Effective Date: January 1, 2025

1458811 BC Ltd. (“Company”, “we”, “us”, or “our”) operates the website RVapprovals.ca. This Privacy Policy describes how we collect, use, disclose, safeguard, and retain personal information in connection with our financing services, website operations, communications, and related business activities, in accordance with applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA).

By accessing or using RVapprovals.ca, submitting information through our website, or applying for financing, you acknowledge that you have read, understood, and consent to the practices described in this Privacy Policy.

IMPORTANT NOTICE REGARDING TEXT MESSAGING DATA

1458811 BC Ltd. DOES NOT share customer opt-in information, including phone numbers and consent records, with affiliates or third parties for marketing, promotional, or unrelated purposes. All text messaging originator opt-in data is kept strictly confidential.

1. INFORMATION WE COLLECT

We may collect personal information that you voluntarily provide when submitting a financing inquiry, application, quote request, or communicating with us, including but not limited to:

Personal Information

• Full name
• Residential and mailing address
• Telephone number
• Email address
• Date of birth
• Employment and income information
• Banking or financial information
• Payment information
• Vehicle or financing preferences
• Communication preferences
• Opt-in records and timestamps for SMS, email, and other communication channels

Non-Personal and Technical Information
We may automatically collect:

• IP address
• Browser type
• Device information
• Operating system
• Geographic location
• Website usage data
• Referral source
• Cookies and tracking technologies

Customer Communication Records
We may retain:

• Service inquiries
• Appointment details
• Financing requests
• Support communications
• Feedback and reviews
• Application history and lender responses

2. PURPOSE OF COLLECTION

We collect, use, and disclose personal information for purposes including:

• Verifying identity and preventing fraud
• Assessing creditworthiness and financing eligibility
• Submitting applications to lenders, finance companies, and financial institutions
• Matching applicants with suitable financing programs
• Processing payments and transactions
• Communicating regarding applications, approvals, declines, or alternatives
• Providing customer support
• Improving website functionality and user experience
• Conducting analytics and performance monitoring
• Maintaining records of communication preferences and consent
• Complying with legal, regulatory, audit, and contractual obligations

We limit the collection of information to what is reasonably necessary for these purposes.

3. CONSENT

By submitting information through RVapprovals.ca, you provide informed consent to the collection, use, disclosure, and retention of your personal information as described in this Privacy Policy.

Where required by law, express consent will be obtained.

You may withdraw your consent at any time, subject to legal, regulatory, or contractual restrictions. Withdrawal of consent may limit our ability to provide financing services or maintain existing arrangements.

4. CREDIT AUTHORIZATION AND FINANCIAL CONSENT

By submitting a financing application through RVapprovals.ca, you:

• Confirm that all information provided is accurate and complete;
• Authorize 1458811 BC Ltd., its affiliates, and lending partners to obtain consumer and/or commercial credit reports from one or more credit reporting agencies;
• Authorize verification of employment, income, banking, and financial information; and
• Consent to the ongoing exchange of account and credit-related information with lenders and credit bureaus as permitted by law.

This authorization may apply to:

• Initial application processing
• Financing approvals
• Renewals
• Account reviews
• Collections activities

5. SMS MESSAGING & COMPLIANCE

Text Message Program Terms & Conditions

By opting into our SMS messaging services, you agree to receive text messages related to our services, including:

• Financing updates
• Application status notifications
• Appointment reminders
• Customer support communications
• Important account or service updates

Opt-In & Consent

• Messages are only sent after explicit consent is received
• We maintain timestamped records of opt-in actions
• We comply with applicable laws including the Telephone Consumer Protection Act (TCPA), CASL, and other applicable regulations

Opt-Out Instructions
You may opt out at any time by replying:

• “STOP” to cancel SMS communications

After opting out:

• You will receive a final confirmation message
• No further messages will be sent unless you re-subscribe
• Opt-out requests are processed promptly

Message Frequency
Message frequency varies depending on:

• Your application status
• Service activity
• Customer support interactions

HELP & Support
Reply “HELP” for assistance or contact us through RVapprovals.ca.

Carrier Disclaimer

• Standard message and data rates may apply
• Carriers are not responsible for delayed or undelivered messages

SMS Data Protection
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing with subcontractors solely supporting operational services (such as messaging providers or customer service platforms) is permitted. All other use cases exclude text messaging originator opt-in data and consent information.

6. USE AND DISCLOSURE OF PERSONAL INFORMATION

To facilitate financing and related services, we may disclose personal information to:

• Banks
• Credit unions
• Alternative lenders
• Finance companies
• Leasing providers
• Credit reporting agencies
• Dealership partners
• Identity verification providers
• Payment processors
• Underwriting service providers
• Regulatory authorities
• Legal or law enforcement agencies where required by law

You acknowledge that your application may be submitted to multiple lenders in an effort to secure financing or alternative offers.

