This Website is operated by The Financing Hub Inc. and its affiliates. All trademarks, service marks and trade names displayed on this site are proprietary to The Financing Hub or its affiliates except as otherwise specifically noted. The services and products described on this Website and any functionality that may be available through it are intended to be made available only to persons in Canada and the United States, and the information on this Website and any functionality that may be available through it is only for such persons. Nothing on this Website and any functionality that may be available through it shall be considered a solicitation to buy or an offer to sell a product or service to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction.
OBJECT & SCOPE OF POLICY
The Financing Hub Inc. (“The Financing Hub”) and its affiliates are committed to respecting your privacy and have prepared this memorandum to inform you of our policy and practices concerning the collection, use and disclosure of Personal Information.
This policy governs Personal Information collected from and about:
individuals who are or may become Clients of The Financing Hub,
individuals or organizations who utilize The Financing Hub’s Website functions, and
individuals or organizations with whom The Financing Hub works.
Using contractual or other arrangements, The Financing Hub shall ensure that agents, contractors or third party service providers, who may access Personal Information in the course of providing services to The Financing Hub, shall protect that Personal Information in a manner consistent with the principles articulated in this policy.
This policy does not cover aggregated data from which the identity of an individual cannot be determined. The Financing Hub retains the right to use aggregated data in any way that it determines appropriate.
In the event of questions about: (i) access to your Personal Information; (ii) The Financing Hub’s collection, use, management or disclosure of Personal Information; or (iii) this Policy; please contact:
The Financing Hub Inc.
406 North Service Road East
THE COLLECTION, USE & DISCLOSURE OF PERSONAL INFORMATION
For the purposes of this Policy:
“Client” means an individual or organization who entered into a written contractual agreement with The Financing Hub under which The Financing Hub will provide products or services at that price agreed upon in the contractual agreement;
“Personal Information” means any information, recorded in any form, about an identified individual, or an individual whose identity may be specifically inferred or determined from such information
“Users” means individuals or organizations who utilize The Financing Hub’s Website functions.
The Financing Hub, its affiliates, employees, funding partners and third party servicers may use personal information for the purposes of aggregating, assessing and analyzing data that may be disseminated in the course of The Financing Hub’s work on the basis the Personal Information is not disclosed within the aggregation.
The Financing Hub’s use of Personal Information is limited to these purposes. The Financing Hub does not sell, trade, barter or exchange for consideration any Personal Information it has obtained. Unless permitted by law, no personal information is collected about an individual without first obtaining the consent of the individual to the collection, use and dissemination of that information. FOR CERTAINTY PROVIDING INFORMATION INTO THIS WEBSITE CONSTITUES YOUR CONSENT TO SUCH COLLECTION.
The Financing Hub does not knowingly collect Personal Information from anyone under the age of 18 and does not use such information if The Financing Hub discovers that it is has been provided by a minor.
Personal Information may also be transferred to another company in the event of a change of ownership of all or part of The Financing Hub or the sale of select assets.
The Financing Hub may disclose Personal Information of Clients to organizations that perform services on its behalf. This will only be done if such organizations agree to use such information solely for the purposes of providing services to The Financing Hub and, with respect to that information, to act in a manner consistent with this policy.
The Financing Hub may disclose Personal Information where it is required to so by law or regulatory requirements.
Please note that there are circumstances where the use and/or disclosure of Personal Information may be justified or permitted or where The Financing Hub is obliged to disclose information without consent. Such circumstances may include:
Where required by law or by order or requirement of a court, administrative agency or other governmental tribunal;
Where The Financing Hub believes, based upon reasonable grounds, that it is necessary to protect the rights, privacy, safety or property of an identifiable person or group;
Where it is necessary to establish or collect monies owing to The Financing Hub;
Where it is necessary to permit The Financing Hub to pursue available remedies or limit any damages that The Financing Hub may sustain; or
Where the information is public.
The Financing Hub does not endeavor to ensure that any Personal Information provided by Clients or Users or that is in its possession is as accurate, current and complete as necessary for the purposes for which The Financing Hub uses that data. The Financing Hub is not obligated in any way to verify the completeness or accuracy of any Personal Information beyond what it determines to be adequate at its sole discretion. Information contained in files that have been closed or are not in use is not actively updated or maintained.
The Financing Hub retains Personal Information as long as The Financing Hub believes it is necessary to fulfill the purpose for which it was collected and for legal or business requirements. The Financing Hub’s policy is to destroy all Personal Information not required by The Financing Hub at the earliest opportunity convenient to our business processes.
The Financing Hub endeavors to maintain adequate physical, procedural and technical security with respect to its offices and information storage facilities so as to prevent any loss, misuse, unauthorized access, disclosure, or modification of Personal Information.
The Financing Hub further protects Personal Information by restricting access to it to those Employees and Contractors that the management of The Financing Hub has determined need to know that information in order that The Financing Hub may provide its services.
ACCESS TO PERSONAL INFORMATION
The Financing Hub permits access to and review of Personal Information held by The Financing Hub about an individual by the individual concerned.
If an individual believes any Personal Information concerning that individual is not correct, that person may request an amendment of that information by sending a request to the person indicated in this Policy. The Financing Hub reserves the right not to change any Personal Information but will append any alternative text the individual concerned believes appropriate. Where not required to be retained by The Financing Hub, an individual may also request that The Financing Hub delete an individual’s Personal Information from The Financing Hub’s system and records. However, due to constraints of computer technology and the fact that The Financing Hub backs up its systems, Personal Information may continue to reside in The Financing Hub’s systems after deletion. Individuals, therefore, should not expect that their Personal Information would be completely removed from The Financing Hub’s systems in response to an accepted request for deletion.
The Financing Hub reserves the right to decline access to Personal Information where the information requested:
Would disclose the Personal Information of another individual, organization or a deceased individual;
Would disclose confidential business information that may harm The Financing Hub or the competitive position of a third party;
Is subject to solicitor-client litigation privilege;
Could reasonably result in: (i) serious harm to the treatment or recovery of the individual or organization concerned; (ii) serious emotional harm to the individual or another individual; or (iii) serious bodily harm to another individual;
May harm, or interfere with, law enforcement activities and other investigative or regulatory functions of a body authorized by statute to perform such functions;
Is not readily retrievable and the burden or cost of providing such information would be disproportionate to the nature or value of the information; or
Does not exist, is not held, or cannot be found by The Financing Hub.
Where information will not or cannot be disclosed, the individual making the request will be provided with the reasons for non-disclosure.
Where information will be disclosed, The Financing Hub will endeavor to provide the information in question within a reasonable time and no later than 30 days following the request.
The Financing Hub will not respond to repetitious or vexatious requests for access. In determining whether a request is repetitious or vexatious, it will consider such factors as the frequency with which the information is amended, the purpose for which the information is used, and the nature of the information.
To guard against fraudulent requests for access, The Financing Hub will require sufficient information to allow it to confirm the identity of the person making the request before granting access or making corrections.
AMENDMENT OF PRACTICES AND THIS POLICY