This Privacy Policy applies to (the “Site”) owned and operated by Kingsmen Capital Investments (“Kingsmen Capital”) and to your application for, access to, or receipt of products and services from Kingsmen Capital. Kingsmen Capital is committed to keeping your personal information confidential and secure. This Privacy Policy describes how Kingsmen Capital collects, uses, protects, shares, and retains your information. It also describes the choices available to you regarding the use of, your access to, and how to update and correct your personal information.

Scope and Definitions

This notice describes the privacy practices of Kingsmen Capital and its subsidiaries and affiliates. “We” and “us” mean Kingsmen Capital, our subsidiaries and affiliates, and any of our respective agents and third-party service providers (“service providers”). “You” means a website visitor, applicant, customer, former customer, an owner of, or reference or guarantor for, an applicant.

Personal information means any factual or subjective information in recorded form that identifies or could be used to identify an individual.

Collection of Personal Information

By submitting your personal information to Kingsmen Capital or our service providers and agents, you agree that Kingsmen Capital may collect, use, and disclose such personal information in accordance with this Privacy Policy. If you apply for Kingsmen Capital products or services, the application and any terms and conditions specific to your account may also describe additional purposes for which we collect, use, disclose, and retain personal information.

 The personal information that Kingsmen Capital collects and uses varies depending on our interactions with you. Our objective when collecting and using personal information is to maintain and improve the relationship we have with you; provide you with information about products and services that you will value; reduce the cost associated with maintaining your (and others’) accounts so that we may continue to provide you with a fairly priced product; reduce unwanted or inappropriate marketing; and protect you from unauthorized access to and use of your account or personal information.

The personal information that we may collect from you includes:

  • Contact and identifying information such as name, email address, mailing address, phone number, social insurance number, or other government ID, and date of birth;
  • Billing information such as credit card number, bank account number, void cheque, and billing address;
  • Information about your business such as company name, entity type (e.g., corporation, partnership, sole proprietorship), and business phone number;
  • Information about your relationship, such as whether you are a contact, reference, or guarantor for an applicant;
  • Credit information about you and your business; and
  • Financial information about you and your business, such as sales volume, revenue, seasonal or cyclical income patterns,
    and online banking credentials where you apply for a service that offers data collection directly from your bank account.

By submitting information about other individuals, such as references, guarantors, landlords, emergency contacts, other owners, or employees, you warrant and represent that you have obtained their consent to the collection, use, and disclosure of their personal information in accordance with this Privacy Policy. This consent includes the use of individuals’ contact information to verify information you have provided to us and their consent to receive commercial electronic messages from Kingsmen Capital.

We may collect personal information from multiple sources, including:

  • From you, in an application, agreement, form, correspondence, or verbal communication;
  • From third parties such as credit bureaus, business directories, direct contact with nearby businesses, online searches, financial institutions, and other entities that have extended credit to you;
  • From other people or entities you have identified, such as references (including landlords, suppliers, and franchisors), guarantors, employees, or directors of your company.

We may collect personal information at various times, including:

  • Before we have a business relationship, such as when you send us correspondence, make an inquiry about our products and services, submit an application,
    or after an application has been declined by us or withdrawn by you;
  • During our business relationship, such as when your application and eligibility are being assessed, and during the term of any products, services, or other agreements between us; and
  • After our business relationship, including to assess your eligibility for new or additional products or services, maintain internal records and communication with you, and to analyze and improve our processes, products, and services.

