Privacy Policy

Secure Capital MIC ("we," "us," or "our") is committed to protecting your privacy and safeguarding your personal information. This Privacy Policy outlines how we collect, use, disclose, retain, and protect your data when you interact with our website at www.securecapitalmic.com (the “Site”), subscribe to our services, or submit forms. This policy applies solely to information collected through the Site.


1. Our Commitment to Privacy
Your privacy is a priority. We comply with Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA), which incorporates the ten privacy principles outlined in the Canadian Standards Association’s Model Code for the Protection of Personal Information.


2. When Personal Information Is Required
While you may browse our Site without sharing personal details, access to proprietary and confidential resources ("Resources"), newsletter subscriptions, or online form submissions may require you to voluntarily submit personal
information.


3. Types of Personal Information Collected
a. Personally Identifiable Information
We may collect:

  • Name

  • Address

  • Email address

  • Phone number

  • Employment or demographic details (e.g., marital status, education, occupation)

  • Date of birth

  • Language and service preferences

This data is typically collected when you:

  • Submit a form (e.g., request a quote application)

  • Subscribe to newsletters

  • Contact us by email or phone

  • Apply for a loan or act as a guarantor


b. Non-Personally Identifiable Information
This includes:

  • Pages visited, time spent on the Site

  • Referring websites

  • Browser type and operating system

  • IP address

  • Search and download activity

This information is collected to monitor website performance and user trends.

4. Automatically Collected Data and Cookies
We use cookies to track user sessions, evaluate traffic patterns, and improve website structure. Cookies do not access other data on your hard drive.

  • You may choose to disable cookies in your browser settings, though doing so may limit access to some site features.

  • We may also use remarketing services (e.g., Google Ads) to show our ads based on your past visits. You may opt out by adjusting Google’s ad settings or visiting the Network Advertising Initiative opt-out page.


5. Purpose of Collecting Information
We collect personal information to:

  • Respond to inquiries

  • Provide access to secure Resources

  • Process applications or transactions

  • Send marketing materials or company updates (with consent)

  • Improve website functionality

  • Fulfill legal or regulatory obligations


We do not sell or trade your personal data to commercial mailing lists.


6. Consent to Use Your Information

We will obtain your consent before collecting, using, or disclosing your personal
information.
Consent may be:

  • Express: Written, verbal, or electronic

  • Implied: When the purpose is clear and you voluntarily provide data


You may withdraw consent at any time by providing written notice. Doing so may impact our ability to provide certain services.
Consent is implied or not required when:

  • You have an ongoing relationship with us

  • It's necessary to protect our legal rights or collect debts

  • Required by law or regulatory authority

  • Sharing with trusted third-party service providers

  • Updating credit reports for active loans

  • During business transactions (e.g., mergers, loan syndication)


7. Our Commitment to the Ten Privacy Principles

  1. Accountability: We are responsible for all personal information in our custody, including data managed by third parties.

  2. Purpose Identification: We explain why data is collected at or before the time of collection.

  3. Consent: Your data is used only with your consent.

  4. Limiting Collection: We collect only what is necessary.

  5. Limiting Use, Disclosure, and Retention: Information is used only for identified purposes unless otherwise required by law.

  6. Accuracy: We strive to keep personal data complete and current.

  7. Safeguards: We use secure systems, access controls, and physical protections.

  8. Openness: Our privacy practices are transparent and available upon request.

  9. Individual Access: You may access and correct your information.

  10. Challenging Compliance: You may contact us or the Privacy Commissioner if you have concerns.

8. Monitoring Communications
Phone calls or electronic interactions may be recorded or monitored for quality assurance and staff training.


9. Information Retention and Security
We retain your personal information only as long as necessary to fulfill its intended purposes or comply with legal requirements. Once no longer needed, it is securely deleted or destroyed.


10. Sharing Your Information

  • We do not sell or disclose your personally identifiable information except as permitted by law or outlined in this Policy.

  • Information may be shared with affiliates or service providers to support service delivery, or when legally required.


11. External Links
Our Site may contain links to external websites. Secure Capital MIC is not responsible for their privacy practices. Please review the privacy policies of any third-party sites you visit.


12. Changes to This Privacy Policy
We may update this Policy from time to time. Any changes will be posted here priorto implementation. If significant changes occur, we will notify users via the contact details provided.


13. Contact Us
Privacy Officer: Sheri Kosturik
Address: 8-201, 28 Fulton Way, Richmond Hill, Ontario, L4B 1J5
Phone: +1 905-709-8633


If you are not satisfied with how your concern is addressed, you may contact:
Office of the Privacy Commissioner of Canada
Address: Place de Ville, 112 Kent St., 34th Floor, Ottawa, ON, K1A 1H3
Toll-Free: +1 800-282-1376
Website: https://www.priv.gc.ca