Privacy Statement

At AIKMAC FINANCIAL INC. ("AIKMAC", "we", "our", or "us"), protecting the privacy, confidentiality, and security of your personal information is one of our highest priorities.

This Privacy Statement ("Statement") explains how we collect, use, disclose, store, and protect your personal information when you apply for or use our financial products and services, visit our website, or otherwise interact with us.

Our privacy practices are designed to comply with applicable Canadian privacy legislation, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and other applicable provincial privacy laws.

By using our website or applying for our products and services, you consent to the collection, use, and disclosure of your personal information as described in this Privacy Statement.

Personal Information We Collect

We collect personal information directly from you when you apply for a loan, create an online account, communicate with us, or otherwise use our services.

Depending on the products or services requested, we may collect information including:

• Full Name
• Residential and Mailing Address
• Telephone Number(s)
• Email Address
• Date of Birth
• Government-Issued Identification
• Employment or Business Information
• Financial and Banking Information
• Credit History and Credit Score (with your consent)
• Income and Asset Information
• Other information necessary to verify your identity and assess your application

You are responsible for ensuring that all information you provide is accurate, complete, and current.

How We Collect Your Information

We may collect personal information through:

• Loan and financing applications
• Online account registration
• Customer service interactions
• Email, telephone, or written correspondence
• Our website and online portals
• Credit reporting agencies (with your consent)
• Financial institutions
• References you provide
• Publicly available sources where permitted by law

How We Use Your Personal Information

We use your personal information only for legitimate business purposes, including:

• Verifying your identity.
• Confirming the accuracy of information you provide.
• Assessing your eligibility for our financial products.
• Evaluating your creditworthiness.
• Processing and administering loan applications.
• Opening and maintaining your account.
• Processing payments and transactions.
• Detecting, preventing, and investigating fraud or unauthorized activities.
• Meeting our legal and regulatory obligations.
• Responding to your inquiries and providing customer support.
• Improving our products, services, and customer experience.
• Communicating with you regarding your account or our products and services.

We may also use your information for any other purpose permitted or required by law.

Automated Decision-Making

Certain loan or financing applications may be assessed using automated decision-making systems.

These systems evaluate information provided in your application, together with credit and other relevant data, to assist in determining your eligibility for financing.

Where required by law, you may request additional information regarding an automated decision or request that your application be reviewed by an authorized representative.

Marketing Communications

With your consent where required by law, we may send you:

• Product updates
• Promotional offers
• Company news
• Educational content
• Information regarding additional financial products or services

You may withdraw your consent or unsubscribe from marketing communications at any time by:

• Clicking the "Unsubscribe" link included in our emails.
• Replying "STOP" to SMS messages.
• Contacting us directly.

Please note that you will continue to receive communications relating to your account, loan, or legal obligations.

Information We Share

We do not sell your personal information.

We may disclose your personal information where necessary to provide our products and services or where required by law.

This may include sharing information with:

• Credit bureaus and consumer reporting agencies
• Financial institutions
• Payment processors
• Identity verification providers
• Insurance providers (where applicable)
• Service providers acting on our behalf
• Legal, regulatory, or government authorities
• Auditors and professional advisors
• References you provide for verification purposes

All third parties are required to protect your personal information and use it only for authorized purposes.

Information Collected Through Our Website

When you visit our website, certain technical information may be collected automatically.

This may include:

• Pages Visited
• Time Spent on Our Website
• Referral Website
• Cookies and Similar Technologies

This information helps us:

• Improve website performance.
• Enhance user experience.
• Maintain website security.
• Analyze website traffic.
• Detect unauthorized or fraudulent activity.

Our website may use cookies and similar technologies. You may adjust your browser settings to decline cookies; however, some website features may not function properly.

Security of Your Information

AIKMAC FINANCIAL INC. maintains administrative, physical, and technical safeguards designed to protect your personal information against unauthorized access, loss, misuse, disclosure, alteration, or destruction.

Our security measures include, where appropriate:

• Secure computer systems
• Data encryption
• Firewalls
• Multi-factor authentication
• Restricted employee access
• Secure storage facilities
• Continuous cybersecurity monitoring

While we strive to protect your information, no method of electronic transmission or storage can be guaranteed to be completely secure.

Retention of Personal Information

We retain your personal information only for as long as necessary to:

• Provide our products and services.
• Comply with legal and regulatory obligations.
• Resolve disputes.
• Enforce our agreements.
• Maintain appropriate business records.

When personal information is no longer required, it is securely destroyed, anonymized, or permanently deleted in accordance with our retention policies and applicable law.

Your Privacy Rights

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

• Request access to your personal information.
• Request correction of inaccurate or incomplete information.
• Withdraw consent where permitted.
• Request information regarding our privacy practices.
• Submit a complaint regarding our handling of your personal information.

Requests may be subject to identity verification and applicable legal restrictions.

Updates to This Privacy Statement

We may amend this Privacy Statement from time to time to reflect changes in our business practices, legal requirements, or regulatory obligations.

Any updated version will be posted on our website with a revised effective date.

We encourage you to review this Privacy Statement periodically.

Privacy Governance

AIKMAC FINANCIAL INC. has established policies and procedures to ensure responsible management of personal information.

These include:

• Information security policies
• Employee privacy training
• Access control procedures
• Data retention and destruction schedules
• Risk assessment and monitoring processes
• Incident response procedures
• Ongoing compliance with applicable privacy legislation

These measures help ensure that personal information remains protected throughout its lifecycle.

Contact Us

If you have questions regarding this Privacy Statement, your personal information, or your privacy rights, please contact AIKMAC FINANCIAL INC. using the contact information provided on our website.

We will respond to privacy inquiries and requests within the timeframes required by applicable law.