Fincap Financial Group (hereinafter "Fincap") specializes in commercial equipment financing. In the course of its activities, Fincap is required to collect, use and disclose personal information.
Respecting your privacy and your personal information is of the utmost importance to Fincap and every effort has been made to maintain the confidentiality of the information we hold about our customers, including personal information provided to us.
1. COLLECTION AND USE OF PERSONAL INFORMATION
In the course of its activities, Fincap may or must collect several types of personal information, depending on the circumstances.
Personal information is information that, taken alone or in combination with other data, identifies, directly or indirectly, a natural person or sensitive information about the organization in which that person works.
Personal information collected by Fincap is confidential. Only those persons who need to know this information or whose duties reasonably require them to know it have access to it. This information will be made public or communicated to third parties only in compliance with the limits established by this Policy or, in exceptional circumstances, after obtaining the express consent of the persons concerned.
The table below contains a complete list of the personal information that Fincap may collect, as well as a description of how this information may be used:
When applying for a loan or lease
- Identity (first and last name);
- Date of birth;
- Address and postal code;
- Title, if any;
- Personal and/or business e-mail address;
- Individual or organization contact (phone, fax);
- Driver's license;
- Social insurance number, if required to obtain credit bureau;
- Information about employees, customers or beneficiaries;
- Financial information: financial statements, income tax returns, credit reports, and any other such information; deemed essential for processing the application;
- Banking information, account number, institution, mortgage;
- Information about employees, customers or beneficiaries
- Identify and contact the individual and/or organization requesting the loan or lease;
- Processing the request;
- Obtain credit history;
- Disbursing the loan or lease;
- Announce and broadcast the loan/lease on our social media networks and website (with your consent);
Staffing and human resources management
- Curriculum vitae;
- Social insurance number;
- Number, age and address;
- Phone number;
- Identify the employee;
- Prepare employee payroll;
- Keep employee files;
- Prepare tax and government documents for the employee;
Some information can also be obtained from various public sources, such as the company register, social networks and other government sites.
2. SHARING PERSONAL INFORMATION
Personal information that Fincap collects and holds about its customers is only disclosed when consent has been obtained from the customer, except in situations where it is not required by law.
Fincap may, in the course of its activities, share personal information with certain third parties (who are bound by the same privacy obligations to which we are subject), including :
certain third parties mandated to carry out certain tasks in the processing of the loan application;
certain third parties who provide us with computer, web and data hosting services, who may have access to the personal information we hold, strictly for the purposes of the services they provide to us;
government authorities and regulatory bodies, where required by law, and to professionals providing services to our firm (legal advisors, financial advisors, insurance brokers and agents, bankers, accountants, experts).
3. LENGTH OF TIME PERSONAL INFORMATION IS RETAINED
Fincap retains personal information only as long as necessary for the purposes stated in this policy and to comply with its contractual and legal obligations.
4. WEBSITE AND DATA STORAGE
The Fincap website is managed by Momentumm and hosted by Site Ground.The files and personal information that Fincap collects and processes are hosted by Zoho Canada Corporation, whose servers are located in Canada.
5. CONFIDENTIALITY AND SECURITY MEASURES
Your privacy and the confidentiality of your personal information are of the utmost importance to us, and we do everything in our power to preserve it.Fincap is committed to maintaining the highest standards of security to protect the information submitted to us, both at the time of transmission and once it is received.
Measures have also been put in place to ensure that only those who have a need to know, or whose duties reasonably require them to know, have access to personal information.
Despite our commitment to maintaining a high level of protection for the personal information you provide to us, we cannot guarantee that your personal information is safe from breach or hacking, as no physical or virtual storage medium can offer this type of guarantee.
In addition, Fincap cannot ensure the complete protection of personal information transmitted to it through the site and cannot be held responsible for any breach of confidentiality parameters or protection devices integrated into the site. Consequently, you assume all risks associated with the use of the site, the transmission of data or information, personal or otherwise, via the site, the downloading of documents or images from the site, or the use of hypertext links available on the site, as the case may be.
This mainly concerns the following information:
- IP address
- Operating system
- Visited pages and queries
- Time and day of connection
The use of such files allows us to improve our service and personalized welcome.
In addition, the site integrates social network buttons allowing you to share your activity on the
site. Cookies from these social networks may therefore be stored on your computer when you
use these functions.
site. We invite you to consult the privacy policies and general conditions of use of these sites.
You can prevent cookies from being stored by configuring your browser. If you decide to
deactivate cookies, you will then be able to continue browsing the site, but some functions may
not be available.
- To evaluate your use of the website
- Compile reports on website activity
- To provide other services relating to website activity and Internet use
Subject to certain exceptions provided by law, individuals have the following rights with respect to their personal information collected by Fincap:
Right of Access: The right to access personal information held by Fincap and to receive a general account of our use of such personal information. Upon receipt of a written request to this effect, Fincap will provide a copy of the personal information to the person concerned, subject to the exceptions provided by law. In the event of refusal, Fincap undertakes to inform the person making the request of the reasons for the refusal.
Right of rectification: the right to request rectification of erroneous or inaccurate personal information. Where appropriate, such rectified personal information will also be provided to the parties to whom Fincap is authorized to disclose it.
Right to erasure: the right to request the deletion or removal of personal information in certain circumstances, for example when Fincap no longer needs the personal information for the purposes for which it was collected, or upon withdrawal of consent. Where appropriate, Fincap will, to the extent possible without disproportionate effort, take the necessary steps to inform third parties to whom such information has been disclosed in accordance with this policy of the exercise of this right.
Your Right to Withdraw Consent: Individuals may withdraw their consent to the collection, use and disclosure of their personal information by Fincap at any time. However, upon withdrawal of consent, Fincap may not be able to continue to respond to the individual's requests, including the processing of loan applications.
9. PERSON RESPONSIBLE FOR PERSONAL INFORMATION
Fincap has designated Melyssa Frenete-Bruyere as its Privacy Officer. You may contact this person if you have any questions about the Policy or how your information is handled, or to exercise your privacy rights.
You can reach the Privacy Officer at the following coordinates:
Fincap Financial Group
510 Blvd Maloney E #104,
T : 1-866-FINCAP-1
F : 1-888-346-2271
10. MODIFICATION OF THIS POLICY
Fincap reserves the right to modify the Policy at any time without notice. Any person may consult the Policy at any time on the Fincap website.
Any changes to the Policy will be posted on the Fincap website.