Privacy Policy

Effective date: July 6th, 2023.

Purpose

www.mintual.com (the "Site") is owned and operated by 13861716 Canada Inc. ("Mintual"). Mintual is a small business loan search and comparison platform and related services (collectively “Services”). We are not a lender.

The purpose of this privacy policy (this "Privacy Policy") is to inform users of our Site of the following:

1. The personal data we will collect;
2. Use of collected data;
3. Who has access to the data collected;
4. The rights of Site users; and
5. The Site's cookie policy.

This Privacy Policy applies in addition to the terms and conditions of our Site.

Consent

By using our Site users agree that they consent to:

1. The conditions set out in this Privacy Policy; and
   
2. The collection, use, and retention of the data listed in this Privacy Policy.

Personal Data We Collect

We only collect data that helps us achieve the purpose set out in this Privacy Policy. We will not collect any additional data beyond the data listed below without notifying you first.

Data Collected Automatically

When you visit and use our Site, we may automatically collect and store the following information:

1. Non-identifiable browsing data such as but not limited to device used, time of data, approximate location, traffic source
   
2. Behavioural data such as but not limited to links clicked, forms submitted, pages viewed, scroll depth, time on site, traffic referring source.

Data Collected in a Non-Automatic Way

We may also collect the following data when you perform certain functions on our site:

1. First and last name;
   
2. Email address;
3. Phone number
4. Address;
   
5. Auto fill data; and
6. Any other information you voluntarily provide.

This data may be collected using the following methods:

1. Filling out an application form.
   
2. Subscribing to our newsletter.

How We Use Personal Data

Data collected on our Site will only be used for the purposes specified in this Privacy Policy or indicated on the relevant pages of our Site. We will not use your data beyond what we disclose in this Privacy Policy.

The data we collect automatically is used for the following purposes:

1. Analytics;
   
2. Email Marketing; and
3. Advertising.

The data we collect when the user performs certain functions may be used for the following purposes:

1. Communication; and
   
2. Suggest eligible products and services.

Who We Share Personal Data With

Employees, Independent Contractors, and/or other Authorized Agents
We may disclose user data to any member of our organization who reasonably needs access to user data to achieve the purposes set out in this Privacy Policy.

Third Parties
‍We may share user data with the following third parties:

1. Lending partners; and
   
2. Advertising and/or other marketing vendors.

1. Communication; and
   
2. Suggest eligible products and services.

We may share the following user data with third parties:

1. Automatically collected data such as browsing information and behavioural data as outlined in this Privacy Policy.
   
2. Non-automatically data collected that was voluntarily provided, such as but not limited to, name, email address; phone number, address, and any voluntarily provided infromatino such as company name, reported revenue data, funding requests, and requested loan products and services.
   

We may share user data with third parties for the following purposes:

1. Advertising purposes;
   
2. Analytics and performance tracking; and
   
3. Suggest lending products, provide loan comparisons, and other related services.
   

Third parties will not be able to access user data beyond what is reasonably necessary to achieve the
given purpose.

Other Disclosures

We will not sell or share your data with other third parties, except in the following cases:

1. If the law requires it;
   
2. If it is required for any legal proceeding;
   
3. To prove or protect our legal rights; and
   
4. To buyers or potential buyers of this company in the event that we seek to sell the company.
   

If you follow hyperlinks from our Site to another Site, please note that we are not responsible for and have no control over their privacy policies and practices.

How Long We Store Personal Data

User data will be stored until the purpose the data was collected for has been achieved. You will be notified if your data is kept for longer than this period.

How We Protect Your Personal Data

Mintual uses reasonable safeguards – including administrative, physical and technical security and safeguarding measures – appropriate to the sensitivity of the personal information in Mintual’s possession or under Mintual’s control to help protect the information from unauthorized access, collection, use, disclosure, disposal or similar risks.
‍
While we take all reasonable precautions to ensure that user data is secure and that users are protected, there always remains the risk of harm. The Internet as a whole can be insecure at times and therefore we are unable to guarantee the security of user data beyond what is reasonably practical.

Children

By using our site, you are acknowledging you are over the age of 13 and are legally permitted to use our Site in your jurisdiction. We take no responsibility for misuse or an unintended harm from the usage of our Services.

We do not knowingly collect or use personal data from children under 13 years of age. If we learn that we have collected personal data from a child under 13 years of age, the personal data will be deleted as soon as possible. If a child under 13 years of age has provided us with personal data their parent or guardian may contact our privacy officer.
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How to Access, Modify, Delete, or Challenge the Data Collected
‍
If you would like to know if we have collected your personal data, how we have used your personal data, if we have disclosed your personal data and to who we disclosed your personal data, or if you would like your data to be deleted or modified in any way, please contact us at hello@mintual.com.

How to Opt-Out of Data Collection, Use or Disclosure

In addition to the method(s) described in the How to Access, Modify, Delete, or Challenge the Data Collected section, we provide the following specific opt-out methods for the forms of collection, use, or disclosure of your personal data specified below:

1. ‍You can opt-out of the use of your personal data for marketing emails. You can opt-out by clicking "unsubscribe" on any marketing emails or updating your email preferences.
   
2. You can opt-out of the use of your personal data for comparison and/or suggestion of lending and funding option from our affiliated partners. You can opt-out by clicking "I don't accept" on our application form.
   

Cookie Policy
‍
A cookie is a small file, stored on a user's hard drive by a website. Its purpose is to collect data relating to the user's browsing habits. You can choose to be notified each time a cookie is transmitted. You can also choose to disable cookies entirely in your internet browser, but this may decrease the quality of your user experience.

We use the following types of cookies on our Site:

1. Functional cookies
   Functional cookies are used to remember the selections you make on our Site so that your
   selections are saved for your next visits;
   
2. Analytical cookies
   Analytical cookies allow us to improve the design and functionality of our Site by collecting data on how you access our Site, for example data on the content you access, how long you stay on our Site, etc;
   
3. Targeting cookies
   Targeting cookies collect data on how you use the Site and your preferences. This allows us to personalize the information you see on our Site for you; and
   
4. Third-Party Cookies
   Third-party cookies are created by a website other than ours. We may use third-party cookies to achieve the following purposes such as, but not limited to targeted advertising, email marketing, performance tracking, and analytics.
   

Modifications

This Privacy Policy may be amended from time to time in order to maintain compliance with the law and to reflect any changes to our data collection process. When we amend this Privacy Policy we will update the "Effective Date" at the top of this Privacy Policy. We recommend that our users periodically review our Privacy Policy to ensure that they are notified of any updates. If necessary, we may notify users by email of changes to this Privacy Policy.
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Contact Information

‍General Inquiries: If you have any questions about this Privacy Policy, the practices of this Website, or your dealings with this Website, please contact us by email at hello@mintual.com or with a letter by postal mail to:
‍
‍Mintual
ATTN: Marketing
23747 Rock Ridge Drive
Maple Ridge, BC
V4R 2W2