Privacy Policy

Overview

KACU LTD and KACU Financial LTD (collectively “KACU”, “we”, “our”, or “us”) provide business funding solutions as a lender, financial brokerage, and asset manager. We are headquartered in Toronto, Canada, with operations across North America and globally.

We are committed to protecting the privacy of our clients and partners. This policy explains how we collect, use, disclose, and protect your personal and business information when you use our services.

Laws We Adhere To

We operate primarily in Canada and the United States, with clients and operations globally. We adhere to applicable privacy laws including:

• PIPEDA and provincial privacy laws in Canada
• GLBA and applicable U.S. state-level laws (e.g., CCPA/CPRA in California)
• GDPR where applicable for international data subjects
• AML and KYC regulations worldwide

What Information We Collect

Depending on the service and your interactions with us, we may collect identifying information, financial and business information, application and transactional data, and digital and communication data, including:

• Business name, registration number, address, and personal names, positions, emails, and phone numbers
• Government-issued IDs such as passports or driver's licenses
• Tax ID numbers (SIN, EIN, VAT, UTR, etc.), bank account details, and financial statements
• Credit history, loan records, investment portfolios, business plans, revenue history, and liabilities
• Loan and investment applications, transaction histories, payment records, and AML/KYC documents
• Website usage data (IP address, device ID, cookies), emails, call logs, support chats, and marketing preferences

How We Use Your Information

We use collected data to:

• Evaluate and process applications for funding
• Connect you with suitable lenders or partners
• Manage investment and asset management accounts
• Verify identity and ensure AML/KYC compliance
• Fulfill legal and regulatory obligations
• Provide support, improve our services, and send relevant marketing materials (with your consent)

Who We Share Information With

We only share information when necessary and in accordance with privacy laws — with financial institutions and lenders, government and regulatory bodies (such as CRA, IRS, FINTRAC, FinCEN), credit and identity agencies, and professional and technical service providers who process data on our behalf under strict confidentiality.

Cross-Border Data Transfers

We may store and process your data in Canada, the United States, or other countries where we or our partners operate. When data is transferred internationally, we ensure appropriate legal safeguards are in place, such as Standard Contractual Clauses (SCCs), binding corporate rules or data protection agreements, and hosting only with secure, reputable providers.

Your Privacy Rights

Depending on your jurisdiction, you may have the right to:

• Access the personal data we hold about you
• Request correction or deletion
• Object to or restrict processing
• Withdraw consent (for marketing, where applicable)
• Receive your data in a portable format
• File a complaint with your regional data protection authority

Data Retention

We retain your data only as long as necessary to provide services, comply with legal and regulatory obligations, and resolve disputes or enforce agreements. Generally, we retain information for at least 7 years following the end of the client relationship.

Data Security

We take security seriously and use secure servers and encryption, access control and internal data handling procedures, staff training and confidentiality agreements, and regular risk assessments and technical audits.

Cookies and Website Tracking

We use cookies and similar technologies to analyze traffic and improve performance, remember your preferences, and offer personalized services or marketing (with consent). You can manage cookies through your browser or our cookie settings tool.

Children's Privacy

Our services are designed for businesses and professionals. We do not knowingly collect data from individuals under 18 years of age.

Changes to This Policy

This policy may be updated periodically. The most current version will always be available on our website with an updated effective date.

Contact Us

If you have any questions or concerns about this policy, or would like to exercise your rights, please contact KACU LTD / KACU Financial LTD by email at info@kacu.ca or via our website at kacu.ca.