Effective Date: October 16, 2025

1. Introduction

1. Loanova Financial Inc. (“Loanova,” “we,” “our,” or “us”) respects your privacy and is committed to protecting your personal information.

This Privacy Policy explains how we collect, use, store, and protect your personal data when you visit our website, join our waitlist, or communicate with us prior to the launch of our financial services.

Please note: Loanova is not currently registered with the Financial Services Regulatory Authority of Ontario (“FSRA”). Until registration is approved, all services offered on this website are for informational and early-access sign-up purposes only.

2. Information We Collect

We collect only the information necessary to manage our waitlist, communicate updates, and prepare for our service launch. This may include:

Contact Information: your name, email address, and province of residence.

Form Responses: your self-identified role (investor or borrower), preferences, or timing

of interest.

Technical Information: browser type, device, IP address, and cookie data (see Section

7).

Communication Data: any information you provide when contacting us by email or

through our forms.
We do not collect credit reports, banking data, or other financial information at this stage.

3. How We Use Your Information

We use your information to:

• Register your interest in Loanova’s upcoming platform.

• Send you updates, newsletters, and early-access invitations.

• Analyze user engagement and website performance.

• Comply with applicable privacy, data protection, and anti-spam laws.

• All data collection and email communications are handled in accordance with Canada’s Anti-Spam Legislation (CASL).

4. Legal Basis for Processing (Canada)

Loanova processes your information under the following lawful bases:

Consent: when you voluntarily submit your details via our website or forms.

Legitimate Interests: to operate and improve our pre-launch website and

communications.

You may withdraw your consent at any time by unsubscribing from our emails or contacting us directly.

5. Data Sharing and Third-Party Processors

We only share information with third-party service providers that support our operations. These include:

Service Provider Klaviyo Inc.

Typeform S.L.
Google Analytics / Hotjar Framer B.V.

Purpose

Email automation and waitlist management

User intake questionnaires and surveys Website analytics and usage insights Website hosting and visitor interaction

Location

United States

Spain Global Netherlands

All third-party processors are contractually bound to comply with privacy laws and may only use your data as instructed by Loanova.

We do not sell, trade, or rent user information to third parties.

6. Data Retention

We retain your information only for as long as necessary to fulfill the purposes described above, or until you request deletion.
Once Loanova becomes FSRA-registered and transitions to full operations, all data collected during the pre-launch phase will be reviewed, and you will be notified of any updated privacy practices.

7. Cookies and Tracking Technologies

Loanova uses cookies and similar technologies to:

• Improve site functionality and performance.

• Analyze aggregate website traffic.

• Manage user consent and security.

You may manage cookie preferences at any time through our cookie banner or your browser settings. For more details, see our Cookie Policy (coming soon).

8. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your information against unauthorized access, loss, or misuse.
Despite these measures, no transmission of data over the internet can be guaranteed to be 100% secure.

9. Your Rights

Depending on your location and applicable law, you may have the right to:

• Access or request a copy of your personal information.

• Correct, update, or delete your data.
• Withdraw consent for marketing communications.

To exercise these rights, please contact us at privacy@loanova.ca.

10. International Data Transfers

Some of our service providers (e.g., Klaviyo, Google) may store or process data outside of Canada.

By submitting your information, you consent to the transfer and storage of your data in other jurisdictions with appropriate safeguards in place.

11. Changes to This Policy

Loanova may update this Privacy Policy from time to time to reflect changes in laws, practices, or operations. The “Effective Date” above will indicate the latest revision.

12. Contact Us

For questions, concerns, or requests regarding this Privacy Policy, please contact:

Loanova Financial Inc.
Email: privacy@loanova.ca
Toronto, Ontario, Canada