Privacy Policy

APX Funding (“APX Funding,” “we,” “us” or “our”) is an independent commercial financing brokerage based in Ontario, Canada. We respect your privacy and are committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose and safeguard personal information in connection with our website and services, in accordance with applicable Canadian privacy law, including the Personal Information Protection and Electronic Documents Act (PIPEDA).

1. Information we collect

We may collect the following categories of information:

• Contact information, such as name, email address, phone number and business name.
• Business information, such as legal business name, industry, time in business, revenue, financing needs and existing financing obligations.
• Owner information required by funding partners to evaluate an application, such as identity and credit-related information, where you provide consent.
• Documents you choose to provide, such as bank statements, financial statements or invoices.
• Technical information, such as IP address, browser type, device information and pages visited, collected through cookies and similar technologies.

2. How we collect information

• Through our online funding application, which is hosted by our third-party form provider, Jotform Inc.
• Through our website contact form, email, phone or other communications with you.
• From funding partners, credit bureaus or other third parties, where permitted by law and with your consent.
• Automatically, through cookies and analytics tools, subject to your cookie preferences.

3. How we use information

• To review your financing needs and help you explore funding options.
• To share your application with funding partners who may be able to offer financing.
• To communicate with you about your application or inquiry.
• To verify identity and help prevent fraud.
• To operate, maintain and improve our website and services.
• To comply with legal and regulatory obligations.

4. Disclosure to funding partners and service providers

Because APX Funding is a brokerage and not a lender, providing our services requires sharing your application information with one or more third-party funding partners so they can evaluate your request. By submitting an application, you consent to this disclosure. Funding partners handle your information under their own privacy policies.

We also use service providers to operate our business, such as Jotform (application forms), website hosting, email delivery and analytics providers. These providers may process or store information outside of Ontario or Canada, including in the United States, where it may be subject to the laws of those jurisdictions.

We do not sell personal information.

5. Consent

We collect, use and disclose personal information with your consent, except where otherwise permitted or required by law. You may withdraw your consent at any time, subject to legal or contractual restrictions, by contacting us. Withdrawing consent may affect our ability to help you explore financing options.

6. Cookies and analytics

Our website uses essential cookies required for it to function. With your permission, we may also use analytics cookies (such as Google Analytics) to understand how visitors use our website. You can change your preference at any time using the “Cookie settings” link in the website footer, or through your browser settings.

7. Retention

We retain personal information only as long as necessary for the purposes described in this policy or as required by law, after which it is securely destroyed or anonymized.

8. Safeguards

We use reasonable physical, administrative and technical safeguards to protect personal information against loss, theft and unauthorized access. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

9. Access and correction

You may request access to, or correction of, personal information we hold about you by contacting us. We may need to verify your identity before responding.

10. Third-party links

Our website may link to third-party websites. We are not responsible for the privacy practices of those websites.

11. Changes to this policy

We may update this Privacy Policy from time to time. The updated version will be posted on this page with a revised date.

12. Contact us

Questions or concerns about this policy or our privacy practices can be directed to our Privacy Officer at [privacy contact email], or through our contact page. If you are not satisfied with our response, you may contact the Office of the Privacy Commissioner of Canada.