Privacy Policy

Privacy Officer

B2B Market has designated a Privacy Officer accountable for compliance with this Policy and applicable law. We are accountable for personal information transferred to third parties (e.g., service providers, and once launched, financing partners) and use contractual means to ensure a comparable level of protection.

Why we collect personal information

We identify purposes at or before the time of collection. If we intend to use personal information for a new purpose not previously identified, we will notify you and obtain consent before that use, except where permitted or required by law.

What we collect and why

Form of consent

Consent may be express (e.g., checking a box to agree to this Policy, or explicitly consenting to a credit check) or implied by context (e.g., submitting your phone number on a "Schedule a Call" form implies consent for us to call you about that request).

Sensitive purposes require express consent

Any use of financial information for credit assessment, and any sharing of your information with a third-party lender, requires your explicit, informed consent — not implied consent from prior site use.

Withdrawing consent

You may withdraw consent at any time, subject to legal or contractual restrictions, by contacting our Privacy Officer. We will inform you of the implications of withdrawal.

Marketing communications (CASL)

Any commercial electronic messages we send comply with Canada's Anti-Spam Legislation (CASL). You will be given a clear opt-in mechanism, our identifying information, and a functional unsubscribe mechanism in every message.

Minimum necessary

We limit collection of personal information to what is necessary for the identified purposes. We do not collect information indiscriminately or as a condition of using non-essential parts of the Site. Required form fields are marked as such; optional fields are clearly indicated.

Use and disclosure

Personal information is used or disclosed only for the purposes for which it was collected, unless you consent otherwise or it is required or permitted by law. We disclose personal information to: service providers (under contracts requiring protection and restricted use); Vendors or Buyers (limited to fulfilling a transaction you initiated); credit-assessment or lending partners (only once financing launches and only with express consent); professional advisors; and legal or regulatory authorities where required by law.

No selling of personal information

We do not sell personal information, and we do not disclose it to third parties for their own independent marketing purposes without your consent.

Retention

We retain personal information only as long as necessary to fulfil the identified purposes, or as required by law. Canadian federal and provincial tax and financial record-keeping requirements generally require retention of business records for at least six years. Information no longer needed is securely deleted or anonymized.

Keeping your information accurate

We take reasonable steps to ensure personal information is as accurate, complete, and up to date as necessary for the purposes for which it is used. You can help by keeping your account information current, and you may request correction of inaccurate information at any time (see Section 9).

Technical and organisational measures

We protect personal information with security safeguards appropriate to its sensitivity, including: encryption of data in transit (TLS/HTTPS); access controls limiting internal access on a need-to-know basis; contractual safeguards with third-party service providers; and ongoing evaluation of security practices as the Services evolve.

Breach notification

In accordance with the Digital Privacy Act amendments to PIPEDA, if we experience a breach involving personal information that creates a real risk of significant harm, we will: (1) report the breach to the Office of the Privacy Commissioner of Canada; (2) notify affected individuals as soon as feasible; and (3) keep records of all breaches for a minimum of 24 months.

Transparency

We make our privacy practices readily available through this Policy, published at b2bmarket.ca/privacy-policy/. Individuals may request additional information about our privacy practices from the Privacy Officer at any time.

Your rights

Subject to limited exceptions permitted by law, you have the right to be informed of the existence, use, and disclosure of your personal information; access your personal information; and request correction of inaccurate or incomplete information.

How to make a request

Submit a written request to our Privacy Officer (see Section 1 / Section 15). We will respond within 30 days in accordance with PIPEDA, or provide written notice of an extension where permitted. There is no charge for a basic access request; if we anticipate a cost for a more extensive request, we will provide a cost estimate in advance.

How to raise a concern

If you have a concern about our compliance with this Policy or PIPEDA, you may: (1) Contact our Privacy Officer directly — we will investigate and respond to all legitimate complaints. (2) If unsatisfied with our response, file a complaint with the Office of the Privacy Commissioner of Canada at priv.gc.ca or toll-free at 1-800-282-1376.