Privacy Policy

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Effective Date: February 22, 2026

1. IntroductionCRT Business Capital Inc. ("we," "us," or "our") respects your privacy and is committed to protecting your personal and corporate data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our financial lending and corporate advisory services.

2. Information We CollectWe may collect information about you in a variety of ways, including:

• Personal Data: Personally identifiable information, such as your name, email address, telephone number, and residential address, that you voluntarily give to us when choosing to participate in various activities related to our services, such as submitting a contact form or loan application.
• Financial & Business Data: Information related to your business structure, financial history, banking details, and funding requirements collected during the loan underwriting or business consulting process.
• Derivative Data: Information our servers automatically collect when you access the site, such as your IP address, browser type, and operating system.

3. How We Use Your InformationHaving accurate information about you permits us to provide a smooth, efficient, and customized experience. We may use information collected about you to:

• Process and evaluate your applications for working capital or consumer micro-loans.
• Deliver tailored business consulting, structuring, and advisory services.
• Communicate with you regarding your application status, account updates, or requested services.
• Improve our website, services, and overall client experience.
• Comply with applicable legal and regulatory requirements.

4. Disclosure of Your InformationWe highly value the confidentiality of your data. We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following situations:

• With Service Providers: We may share information with third-party vendors who perform services for us, such as credit reporting agencies, payment processors, or secure data hosting platforms.
• For Legal Reasons: We may disclose your information if required to do so by law, or in response to valid requests by public authorities (e.g., a court or government agency).

5. Data SecurityWe use administrative, technical, and physical security measures to help protect your personal information. While we have taken reasonable steps to secure the data you provide to us, please be aware that despite our efforts, no security measures are perfect or impenetrable.

6. Contact UsIf you have questions or comments about this Privacy Policy, please contact us at: CRT Business Capital Inc. [Insert Scarborough/Toronto Address] [Insert Phone Number] [Insert Email Address]