Privacy Policy

Introduction

Alliance Financing Group Ltd. ("Alliance," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy outlines how we collect, use, disclose, and safeguard your personal information when you visit our website, apply for financing, or interact with our services.

Alliance Financing Group is a commercial finance brokerage operating in Ontario, Canada. We are committed to complying with the Personal Information Protection and Electronic Documents Act (PIPEDA) and all applicable Canadian privacy legislation. As a designated reporting entity, we also comply with the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) and FINTRAC regulations.

Information We Collect

We collect personal information in various ways to provide you with our services and improve your experience. The types of information we collect include:

Personal Information

• Contact Information: Name, email address, phone number, and mailing address
• Business Information: Company name, business structure, industry, years in operation, and number of employees
• Financial Information: Revenue, cash flow, credit history, bank statements, tax returns, and financial projections
• Identification Information: Government-issued identification (for FINTRAC compliance), Social Insurance Number (when required), and date of birth

Usage Data

• Pages visited and time spent on our website
• Links clicked and actions taken
• Device information (IP address, browser type, operating system)
• Referral sources and traffic patterns

Cookies

• Session cookies for website functionality
• Analytics cookies to understand user behavior and improve our services
• Preference cookies to remember your settings

How We Collect Information

• Directly from You: Application forms, contact forms, email communications, and phone conversations
• Automatically: Through cookies, web logs, and analytics tools
• From Third Parties: Credit bureaus, financial institutions, and verification services (with your consent)

How We Use Your Information

Alliance Financing Group uses the personal information you provide for the following purposes:

• Process Financing Applications: To evaluate your financing needs and determine eligibility
• Match with Lender Partners: To connect you with appropriate lenders and financing products
• Communication: To send you application updates, loan offers, and relevant information about our services
• Compliance and Risk Management: To comply with PIPEDA, FINTRAC, and PCMLTFA requirements, including anti-money laundering screening
• Service Improvement: To analyze usage patterns and enhance our website and services
• Marketing and Promotions: To send you information about new financing products and services (only with your consent)
• Dispute Resolution: To investigate and resolve complaints or disputes
• Legal Obligations: To comply with court orders, government requests, and applicable laws

Information Sharing and Disclosure

Alliance Financing Group does not sell your personal information. However, we may share your information in the following circumstances:

Lender Partners

Your financial and personal information is shared with lender partners who have the capacity and desire to finance your business. This sharing is essential to our service delivery and occurs only after you apply for financing through our platform.

Service Providers

We may share information with third-party service providers who perform functions on our behalf, including:

• Technology and hosting providers
• Analytics and reporting services
• Customer support platforms
• Identity verification services

Legal Requirements

We may disclose your information if required to do so by law, court order, or government request, including:

• Compliance with FINTRAC investigations
• Law enforcement requests
• Court-ordered disclosures
• Regulatory investigations

Business Transfers

If Alliance Financing Group is involved in a merger, acquisition, or sale of assets, your personal information may be transferred as part of that transaction. We will provide notice of any such change and any choices you may have regarding your information.

Data Retention

We retain your personal information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Generally, we retain application data for a minimum of 7 years to comply with FINTRAC and anti-money laundering regulations.

PIPEDA Compliance

Alliance Financing Group is committed to complying with the Personal Information Protection and Electronic Documents Act (PIPEDA), Canada's federal privacy law. Under PIPEDA, we are required to:

• Be Accountable: We designate a privacy officer responsible for our privacy practices and compliance
• Identify Purposes: We clearly communicate why we collect your information
• Obtain Consent: We obtain your informed consent before collecting, using, or disclosing personal information
• Limit Collection: We collect only information necessary for identified purposes
• Limit Use, Disclosure, and Retention: We use information only for identified purposes and retain it only as long as necessary
• Ensure Accuracy: We maintain accurate, complete, and up-to-date information
• Provide Access: You have the right to request access to your personal information
• Provide Recourse: We have procedures in place to address privacy complaints and concerns

FINTRAC and Anti-Money Laundering Compliance

Alliance Financing Group is a designated reporting entity under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA). This means we are required to comply with anti-money laundering and counter-terrorism financing regulations administered by the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC).

