2. Information We Collect

We may collect the following categories of personal information:

• Personal Identifiers – Name, date of birth, address, phone number, email, government-issued ID
• Financial Information – Account numbers, transactions, credit data, income details
• Online Identifiers – IP address, browser/device info, cookies, session data
• Location Data – When accessing mobile services
• Usage Patterns – Interaction with our website, apps, and platforms

3. How We Use Your Information

We use collected information to:

• Provide, enhance, and maintain our financial services
• Process transactions and communicate with you securely
• Authenticate identity and detect fraud
• Evaluate financial product eligibility
• Comply with legal obligations
• Send personalized communications and service notifications
• Improve platform performance through data analysis

4. Information Sharing

We may share personal data with:

• Service Providers – To assist with operations like fraud monitoring and secure processing
• Business Partners – For co-branded or joint service offerings
• Legal Authorities – When required by law or regulatory request
• Affiliates – Within the Imperial Capital Group
• With Consent – When you approve specific third-party sharing

We do not sell your personal data for marketing purposes without explicit consent.

5. Data Security

We employ industry-standard protections, including:

• 256-bit encryption and secure transmission protocols
• Multi-factor authentication
• Regular cybersecurity testing
• Trained staff and privacy controls
• Physical and procedural security at all operational sites

Please note that no method of transmission or storage is completely secure.

6. Cookies & Technologies

We use cookies and tracking technologies to enhance your user experience:

• Essential Cookies – For basic site functionality
• Preference Cookies – To remember your settings
• Analytics Cookies – To assess platform usage
• Marketing Cookies – For tailored advertising and campaign performance

You may manage cookie preferences in your browser settings. Disabling cookies may affect functionality.

7. Your Privacy Choices

Depending on your jurisdiction, you may be entitled to:

• Access your personal data
• Correct inaccurate information
• Request deletion, in specific cases
• Restrict or object to processing
• Transfer data to another provider
• Withdraw consent for optional processing
• Opt-out of marketing communications

To exercise your rights, contact us using the information below. We will respond in accordance with applicable laws.

8. Children's Privacy

Our services are intended for users aged 18 and older. We do not knowingly collect personal information from children. If such data is found, we will take prompt action to delete it.

9. International Transfers

While we operate primarily in Canada, your data may be processed in other countries. We ensure cross-border transfers are protected by legal safeguards, including standard contractual clauses and international data protection measures.

10. Changes to This Policy

We may update this policy periodically. Material changes will be posted to this page with the updated "Last Modified" date. Continued use of our services confirms your acceptance of the revised policy.

11. Contact Information

For questions, concerns, or privacy-related requests, please contact our Data Protection Officer: