Privacy Policy

Collection, Use and Disclosure of Information. In this form the term “personal information” means information about an identifiable individual, as more particularly described by applicable Canadian federal and provincial privacy legislation. You consent to our collection, use and disclosure of your business and personal information as described below and for the following purposes:
This consent will be valid for so long as required to fulfill the purposes described above. You represent and warrant that you have the necessary consent of any other principals, guarantors or other individuals whose personal information is provided to us in connection with this application for the purposes described above. Authorized employees and agents of 8064334 CANADA CORP. T/A Capify that require access to your personal information will have access to your file, which will be accessible at 1-866-408-8552. If you wish to access or make corrections to your personal information in the possession of 8064334 CANADA CORP. T/A Capify, you may call the telephone number above. For further information about 8064334 CANADA CORP. T/A Capify’s privacy practices, you may call the numbers indicated above.
(i) We may, from time to time, use your credit, financial and related personal information provided in this application or otherwise collected or compiled by us in connection with this application, any Merchant Agreement entered into with us by the business named above (the “Business”), any guarantee you provide in connection with any such agreement and any resulting business or other credit agreements, arrangements or guarantees between us and you or the Business, and any update, renewal or extension of same (collectively, the “Services”), for the purposes of:
(1) verifying and evaluating your current and ongoing creditworthiness and the creditworthiness of the Business, your eligibility and the eligibility of the Business for the Services and other information provided to us in connection with the Services;
(2) establishing, administering, servicing, collecting and enforcing the Services
(3) registering and enforcing security on or with respect to the Services;
(4) generally providing the products and services you and the Business have requested. Birth dates, Social Insurance Numbers or other personal identification, if provided, may be used by us for the purpose of verifying your identity, including matching records or credit information.
(ii) For the above purposes and for providing credit information to your potential creditors and potential creditors of the Business and to establish your credit history and the credit history of the Business, we may, from time to time, disclose credit, financial and related personal information to, and collect such information from:
(i) our respective affiliates, agents and representatives
(ii) credit bureaus and reporting agencies
(iii) other lenders, businesses and financial institutions with whom you or the Business have had or may have a financial relationship, including references you have provided in support of the Services and any credit card processor you or the Business may deal with; and may exchange such information between us and such other parties for such purposes. You consent to the disclosure of such information by these third parties to us.
(iii) Relevant business and personal information may be disclosed to card associations as necessary to process, authorize and authenticate transactions and in order to comply with regulations of these card associations. We may use business and personal information and disclose such information (including your date of birth and relevant account information) to third parties: as necessary to register security interests, including as contemplated in any Merchant Agreement; for the purposes of enforcing such security or otherwise in connection with collection of amounts owing to us; for the purposes of detecting and preventing fraud; and complying with money laundering, terrorist financing or similar laws in Canada and foreign countries (including the United States), including checking your identity against watch lists established by regulatory agencies or similar bodies in Canada and in foreign countries.
(iv) We may use your business and personal information and disclose such information to parties connected with or involved in the proposed or actual financing, insuring, securitization, sale, assignment or other disposal of all or part of our respective businesses or assets (including, for example, your (or the Businesses) agreements, accounts or amounts owing to us), for the purposes relating to the evaluation and/or performance of these transactions. Successors and assignees of our business or assets may collect, use and disclose your (or the Businesses) business and personal information as described in this consent.
(v) We may use agents and service providers, including our affiliates, to collect, use, disclose, store or process information on our behalf. Some of these service providers or affiliates may be located outside of Canada, and your business and personal information (and business information of the Business) may be transferred or processed outside of Canada for the purposes described in this consent. Your business and personal information (and business information of the Business) may be subject to legal requirements in foreign jurisdictions applicable to us and our service providers and affiliates, for example lawful requirements to disclose personal or other information to government authorities in those countries.
(vi) We may generally collect, use and disclose personal information for the purposes of meeting legal, regulatory, audit, processing and security requirements. We may otherwise collect, use and disclose personal information as described in the Merchant Agreement / Working Capital Application and as further described in the privacy policy on our website at www.truenorthcapital.ca or by calling 1-877-408-8552. We may otherwise collect, use and disclose personal information as permitted or required by law (including as required by applicable foreign laws).

Use of Secure Firewalls and Cookies:

Capify uses secure firewalls to prevent unauthorized access to our internal systems. We have Internet firewalls designed to securely separate the Internet from our internal computer systems and databases. Data coming from customer computers via the Internet flows through a series of safety check points on its way to our internal systems so that only authorized messages and transactions enter our computer systems.

We use cookies as an additional security feature for customers. A “cookie” is a small text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you. There are two common types of cookies that we use, “session cookies” and “persistent cookies”.

Session cookies store information only for the length of time that you are connected to a website – they are not written onto your hard drive. Once you leave the website, the originator of the cookie no longer has the information that was contained on it. For example, when you login to Capify and are authenticated through your login id and password, a cookie will store the identification number of your browser. Throughout your session, the session cookie acts as a type of digital signature to identify your current session to the Web Server.

The information stored in “persistent cookies” is written onto your hard drive and remains there until the expiry date of the cookie. Capify uses persistent cookies to store non-sensitive information that you are aware of and have agreed to. For example, if you choose the option on our login screen to remember your ID, the system will remember and automatically input your logon id each time you use the service top improve the ease of use of this site.

This Website may offer links to sites of partner companies or third party sites. While we make every effort to monitor the quality of content provided on the Website, these external sites are not subject to this Privacy Policy and we have no control over the content of these sites. Please carefully review the policies on these sites before providing them any personal information.

Changes to this Privacy Statement:

Capify has the discretion to occasionally update this privacy statement. When we do, we will also revise the “updated” date at the top of this privacy statement. We encourage you to periodically review this privacy statement to stay informed about how we are helping to protect the personal information we collect. Your continued use of the service constitutes your agreement to this privacy statement and any updates.