Our Obligations

• Client Identification: We verify and record the identity of all applicants for financing
• Beneficial Ownership: For businesses, we identify and verify beneficial owners
• Suspicious Activity Reporting: We report suspicious transactions or activities to FINTRAC
• Record Keeping: We maintain detailed records of transactions and client information
• Ongoing Due Diligence: We conduct periodic reviews of client information to detect unusual patterns
• Sanctions Screening: We screen clients against government sanctions lists

What This Means for You

To comply with FINTRAC regulations, we may request additional information about your business, beneficial owners, source of funds, and the intended use of financing. We may also conduct enhanced due diligence in certain circumstances. This process is mandatory and helps protect the Canadian financial system from money laundering and terrorism financing.

Data Security

Alliance Financing Group takes data security seriously and implements comprehensive measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction.

Security Measures

• Encryption: We use industry-standard SSL/TLS encryption to protect data in transit
• Secure Storage: Financial and sensitive data is stored in encrypted databases with restricted access
• Access Controls: Only authorized employees with legitimate business need can access your information
• Employee Training: Our staff receive regular privacy and security training
• Network Security: We maintain firewalls, intrusion detection systems, and regular security audits
• Multi-Factor Authentication: We use multi-factor authentication for portal access
• Data Breach Response: We have protocols in place to detect, investigate, and respond to potential data breaches

Your Responsibility

While we implement robust security measures, you are responsible for maintaining the confidentiality of any passwords or login credentials. Do not share your credentials with anyone, and log out of your account when finished.

Your Privacy Rights

Under PIPEDA and Canadian privacy laws, you have the following rights regarding your personal information:

Right to Access

You have the right to request access to your personal information held by Alliance Financing Group. We will provide this information within 30 days of your request, subject to certain exceptions.

Right to Correction

If your personal information is inaccurate or incomplete, you have the right to request corrections. We will update your information and notify any third parties to whom the information was disclosed.

Right to Deletion

You have the right to request deletion of your personal information, subject to legal and regulatory obligations. We may retain information as required for FINTRAC compliance, dispute resolution, or other legal requirements.

Right to Opt-Out

You have the right to opt out of marketing communications and non-essential uses of your information. You can unsubscribe from marketing emails by clicking the unsubscribe link or contacting us directly.

Right to Lodge a Complaint

If you have concerns about our privacy practices, you may lodge a complaint with the Privacy Commissioner of Canada in addition to contacting us directly.

Cookies and Tracking Technologies

Alliance Financing Group uses cookies and similar technologies to enhance your website experience, collect usage data, and improve our services.

Types of Cookies We Use

• Session Cookies: These cookies are temporary and deleted when you close your browser. They enable essential website functionality such as form submission and session management.
• Analytics Cookies: We use Google Analytics and similar tools to collect data about your browsing behavior, pages visited, and time on site. This helps us understand user preferences and improve our website.
• Preference Cookies: These cookies remember your settings and preferences for a better user experience on future visits.

Cookie Management

You can control cookies through your browser settings. Most browsers allow you to refuse cookies or alert you when a cookie is being sent. However, disabling cookies may affect website functionality. For more information about cookies and your options, visit allaboutcookies.org.

Third-Party Cookies

Some cookies on our website may be placed by third-party providers such as analytics services. These providers may have their own privacy policies. We are not responsible for the practices of third-party providers.

Third-Party Links and Services

Our website may contain links to third-party websites, including lender partners, financial service providers, and other external sites. Alliance Financing Group is not responsible for the privacy practices or content of these external sites.

When you click on a third-party link, you leave our website and are subject to that site's privacy policy. We encourage you to review the privacy policies of any external sites before providing your personal information.

Additionally, some functionality on our website may be powered by third-party services. These services may have access to limited information necessary to provide their services. We carefully select service providers and ensure they have appropriate privacy and security measures in place.

Changes to This Privacy Policy

Alliance Financing Group may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of material changes by:

• Posting the updated policy on our website with a new "Last Updated" date
• Sending you an email notification if the changes materially affect your privacy rights
• Requiring your consent for significant changes before they take effect

Your continued use of our website after changes are posted constitutes your acceptance of the updated Privacy Policy. We encourage you to review this policy periodically to stay informed of how we protect your information.

Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us: