Privacy Policy | Canada Loan Experts

Last updated: November 1, 2026

Draft for legal review. This policy has been prepared to reflect how the business operates and the requirements of PIPEDA and Quebec's Law 25. It should be reviewed by counsel before launch and whenever practices change.

1. Who we are

Canada Loan Experts ("Canada Loan Experts", "we", "us") operates canadaloanexperts.com. We are a business financing brokerage and a registered Independent Sales Organization (ISO) for payment processing services. We are not a lender. This policy explains how we handle personal information about business owners, guarantors, referral partners and website visitors.

Our Privacy Officer can be reached at info@canadaloanexperts.com or 1-888-555-0137.

2. What we collect

Information you give us

Pre-qualification and contact forms: your name, business name, phone, email, province, industry, time in business, revenue range, amount requested and use of funds.
Full application (collected by phone, secure portal or signed document, never through the public website): legal entity details, business address, business number, ownership percentages, owner names, dates of birth, home addresses, government ID, Social Insurance Numbers where required by a funding partner, bank account details, business bank statements, and payment processing statements.
Partner program: your name, company, role, contact details and referral information you submit about your clients, with their consent.

Information collected automatically

Device and usage data (IP address, browser, pages visited, referring site) through cookies and analytics tools. See Section 8.

Information from third parties

Credit bureau reports and scores (Equifax Canada, TransUnion Canada) obtained by us or by funding partners with your consent.
Bank and processor information you authorize us or a funding partner to obtain.

3. Why we collect it

To assess your eligibility and prepare your file for funding partners.
To transmit your application and supporting documents to funding partners who may make you an offer.
To set up or review payment processing services through our sponsoring processors.
To communicate with you about your application, offers, renewals and related services.
To pay and report to referral partners.
To comply with legal obligations, including anti-money-laundering and record-keeping requirements that apply to us or our partners.
To operate, secure and improve our website and services.

4. Consent

By submitting a form on our website you consent to the collection and use described here and to being contacted by phone, text and email about your request. During the full application you will be asked to sign an authorization permitting us and our funding partners to obtain credit reports and bank information and to share your file for the purpose of obtaining offers. You may withdraw consent at any time by contacting our Privacy Officer, subject to legal and contractual restrictions; withdrawing consent may mean we cannot continue to process your application.

5. Who we share it with

Funding partners: lenders and merchant cash advance providers who review your file to make an offer. Each is responsible for its own privacy practices once it receives your information.
Payment processors and acquiring banks when you request processing services. Processing agreements may be issued under the processor's or sponsoring ISO's legal name.
Credit bureaus for the purpose of obtaining reports with your consent.
Service providers that host our website, CRM, e-signature, document storage and communications, under contracts that restrict their use of your information. Some providers store data in the United States; see Section 9.
Referral partners who introduced you: limited status updates (contacted, approved, funded), not your financial details.
Legal and regulatory authorities where required by law.

We do not sell personal information.

6. Sensitive information and retention

We minimize sensitive data. Social Insurance Numbers, dates of birth and government ID are collected only when a funding partner requires them and are removed from our systems once your file has been placed or declined, except where retention is required by law. Business bank statements and application records are retained for the period needed to service your account and meet legal obligations, after which they are securely deleted. Marketing contact records are retained until you unsubscribe or request deletion.

7. Security

Information is transmitted using TLS encryption and stored with access controls limited to staff who need it. We do not ask for passwords or banking login credentials. Despite our safeguards, no method of transmission or storage is completely secure.

8. Cookies and analytics

We use cookies and similar technologies for site functionality, analytics (such as Google Analytics) and marketing measurement (such as HubSpot tracking). You can disable cookies in your browser; some features may not function. Where required by law we obtain consent before setting non-essential cookies.

9. Where your information is stored

We and our service providers may store and process information in Canada and the United States. Information stored outside Canada may be accessible to foreign authorities under applicable law. Quebec residents: personal information may be communicated outside Quebec as described in this policy.

10. Your rights

You may request access to the personal information we hold about you, ask us to correct it, withdraw consent, or request deletion where permitted by law. Quebec residents also have the right to request information about automated decision-making and data portability as provided by Law 25. Contact our Privacy Officer; we will respond within 30 days.

11. Electronic communications

Our commercial electronic messages comply with Canada's Anti-Spam Legislation (CASL). Every marketing email includes an unsubscribe link. You can also opt out by replying STOP to a text message or by contacting us.

12. Children

Our services are for businesses and their adult owners. We do not knowingly collect information from anyone under 18.

13. Changes

We may update this policy. The date at the top reflects the latest revision. Material changes will be posted on this page.

14. Complaints

If you are not satisfied with our response to a privacy concern, you may contact the Office of the Privacy Commissioner of Canada or your provincial privacy commissioner.