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Privacy Policy

1. Introduction

Van Island Business Capital (“we,” “us,” or “our”) is committed to protecting the privacy and confidentiality of personal and business information entrusted to us. This Privacy Policy explains how we collect, use, disclose, and safeguard information in compliance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable Canadian privacy laws.

By using our website or services, you consent to the collection, use, and disclosure of information as described in this policy.

2. Information We Collect

We may collect the following types of information:

a) Personal Information

  • Name

  • Email address

  • Phone number

  • Business address

  • Identification information (where required for compliance)

b) Business Information

  • Business name and structure

  • Financial and banking information

  • Revenue and transaction data

  • Credit-related information

c) Technical & Usage Information

  • IP address

  • Browser type and device information

  • Pages visited and time spent on our website

  • Cookies and similar tracking technologies

3. How We Use Information

We collect and use information for legitimate business purposes, including to:

  • Evaluate financing inquiries and applications

  • Communicate with clients and prospective clients

  • Facilitate funding through third-party lenders or partners

  • Meet legal, regulatory, and compliance obligations

  • Improve our website, services, and user experience

  • Send transactional and service-related communications

We do not sell personal information.

4. Consent

Consent is obtained when you:

  • Submit a form or application

  • Contact us directly

  • Use our website

  • Agree to receive electronic communications

You may withdraw consent at any time, subject to legal or contractual restrictions.

5. Electronic Communications (CASL)

In accordance with Canada’s Anti-Spam Legislation (CASL), we may communicate with you via email, phone, or SMS for business-related purposes. You may opt out of non-essential communications at any time using the unsubscribe mechanism or by contacting us directly.

6. Disclosure of Information

We may disclose information to:

  • Third-party lenders and financing partners

  • Credit reporting agencies (where applicable)

  • Service providers supporting our operations (e.g., CRM, hosting, analytics)

  • Regulatory or legal authorities when required by law

All third parties are required to protect information in a manner consistent with this Privacy Policy.

7. Safeguards & Data Security

We implement commercially reasonable administrative, technical, and physical safeguards to protect personal and business information against unauthorized access, use, disclosure, or loss.

Despite safeguards, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

8. Cookies & Analytics

Our website uses cookies and similar technologies to:

  • Improve site functionality

  • Analyze usage trends

  • Enhance user experience

You may disable cookies through your browser settings; however, some features of the site may not function properly.

9. Retention of Information

Information is retained only as long as necessary to fulfill the purposes outlined in this policy, or as required by law, regulation, or contractual obligations.

10. Access & Correction

You have the right to:

  • Request access to your personal information

  • Request corrections to inaccurate or incomplete information

Requests must be submitted in writing and may require identity verification.

11. Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of external sites. We encourage users to review third-party privacy policies independently.

12. Children’s Privacy

Our services are intended for businesses and individuals 18 years of age or older. We do not knowingly collect information from minors.

13. Changes to This Privacy Policy

We reserve the right to update this Privacy Policy at any time. Changes will be effective upon posting to our website. Continued use of our services constitutes acceptance of the updated policy.

14. Contact Information

If you have questions, concerns, or requests regarding this Privacy Policy or how your information is handled, please contact: (778) 562-9117

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