Privacy Policy

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Last Updated: January 1, 2020

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At PTBank (“PTBank,” “we,” “our,” or “us”), your privacy is our top priority. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you visit www.ptbank.ca or use our financial services, including lending, factoring, and reporting solutions (collectively, the “Services”).

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

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1. Information We Collect

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We may collect the following types of information:

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a. Personal Information

When you apply for financial products, contact us, or create an account, we may collect:

• Full name

• Email address and phone number

• Business name and registration details

• Mailing and billing address

• Financial and banking information

• Government-issued identification (for verification purposes)

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b. Non-Personal Information

We may collect non-identifiable data such as:

• Browser type and version

• Device type and operating system

• IP address and general location

• Website usage statistics and referral sources

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c. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to improve user experience, analyze traffic, and personalize content. You can manage or disable cookies through your browser settings.

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2. How We Use Your Information

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We use your information to:

• Verify your identity and process applications

• Provide financial products and services

• Communicate about your account, transactions, and support inquiries

• Improve our website, products, and customer experience

• Comply with legal and regulatory obligations

• Prevent fraud, money laundering, and unauthorized access

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3. How We Share Your Information

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We may share information with:

• Service providers and partners who assist with processing transactions, verification, or analytics

• Credit bureaus and financial institutions for credit assessment or funding activities

• Regulatory bodies or law enforcement when required by law or court order

• Professional advisors (e.g., auditors, lawyers) when necessary to protect our rights

We do not sell or rent your personal information to third parties.

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4. Data Security

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We use industry-standard safeguards, including encryption, firewalls, and secure data centers, to protect your personal information from unauthorized access, alteration, disclosure, or destruction.

While we take all reasonable precautions, no electronic storage or transmission is completely secure, and we cannot guarantee absolute security.

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5. Data Retention

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We retain personal information only as long as necessary to fulfill the purposes outlined in this policy or as required by applicable laws and regulations.

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6. Your Rights and Choices

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You have the right to:

• Access and review your personal information

• Request corrections or updates

• Withdraw consent where applicable

• Request deletion of your information (subject to legal limitations)

To exercise your rights, contact us at privacy@ptbank.ca.

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7. Third-Party Links

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Our website may contain links to third-party websites. PTBank is not responsible for the privacy practices or content of those sites. We encourage you to review their privacy policies before providing any information.

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8. Children’s Privacy

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Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal data from minors.

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9. Updates to This Policy

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We may update this Privacy Policy periodically. Any changes will be posted on this page with the updated date. Continued use of our website or services after such updates constitutes acceptance of the revised policy.

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10. Contact Us

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If you have questions, concerns, or complaints about this Privacy Policy or our data practices, please contact us:

PTBank
Email: privacy@ptbank.ca
Website: www.ptbank.ca