Privacy Policy

Last Updated: [insert publication date]. Please review with legal counsel before treating as final.

1. About This Policy

Current Financial Corp. ("Current Financial", "we", "us", or "our") provides commercial equipment financing, leasing, refinancing, sale-leaseback financing, and asset-based lending services to businesses across Canada.

This Privacy Policy explains how Current Financial collects, uses, discloses, and protects personal information in connection with our website, our financing services, and our ongoing relationships with applicants, borrowers, lessees, guarantors, brokers, vendors, dealers, and other individuals connected to the businesses we work with.

We handle personal information in accordance with applicable Canadian private-sector privacy laws, including the federal Personal Information Protection and Electronic Documents Act ("PIPEDA"), Alberta's Personal Information Protection Act ("Alberta PIPA"), British Columbia's Personal Information Protection Act ("BC PIPA"), and other applicable Canadian privacy legislation where it applies to our activities.

2. Business & Personal Information

Current Financial deals primarily with corporations, partnerships, and other business borrowers. Business information about an organization is not, on its own, personal information.

However, in the course of assessing, structuring, documenting, and administering financing, we also collect and use personal information about individuals connected to those businesses — for example, directors, officers, shareholders, guarantors, sole proprietors, partners, authorized signing officers, beneficial owners, and authorized contacts.

This Policy addresses how we handle that personal information.

3. Types of Information We Collect

Depending on the relationship, we may collect personal and business information such as:

• Names, contact details, dates of birth, and identifiers used for identity verification
• Business names, structure, ownership details, and registry information
• Information about directors, officers, shareholders, guarantors, partners, and authorized signing officers
• Credit information, including credit bureau reports and credit history
• Financial statements, bank statements, and accountant-prepared information
• Personal net worth statements, where requested
• Identification documents and records of identity verification
• Information collected for beneficial ownership and anti-money-laundering ("AML") obligations where applicable
• Information about the equipment being financed, including title, valuation, and use
• Payment history, account activity, and servicing records
• Lease, loan, security, and other contract details
• Collections, enforcement, and recovery records, where applicable
• Correspondence and records of our interactions with you
• Website usage data, including basic analytics where the site uses them (see Section 9)

4. How We Use Information

We collect, use, and disclose personal and business information for purposes including:

• Reviewing and assessing financing applications
• Identity verification and AML-related checks where applicable
• Credit adjudication and underwriting
• Documenting and administering financing, including leases, loans, sale-leasebacks, and related agreements
• Registering and maintaining security interests in equipment and other collateral
• Servicing accounts, processing payments, and managing the lending relationship
• Collecting amounts owing and enforcing our rights and remedies under our agreements
• Reporting to credit bureaus where applicable
• Managing broker, vendor, and dealer relationships
• Complying with our legal, regulatory, tax, accounting, and recordkeeping obligations
• Responding to inquiries, requests, and complaints
• Improving the website and our services

5. Consent

We collect, use, and disclose personal information with consent, except where the law permits or requires us to do so without consent.

Where consent is required, it may be express (for example, in a signed application or agreement) or implied based on the context and purpose. For credit information, we obtain consent through the financing application and related documentation. The website does not replace deal-specific consents required during the application and underwriting process.

You may withdraw consent in certain circumstances, subject to legal and contractual limitations. Withdrawing consent may affect our ability to provide or continue providing financing services to the business or individual concerned.

6. Credit Bureau Reporting & Checks

In assessing, structuring, servicing, administering, or enforcing financing, we may obtain credit information from one or more credit reporting agencies, and we may report account information to credit bureaus where applicable. Specific credit consents are addressed in our financing application materials and related agreements.

7. Disclosure to Third Parties

We do not sell personal information. We may disclose personal information to third parties where it is necessary for the purposes described in this Policy or as permitted or required by law. These third parties may include:

• Credit bureaus and credit reporting agencies
• Brokers and referral partners involved in a financing transaction
• Equipment vendors, dealers, and auction partners
• Insurers and insurance brokers
• Appraisers, inspectors, and equipment valuation providers
• Legal counsel and other professional advisors
• Bailiffs, enforcement agents, repossession agents, and recovery service providers
• Banks, payment processors, and financial institutions
• IT, software, cloud hosting, and other service providers that support our operations
• Government, registry, tax, regulatory, or law enforcement bodies where required, permitted, or appropriate
• Successors and assigns in connection with a corporate transaction (such as a financing, sale, or restructuring)

We require service providers to handle personal information in a manner consistent with this Policy and applicable privacy laws.

8. Service Providers & Cross-Border Processing

Some of our service providers, including cloud-based software and hosting providers, may store or process personal information outside of Alberta or outside of Canada. Where this occurs, personal information may be subject to lawful access by foreign courts, law enforcement, or regulators in those jurisdictions.

We take reasonable steps to ensure service providers protect personal information appropriately, but we cannot guarantee that foreign laws will be the same as Canadian laws.

9. Cookies, Analytics, & Website Use

Our website may use cookies, analytics tools, contact forms, tracking pixels, and similar technologies to operate the site, understand how visitors use it, improve performance, and support marketing activities.

Most browsers allow you to control cookies through browser settings. Disabling certain cookies may affect how the site works for you.

If the website integrates third-party tools (for example, web analytics, advertising platforms, or chat tools), those tools may collect information about your use of the site under their own policies.

10. Safeguards

We use reasonable administrative, technical, and physical safeguards to protect personal information against loss, theft, unauthorized access, use, disclosure, copying, and modification. These safeguards include:

• Restricted access to personal information on a need-to-know basis
• Secure physical and electronic storage
• Encryption of information in transit and at rest where appropriate
• Access controls, authentication, and monitoring
• Employee confidentiality obligations and privacy training
• Secure destruction and disposal of records when no longer required

No safeguard is perfect. We work to maintain appropriate protections and respond to privacy incidents promptly.

11. Retention

We retain personal information only as long as we need it for the business, legal, regulatory, tax, accounting, enforcement, and recordkeeping purposes for which it was collected, or as required by law.

Retention periods vary depending on the type of information and the relationship. After the applicable retention period, information is securely destroyed or anonymized.

12. Access & Correction

Subject to applicable legal exceptions, you may request access to personal information we hold about you and request correction of inaccurate or incomplete information.

We may require information to verify your identity before responding to a request. We may also charge a reasonable fee for access requests where permitted by law and will provide an estimate before proceeding. Where we cannot provide access in whole or in part, we will explain why, where required by law.

13. Privacy Questions & Complaints

Privacy questions, access and correction requests, and complaints may be directed to:

If you are not satisfied with our response, you may also contact:

• The Office of the Privacy Commissioner of Canada ( priv.gc.ca ) for PIPEDA matters
• The Office of the Information and Privacy Commissioner of Alberta ( oipc.ab.ca ) for Alberta PIPA matters
• The Office of the Information and Privacy Commissioner for British Columbia ( oipc.bc.ca ) for BC PIPA matters

14. Changes to This Policy

We may update this Privacy Policy from time to time. Updates will be posted on this page with a revised effective date. Continued use of the website or our services following an update means you have reviewed the updated Policy.