1. Introduction
MBT Capital, operated by Mbt Capital One Inc., respects the privacy of all visitors to our website and clients of our commercial financing and investment services. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website at www.mbtcapital.autos or engage our services. This website and the service platform it represents were developed and are operated by Mbt Capital One Inc., which serves as the data controller for personal information collected through this site. Please read this policy carefully.
2. Information We Collect
Contact Information. When you submit a contact form, request financing information, or communicate with us, we collect your name, company name, email address, phone number, and details about your financing requirements. This information is necessary for us to evaluate your needs and respond to inquiries.
Financial Information. For clients who engage our financing services, we collect detailed financial information including financial statements, tax returns, bank statements, accounts receivable and payable aging, asset listings, business plans, and personal financial information of principals. This information is essential for credit underwriting and regulatory compliance.
Corporate Information. We collect business registration documents, shareholder information, organizational structure details, director and officer information, and corporate authorization documentation as required for lending and regulatory compliance purposes.
Billing Information. We collect billing addresses, invoicing instructions, payment preferences, and banking details for the administration of financing facilities. All payment information is handled securely through encrypted systems.
Technical Information. When you browse our website, we automatically collect IP addresses, browser type, operating system, referring URLs, page access times, and browsing behavior through cookies and similar technologies as described in Section 5.
3. How We Use Your Information
- To evaluate financing inquiries and determine appropriate capital solutions for your business.
- To conduct credit underwriting, due diligence, and risk assessment for financing applications.
- To structure, document, and close financing transactions.
- To administer and service active financing facilities including payment processing, covenant monitoring, and portfolio management.
- To communicate with clients regarding their financing relationships, portfolio updates, and service matters.
- To comply with regulatory reporting, anti-money laundering requirements, know-your-client obligations, and tax reporting.
- To improve our website functionality and user experience based on aggregated analytics.
- To detect and prevent fraud, unauthorized access, or security breaches.
- To comply with applicable laws, regulations, legal processes, and governmental requests.
- To develop new financing products and improve existing services based on market feedback.
4. Data Sharing and Disclosure
Capital Partners and Lenders. We may share client information with institutional capital partners, syndication participants, and co-lenders as necessary to structure and fund financing transactions. These parties are bound by confidentiality agreements and may only use information for the specified transaction.
Professional Advisors. We may share information with legal counsel, accountants, appraisers, environmental consultants, and other professional advisors engaged in connection with financing transactions.
Regulatory Authorities. We may disclose information to FSRA, FINTRAC, Canada Revenue Agency, and other regulatory bodies as required by applicable laws and regulations.
Service Providers. We use third-party platforms for document management, email communications, customer relationship management, and data storage. All providers are contractually required to implement appropriate security measures. We do not sell personal information to third parties.
5. Cookies and Tracking Technologies
Our website uses essential cookies for basic functionality including navigation and form submission. Analytics cookies collect anonymized information about how visitors use our website to help us improve performance and content. Functional cookies enable enhanced features and personalization. You can control cookie settings through your browser preferences. Disabling certain cookies may affect website functionality.
6. Data Security
We implement appropriate security measures including SSL encryption for data transmission, firewall protection and intrusion detection, role-based access controls, regular security assessments, encrypted data storage on secure servers, employee training on data protection and confidentiality, incident response procedures, and regular data backup and disaster recovery protocols. While we strive to protect all personal information, no method of electronic storage or transmission is completely secure. We will notify affected individuals of any data breach as required by applicable law.
7. Data Retention
We retain personal information only as long as necessary to fulfill the purposes described in this policy unless a longer period is required by law. Contact inquiries are retained for two years. Client transaction records, including loan documentation, financial statements, and correspondence, are retained for seven years following facility maturity or termination to comply with regulatory and legal requirements. When information is no longer required, it is securely destroyed or anonymized.
8. Your Rights and Choices
Subject to applicable law, you may have the right to: access your personal information, request correction of inaccurate or incomplete information, request deletion where no longer necessary, restrict processing in certain circumstances, receive your information in a portable format, and object to processing for direct marketing purposes. To exercise these rights, contact us using the information in Section 13. We may need to verify your identity before processing requests.
9. Childrens Privacy
Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have inadvertently collected information from a minor, we will take steps to delete it promptly. The commercial financing services we provide are only available to businesses and individuals of legal age.
10. Third-Party Links
Our website may contain links to third-party websites not owned or controlled by Mbt Capital One Inc. We are not responsible for their privacy practices or content. We encourage you to read the privacy policies of every website you visit. This Privacy Policy applies solely to information collected through our website and in connection with our financing services.
11. Changes to This Policy
We may update this Privacy Policy to reflect changes in our practices, legal requirements, or industry standards. Material changes will be communicated by updating the date at the top of this policy and notifying clients by email. Continued use of our website after changes constitutes acceptance of the updated terms.
12. Governing Law
This Privacy Policy shall be governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any disputes arising under this policy shall be subject to the jurisdiction of the courts in Toronto, Ontario. This policy complies with PIPEDA and applicable provincial privacy legislation.
13. Contact Us
Mbt Capital One Inc.
550 Hwy 7 E Suite 335
Richmond Hill, ON L4B 3Z4
Canada
Email: congren@mbtcapital.autos
Phone: +1 (575) 298-3380
This website and the service platform it represents were developed and are operated by Mbt Capital One Inc., operating as MBT Capital. Privacy inquiries will be acknowledged within five business days and resolved within 30 days. If you are not satisfied with our response, you may file a complaint with the Office of the Privacy Commissioner of Canada or the applicable provincial oversight body.