Last Updated: 10/15

Your privacy is important to us. This Privacy Policy explains how we collect, use, share, and protect your personal information when you visit or use our Site or our Services.

1. Information We Collect

a. Information You Provide

When you complete forms, apply for a loan, or contact us, we collect information you provide, such as your name, email address, phone number, mailing address, date of birth, Social Security / tax ID, employment and income information, bank account or financial information, credit information, and other data needed to evaluate creditworthiness.

You may also provide additional information in communications (e.g. messages, feedback, support requests).

b. Automatically Collected Information

When you use the Site, we may collect technical information automatically, such as your IP address, browser type and version, operating system, device identifiers, pages you visit, time spent, referral URLs, cookies, usage data, and other analytics.

c. Cookies and Tracking

We use cookies, web beacons, and similar technologies to track usage, personalization, and performance analytics.

You can control cookie preferences via your browser settings, though disabling cookies may affect your ability to use some features.

2. Use of Information

We use the information we collect for purposes such as:

To evaluate and process your loan application

To communicate with you (e.g. status updates, notifications, marketing or promotional messages, if you consent)

To verify your identity and prevent fraud

To improve, maintain, and personalize our Site and Services

To analyze usage and trends, troubleshoot, and monitor security

To comply with legal obligations or respond to lawful requests (e.g. subpoena, government demands)

To enforce our Terms and other agreements

3. Sharing and Disclosure of Information

We may share your information in the following circumstances:

a. Service Providers and Contractors
We may share data with third-party service providers (such as credit bureaus, verification services, payment processors, cloud services, analytics providers) who assist us in operating the Site or providing Services, under confidentiality obligations.

b. Affiliates and Business Transfers
In the event of a merger, acquisition, sale, or other business transaction, personal information may be transferred.

c. Legal Requirements
We may disclose information when required by law, to enforce our rights, respond to litigation, court orders, or government requests, or to protect safety, rights, or property.

d. With Your Consent
We may share data in other cases with your explicit permission.

4. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect the confidentiality, integrity, and availability of your personal information. However, no system is completely secure, and we cannot guarantee that unauthorized access, hacking, or data breaches will never occur.

5. Data Retention

We will retain your personal information only as long as necessary to fulfill the purposes described in this Policy, comply with legal obligations, resolve disputes, enforce agreements, and maintain records.

6. Your Rights & Choices

Depending on your location, you may have rights over your data. These may include:

Accessing or requesting a copy of the personal information we hold about you

Correcting or updating inaccurate or incomplete information

Deleting your personal information (subject to legal and contractual restrictions)

Withdrawing consent (where consent is the basis of processing)

Objecting to or restricting certain processing

Exporting data (data portability)

Opting out of marketing communications

To exercise these rights, contact us at the contact details below. We may ask for proof of identity before fulfilling certain requests.

7. International Data Transfers

If we transfer your information to locations outside your jurisdiction (e.g. other countries), we will ensure appropriate safeguards (e.g. standard contractual clauses, binding corporate rules) to protect your data in accordance with applicable laws.

8. Children’s Privacy

The Site and Services are not intended for use by children under the age of 13 (or local age of consent). We do not knowingly collect personal data from children. If you believe we have collected such data, contact us, and we will delete it.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will post changes on the Site with a revised “Last Updated” date. Your continued use of the Site after such changes constitutes your acceptance of the updated Policy.

10. Contact Us

If you have questions about this Privacy Policy or want to exercise your data rights, you can contact us at:

Rocky Ridge Funding
1121 Centre St NW #110, Calgary AB T2E 7K6
Email: [your contact email]
Phone: (403) 607-3571