Effective Date: April 22, 2026

At Smart Business Loans, we are committed to protecting the privacy and confidentiality of the personal and business information you entrust to us. This Privacy Policy outlines how we collect, use, and safeguard your data during the loan consulting and application process.

1. Information We Collect

To provide expert loan consulting services and assist with your CSBFP application, we collect the following types of information:

• Personal Identification: Name, address, phone number, email, and government-issued ID.

• Financial Records: Tax returns, financial statements, bank statements, and credit history.

• Business Data: Incorporation papers, business plans, lease agreements, and equipment quotes.

2. How We Use Your Information

We use the information collected solely for the purpose of helping you secure a business loan, including:

• Assessing your eligibility for the $1.15M federal support limits.

• Preparing lender-compliant application packages and business plans.

• Communicating with participating financial institutions on your behalf.

• Providing tailored financial advice to improve your approval chances.

3. Disclosure of Information

We do not sell or rent your information to third parties. Your data is shared only with:

• Participating Lenders: Banks or credit unions to whom we submit your loan application.

• Government Agencies: As required by the Canada Small Business Financing Act for program compliance.

• Legal Requirements: If required by law or to protect our legal rights.

4. Data Security

We implement industry-leading security protocols to protect your sensitive financial data. This includes encrypted file transfers, secure cloud storage, and strict internal access controls to ensure that only authorized personnel handle your file.

5. Data Retention

We retain your information only as long as necessary to fulfill the consulting services requested or to comply with Canadian legal and tax obligations. Once the data is no longer required, it is securely destroyed.

6. Your Rights

You have the right to:

• Request access to the personal information we hold about you.

• Request corrections to any inaccurate or incomplete data.

• Withdraw your consent for us to use your data at any time (subject to legal or contractual restrictions).

7. Contact Us

If you have any questions regarding this Privacy Policy or how your data is handled, please contact our Privacy Officer:

Small Business Loans Phone: (647) 927 6279 Location: Ontario, Canada