Privacy Policy

Effective Date: 4/4/2025

Scope and Definitions

• Personal Information: Any data that can identify or be used to identify an individual, including but not limited to name, contact details, financial information, and other details collected in accordance with our business relationship with you.
• We/Us/Our: Refers to KM Capital, its subsidiaries, affiliates, service providers, and agents.
• You/Your: Refers to the individual providing their information to KM Capital, whether as a customer, applicant, reference, or other associated party.

This Privacy Policy applies to all users of KM Capital's products, services, and website, including website visitors, applicants, customers, former customers, or any individuals providing personal information to us.

Consent for Data Collection and Processing

By providing your personal information to us, whether via the Site, application, or other means, you consent to the collection, use, and disclosure of your personal information as described in this Privacy Policy. If you do not consent, please refrain from providing us with your information. If you choose not to share certain information with us, please note that it may limit our ability to provide you with products, services, or information.

Collection of Personal Information

We collect personal information when you interact with us, such as when you visit our Site, apply for our services, or communicate with us. This may include the following:

• Contact Information: Name, email address, phone number, postal address, and government-issued identification (e.g., social insurance number).
• Financial Information: Credit card number, bank account information, credit history, sales volume, revenue, seasonal income patterns, and online banking credentials if you apply for services that access your bank account.
• Business Information: For business applicants, this includes company name, entity type, business phone number, and financial data about the business.
• Additional Personal Information: Depending on your interaction with us, we may also collect information regarding references, guarantors, employees, or directors associated with you.

By submitting information about yourself or others (e.g., references or guarantors), you confirm that you have obtained the consent of the individual(s) to collect, use, and disclose their information in accordance with this Privacy Policy.

Use of Personal Information

• Service Provision: To evaluate, monitor, and manage your account, process transactions, and provide the financial products and services you request.
• Customer Relationship Management: To enhance and manage our relationship with you, assess satisfaction, and offer personalized financial services that may meet your needs.
• Security: To verify your identity, prevent fraud, and protect your account and personal data.
• Marketing: To send you offers and information about products and services that may be of interest to you, as well as to conduct surveys to improve our offerings.
• Legal and Regulatory Compliance: To comply with applicable laws, regulations, and industry standards.
• Business Development: To analyze trends, improve our services, and develop new financial products.

Use of Credit Information

As part of our services, we may collect and use credit information about you, including your credit score, financial history, and other data related to your creditworthiness. This is central to evaluating your eligibility for financial products we provide. We may continue to collect and use this information throughout the term of our business relationship, and potentially beyond, for purposes such as credit risk assessment and improving our services.

Sharing Personal Information

We may share your personal information with third parties in the following cases:

• Service Providers: We share your data with third-party service providers who assist with services such as email communication, payment processing, fraud detection, and product delivery. These service providers are obligated to use your information only as necessary to provide services to us.
• Third Parties for Marketing: We may share your data with trusted third parties who offer products and services we believe may interest you.
• Legal Compliance: We may disclose your personal information as required by law, such as in response to subpoenas, legal proceedings, or government requests.
• Business Transfers: In the event of a merger, acquisition, or sale of all or part of our business, your personal information may be transferred to the new owner, subject to the same privacy protections.
• Affiliates and Partners: We may share your data with affiliates or partners who follow the same data protection standards set forth in this policy.

Retention of Personal Information

We retain your personal information only as long as necessary to fulfill the purposes outlined in this Privacy Policy, including providing services to you, meeting legal obligations, resolving disputes, and enforcing agreements. Once your information is no longer needed for these purposes, it will be securely deleted or anonymized.

Tracking Technologies

We use cookies, web beacons, and other tracking technologies to enhance your experience on our Site, analyze trends, and monitor how visitors interact with our Site. These technologies help us improve our services and provide personalized content.

You can manage your cookie preferences through your browser settings. However, please note that disabling cookies may impact the functionality of some services on our Site.

Links to Other Websites

Our Site may contain links to third-party websites that are not governed by this Privacy Policy. We are not responsible for the privacy practices or content of these external sites, and we encourage you to review their privacy policies before providing any personal information.

Security of Personal Information

We implement industry-standard security measures to protect the personal information you provide to us. However, no data transmission over the internet can be guaranteed 100% secure, and we cannot ensure the security of personal information transmitted to us. It is your responsibility to protect your login credentials and other sensitive information.

User Responsibility for Protecting Account Information

You are responsible for maintaining the confidentiality of any passwords, PINs, or other account credentials associated with your use of our services. Please ensure that your login credentials are kept secure. If you believe your account has been compromised or that unauthorized access has occurred, please notify us immediately by emailing funding@kmcapital.ca or calling us at (647) 360-5762.

Access and Correction Requests

You have the right to request access to and correction of the personal information we hold about you. To make a request, please contact us at funding@kmcapital.ca. We may require proof of your identity before processing your request.

If you are a customer, you can also update your personal information by logging into your account on our Site.

Withdrawal of Consent

You may withdraw your consent to the collection, use, or disclosure of your personal information at any time by contacting us at info@kmcapital.ca. Please note that withdrawing consent may affect our ability to provide certain services to you. To opt-out of emails, you can unsubscribe, and for SMS, you may reply STOP to opt-out or HELP for more information.

How We Protect Your Information

We employ generally accepted security measures to protect your personal information from unauthorized access, alteration, or destruction. These measures include physical, administrative, and technical safeguards, such as encryption and access controls.

However, please note that no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee the absolute security of your personal information.uire proof of your identity before processing your request.

Updates to the Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, services, or legal requirements. We will post the updated policy on our Site, and the changes will take effect as soon as they are posted. We encourage you to review this Privacy Policy periodically.

How to Contact Us with Questions

If you have any questions about this Privacy Policy or if you wish to access or correct your personal information, please contact us using the following methods:

• Phone: (647) 360-5762
• Email: funding@kmcapital.ca
• Address:
• KM Capital
• #347,7250 Keele St.
• Concord, ON L4K 1Z8

We will respond to your inquiries as promptly as possible.