Privacy Policy

Last Updated: November 25, 2024

Overview

This Privacy Policy applies to www.mhbfinancial.ca (the “Site”) owned and operated by MHB Financial (“MHB,” “we,” or “us”). It outlines how we collect, use, protect, share, and retain your personal information. MHB is committed to safeguarding your privacy and ensuring that your personal information is handled in a secure and responsible manner.

Scope and Definitions

This Privacy Policy applies to MHB Financial, its subsidiaries, affiliates, and service providers.

  • “We,” “us,” and “our” refer to MHB Financial and its affiliates.
  • “You” refers to a website visitor, applicant, customer, or an individual associated
  • with an applicant (e.g., owner, reference, or guarantor).
  • "Personal Information" refers to any information that identifies or could identify an individual, including but not limited to contact details, identification numbers, and online identifiers.

Information We Collect

We may collect the following types of information from you:

  • Contact Information: Name, email address, phone number, and mailing address.
  • Identification Information: Date of birth and government-issued identification numbers (e.g., Social Insurance Number).
  • Billing Information: Bank account details, payment history, financial records, and other related data required for processing payments and verifying financial status.
  • Business Information: Business name, entity type, tax identification number, financial statements, revenue details, and business history.
  • Device and Usage Information: Information about the devices you use to access our website, such as IP addresses, browser type, operating system, device identifiers, and browsing behavior (e.g., pages visited, time spent on the site).
  • Communication Information: Any additional personal or business information you provide to us through forms, communications, or interactions with our services

If you provide information about other individuals (such as references or guarantors), you confirm that you have obtained their consent for the collection, use, and disclosure of their information in line with this Privacy Policy.

Collection Sources

We may collect personal information from:

  • You directly: Through applications, agreements, forms, and correspondence.
  • Third parties: Including business directories, service providers, and online sources.

Use of Information

We use your information for the following purposes:

  • Process applications and verify your identity.
  • Manage your account and provide updates.
  • Improve our services and personalize your experience.
  • Communicate with you for customer support and notifications.
  • Ensure security by preventing fraud and unauthorized access.
  • Comply with legal requirements and respond to legal requests.
  • Conduct research using anonymized data to enhance our services.

Privacy and Sharing of Information

We do not sell your personal information. We may share your personal information with trusted partners and service providers only for the following reasons:

  • With service providers and affiliates: For processing requests, customer service, or secure data storage.
  • For legal or regulatory compliance: If required by law, such as to comply with legal obligations or respond to lawful requests.
  • For marketing purposes: With your consent, where applicable

To opt out of marketing-related data sharing, contact us via email at info@mhbfinancial.ca or by mail at the address provided below.

User Access and Choice

You may request to update, amend, or delete your Personal Information by emailing info@mhbfinancial.ca. Requests are addressed within 30 days. Deletion requests are reviewed individually and honored where appropriate or required by law.

Email and SMS Communications

  • Email: We may use your email to send account updates, promotional offers, or service communications. You can unsubscribe from promotional emails by following the unsubscribe link in the email.
  • SMS: By providing your phone number, you consent to receiving SMS messages from MHB Financial. You can opt out of SMS communications at any time by following the instructions in the message or contacting us directly.

Data Protection and Retention

We implement security measures to protect your personal information from unauthorized access, disclosure, or misuse. We retain your information only as long as necessary for the purposes outlined in this Privacy Policy or as required by law.

Tracking Technologies

We use cookies and similar technologies to enhance your experience, analyze traffic, and deliver relevant advertisements. You can manage your cookie preferences through your browser settings.

Behavioral Advertising

We may partner with third parties to serve interest-based ads. You can opt out of interest-based advertising by visiting network opt-out pages.

International Users

If you are accessing the Site from outside of Canada, your personal information may be processed in Canada or other jurisdictions in compliance with applicable privacy laws.

Children's Privacy

Our services are not intended for individuals under 18 years of age. If we discover that we have collected personal information from a minor without verified parental consent, we will delete it as soon as possible.

Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in our practices or for legal and regulatory reasons. The most recent version will always be available on our website, and the "Last Updated" date at the top will indicate the latest changes.

Contact Information

If you have any questions about our Privacy Policy or practices, or to request access to or correction of your information, please contact us: Phone: 416-381-4059

Email: info@mhbfinancial.ca
Mail:
MHB Financial
1-40 Bradwick Drive,
Concord, Ontario, Canada L4K1K9