Use of Personal Information

We use personal information about you to:

  • Evaluate, monitor, maintain, service, and collect any application or account you may have with us, including disclosing or exchanging personal information with credit reporting agencies;
  • Develop our relationship with you and offer financial products and services, including evaluating the needs, wants, and satisfaction levels of customers, potential customers, former customers, and others who engage with us, and analyzing and managing our business;
  • Administer services, monitor your purchases, transactions, payments, and evaluate your credit eligibility before, during, and after our business relationship, for the purposes set out in this Privacy Policy;
  • Verify your identity (or that of any authorized user or co-applicant) concerning the account and maintain security measures aimed at the detection and prevention of fraudulent activity in relation to your account;
  • Promote and market products and services offered by Kingsmen Capital, including both products and services that are directly related to your account (such as balance transfers and alternative payment methods) and those that are separate from your account, and including by means of direct marketing;
  • Establish and maintain communications with you and respond, report, or discuss information in response to product and service inquiries or suggestions for improving our products and services;
  • Meet legal and regulatory requirements;
  • For everyday business purposes, such as website management, research, and product and service development.

Use of Credit Information

Credit score and related information are central to most of the financing products and services that Kingsmen Capital provides. As a result, the collection and use of credit information are required to apply for or maintain our products. In order to offer competitively priced products, we collect and analyze credit information about applicants and customers before, during, and after the term of our business relationship, both to assess your eligibility for products and to improve our overall risk assessment tools.

Kingsmen Capital may collect and use credit information at multiple points throughout the term of the business relationship and may continue to collect and use updated information after that relationship has ended, for the purposes described above. If you do not want your credit information to be used by Kingsmen Capital after the term of our business relationship, please contact us using the information provided below.

Use of Your Email Address

We use both Kingsmen Capital servers and servers of other service providers to deliver and report on the progress of email programs and to maintain service and fulfill products and services. When Kingsmen Capital uses a service provider, we prohibit them from using your email address for any other purpose.

With your consent, we may periodically call you or send you commercial electronic messages at the email address or telephone number you provide, including to solicit your feedback on our products and services and/or to provide you with marketing offers that may be of interest to you. With each such call or message, you will have the opportunity to opt out of receiving future commercial electronic messages at that email address. If you are a customer, we reserve the right to use the email address you provide to present you with information about your account. This may include, but is not limited to, activating your accounts, account past due notices, rates available, and adding an authorized user.

We will track the activity of an email (for example, were graphics viewed, was the email opened, were links in the email clicked) to allow us to measure the effectiveness of the email, to provide future offers, and for the fulfillment of products and services. Additionally, for your convenience, we may pre-fill online forms with your email address.

Sharing Personal Information

We will share your personal information with third parties only in the ways that are described in this Privacy Policy and other terms included in applications or agreements with you. Further, we share only the personal information we believe is needed to offer a product or service efficiently or to improve such a product or service.

We may provide your personal information to our service providers, who may be located outside Canada, for purposes related to supporting our business (e.g., sending you emails, fulfillment services, technical support, delivery services), including, without limitation, research and product and service development. These third parties are authorized to use your personal information only as necessary to provide these services to us.

We may also disclose your personal information:

  • To those of our affiliates and related companies that agree to treat it in accordance with this Privacy Policy;
  • To credit bureaus, references, guarantors, and other third parties that require it to identify you, to provide Kingsmen Capital with information about you, to facilitate the credit reporting system, to collect on accounts, to provide products or services to you, or to assess your eligibility for those third parties’ products or services or to meet legal and regulatory obligations;
  • To third parties who offer products or services that we think may be of interest to you;
  • As required by law, such as to comply with a subpoena, bankruptcy proceedings, or similar legal process;
  • 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 government request;
  • In response to lawful requests by public authorities, including to meet national security or law enforcement requirements;
  •  To third parties (who may be located outside of Canada) if Kingsmen Capital is involved in a merger, acquisition, or sale of all or a portion of its assets, in which case you will be notified via email and/or a prominent notice on our website, of any change in ownership and uses of your personal information; and
  • To third party software vendors and service providers;
  • If the rights or property of Kingsmen Capital, its affiliates, subsidiaries, or third party service providers are in jeopardy.
  •  In addition, Kingsmen Capital may create, use, and disclose anonymized and/or aggregated information which does not allow you to be personally identified to third parties.

