Overview

This Privacy Policy applies to www.journeycapital.ca (“Website”), which is owned and operated by Journey Capital, Inc. or an affiliate or subsidiary thereof (collectively, “Journey,” “us,” or we”). The Website facilitates our business loan products and related services (collectively “Services”). This Privacy Policy describes how Journey collects and uses the personal information you provide (directly or through third parties), or which is automatically generated, when you interact with our website www.journeycapital.ca (“Website”) and our mobile application (“Mobile App”).

This Privacy Policy also describes the choices available to you regarding our use of your personal information and how you can access and update such information.
For purposes of this Privacy Policy, “Personal Information” means information that personally identifies you.

Information We Collect

We collect the following information from you:

  • Contact information such as name, business name, email address, mailing address, phone number, and optional Social Insurance Number;
  • Financial information such as bank statements, credit card statements, your average bank balance, personal and business credit history, payment behavior, bank account information, and tax ID number;
  • Unique identifiers such as username and password, and IP address; and
  • Business information including company size, and business type.
  • Information to verify customer identity
  • Information to determine qualification for financing

In addition to collecting information via our Website and Mobile App, we may also conduct a site visit to collect information and obtain information and external data used by lenders to process applications and complete and manage transactions, e.g., from credit reporting agencies and other vendors, as well as from social media. Once you are a Journey customer, we may reach out to you for, or otherwise obtain, information if you decide to renew your loan or as otherwise needed to provide the Service.

Use of Information

We use the information we collect to:

  • Compile, save, use and analyze your Personal Information in both a personally identifiable form and as part of an aggregated data;
  • Operate, maintain, improve, and provide to you the Service and to conduct our business, including our own lending and referring you to third party small business lenders;
  • Verify your identity and conduct appropriate diligence;
  • Register you as a user and identify you when you sign in to your account;
  • Process your application and determine whether or not your business qualifies for one of our financing products;
  • Process your business financing product account, including deducting automatic payments;
  • Communicate with you to send order confirmations, respond to customer service requests, send marketing communications, and send account update notifications;
  • Post and review your comments on our blog.
  • Conduct research and analyses to better understand our customers; and produce data analytics and reports containing anonymized summaries of Personal Information and other information that is not Personal Information (such information, “General Information”) that we share with business partners. General Information may include Personal Information that has been aggregated, anonymized, and will not identify you.

Privacy and Sharing of Information

Journey will share your Personal Information with third parties only in the ways that are described in this Privacy Policy and as required by law. We do not sell your Personal Information to third parties.


We will provide your Personal Information, which may include application information, to our trusted business partners, third party lenders of Journey products, service providers, and subsidiaries and affiliates to provide financing and/or to provide services to help us with our business activities, such as offering customer service, processing credit checks or secure data storage, and other similar services. These companies are authorized to use your Personal Information only as necessary to provide these types of services to us. In addition, we may share your basic information (name, company name, phone number, email address and requested loan amount) with one of our business partners to market their services to you, provided, however, if you do not want us to share your Personal Information in these circumstances with these business partners, please contact us to opt-out by email at communications@journeycapital.ca or by postal mail at the contact information listed below.
In addition, we may also share General Information for the same reasons as we provide Personal Information and for business partners and others to conduct analyses and research and track marketing performance or as otherwise provided in the Tracking Technologies part herein.

Some of our pages utilize framing or white-labeling techniques to serve content from our partners while preserving the look and feel of our Website. For example, our Careers page utilizes white-labeling techniques. Please be aware that in these instances you are providing your Personal Information to these third parties and not to Journey.

We may also disclose your Personal Information:

  • As required by law, such as to comply with a subpoena, or similar legal process, including in a bankruptcy proceeding;
  • When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a request from a governmental entity;
  • If Journey is involved in a merger, acquisition, or sale of all or substantially all of its assets or equity, in which case, you will be notified via email and/or a prominent notice on our Website of any change in ownership or uses of your Personal Information, as well as any choices you may have regarding your Personal Information; and
  • To any other third party with your prior consent to do so.

User Access and Choice

If your Personal Information changes, or if you no longer desire our Service, you may correct, update, amend, delete/remove (at Journey’s discretion and as required by law), ask to have it removed from a public forum or testimonial on our Website or deactivate it by emailing our Customer Support at communications@journeycapital.ca or by contacting us by postal mail at the contact information listed below. We will respond to your request within 30 days.
 Note, while you can make a request to have your Personal Information deleted or removed, Journey will consider each request on an individual basis and comply where required by law or where it deems appropriate in its sole and reasonable discretion.

