Introduction
Canada Business Loan Experts (“we”, “us”, “our”) is committed to protecting the privacy and confidentiality of personal and business information we collect through https://businessloanexperts.ca and in the course of providing brokerage and advisory services. This Privacy Policy explains what information we collect, how we use and share it, your rights, and how we protect data. By contacting us or using our services you agree to the practices described here.

Who we are / Contact information
Canada Business Loan Experts
Website: https://businessloanexperts.ca
Privacy contact / Data protection inquiries: [email protected]

Information we collect
We collect information necessary to evaluate and place financing, operate the website, and communicate with clients, referral partners and prospective lenders. This may include:

• Business information: company name, registration/jurisdiction, industry, annual revenue, sales/channel data.
• Financial documents: profit and loss statements, balance sheets, bank statements, merchant statements, accounts receivable/payable schedules, cap table and related underwriting documentation.
• Personal information: names, business and personal email addresses, phone numbers, home or business addresses, government ID where required for KYC/AML, guarantor or principal details.
• Website data: IP addresses, browser and device information, cookies and usage analytics.
• Communications: emails, voicemails, and messages exchanged with us.

How we use your information
We use collected information to:

• Assess financing needs and eligibility and to source and place loans, leases, lines of credit, merchant cash advances and other financial products;
• Prepare and submit applications and supporting documentation to lenders and capital partners;
• Communicate with you, your advisors and our partners about the status of financing requests;
• Maintain our systems, improve services and for internal recordkeeping and compliance (including KYC/AML and fraud prevention);
• Send administrative communications and service-related notices.

Sharing and disclosure of information
To place financing we must share client information with lenders, funding partners, service providers and, where applicable, referral partners. We limit disclosures to information reasonably required to evaluate or fund a transaction and:

• We will obtain client consent before sharing identifiable client data with prospective lenders and partners unless disclosure is necessary to comply with law or to protect our legal rights.
• We require third‑party lenders and service providers to protect confidential information and to use it only for the purposes we specify where contractual safeguards are possible. Many lenders and platforms maintain their own privacy policies — you should review them because they govern those parties’ use of your information.
• We may disclose information to comply with legal obligations, to respond to lawful requests by public authorities, or to enforce our terms and protect our rights.
• Aggregate or anonymized data that does not identify individuals may be used for analysis and marketing.

Cross‑border transfers
Some lenders and service providers operate outside Canada. By working with us you acknowledge that your information may be transferred to jurisdictions with different data protection laws. Where possible we use contractual safeguards or other protections to protect data transferred internationally.

Security and confidentiality measures
We take commercially reasonable technical, administrative and physical measures to protect personal and financial information, including secure transmission (TLS/HTTPS), access controls, password protection, staff training, and secure storage. We restrict access to data to employees, contractors and partners who need it to perform their duties.

Important caveat on limits to security: while we implement reasonable safeguards, no system is impenetrable. We cannot guarantee absolute security and we are not responsible for unauthorized access, disclosure or other loss caused by circumstances outside our reasonable control, including but not limited to: cyber attacks, interception, acts of third parties, misrouting or disclosure by third‑party systems, client or third‑party failure to maintain security, or government action. In such events we will take appropriate steps to investigate, mitigate harm, and notify affected parties where required by law.

Cookies and website tracking
We use cookies and similar technologies to operate the website, improve user experience and measure site usage. Standard WordPress cookies and third‑party analytics may be used. You may control cookie preferences through your browser. Embedded content from other websites on our pages may collect data as if you visited their site — please consult the third party’s privacy policy for details.

Retention of data
We retain personal and business information only as long as necessary for the purposes described, including for underwriting, regulatory and recordkeeping requirements, and to allow us to provide ongoing services or resolve disputes. Typical retention periods will reflect business needs and legal obligations; you may request details for your specific file.

Your rights and choices
Where applicable law provides rights, you may:

• Request access to the personal information we hold about you;
• Request correction of inaccurate or incomplete information;
• Request deletion of your personal information, subject to our legal and regulatory obligations to retain certain records;
• Withdraw consent for certain processing activities (where processing is consent‑based);
• Lodge a complaint with a supervisory authority.
  To exercise any rights or ask questions contact [email protected]. We will respond within applicable legal timeframes.

Third‑party links and services
Our site and our transaction workflows may include links to third‑party websites, lenders, and tools. We are not responsible for the privacy practices of third parties. When you provide data to a third party (including lenders), their privacy policy governs their use of your information.

Confidential handling in the brokerage process
We treat client documents and communications as confidential. When sharing documents with lenders or partners we mark files as confidential, restrict distribution to necessary parties, and request contractual confidentiality where practicable. We will not publish or market identifiable client information without explicit consent. Any referral of client information to a third party will be done only with client consent or as required to complete the financing transaction.

Changes to this policy
We may update this Privacy Policy from time to time. Material changes will be posted on this page with an updated effective date. Continued use of our services after changes constitutes acceptance of the revised policy.

How to contact us
For privacy questions, to request access, correction, deletion, or to raise concerns, email: [email protected]

Effective date
This policy is effective as of the date shown on the website. Please check this page periodically for updates.