Privacy Policy

Draft for review. This is a plain-language skeleton and must be reviewed and approved by the client and legal counsel before publishing. (TODO: confirm.)

What we collect

When you contact us or apply, we collect the details you provide — such as your name, business name, contact information, and the information needed to assess a financing or insurance enquiry. We also collect information about how the site is used, and how you found it — see "Cookies, analytics & advertising" below.

Why we collect it

We use your information to respond to your enquiry, prepare and process applications, and improve the site. Credit and financial details are used only to assess and arrange financing or insurance.

Who we share it with

We share information with funders, lenders, and insurers only as needed to process your enquiry or application, and with service providers that help us operate. We also use advertising tools from Google and Meta, described under "Cookies, analytics & advertising" below. We do not sell your personal information.

How long we keep it

We retain information only as long as needed for the purposes above or as required by law.

Your choices

You can ask us to access, correct, or delete your information by emailing info@bcefinance.ca.

Cookies, analytics & advertising

We use Google Analytics to understand how people find and use this site: which pages are visited, the kind of device and browser, the approximate location (country or region), and whether someone used a calculator, tapped to call, or sent us an enquiry. Google Analytics uses cookies (or similar technology) to do this. We do not send your name, email address, phone number, or anything you type into a form to Google Analytics.

We may advertise with Google Ads. When you arrive from one of our ads, Google's tag may set a cookie so Google can tell us whether an ad led to an enquiry. We do not use Google Ads to show you personalised ads elsewhere (remarketing).

We use the Meta pixel from Meta Platforms, the company behind Facebook and Instagram, to measure our ads there and to show them to people who have visited this site. It tells Meta which pages you view and whether you sent us an enquiry or application, or tapped to call, text, WhatsApp or email us. It sets a cookie (_fbp) and, if you came from one of our ads, reads the ad click ID in the link (fbclid). Meta may connect this with what it already knows about you, such as your Facebook or Instagram account, under its own privacy policy. We do not send Meta your name, email address, phone number, or anything you type into a form.

If you're in Quebec, the European Economic Area, the UK or Switzerland, Google's analytics and advertising cookies are off. Google may still receive basic measurement signals without cookies, which it uses to estimate visits and results in aggregate. The Meta pixel is not switched off by region; you can block or limit it with the options below.

How you found us

When you arrive from an ad, an email or another website, we note the campaign details in the link (such as the source, the campaign name and the ad click ID), the website that sent you, and the page you landed on. These are kept in your browser for up to 90 days. If you then send us an enquiry, application or review, they're sent to us with it so we know how you found us. We may also give the ad click ID back to Google Ads so it can report which ads led to business.

Opting out

• Control the ads Google shows you in Google's ad settings.
• Control the ads you see on Facebook and Instagram, and whether Meta uses your activity on other websites to choose them, in Meta's ad preferences.
• Block or delete cookies, and clear site data, in your browser's settings. Blocking third-party scripts or trackers there (or with an extension) also stops the Meta pixel.
• Opt out of Google Analytics on every site with Google's opt-out browser add-on.

To learn how Google uses information from sites that use its services, see Google's explanation. For Meta, see Meta's privacy policy.

Contact

Questions about this policy? Email info@bcefinance.ca or call (604) 501-2233.