We will retain your information for as long as your account is active or as long as reasonably useful for commercial purposes. We will also retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Opt-Out Policy

Journey and our business partners may contact you to offer you products and services that may be of interest to you. Out of respect for your privacy, you may choose to stop receiving our newsletter or marketing emails, telephone solicitations or other forms of contact from Journey and our trusted business partners by following the unsubscribe instructions included in these emails, accessing the email preferences in your account settings page or by contacting us by email at communications@journeycapital.ca or by postal mail at the contact information listed below.

Tracking Technologies

Journey and our partners (for example, our marketing partners), affiliates, or analytics or service providers, including our live chat, marketing trackers, and survey tool service providers use cookies or similar technologies. These technologies are used in analyzing trends, administering the Website, tracking users’ movements around the Website and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.


A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We use cookies for user authentication and analytics. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our Website, but your ability to use some features or areas of our Website may be limited. If you would like to learn more about cookies or how to configure your browser, please visit www.allaboutcookies.org. In addition to the identified purposes described in this Privacy Policy, we may use information obtained from our website and share it with other organizations to measure the use of our website and to improve functionality and content.  Journey and our third party service providers may also use cookies and invisible web beacons to deliver internet-based advertisements that are relevant and targeted to the visitors of our websites.

Log Files

As is true of most websites, we gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may combine this automatically collected log information with other information we collect about you. We do this to improve services we offer you and to improve marketing, analytics, and Website functionality.


Behavioral Advertising/Re-Targeting

We partner with third parties to display advertising on our Website and manage our advertising on other sites. Our third party partners may use technologies such as cookies to gather information about your activities on this Website and other sites in order to provide you advertising based upon your browsing activities and interests. If you wish to not have this information used for the purpose of serving you interest-based ads, you may opt-out by clicking here. Please note this does not opt you out of being served advertisements. You will continue to receive generic advertisements.

Security of Information

Journey takes the security of your information very seriously. Your information is securely sent to Journey with 128 bit-encryption over the Transport Layer Security (TLS) protocol. This creates an encrypted connection between your browser and our servers. Thus, when you enter sensitive information (such as a bank account number) on our order forms, we encrypt the transmission of that information.
If you have any questions about the security of your personal information, you can contact us at communications@journeycapital.ca.

If you allow Journey to see your banking information online rather than in paper form, it is on a read-only basis. We do not have access to change, edit, or modify bank account information in any way. Journey employees cannot view your banking username and passwords.

Additional Information

Links to 3rd Party Sites

Our Website includes links to other websites whose privacy practices may differ from those of Journey. If you submit personal information to any of those sites, your information is governed by their privacy policies. We encourage you to carefully read the privacy policy of any website you visit.

Blog/Forum

Our Website offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your Personal Information from our blog or community forum, contact us by email at communications@journeycapital.ca or by postal mail at the contact information listed below. In some cases, we may not be able to remove your Personal Information, in which case we will let you know if we are unable to do so and why.

Testimonials

We display personal testimonials of satisfied customers on our Website in addition to other endorsements. With your consent, we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us by email at communications@journeycapital.ca or by postal mail at the contact information listed below.

Social Media Widgets

Our Website includes social media features, such as the Facebook “Like” button. These features may collect your IP address, which pages you are visiting on our Website, and may set a cookie to enable the feature to function properly. Social media features and widgets are either hosted by a third party or hosted directly on our Website. Your interactions with these features are governed by the privacy policy of the company providing it.

Changes To This Policy

We may update this Privacy Policy to reflect changes to our information practices. If we make any material changes we will notify you by email or by means of a notice on this Website prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.

Contact Information

General Inquiries: If you have any questions about this Privacy Policy, the practices of this Website, or your dealings with this Website, please contact us by email at communications@journeycapital.ca, or with a letter by postal mail to:

Journey Capital
ATTN: Marketing
1100 Rene-Levesque, Suite 610
Montreal, Quebec, H3B 4N4

To opt-out of marketing communications:  please use one of the communication methods below, and include your full name and business mailing email addresses and account number. Once we locate your contact information based on the information you provide us, it will be removed from our databases and mailings lists.

  • Send an email to communications@journeycapital.ca
  • Send a letter to:

    Journey Capital
    ATTN: Marketing Opt-Out
    1100 Rene-Levesque, Suite 610
    Montreal, Quebec, H3B 4N4