Privacy Policy

1. Who We Are

Abria Capital is a capital brokerage and business funding advisory firm operating in Canada. Our registered address is 102 Colborne St E, Whitby, Ontario, L1N 1V8. We are not a bank, credit union, or direct lender. We help Canadian businesses access financing by preparing lender-ready applications and connecting clients with appropriate financing channels.

2. Information We Collect

When you submit an inquiry or application through our website, we may collect the following types of personal and business information:

• Your name, email address, and phone number
• Business name, location, and operating history
• Financial information including revenue range, funding needs, and intended use of funds
• Any additional details you choose to share in a message or application form

We also collect standard website usage data through server logs, including IP addresses, browser type, pages visited, and referring URLs. We do not use tracking cookies for advertising purposes.

3. How We Use Your Information

Information collected through this website is used solely for the following purposes:

• To respond to your inquiry or application
• To assess your business's financing needs and eligibility
• To prepare and package financing applications on your behalf, where engaged
• To connect you with appropriate lenders or financing sources relevant to your situation
• To communicate with you about your application or inquiry
• To comply with legal and regulatory obligations

We do not use your information for unsolicited marketing. We do not sell, rent, or trade your personal information to any third party for marketing or commercial purposes.

4. Disclosure of Information

Your information may be shared with third parties only in the following circumstances:

• Lenders and financing sources: Where you have engaged Abria Capital to assist with a financing application, relevant information may be shared with lenders, credit unions, alternative lenders, or other financing sources as part of the application process. We will discuss this with you before submitting any application on your behalf.
• Service providers: We may use third-party tools to receive and manage form submissions (including Formspree for contact form processing). These providers are bound by their own privacy policies and are not authorized to use your information for any purpose other than providing services to us.
• Legal requirements: We may disclose information where required by law, court order, or government authority.

5. Confidentiality

We treat all business and financial information submitted through this website as strictly confidential. Employees and associates of Abria Capital who access client information are required to maintain confidentiality as a condition of their engagement with us. We do not discuss client situations, financial details, or application status with any party other than the client without explicit consent.

6. Data Security

We take reasonable technical and organizational measures to protect personal information from unauthorized access, disclosure, alteration, or destruction. Our website is served over HTTPS. Form submissions are processed through Formspree, which maintains its own security standards. No method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.

7. Retention of Information

We retain personal information only for as long as necessary to fulfill the purposes for which it was collected or as required by applicable law. If your inquiry does not result in an active engagement, we will retain your information for a reasonable period sufficient to address any follow-up questions and then delete it from our active records.

8. Your Rights Under PIPEDA

Under Canada's PIPEDA, you have the right to:

• Request access to the personal information we hold about you
• Request correction of inaccurate or incomplete information
• Withdraw consent to our use of your information (subject to legal or contractual restrictions)
• Make a complaint to the Office of the Privacy Commissioner of Canada if you believe your privacy rights have been violated

To exercise any of these rights, please contact us at info@abria.ca. We will respond to all access requests within 30 days.

9. Cookies and Analytics

This website does not use advertising cookies or third-party tracking pixels. We may use basic server-side analytics to understand how visitors use the site (pages visited, referral sources, general location data). This data is aggregated and not linked to any individual user's identity.

10. Third-Party Links

This website may contain links to third-party websites including lender sites, government programs, and other resources. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies before submitting any personal information.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. The most current version will always be available on this page with the date of last update noted at the top. Continued use of our website following any update constitutes acceptance of the revised policy.

12. Contact Us

If you have any questions, concerns, or requests relating to this Privacy Policy or the handling of your personal information, please contact: