Privacy Policy
This Privacy Policy explains how Quantum Capital handles personal information in connection with the Site and its business as a broker and advisor of debt instruments. It is designed to reflect the principles of Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws.
1. Our commitment to your privacy
Quantum Capital respects your privacy and is committed to protecting the personal information we hold. This Privacy Policy describes the personal information we collect, why we collect it, how we use, disclose, and safeguard it, and the choices and rights available to you. Because we help arrange debt financing, this often includes sensitive credit and financial information. This Policy applies to personal information we collect through the Site, through our services, and in the course of our business.
2. What is personal information
"Personal information" means information about an identifiable individual, such as your name, contact details, date of birth, government identifiers, financial and credit information, and employment information. It does not include the business contact information of an individual that we collect and use solely to communicate with that person in relation to their employment or profession, or information that has been anonymized or aggregated so that it can no longer identify you.
3. Accountability and our Privacy Officer
Quantum Capital is responsible for the personal information under its control. We have designated a Privacy Officer who is accountable for our compliance with this Privacy Policy and applicable privacy laws. You can reach our Privacy Officer using the contact details in Section 15.
4. The personal information we collect
Depending on how you interact with us, we may collect:
• Identification and contact information — such as your name, mailing and email addresses, and telephone number;
• Credit and financial information — where you request or apply for financing, information needed to assess and arrange it and to meet legal obligations, such as date of birth, government-issued identification, social insurance number (where permitted and required, for example for identity verification or tax reporting), income, employment, assets and liabilities, existing debts and obligations, banking details, and credit history and credit scores;
• Application and transaction information — such as the financing you are seeking, the applications we submit on your behalf, and the terms offered or entered into;
• Website and technical information — such as your IP address, browser type, device information, pages visited, and other analytics data collected automatically when you use the Site (see Section 8); and
• Communications — records of your correspondence and other interactions with us.
5. How we collect personal information
We collect personal information directly from you — for example, when you contact us, complete a form, or apply for financing. With your consent or as permitted or required by law, we may also collect information from third parties such as credit reporting agencies (credit bureaus such as Equifax and TransUnion), lenders and financial institutions, employers and references you provide, and government or regulatory bodies, and automatically through the technologies described in Section 8.
6. Why we collect, use, and disclose personal information
We collect, use, and disclose personal information for purposes that a reasonable person would consider appropriate in the circumstances, including to:
• respond to your inquiries and provide information about our services and available financing;
• establish and verify your identity and assess your eligibility and creditworthiness;
• obtain and review credit reports and scores from credit reporting agencies;
• prepare, submit, and manage credit applications with one or more lenders on your behalf and help arrange, negotiate, and close debt financing;
• provide advisory services and administer our relationship with you;
• meet legal, regulatory, tax, audit, and record-keeping requirements, including identity-verification, “know-your-client”, and anti-money-laundering obligations that apply to us;
• operate, maintain, secure, and improve the Site and our services;
• send you administrative and, where you have consented, marketing communications; and
• detect, prevent, and address fraud, security issues, and other unlawful activity.
7. Consent
We collect, use, and disclose personal information with your consent, except where the law permits or requires us to do so without consent. Your consent may be express or, depending on the sensitivity of the information and the circumstances, implied through your provision of information or your use of the Site and our services. In particular, when you ask us to arrange or advise on financing, you expressly authorize us to obtain credit reports and scores about you from credit reporting agencies and to collect, use, and disclose your personal information as described in this Policy for those purposes. You may withdraw your consent at any time, subject to legal or contractual restrictions and reasonable notice, by contacting our Privacy Officer. Withdrawing consent may limit or prevent us from providing certain services to you, and we will explain the likely consequences before giving effect to your request.
8. Cookies and online tracking technologies
The Site may use cookies and similar technologies to operate the Site, remember your preferences, understand how the Site is used, and improve its performance. Some of these technologies may be provided by third-party analytics or advertising providers. You can usually adjust your browser settings to refuse or delete cookies, but some features of the Site may not function properly if you do. Where required by law, we will seek your consent before using non-essential cookies.
9. Disclosure of personal information
We do not sell your personal information. In order to provide our services, we necessarily share personal information with lenders and other parties involved in arranging your financing. We may disclose personal information:
• to lenders and financial institutions, in order to obtain quotes, submit applications, and arrange financing on your behalf, where they will handle your information under their own privacy policies;
• to credit reporting agencies, in order to obtain credit reports and scores and, where applicable, to report information about your account;
• to our employees, affiliates, and service providers who need it to perform services on our behalf (such as technology, hosting, identity-verification, document-processing, analytics, and professional-services providers), under obligations of confidentiality;
• to government, tax, law-enforcement, or regulatory authorities where permitted or required by law, or to comply with a subpoena, court order, or other legal process, or to protect our rights, property, or the safety of others;
• in connection with a proposed or completed sale, merger, financing, or reorganization of our business, subject to appropriate confidentiality protections; and
• otherwise with your consent or as permitted or required by applicable law.
10. Service providers and transfers outside your province or Canada
Some of our lenders and service providers may store or process personal information outside your province of residence or outside Canada. When personal information is handled by a party in another jurisdiction, it is subject to the laws of that jurisdiction and may be accessible to the courts, law-enforcement, and regulatory authorities there. We use contractual and other reasonable measures to require our service providers to protect personal information in a manner consistent with this Privacy Policy and applicable law. You may contact our Privacy Officer for more information about our policies and practices regarding service providers outside Canada.
11. Safeguards
We maintain physical, organizational, and technological safeguards appropriate to the sensitivity of the personal information to protect it against loss or theft and unauthorized access, disclosure, copying, use, or modification. These measures may include restricted access, secure storage, encryption in transit where appropriate, confidentiality obligations, and staff training. No method of transmission over the Internet or method of electronic storage is completely secure, however, and we cannot guarantee absolute security.
12. Retention
We retain personal information only for as long as necessary to fulfil the purposes for which it was collected and to meet legal, regulatory, tax, and business requirements, which for credit and financial records may be a period of several years after our relationship or your financing ends. When personal information is no longer required, we take reasonable steps to securely destroy, erase, or anonymize it.
13. Accuracy, access, and correction
We take reasonable steps to keep personal information accurate, complete, and up to date for the purposes for which it is used. Subject to certain exceptions permitted by law, you have the right to access the personal information we hold about you, to be informed of how it has been used and to whom it has been disclosed, and to request corrections. To make a request, contact our Privacy Officer using the details in Section 15. We may ask you to verify your identity and may charge a reasonable fee, of which we will advise you in advance. We will respond within the timeframes required by applicable law. Questions about the contents of a credit report should also be directed to the relevant credit reporting agency.
14. Withdrawing consent and complaints
You may withdraw your consent or ask questions about our handling of your personal information at any time by contacting our Privacy Officer. If you are not satisfied with our response, you have the right to make a complaint to the privacy or consumer-protection regulator in your province.
15. How to contact our Privacy Officer
Privacy Officer, Quantum Capital, 10060 Jasper Avenue, Tower 1, Suite 2020, Edmonton, Alberta T5J 3R8, Canada. Email: info@quantcap.ca.
16. Changes to this Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will post the updated version on the Site and revise the “Last updated” date. Material changes will take effect when the updated policy is posted. Your continued use of the Site or our services after that time constitutes acceptance of the updated Privacy Policy.