Privacy policy.

Effective Date: Oct 8, 2024

1. Introduction
Higher Finance ("we," "us," "our") respects your privacy and is committed to protecting the personal information you provide to us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website [www.higherfinance.ca] or engage with our services. Please read this policy carefully to understand our practices regarding your personal information.

2. Collection of Personal Information
We collect personal information that you provide to us directly, such as when you fill out forms, use our services, or communicate with us. The types of information we may collect include:

  • Name

  • Contact information (email address, phone number)

  • Financial information (bank account details, credit history)

  • Identification details (such as driver's license or passport number for verification purposes)

We may also collect information automatically when you visit our website, such as IP addresses, browser type, and cookies, to improve our service and user experience.

3. Use of Personal Information
We use your personal information for the following purposes:

  • To provide financial services and products that you request.

  • To verify your identity and ensure the security of your account.

  • To communicate with you regarding updates, offers, or changes to our services.

  • To comply with legal and regulatory requirements.

  • To improve our services and website functionality.

4. Disclosure of Personal Information
We do not sell or rent your personal information to third parties. We may share your information with:

  • Service Providers: Third-party companies that assist us in delivering services to you (e.g., payment processing, data analytics).

  • Legal Requirements: If required by law, we may disclose information to government authorities or law enforcement agencies.

  • Business Transactions: If we undergo a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction, subject to confidentiality agreements.

5. Security of Personal Information
We take reasonable precautions to protect your personal information from unauthorized access, disclosure, alteration, or destruction. Our security measures include encryption, access controls, and regular security audits.

6. Your Rights
Under Alberta's Personal Information Protection Act (PIPA) and Canada's PIPEDA, you have the right to:

  • Access: Request access to the personal information we hold about you.

  • Correction: Request that we correct or update inaccurate or incomplete information.

  • Withdrawal of Consent: Withdraw your consent to our use of your information at any time, subject to legal or contractual restrictions.

To exercise any of these rights, please contact us at cfo@higherfinance.ca.

7. Retention of Information
We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by law. Once the information is no longer needed, we will securely delete or anonymize it.

8. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. The updated policy will be posted on our website with a new effective date. Your continued use of our services after any changes indicate your acceptance of the updated policy.

9. Contact Us
If you have any questions or concerns about this Privacy Policy or our privacy practices, please contact us at:

  • Higher Finance

  • Address: 1720 11 Street SW, Calgary, Alberta, T2T 3L6

  • Email: cfo@higherfinance.ca