Privacy Policy

theBNK is Canadian-built and operated in accordance with the Personal Information Protection and Electronic Documents Act, Canada's national privacy law. Where applicable, our practices are also designed to align with international privacy frameworks, including the General Data Protection Regulation (GDPR).

Our services are intended only for individuals who are at least 18 years old and legally authorized to represent a business or organization. We do not knowingly collect information from minors.

We may collect, process, and store the following categories of information:

Depending on your jurisdiction, we may process your information based on:

• Your consent
• Contractual necessity
• Legal and regulatory obligations
• Legitimate business interests, including fraud prevention, underwriting, and service improvement

We use collected information to:

• Evaluate and process funding applications
• Verify identity through Know Your Customer (KYC) procedures
• Conduct Anti-Money Laundering (AML) and fraud prevention checks
• Assess creditworthiness and business eligibility
• Provide tailored financing solutions
• Communicate updates regarding applications, approvals, or account activity
• Improve website performance and user experience
• Maintain internal records and compliance obligations
• Comply with legal, regulatory, tax, and enforcement requirements

We may share your information where necessary with:

We do not sell personal information to third parties.

Your information may be processed or stored outside of your jurisdiction, including outside Canada, where trusted service providers or funding partners operate. When international transfers occur, we implement reasonable contractual, technical, and organizational safeguards consistent with applicable privacy laws.

We use cookies and similar technologies for:

• Essential website functionality
• Performance monitoring
• Security
• Analytics
• Marketing optimization (where permitted)

You may disable cookies through browser settings; however, some features may not function properly.

We use administrative, technical, and physical safeguards designed to protect your data, including:

• Encryption
• Secure servers
• Access controls
• Monitoring systems
• Third-party security tools

While we implement commercially reasonable safeguards, no digital system can guarantee absolute security.

We retain information only for as long as necessary to:

• Deliver services
• Meet contractual obligations
• Comply with legal, tax, AML, and regulatory requirements
• Resolve disputes
• Enforce agreements

When no longer required, data is securely deleted, anonymized, or archived as legally required.

In the event of a security breach involving personal information that poses a real risk of significant harm, theBNK will notify affected individuals and relevant regulatory authorities in accordance with applicable law.

Subject to applicable law, you may have the right to:

• Access your personal information
• Correct inaccuracies
• Withdraw consent where applicable
• Request deletion
• Restrict certain processing
• Request data portability where legally applicable
• Opt out of marketing communications

Requests may be subject to identity verification and legal limitations.

Our platform may contain links to third-party websites or services. theBNK is not responsible for the privacy or security practices of third-party platforms.

This Privacy Policy is governed by the laws of Canada and applicable provincial laws, unless otherwise required by local regulations.

We may revise this Privacy Policy periodically to reflect legal, operational, or regulatory changes. Updated versions will be posted on our website with a revised effective date.

For privacy questions, data requests, or complaints: