share your personal information with unaffiliated or non-agent third parties for promotional purposes, you can also always opt-out of future promotional emails by clicking the “Unsubscribe” button in the body of the email, unless otherwise required by applicable law.
• Promotional Offers from the Company. If you do not wish to have your email address or other contact information used by the Company to promote our own or third parties’ products or services, you may opt out of future promotional emails by clicking the “Unsubscribe” button in the body of the email. This opt out may not apply to information provided to the Company as a result of any accounts you have with us, financial application, product service experience or other transactions.
• Targeted Advertising. We do not currently engage in targeted advertising. In the future, if you have received a promotional email via targeted advertising, you may opt out of future promotional emails by clicking the “Unsubscribe” button in the body of the email, unless otherwise required by applicable law.
• We do not control third parties’ collection or use of your information to serve interest based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way, unless otherwise required by applicable law. You can opt out of receiving targeted ads from members of the Network Advertising Initiative (“NAI”) on the NAI’s website (https://optout.networkadvertising.org/).

Canada residents may have additional personal information rights and choices. Please see Your Canada Privacy Rights, below, for more information. However, please know we do not currently sell data triggering that statute’s opt-out requirements.

Accessing and Correcting Your Information

You may send us an email at info@bizcapfunding.ca to request access to, correct or delete any personal information that you have provided to us. We cannot delete your personal information except by also deleting your user account. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

If you delete your User Contributions from the Website or mobile application, copies of your User Contributions may remain viewable in cached and archived pages or might have been copied or stored by other users. Proper access and use of information provided on the Website or mobile application, including User Contributions, is governed by our Terms of Use.

Canada residents may have additional personal information rights and choices. Please see Your Canada Privacy Rights, below, for more information

How We Respond to “Do Not Track” Signals

Because there currently is not an industry or legal standard for recognizing or honoring Do Not Track (“DNT”) signals, we do not respond to them at this time. We await the result of work by the privacy community and industry to determine when such a response is appropriate and what form it should take.

Data Security

We and our service providers have implemented physical, technological and organizational measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on secure servers behind firewalls. The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of the Website or mobile application, you are responsible for keeping this password confidential.

We ask you not to share your password with anyone. We urge you to be careful about giving out information in public areas of the Website or mobile application like message boards. The information you share in public areas may be viewed by any user of the Website or mobile application. Unfortunately, the transmission of information via the internet is not completely secure.

Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to the Website or mobile application. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website or mobile application.

Your Canada Privacy Rights

Residents of Canada have privacy rights that may vary based on the province/territory in which you live. Under certain circumstances and subject to applicable laws, supported by a written request and proof of identification, you may access information about you that we have collected, used or disclosed, and/or ask that it be corrected, and/or withdraw your consent to our disclosure or use of your information.

As required or permitted by applicable law, you may be entitled to additional rights, including: (i) the right to control the dissemination of your Information; (ii) the right to receive computerized information collected from you in a structured, commonly used and technological format and to have this information transferred directly to another organization; (iii) the right to be informed of and submit observations regarding automated decision-making; and (iv) the right to request information about data processing.

Finally, you also have a right to lodge a complaint with a competent data protection authority, in particular in the region where you normally reside, where we are based or where an alleged infringement of data protection law has taken place.

To exercise any of these rights, please contact us as set forth in the “Contact Information” section below.

In some cases, we collect your consent to collect, use or disclose your personal information for purposes set out in this Privacy Policy. Please note, you cannot withdraw your consent to the collection, use and disclosure of your personal information if (i) we are legally required to collect, use or disclose your personal information; (ii) it relates to a product we have granted to you and where we are required to collect and exchange your personal information on an ongoing bases with credit bureaus or other funders, or (iii) it is being shared with our affiliates that are providing you with a jointly offered product or service. Withdrawing your consent in certain situations may also mean that we may not be able to provide you with the products or services you have or requested.

We may monitor or record our incoming or outgoing telephone calls to ensure accuracy, security, service quality for training purposes, to protect you against fraud, and to establish a record. We will tell you when we are recording a call and if you do not wish to have your call recorded you have other options to conduct business with us such as online or contacting us in writing.

Changes to Our Privacy Policy

It is our policy to post any changes we make to our privacy policy on this page. If we make material changes to how we treat our users’ personal information, we will notify you through a notice on the Website home page, or directly if required by applicable law. The date the privacy policy was last revised is identified at the top of the page.

You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting the Website or mobile application and this privacy policy to check for any changes.

Contact Information

To ask questions or comment about this privacy policy and our privacy practices, to exercise your privacy rights, or to register a complaint or concern, please contact our Customer Service Representative at: info@bizcapfunding.ca

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