Privacy Policy

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Effective date: August 27, 2026

Business Loans BC (“Business Loans BC,” “we,” “us” or “our”) is a marketing name used by Gavin Toor, CPA and licensed mortgage broker with Volterra Capital Corp.

We respect your privacy and are committed to handling personal information responsibly and in accordance with applicable Canadian privacy laws.

This Privacy Policy explains what information we collect, why we collect it, how it may be used or disclosed and the choices available to you.

1. Information We Collect

The information we collect depends on how you interact with us and the type of financing you are seeking. It may include:

• Your name, telephone number, email address and mailing address
• Your company name, industry and business contact information
• The requested financing amount and intended use of funds
• Information about your business, ownership, operating history and existing obligations
• Financial statements, tax information, bank statements, projections and other supporting documents you choose to provide
• Personal net-worth, identification, credit and financial information when required for a financing application
• Communications between you and Business Loans BC
• Marketing preferences and consent records
• Technical information such as your IP address, browser, device, pages viewed and referring website

Please do not send Social Insurance Numbers, banking passwords or similarly sensitive information through the general website contact form. If sensitive documents are required, we will discuss an appropriate method for providing them.

2. How We Collect Information

We may collect information:

• Directly from you through this website, email, telephone, meetings or financing applications
• From lenders, financial institutions, credit reporting agencies and professional advisers, where authorized by you or permitted by law
• From referral partners or other individuals who introduce you to us
• From publicly available business sources, professional directories and business websites
• Automatically through website hosting, cookies and analytics technologies

When another person provides information on your behalf, we may ask them to confirm that they have the authority or your consent to do so.

3. How We Use Information

We may use your information to:

• Respond to your inquiry and communicate with you
• Understand your business and financing requirements
• Assess and structure a potential financing request
• Identify lenders or financing options that may be appropriate
• Prepare and submit applications with your authorization
• Verify information and satisfy lender, legal, compliance or regulatory requirements
• Manage the financing process from initial review through funding
• Maintain business, compliance and transaction records
• Improve our website, services and communications
• Prevent fraud, protect our systems and manage business risk
• Send relevant service information or marketing communications where permitted by law
• Comply with legal, regulatory and professional obligations

Submitting an inquiry does not guarantee approval or create an obligation for any lender to provide financing.

4. Consent

We collect, use and disclose personal information with your consent or as otherwise permitted or required by law.

Consent may be express or implied depending on the sensitivity of the information and the circumstances. For example, when you submit a contact form asking us to discuss financing, we may use the information provided to contact you and respond to that request.

You may withdraw your consent, subject to legal, regulatory and contractual restrictions. Withdrawing consent may limit our ability to provide services or continue a financing application.

5. When We Share Information

We do not sell, rent or trade personal information.

When necessary to provide the services you request, we may disclose information to:

• Banks, credit unions, institutional lenders, alternative lenders and other financing sources
• Volterra Capital Corp. and related brokerage, underwriting, compliance or administrative personnel
• Credit reporting agencies, valuation professionals, lawyers, accountants, insurers and other professional advisers
• Website hosting, email, document storage, customer-management, analytics and technology providers
• Government, regulatory, law-enforcement or other authorities where required or permitted by law
• A successor organization in connection with a proposed sale, restructuring or transfer of the business, subject to appropriate confidentiality protections

Financial information will only be submitted to potential lenders with your knowledge or authorization, except where disclosure is otherwise permitted or required by law.

Service providers are given access only to the information reasonably required to perform their services and are expected to protect it appropriately.

6. Information Stored or Processed Outside Canada

Some technology and service providers may store or process information outside British Columbia or Canada. When information is processed in another jurisdiction, it may be subject to the laws of that jurisdiction and may be accessible to its courts, governments or law-enforcement authorities.

We take reasonable steps when selecting service providers and limiting the information made available to them.

7. Marketing and Business Outreach

We may communicate with existing contacts, prospective clients and business professionals about services that may be relevant to them, where permitted by applicable law.

Business contact information may be obtained from professional relationships, referrals, public business directories or business websites. Any commercial electronic message sent by us will identify the sender, provide contact information and include a method to unsubscribe where required.

You may unsubscribe from marketing emails at any time by using the unsubscribe method in the message or by contacting us at info@businessloansbc.com. We will process unsubscribe requests within the period required by law.

Unsubscribing from marketing communications will not prevent us from responding to an active inquiry or sending necessary communications relating to an existing application or transaction.

8. Cookies and Website Analytics

This website and its hosting or technology providers may use cookies and similar technologies to:

• Operate and secure the website
• Remember preferences
• Understand how visitors use the website
• Measure website traffic and performance
• Improve content and user experience

Your browser may allow you to block or delete cookies. Disabling certain cookies may affect how some website features operate.

If we introduce targeted advertising, remarketing pixels or additional analytics services, this Privacy Policy may be updated to identify those practices.

9. Safeguarding Information

We use reasonable administrative, technical and physical safeguards appropriate to the sensitivity of the information. These measures may include access controls, password protection, secure technology providers and limiting access to people who require the information for legitimate business purposes.

No internet transmission or storage system can be guaranteed to be completely secure. You should avoid sending highly sensitive financial information through unsecured email or general website forms.

10. Retention and Disposal

We retain personal information only for as long as reasonably necessary to fulfill the purposes described in this policy and satisfy legal, regulatory, professional, contractual and record-keeping requirements.

When information is no longer required, we take reasonable steps to securely delete, destroy or anonymize it.

11. Accessing or Correcting Your Information

You may request access to personal information we hold about you or ask us to correct inaccurate or incomplete information.

Access may be limited where permitted or required by law, including where disclosure would reveal confidential commercial information or personal information about another person.

To make a request, contact the Privacy Officer using the information below. We may need to verify your identity before responding.

12. Third-Party Websites

This website may contain links to lenders, professional service providers and other third-party websites. Business Loans BC is not responsible for the privacy practices, security or content of third-party websites.

Related marketing websites associated with Gavin Toor include:

• Gavin Toor Mortgages
• Private Loans BC

Information submitted through these related websites may be handled by Gavin Toor and common administrative or technology systems. Each website may also contain its own privacy notices or terms applicable to its services.

13. Children’s Privacy

This website and our services are intended for adults and businesses. We do not knowingly collect personal information from children under the age of 18 through this website.

14. Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices, services, technology or legal obligations.

The updated policy will be posted on this page with a revised effective date. We encourage visitors to review it periodically.

15. Contact and Privacy Questions

Questions, access requests, corrections, withdrawals of consent or privacy complaints may be directed to:

Gavin Toor, Privacy Officer
Business Loans BC
c/o Volterra Capital Corp.
Unit 202 – 15055 54A Avenue
Surrey, BC V3S 5X7
Email: info@businessloansbc.com

If we are unable to resolve a privacy concern, you may contact the Office of the Information and Privacy Commissioner for British Columbia.

This Privacy Policy describes Business Loans BC’s general privacy practices and does not create contractual rights beyond those required by applicable law.