Who we are
Privacy Policy
Effective date: [Insert publication date]
Who We Are
We Can Capital Inc. (“We Can Capital,” “we,” “us,” or “our”) provides accounts receivable financing services for Canadian businesses.
This Privacy Policy explains how we collect, use, disclose, and protect personal information through wecancapital.com, our inquiry and application forms, and our business communications.
Personal information means information about an identifiable individual. Business records may contain personal information about owners, directors, guarantors, employees, or customers.
Information We Collect
Depending on how you interact with us, we may collect:
- Contact information: Your name, email address, telephone number, business name, and address.
- Inquiry information: Messages, financing requirements, and information you provide when requesting assistance.
- Application information: Business ownership details, identification documents, financial records, banking details, invoices, contracts, and supporting documents requested during a financing assessment.
- Communication records: Correspondence and records relating to your inquiries, application, or account.
- Technical information: IP address, browser type, device information, pages visited, and website activity collected through hosting logs, cookies, or enabled website services.
We request information relevant to the service you seek. Please do not submit unnecessary personal information or sensitive documents through general website comments or inquiry fields.
If you provide personal information about another person, you must have the authority or consent required to share it.
How We Use Information
We use personal information, as appropriate, to:
- Respond to inquiries and explain our services.
- Review financing requests and supporting documents.
- Verify identity, business ownership, and invoice details.
- Assess financing eligibility and administer approved arrangements.
- Communicate about applications, transactions, and account matters.
- Detect and prevent fraud or unauthorized activity.
- Operate, maintain, and protect our website and systems.
- Send marketing communications where we have the necessary consent or another lawful basis.
- Meet applicable legal obligations and resolve disputes.
If we propose a materially different use, we will explain it and obtain additional consent where required.
Consent and Your Choices
We seek consent appropriate to the information involved and the proposed collection, use, or disclosure, unless applicable law permits or requires otherwise.
Sensitive information and activities such as credit checks may require separate authorization. This Privacy Policy does not replace any consent or authorization required during the application process.
You may contact us to withdraw consent, subject to legal or contractual restrictions and reasonable notice. We will explain any consequences, including whether withdrawing consent prevents us from assessing an application or providing a service.
Application Forms and Service Providers
We use online forms and service providers to receive and manage inquiries and applications, including Zoho Forms.
Information submitted through our forms is used for the purposes described in this policy and any notices presented when you apply.
Service providers may process information on our behalf to support website hosting, form submissions, document storage, communications, and business administration. We remain responsible for personal information under our control and require appropriate protection when it is handled by service providers.
You can review Zoho’s Privacy Policy for information about its practices.
When We Share Information
We may disclose relevant personal information:
- To service providers that support our operations.
- To prospective financing providers where you have authorized us to seek or arrange financing.
- To verification providers, credit reporting agencies, or invoice customers where necessary and appropriately authorized to assess or administer financing.
- To professional advisers, including accountants and legal counsel, where necessary.
- Where required or permitted by law, including responding to lawful requests or protecting legal rights.
We limit disclosures to information appropriate for the stated purpose. Application-specific disclosures and authorizations will be explained during the financing process.
Cookies and Website Technology
Our website may use cookies and similar technologies to support essential functions, remember preferences, protect against spam, and understand website usage.
You can manage cookies through your browser settings and any consent controls available on our website. Blocking certain cookies may affect website functionality.
Comments and Uploaded Media
If comments are enabled, we collect the information entered in the comment form and may collect the visitor’s IP address and browser information to help detect spam. Approved comments and any associated public profile information may be visible to other visitors.
If Gravatar is enabled, a hashed version of your email address may be sent to that service to determine whether you have a profile image. See Automattic’s Privacy Policy for details.
Do not include confidential financial information, identification documents, or other sensitive information in public comments. Images uploaded for public display should not contain embedded location information you do not wish to disclose.
[Remove this section if comments and public media uploads are disabled.]
Embedded Content and External Links
Our website may contain videos, forms, images, or other content provided by third parties. Interacting with embedded content may allow those providers to collect technical information, use cookies, or associate your activity with an account you hold with them.
Links to independent websites are provided for convenience. Their privacy practices are governed by their own policies.
Email Communications
Where permitted, we may send industry updates, information about financing opportunities, and other marketing communications.
You can unsubscribe from marketing emails using the link in the message or by contacting us. Unsubscribing does not prevent us from sending necessary communications about an existing application, account, transaction, or legal matter.
Information Storage and Processing
Personal information may be stored or processed in Canada or other countries where our service providers operate. Information processed outside Canada may be subject to the laws and lawful access requirements of those jurisdictions.
You may contact us for information about the service providers and processing arrangements relevant to your personal information.
Retention
We retain personal information only as long as reasonably necessary for the purposes for which it was collected and to meet applicable legal, contractual, recordkeeping, and dispute-resolution requirements.
Retention periods depend on the type of information and whether an inquiry results in an application or ongoing relationship. When information is no longer required, we securely delete, destroy, or anonymize it, subject to applicable retention requirements and backup processes.
Safeguards
We use reasonable administrative, technical, and physical safeguards appropriate to the sensitivity of the information under our control. Access is limited to people and service providers who need the information for authorized purposes.
No website, transmission method, or storage system is completely secure. Please use the document-submission method we provide for sensitive application materials rather than public website fields.
Access, Corrections, and Privacy Requests
Subject to applicable law, you may request access to personal information we hold about you, ask how it has been used or disclosed, and request corrections to inaccurate or incomplete information.
You may also ask about withdrawing consent or deleting information we no longer need to retain. Some information may need to be retained for legal, contractual, or other permitted purposes.
We may verify your identity before responding. If we cannot fulfill a request, we will explain the reason, subject to legal restrictions.
Contact and Complaints
For questions, access requests, corrections, or privacy complaints, contact:
Privacy Officer — We Can Capital Inc.
Email: verify@wecancapital.com
We will review privacy concerns and respond in accordance with applicable requirements.
If your concern remains unresolved, you may contact the relevant privacy regulator, including the Office of the Information and Privacy Commissioner for British Columbia or the Office of the Privacy Commissioner of Canada, depending on the matter.
Changes to This Policy
We may update this Privacy Policy to reflect changes in our services, practices, or legal obligations. The effective date will identify the latest version.
Where a change requires additional notice or consent, we will provide that notice or obtain consent as required.
How long we retain your data
Suggested text: If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
What rights you have over your data
Suggested text: If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
Where your data is sent
Suggested text: Visitor comments may be checked through an automated spam detection service.