Privacy Policy

1. Introduction

BackMyCapital ("we", "our", "us") is committed to protecting the personal information of individuals who use our website and services. This Privacy Policy explains how we collect, use, disclose, and protect personal information in accordance with federal Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable British Columbia privacy legislation.

By using our website at backmycapital.co or submitting a case review request, you acknowledge that you have read and understood this Privacy Policy.

2. Information We Collect

We may collect personal information that you voluntarily provide to us, including:

• Full name
• Email address
• Phone number
• Country of residence
• Type of issue experienced
• Approximate amount of funds involved
• A description of your situation as provided by you in our contact form

2.1 Contact Form Data

When you submit a case review request through our website contact form, the information you provide is transmitted to us and stored for the purpose of reviewing your case and responding to your inquiry. You are advised not to include passwords, PINs, or sensitive financial credentials in any form submission.

2.2 Automatically Collected Information

When you visit our website, we may automatically collect certain technical information, including your IP address, browser type and version, operating system, referring URLs, and pages visited. This information is used for website analytics and security purposes.

3. Cookies

Our website may use cookies — small text files stored on your device — to enhance your browsing experience and to gather analytics data. We use the following categories of cookies:

• Strictly necessary cookies: Required for the website to function properly. These cannot be disabled.
• Analytics cookies: Used to understand how visitors interact with our website, such as which pages are visited most frequently. This data is aggregated and anonymized.
• Preference cookies: Used to remember your choices, such as your cookie consent preference stored in localStorage.

You can control and manage cookies through your browser settings. Note that disabling certain cookies may affect website functionality.

4. Analytics

We may use third-party analytics tools (such as Google Analytics) to understand how visitors use our website. These tools may collect information about your device and browsing activity across websites. We configure these tools to anonymize IP addresses where possible. Please refer to Google's Privacy Policy for more information about how Google uses data.

5. How We Use Your Information

We use the personal information we collect for the following purposes:

• To review your case inquiry and determine whether and how we may assist
• To contact you in response to your inquiry
• To communicate with you regarding your case and our services
• To improve our website and services based on usage patterns
• To comply with applicable legal obligations

We will not use your personal information for any purpose other than those described above without obtaining your consent, unless required or permitted by law.

6. How We Share Your Information

We do not sell, rent, or trade personal information to third parties. We may share your personal information in the following limited circumstances:

• Service providers: Third-party service providers who assist us in operating our website or providing our services, subject to confidentiality obligations.
• Legal requirements: When required to do so by law, court order, or government authority.
• Protection of rights: When we believe disclosure is necessary to protect the rights, property, or safety of BackMyCapital, our clients, or others.

7. Third-Party Service Providers

We may use third-party service providers to assist with website hosting, email communication, and analytics. These providers are required to maintain the confidentiality of your information and are prohibited from using it for any purpose other than providing services to us. Third-party providers may be located outside of Canada, in which case your information may be subject to the laws of those jurisdictions.

8. Data Retention

We retain personal information for as long as is necessary to fulfill the purposes for which it was collected, or as required by law. Case inquiry information is retained for a reasonable period to allow for follow-up and record-keeping. When personal information is no longer required, we take reasonable steps to securely destroy or anonymize it.

9. Security

We take reasonable precautions to protect personal information against loss, theft, unauthorized access, disclosure, modification, or destruction. Our security measures include appropriate physical, technical, and organizational safeguards. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

10. Your Rights Under Canadian Privacy Law

Under PIPEDA and applicable British Columbia privacy legislation, you have the following rights regarding your personal information:

• Access: You may request access to the personal information we hold about you.
• Correction: You may request correction of inaccurate or incomplete personal information.
• Withdrawal of consent: You may withdraw your consent to our use of your personal information at any time, subject to legal or contractual restrictions.
• Complaint: You may file a complaint with the Office of the Privacy Commissioner of Canada at priv.gc.ca if you believe your privacy rights have been violated.

To exercise any of these rights, please contact us at the address provided below.

11. Canadian Privacy References

This Privacy Policy is designed to comply with:

• The Personal Information Protection and Electronic Documents Act (PIPEDA), S.C. 2000, c. 5
• The Personal Information Protection Act (PIPA), S.B.C. 2003, c. 63 (British Columbia)
• The Canadian Anti-Spam Legislation (CASL), S.C. 2010, c. 23

12. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us and we will take steps to delete it.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. We will post the updated policy on this page with a revised effective date. Continued use of our website following any changes constitutes acceptance of the updated policy.

14. Contact Information

For questions, concerns, or requests related to this Privacy Policy or the handling of your personal information, please contact us:

BackMyCapital
6656 Main St, Vancouver, BC V5X 3H2, Canada
Email: [email protected]

If you are not satisfied with our response, you may contact the Office of the Privacy Commissioner of Canada at priv.gc.ca or 1-800-282-1376.