This Privacy Policy applies to www.capitalflowsolutions.com, which is owned and operated by CapitalFlow Solutions (“CapitalFlow,” “Us,” or “We”). This Privacy Policy describes how CapitalFlow collects and uses the personal information you provide on our website www.capitalflowsolutions.com (“Website”) in order to provide our business financing products and services (collectively, the “Service”). It also describes the choices available to you regarding our use of your personal information and how you can access and update such information. For purposes of this Privacy Policy, “Personal Information” means information that personally identifies you, including your contact information, IP address, loan application information, and business information.

Information We Collect. We collect the following information from you:

• Contact information such as name, email address, mailing address, and phone number;
• Financial information such as bank statements, credit history, payment behavior, bank account information, and tax ID number;
• Social security number;
• Unique identifiers such as user name and password, and IP address; and
• Business information including company name, company size, and business type.

We may also collect information through site visits. We may supplement the data you provide with additional information obtained from third parties. Once you are a CapitalFlow customer, we may contact you for additional information if needed.

Use of Information. We use the information we collect to:

• Compile, save, use, and analyze your Personal Information in both personally-identifiable and aggregated forms;
• Operate, maintain, improve, and provide the Service to you;
• Verify your identity;
• Register you as a user and identify you when you sign in to your account;
• Determine whether you qualify for one of our loan products;
• Process your account, including processing payments;
• Communicate with you to send notifications, respond to inquiries, and send marketing communications; and
• File any necessary documents related to your loan application.

Privacy and Sharing of Information. CapitalFlow will share your Personal Information with third parties only as described in this Privacy Policy. We do not sell your Personal Information to third parties. We will provide your Personal Information to trusted business partners and service providers to help us with our business activities, such as offering customer service or processing credit checks. These companies are authorized to use your Personal Information only as necessary to provide these services to us. We may also disclose your Personal Information:

• As required by law, such as to comply with a subpoena, or similar legal process, including in a bankruptcy proceeding;
• When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a request from a governmental entity;
• In connection with a merger, acquisition, or sale of all or substantially all of our assets or equity, in which case, you will be notified of any change in ownership or uses of your Personal Information; and
• With your prior consent.

User Access and Choice. If your Personal Information changes, or if you no longer desire our Service, you may correct, update, amend, or delete/remove it by contacting us using the contact information provided below. We will respond to your request within a reasonable timeframe. We will retain your information for as long as your account is active or as long as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Opt-Out Policy. CapitalFlow and our business partners may contact you to offer products and services that may be of interest to you. You may choose to stop receiving promotional communications from us and our partners by following the instructions in those communications or by contacting us using the contact information provided below.

Tracking Technologies. We use cookies and similar tracking technologies to analyze trends, administer the Website, track users’ movements around the Website, and gather demographic information about our user base. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our Website, but your ability to use some features or areas of our Website may be limited.

Log Files. We gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may combine this automatically collected log information with other information we collect about you.

Security of Information. We take precautions to protect your information. While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment.

Changes To This Policy. We may update this Privacy Policy to reflect changes to our information practices. If we make any material changes, we will notify you by email or by means of a notice on this Website prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.

If you have any questions about this Privacy Policy, the practices of this Website, or your dealings with this Website, please contact us by email at info@capitalflowsolutions.com or by postal mail at the address listed below.

CapitalFlow Solutions 1118 Robin Montreal QC H2L 1W3