Privacy Policy

Effective date: August 2026

1. Introduction and Scope

Boreal Lending ("we", "us", or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you use our website, forms, and services (collectively, the "Service").

This Policy is designed to comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable Canadian privacy laws, as well as Canada's Anti-Spam Legislation (CASL). By using the Service, you consent to the practices described in this Policy.

Boreal Lending is a referral and matching service, not a lender. We share the information you provide with our partner network so they can look for a financing option that may suit your request.

2. Information We Collect

We collect the following categories of personal information, primarily through the forms you complete on our Service:

Identity and contact details: such as your name, date of birth, email address, phone number, and mailing or residential address.
Financial and employment details you provide: such as your income, employment status and employer, requested loan amount, existing debt, home ownership status, and other information relevant to your request.
Technical data: such as your IP address, browser type, device information, operating system, referring pages, and information collected through cookies, pixels, and similar tracking technologies.

3. How We Use Your Information

We use your personal information to:

Connect you with suitable lenders and partners and provide the referral and matching Service;
Communicate with you about your request, including by phone, email, and SMS;
Operate, maintain, and improve the Service and our marketing;
Detect and prevent fraud and misuse;
Comply with our legal and regulatory obligations.

4. Consent

We obtain your express consent to collect, use, and disclose your personal information when you submit a form through the Service. By submitting, you consent to the sharing of your information with our partner network as described in this Policy.

You may withdraw your consent at any time, subject to legal or contractual restrictions and reasonable notice, by contacting us at info@boreallending.ca. Please note that withdrawing consent may prevent us from providing you with the Service.

5. Disclosure and Sharing of Information

To fulfill your request, we share your personal information with our lead-network partner, LeadScout, and its network of lenders and service providers, so they can look for a financing option that may suit your needs. These parties may contact you directly regarding your request.

We do not sell your personal information to unrelated third parties. We may also disclose information where required by law, in response to a valid legal request, or to protect our rights, safety, or property.

6. Cookies and Tracking Technologies

We use cookies, web beacons, the Meta (Facebook) pixel, and analytics tools to understand how visitors use our Service, to measure and improve our advertising, and to enhance your experience. You can control cookies through your browser settings, although disabling them may affect how the Service functions.

Please note that this Service is not affiliated with, endorsed by, or sponsored by Meta Platforms, Inc. (Facebook or Instagram).

7. Electronic Communications (CASL)

In accordance with Canada's Anti-Spam Legislation (CASL), we obtain your consent before sending you commercial electronic messages. Every commercial email we send includes a clear and functioning unsubscribe mechanism. You may opt out of receiving commercial electronic messages at any time by using the unsubscribe link in any email, by replying STOP to a text message, or by contacting us at info@boreallending.ca. We will honour your request promptly.

8. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, to provide the Service, and to comply with our legal, accounting, and reporting obligations. When personal information is no longer required, we take reasonable steps to securely destroy, delete, or anonymize it.

9. Security Safeguards

We implement reasonable administrative, technical, and physical safeguards designed to protect your personal information against loss, theft, unauthorized access, disclosure, copying, use, or modification. However, no method of transmission over the Internet or electronic storage is completely secure, and we cannot guarantee absolute security.

10. Your Rights Under PIPEDA

Subject to applicable law, you have the right to:

Access the personal information we hold about you;
Request the correction of inaccurate or incomplete information;
Withdraw your consent to our collection, use, or disclosure of your information.

To exercise any of these rights, please contact our Privacy Officer at info@boreallending.ca. We will respond to your request within the timeframes required by applicable law.

11. Children's Privacy

The Service is not directed to, and we do not knowingly collect personal information from, anyone under the age of 18. If you believe we have inadvertently collected information from a minor, please contact us so we can delete it.

12. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date. Your continued use of the Service after any changes are posted constitutes your acceptance of the revised Policy.

13. Contact and Privacy Officer

If you have any questions, concerns, or requests regarding this Privacy Policy or your personal information, please contact our Privacy Officer at info@boreallending.ca.