Privacy Policy

This Privacy Policy explains how Raymond Leigh (“Raymond Leigh,” “we,” “us,” or “our”) collects, uses, shares, stores and protects personal information when you visit raymondleigh.com, submit a financing request or work with us.

Raymond Leigh is a Montreal-based equipment finance brokerage serving businesses and equipment vendors across Canada. We help businesses access equipment financing, equipment refinancing, sale-leaseback financing, working capital, invoice factoring, vendor financing and other commercial financing solutions through a network of independent lenders and financing partners.

We handle personal information in accordance with Quebec’s Act respecting the protection of personal information in the private sector, the federal Personal Information Protection and Electronic Documents Act (PIPEDA) and other applicable privacy laws.

This Policy should be read together with our Terms and Conditions.

Raymond Leigh has designated a person in charge of the protection of personal information. This person is responsible for our compliance with this Policy and with applicable privacy laws.

Title: Co-Founder, person in charge of the protection of personal information
Email: info@raymondleigh.com
Address: 204 rue Saint-Sacrement, Suite 300, Montreal, Quebec, Canada

We collect only the information reasonably needed to review and complete a financing request or business relationship. Depending on the transaction, this may include:

• Contact information, such as name, job title, email address and phone number
• Business information, such as legal name, address, industry, years in business and ownership
• Information about owners, guarantors and authorized signers, including identification where a lender requires it
• Financial information, such as financial statements, bank statements, tax filings and accounts receivable reports
• Equipment information, such as quotes, invoices, serial numbers, photos and appraisals
• Credit information obtained with your consent where a lender requires a credit check
• Communications with us, including emails, calls, text messages and form submissions
• Basic technical information collected when you visit the website, such as browser type, device type and pages visited

Most of the information we handle relates to businesses. Some of it, such as information about owners and guarantors, is personal information and is protected under this Policy.

We collect information:

• Directly from you, when you complete a form, send documents, email, call or text us
• From equipment vendors, dealers or referral partners who introduce you to us, with your knowledge
• From lenders and financing partners reviewing your request
• From credit bureaus, registries and public sources, where permitted by law and, where required, with your consent
• Automatically, through our website hosting provider and cookies

We use personal information to:

• Respond to your inquiry and contact you about your request
• Review your financing request and identify suitable financing options
• Submit your file to lenders and financing partners
• Coordinate documentation, approvals, closing and funding
• Operate vendor and embedded finance programs
• Verify identity and help prevent fraud
• Meet legal, regulatory and record-keeping obligations
• Improve our website and services

We do not sell personal information.

By submitting a financing request or sending us information, you consent to the collection, use and sharing of your information for the purposes described in this Policy. Where the law requires express consent, such as for a credit check, we or the lender will ask for it separately.

You may withdraw your consent at any time, subject to legal or contractual restrictions. Withdrawing consent may mean we can no longer process your financing request.

To find and arrange financing, we share relevant information with:

• Lenders, financing companies, leasing companies and factoring companies
• Equipment vendors and dealers involved in the transaction
• Service providers such as insurers, appraisers, lien search providers, credit bureaus and legal professionals
• Technology providers that host our website, email and files

We share only what is reasonably needed for the purpose. Lenders and financing partners are independent organizations and handle information under their own privacy policies.

We may also disclose information where required or permitted by law.

Some of our lenders, financing partners and technology providers are located outside Quebec, in other Canadian provinces or in the United States. Your information may therefore be stored or processed outside Quebec.

Before communicating personal information outside Quebec, we assess whether it will receive adequate protection, as required by Quebec law, and we work with providers that apply reasonable security measures.

Our website is hosted by Webflow. Like most websites, it may use cookies and collect basic technical data, such as IP address, browser type and pages visited, to operate the site, keep it secure and understand how it is used.

You can block or delete cookies in your browser settings. Some parts of the website may not work as intended if you do.

If we add analytics or advertising tools that use cookies, we will update this Policy and, where required, ask for your consent.

We use reasonable administrative, technical and physical safeguards, including limiting access to people who need it, password-protected systems and secure file transfer where available.

No method of transmission or storage is completely secure. If a confidentiality incident presents a risk of serious injury, we will notify the affected individuals and the Commission d’accès à l’information du Québec, as well as the Office of the Privacy Commissioner of Canada where required.

We keep personal information only as long as needed for the purposes described in this Policy or as required by law, including record-keeping obligations for financing transactions. When information is no longer needed, we destroy or anonymize it securely.

Subject to applicable law, you may:

• Ask whether we hold personal information about you and request access to it
• Ask us to correct information that is inaccurate, incomplete or out of date
• Withdraw your consent
• Ask how your information is used and with whom it is shared
• Request that computerized personal information you provided be communicated to you or to another organization in a structured, commonly used technological format
• File a complaint with us

To make a request, contact the person in charge of privacy at info@raymondleigh.com. We will respond within 30 days, as required by law. We may need to verify your identity first.

If you are not satisfied with our response, you may contact the Commission d’accès à l’information du Québec or the Office of the Privacy Commissioner of Canada.

Our services are intended for businesses and their representatives. We do not knowingly collect personal information from people under 18.

We may update this Privacy Policy from time to time. The most current version will be posted on this page with the date of the latest update.

Raymond Leigh
204 rue Saint-Sacrement, Suite 300
Montreal, Quebec, Canada

Email: info@raymondleigh.com

Website: raymondleigh.com