PRIVACY POLICY

Effective Date: September 04, 2025

At a Glance

At Express Business Funding (EBF), we value your trust. Here’s a quick overview of how we handle your information:

What we collect: Business details, contact info, financial data for funding applications, and limited website/usage data (like cookies and analytics).
How we use it: To process financing, improve services, provide support, personalize experiences, and meet legal requirements.
How we share it: Only with trusted affiliates, service providers, and regulators when required. We never sell your data.
Your choices: You can access, correct, or request deletion of your information. You can also opt out of marketing, cookies, and targeted ads.
Security: We apply strong safeguards to protect your information, though no system is completely secure.
Cross-border use: Some data may be processed outside Canada (e.g., in the U.S.), with safeguards in place.

Privacy Policy

At Express Business Funding (“EBF,” “we,” “our,” or “us”), your privacy is important to us. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you visit our website www.ebf.ca, use our services, interact with us through digital platforms, or otherwise engage with EBF.

By using our website, services, or client portals, you agree to the terms of this Privacy Policy.

1. Information We Collect

We may collect personal information directly from you, automatically as you interact with our website, or from trusted third parties. This includes:

Information You Provide Directly

Contact Details: Name, business name, email address, phone number, mailing address.
Business & Financial Information: Invoices, billing details, banking information, credit history, or other data provided for financing applications.
Communications: Correspondence via email, phone, SMS, fax, chat, or social media.
Surveys & Promotions: Responses to surveys, feedback forms, or participation in contests or promotions.
User Contributions: Information you post or upload to our website or client portal.

Information Collected Automatically

Website & Device Data: IP address, browser type, device type, operating system, pages visited, referral source, search queries, session logs, and error reports.
Cookies & Tracking: Cookies, web beacons, pixel tags, and similar technologies to analyze usage, customize content, and improve site performance.
Security Tools: reCAPTCHA and other anti-spam technologies to prevent malicious activity.

Information from Third Parties

Analytics & Advertising Partners: Engagement with digital ads, social media, or referral sites.
Business Partners: Data shared by intermediaries, brokers, or other service providers.

2. How We Use Your Information

We use your information for purposes including:

To evaluate and process financing applications.
To provide and improve our services, including customer support.
To carry out contractual obligations, including billing and collections.
To notify you of changes to our services, terms, or policies.
To conduct research, surveys, and service development.
To personalize website content and advertising based on interests.
To verify identity and protect against fraud or misuse of services.
To comply with legal and regulatory obligations.

3. How We Share Information

We do not sell or rent personal information. We may share information in limited cases with:

Affiliates & Subsidiaries: For legitimate business purposes.
Service Providers & Contractors: IT support, analytics providers, compliance professionals, payment processors, and marketing platforms.
Third-Party Tools: For statistical analysis, targeted advertising, and service enhancements.
Business Transactions: If EBF undergoes a merger, acquisition, financing, or sale of assets.
Regulators & Legal Authorities: When required to comply with laws, regulations, or court orders.

4. Cookies and Tracking Technologies

We use cookies and related tools to improve website functionality, analyze traffic, and deliver personalized content and advertising.

Cookies: Small data files stored on your browser.
Web Beacons & Pixels: Used in web pages and emails to measure engagement.
Anti-Spam Technologies: reCAPTCHA is used to detect automated misuse.

You can disable cookies in your browser settings; however, some site features may not function properly.

5. Marketing, Communications & Opt-Out

We may contact you by email, phone, or SMS regarding EBF services, promotions, or updates, subject to your consent.

You can unsubscribe at any time by clicking the “unsubscribe” link in our emails or contacting us directly.
You may opt out of targeted advertising through industry opt-out tools such as optout.aboutads.info or optout.networkadvertising.org.
For Google Analytics, you may disable data collection by visiting tools.google.com/dlpage/gaoptout.

Consent to receive marketing is not required to obtain financing from EBF.

6. Your Privacy Rights

You have the right to:

Access & Portability: Request a copy of the personal information we hold about you.
Correction: Request corrections to inaccurate or incomplete information.
Deletion: Request deletion of personal information, subject to legal or contractual obligations.
Opt-Out: Withdraw consent for marketing or certain processing activities.
Authorized Agents: Appoint someone to act on your behalf to submit a request.

Requests can be made by contacting us using the details below.

7. Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect information from minors. If you believe a child has provided personal data, please contact us and we will take appropriate action.

8. Job Applicants & Employment Data

If you apply for a position with EBF, we may collect personal information such as employment history, background information, financial details, or references for recruitment and hiring purposes.

9. Security of Your Information

We use administrative, technical, and physical safeguards to protect personal information against loss, theft, and unauthorized access. While we take commercially reasonable steps to secure your data, no system is 100% secure, and we cannot guarantee absolute protection.

10. Data Retention & Cross-Border Transfers

Personal information is retained only as long as necessary for business or legal purposes.
Your information may be stored or processed in jurisdictions outside of Canada, including the United States, where privacy laws may differ. We take steps to ensure appropriate safeguards are in place.

11. Your Responsibilities (If Using Client Portals)

If you access EBF’s online client portals, you are responsible for safeguarding your login credentials and notifying us immediately of any unauthorized use of your account.

12. Changes to This Policy

We may update this Privacy Policy from time to time. Updates will be posted on our website with a revised effective date. Previous versions are available upon request.