We do not sell or rent your personal information.

All service providers are contractually obligated to maintain confidentiality and appropriate security safeguards.

7. COMMUNICATION CONSENT

You consent to receiving communications from 1458811 BC Ltd., affiliated partners, dealerships, and lenders through:

• Telephone
• Email
• SMS/text messaging
• Other lawful communication methods

Communications may relate to:

• Credit applications
• Financing approvals or declines
• Alternative financing opportunities
• Related products or services
• Promotional offers where permitted by law

You acknowledge that:

• Certain communications may contain marketing content;
• We and/or our partners may receive referral or placement compensation related to financing arrangements.

You may opt out of marketing communications at any time in accordance with applicable law.

8. COOKIES & TRACKING TECHNOLOGIES

We use cookies, pixels, analytics tools, and similar technologies to:

• Analyze website traffic
• Understand user behavior
• Remember preferences
• Improve website performance
• Support remarketing and advertising campaigns
• Enhance user experience

You may disable cookies through your browser settings; however, some website functionality may be affected.

9. ANALYTICS & THIRD-PARTY TOOLS

We may use third-party analytics and marketing tools, including Google Analytics, to better understand website usage and improve services.

These providers may collect information according to their own privacy policies.

For more information regarding Google’s data practices, visit:
https://www.google.com/policies/privacy/partners/

10. DATA SECURITY

We maintain administrative, technical, and physical safeguards appropriate to the sensitivity of the information, including:

• Encryption of sensitive information
• Secure servers and storage systems
• Access controls and authentication procedures
• Employee privacy and security training
• Security monitoring and updates
• Backup and disaster recovery procedures
• Breach response protocols

While we use commercially reasonable safeguards, no system or transmission method is completely secure, and we cannot guarantee absolute security.

11. RETENTION OF INFORMATION

We retain personal information only for as long as necessary to:

• Fulfill the purposes described in this Policy;
• Meet legal and regulatory obligations;
• Satisfy lender, audit, accounting, and compliance requirements;
• Resolve disputes and enforce agreements.

12. YOUR RIGHTS & CHOICES

Subject to applicable law, you may:

• Request access to your personal information
• Request corrections to inaccurate information
• Request deletion where legally permitted
• Withdraw consent for future communications
• Opt out of marketing emails by using the unsubscribe link
• Opt out of SMS communications by replying “STOP”
• Request information regarding our handling of your data
• File a complaint with a privacy regulator

We will respond to requests in accordance with applicable privacy legislation.

13. THIRD-PARTY WEBSITES

RVapprovals.ca may contain links to third-party websites or services. We are not responsible for the privacy, security, or content practices of those third parties. Use of third-party websites is at your own risk.

14. INTELLECTUAL PROPERTY

All content on RVapprovals.ca, including text, graphics, logos, branding, and website materials, is owned by or licensed to 1458811 BC Ltd. and protected under applicable intellectual property laws.

Unauthorized use, reproduction, or distribution is prohibited.

15. DISCLAIMER

RVapprovals.ca and all materials are provided on an “as is” and “as available” basis without warranties of any kind, express or implied, including warranties of merchantability or fitness for a particular purpose.

We do not guarantee:

• Uninterrupted website availability
• Error-free operation
• Financing approval
• Specific financing terms or offers

16. LIMITATION OF LIABILITY

To the fullest extent permitted by law, 1458811 BC Ltd., its affiliates, lenders, partners, employees, contractors, and service providers shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from:

• Use of or inability to use the website;
• Financing decisions made by lenders;
• Errors, interruptions, or delays in application processing;
• Unauthorized access to data;
• Technical failures or outages.

In all circumstances, total aggregate liability shall not exceed five (5) Canadian dollars.

17. INDEMNIFICATION

You agree to indemnify and hold harmless 1458811 BC Ltd., its affiliates, partners, lenders, employees, and service providers from any claims, damages, liabilities, losses, or expenses arising from:

• Your use of RVapprovals.ca;
• Your breach of this Privacy Policy;
• Your violation of applicable laws or third-party rights.

18. GOVERNING LAW

This Privacy Policy shall be governed by and interpreted in accordance with the laws of the Province of British Columbia and the applicable federal laws of Canada.

You agree to submit to the exclusive jurisdiction of the courts of British Columbia.

19. CHANGES TO THIS PRIVACY POLICY

We reserve the right to modify or update this Privacy Policy at any time. Changes become effective immediately upon posting to RVapprovals.ca.

Your continued use of the website following changes constitutes acceptance of the revised Privacy Policy.

20. CONTACT INFORMATION

If you have any questions regarding this Privacy Policy or your personal information, please contact:

1458811 BC Ltd.

Website: https://RVapprovals.ca

By using RVapprovals.ca and our services, you consent to this Privacy Policy.