TBJ Capital Financing (“TBJ,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains what personal information we collect, how we use it, who we share it with, and your rights under applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA).
1. Information We Collect
When you submit a financing application or contact us, we may collect the following information:
- Identity information: name, date of birth, Social Insurance Number (optional at application stage)
- Contact information: home address, phone number, email address
- Employment and income information
- Financial information required for a credit assessment
- Details about the vehicle or unit you intend to purchase
- Technical information such as IP address and browser type collected automatically when you visit our site
2. How We Use Your Information
We use your personal information to:
- Assess your financing application and match it with our lending partners
- Communicate with you about your application and related services
- Verify your identity and comply with anti-fraud and anti-money-laundering requirements
- Meet legal, regulatory, and contractual obligations
3. Sharing Your Information
We share your information with third parties only as needed to provide our services:
- Lending partners. To obtain financing offers for you, we share your application information with lenders in our network. These lenders conduct their own credit checks and use your information under their own privacy policies.
- Credit bureaus. Lenders may report to Equifax and TransUnion in accordance with applicable law.
- Service providers. Vendors who help us operate our business (hosting, email delivery, document signing) process information on our behalf under confidentiality obligations.
- Legal requirements. We may disclose information when required by law, court order, or regulatory authority.
We do not sell your personal information.
4. Consent
By submitting a financing application through our site, you consent to the collection, use, and disclosure of your personal information as described in this Privacy Policy. You may withdraw your consent at any time by contacting us, subject to legal and contractual restrictions.
5. Your Rights
Under PIPEDA, you have the right to:
- Access the personal information we hold about you
- Request corrections to inaccurate information
- Withdraw your consent, subject to legal restrictions
- File a complaint with the Office of the Privacy Commissioner of Canada
6. Data Retention and Security
We retain personal information only as long as necessary for the purposes described above and as required by law. We use reasonable administrative, technical, and physical safeguards to protect your information, including encrypted transmission and secure document signing.
7. Cookies and Analytics
Our site may use cookies and similar technologies to improve your experience and understand how the site is used. You can disable cookies in your browser settings, though some features may not work as intended.
8. Contact Us
For questions about this policy or your personal information, contact our Privacy Officer:
TBJ Capital Financing
Email: info@tbjcapital.ca
Phone: (800) 620-3959
9. Changes to This Policy
We may update this Privacy Policy from time to time. The “Last updated” date at the top reflects the most recent revision.