Draft for client review. Effective date to be set at launch.
Cascade Private Credit Partners (“Cascade”, “we”, “us”) is a private commercial lender based in Edmonton, Alberta. This policy explains how we collect, use, disclose and protect personal information in connection with our website and our lending business. We follow the Personal Information Protection and Electronic Documents Act (PIPEDA) and, where it applies, Alberta’s Personal Information Protection Act (PIPA) and the equivalent legislation in British Columbia.
What we collect
- Contact information you provide through our website forms, by email or by phone: name, business name, email address, phone number and the details of your inquiry.
- Financing application information: financial statements, ownership details, collateral information, credit and background information about the business and its principals, and personal net worth information for guarantors.
- Website usage information collected through cookies and analytics tools, such as pages visited, approximate location and device type.
How we use it
- To respond to inquiries and assess financing requests.
- To underwrite, document, fund and administer loans, including registering security and verifying identity as required by law.
- To communicate with borrowers and guarantors for the life of a facility.
- To improve our website and services.
- To meet legal, regulatory and audit obligations, including anti-money-laundering requirements.
Consent
By submitting an inquiry or application you consent to the collection, use and disclosure of your information for the purposes described here. Where we need information from third parties such as credit bureaus, appraisers or your existing lenders, we will obtain your consent first. You may withdraw consent at any time, subject to legal and contractual restrictions, by contacting us at the address below.
Disclosure
We do not sell personal information. We may share information with service providers who help us operate our business (such as appraisers, lawyers, credit reporting agencies and IT providers), with co-lenders and funding partners where a facility is shared, with regulators and law enforcement where required, and in connection with a sale or financing of our business. Service providers are bound by confidentiality obligations and may only use the information for the services they provide to us. Some providers may store information outside Canada, where it may be subject to foreign laws.
Safeguards and retention
We protect personal information with physical, organizational and technical safeguards appropriate to its sensitivity, including encryption of information in transit and access controls on our systems. We retain information for as long as needed to fulfil the purposes described here and to meet legal requirements, after which it is securely destroyed or anonymized.
Cookies and analytics
Our website uses cookies and analytics tools to understand how visitors use the site. You can disable cookies in your browser settings; some site features may not work as intended if you do.
Your rights
You may request access to the personal information we hold about you, ask us to correct it, or ask questions about how it is handled. We will respond within the time required by law. If you are not satisfied with our response, you may contact the Office of the Privacy Commissioner of Canada or the Office of the Information and Privacy Commissioner of Alberta.
Contact
Privacy Officer
Cascade Private Credit Partners
10180 101 Street NW, Suite 1200, Edmonton, AB T5J 3S4
info@cascadecredit.ca
This policy may be updated from time to time. The current version will always be posted on this page.