Sharing Personal Information Outside of Canada

Some of the third parties, service providers, affiliates, or related companies that may collect, use, store, or process your information may be located outside of Canada, including in the United States. As a result, your personal information may be transferred, stored, and/or processed outside Canada in connection with the purposes described in this Privacy Policy. Although Kingsmen Capital uses contractual and other measures to protect your personal information while it is outside Canada, those third parties are subject to the legal requirements of the jurisdictions where your personal information is stored or processed. As a result, there may be lawful requirements to disclose personal information to government authorities in those countries.

Retention of Personal Information

We are committed to safeguarding your personal information and will retain it for as long as necessary to fulfill the purposes for which it was collected and used. The retention period may extend throughout the duration of your active account or as required to provide you with our services. Even after the conclusion of our business relationship, we may retain personal information for purposes such as maintaining communication, facilitating future applications you may submit, understanding customer preferences and behaviors, analyzing and improving our processes, and developing new products and services. Information will also be retained to comply with legal obligations, resolve disputes, and enforce agreements. Please note that the closure of your account or the non-approval of an application does not automatically result in the deletion of your information. If you have inquiries about the duration of your personal information retention, please contact us.

Information Collected through this Site

Our servers automatically recognize and record certain information when you access our site, including the domain name, corresponding Internet Protocol (“IP”) address, and page names visited. We may collect data such as browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data, which is used to enhance the content of our site and improve its usability. This information is not personally identifiable.

We do not collect email addresses without your explicit consent. Personal information, including emails, is only collected when responding to specific questions or direct communication via email or feedback forms. Your email address may be requested during various interactions, such as applications or correspondence.

Use of Tracking Technologies

Various technologies like cookies, beacons, scripts, and tags are utilized for analyzing trends, administering the site, tracking user movements, and gathering demographic information. Cookies, stored on your computer’s hard drive, may be used to facilitate internet sessions, maintain security, and enhance the site’s functionality. While we may receive reports based on individual and aggregated use of these technologies by third-party partners, you can manage them through your browser settings.

We may partner with third parties for advertising purposes, using technologies like cookies to gather information about your online activities. If you wish to opt-out of interest-based ads, you can contact us at the provided contact information.

Links to Other Websites or Social Media Features

Our site may contain links to external websites, and this Privacy Policy does not apply to those sites. You should be aware that third-party sites accessible through ours have independent privacy policies, and we are not responsible for their practices. Social Media Features and Widgets on our site may collect your IP address and are governed by the privacy statements of the hosting company.

Our Security Procedures Protect Your Personal Information

We adhere to widely accepted standards to secure personal information during transmission and after receiving it. Physical and electronic information security policies, employee training, and contractual safeguards with third parties are in place to maintain data security. If you receive suspicious emails requesting sensitive information, please contact us before responding.

While we take significant measures to secure personal information, no transmission over the Internet is completely secure. We, along with our affiliates and service providers, do not guarantee protection against misuse, loss, or alterations of personal information and do not accept liability for such incidents.

Access and Correction Requests

Upon request, we will inform you about the existence of your personal information in our possession. If you want to access, update, or correct your personal information, please contact us. We may need to verify your identity before fulfilling such requests.

Customers can also access and update personal information by logging into their accounts. We will respond to your request within a reasonable timeframe.

Updating Your Consent Preferences

You have the right to withdraw your consent to the collection, use, and disclosure of your personal information.

To do so or for further information, please contact us or visit our Update Communication Preferences page. Withdrawal of consent may impact our ability to provide certain products or services.

Updates and Amendments to this Privacy Policy

This Privacy Policy is effective as of November 15, 2023. It replaces any prior notices and applies to previously collected personal information. We reserve the right to amend this policy, and updates will be posted on our site. It is your responsibility to review this Privacy Policy periodically for changes.

Contact Us

For questions about our Privacy Policy or practices, to request access to or correct your information, or for any concerns, please contact us toll-free at +1 (800) 822-3998, reach out to your assigned Account Executive, or submit your inquiry in writing to: Kingsmen Capital Investments Inc., Suite 100 – 1075 North Service Road W., Oakville, ON, L6M 2G2.