Legal

Privacy Policy

Last updated: March 6, 2026

Rayze Capital ("Rayze", the "Company", "we", or "us") values and respects your privacy. We have prepared this privacy policy to describe the manner in which we collect, use, disclose and otherwise process personal information when you visit our websites located at rayzecapital.com (the "Website"), or otherwise interact with us. Rayze provides financing to consumers for the purchase of goods and services from our dealer partners, including solar panels and related installation services offered by our dealer partners.

Table of Contents

Collection and Use of Personal Information

Means of Collection

We collect personal information that you provide directly to us (through our Website or through other communication channels), and personal information that you may provide when you apply for, enter into, or repay a loan with us.

When you apply for a loan with us, we may also collect certain information about you directly from consumer and credit reporting agencies, as described in further detail below under "Credit Checks".

Our dealer partner representatives may provide you with our loan application materials, and collect completed loan applications. When they do so, they are collecting and processing your personal information on our behalf.

How we collect and use personal information

We may collect and use personal information in the following circumstances:

Applying for a Loan

When you apply for a loan with us, including when you complete a loan agreement (which may be presented to you by one of our dealer partners), we collect personal information on the loan application/agreement, including your legal name, installation address, home address, mailing address, email address, date of birth, and phone number. We collect information about the terms of the loan you are applying for, including the principal amount, term, amortization period, interest rate, fees, and other loan terms, and information about the goods and services that you are purchasing from our dealer partner. We may also collect additional information about your employment, business or income, including supporting documentation, for income verification purposes. We use this information to process your loan application.

Credit Checks

As part of your loan application, we may conduct a credit check by collecting personal information about you, including your legal name, current and former physical addresses, date of birth, age, place of employment and employment history. If you choose to provide it, we may also collect your Social Insurance Number (although this is optional). We use this information to confirm your identity, and to obtain credit checks and reports from consumer and credit reporting agencies about you. In conducting credit checks or obtaining credit reports, we may receive information from consumer and credit reporting agencies regarding your financial account histories including credit limits and balances, payment history, debts, consumer proposals, and public records (including bankruptcies and judgments), and information about your overall creditworthiness. We use this information to assess your creditworthiness and process your loan application.

Loan Agreement and Repayment

To administer your loan, we may collect personal information to facilitate repayment, such as information related to pre-authorized debit transactions, including banking information (account number, transit number, financial institution number, and branch details as found on a direct deposit form or void cheque).

Biometric Verification

To verify your identity, we may collect a picture of the front and back of your government-issued identification (e.g., driver's license, ID card, passport, or residency permit card) that you provide us or one of our service providers, and a "selfie" image, which is then compared to the picture of your ID to validate your identity. Our service providers use facial analytics and biometric markers to ensure that your "selfie" image matches to the government identification you have provided, and to confirm your identity.

Visit our Website

You do not have to register to visit or use our Website. However, we may collect certain personal information when you visit our Website. Please see the "Information About Our Website" section below for detailed information regarding the personal information we collect when you visit and use our Website, and the choices you have with regards to that collection.

Marketing Communications

We may send you updates, newsletters, offers or other marketing communications using your email address. You can unsubscribe at any time by clicking the "unsubscribe" link included at the bottom of each. Alternatively, you can opt out of receiving marketing communications by contacting us at the contact information provided under the "Contact Us" section below. Please note that you may continue to receive transactional or account-related communications from us for administrative purposes.

If you receive marketing communications from our dealer partners, such communications are sent by our dealer partners, and your choice to unsubscribe from marketing communications sent by Rayze will not impact your communications preferences with our dealer partners. Should you wish to unsubscribe from communications sent by our dealer partners, please utilize the unsubscribe mechanisms offered in the communication sent by our dealer partners, or contact them directly.

Provide Feedback and Reviews

We may collect and use feedback and/or reviews about our services to better understand our customers, and to enhance our services. With your consent, we may publish your feedback and/or reviews on our Website or in other promotional materials.

Apply for a Job at Rayze

In connection with an application or related inquiry for a job at Rayze, you may provide us with certain personal information about yourself (such as that contained in a resume, cover letter, or similar employment-related materials). We use this information to process and respond to your application for current and future career opportunities at Rayze.

Surveys and Research

From time to time, we may offer you the opportunity to participate in one of our surveys or other research projects. We will collect certain personal information about you if you choose to participate in a research survey of ours. The information we collect will depend on the particular survey or research project and we will provide you with specific details regarding our information practices for that survey or research project prior to collecting any information from you. The information obtained through our surveys and customer research is used in an aggregated, de-identified form. We use this information to help us understand our users and to enhance our Website and for auditing and data analytics.

Contests, Promotions and Sweepstakes

When you enter a contest or participate in a promotion or sweepstake, we may collect your name, address, email address, phone number, and any additional information or content required for the contest or promotion, including to deliver a prize to you. We use this information to administer your participation in the contest, promotion or sweepstake. As part of a contest, promotion or sweepstake, we may obtain your consent to share or otherwise publish the content you submit.

Contact Us

When you contact us with a comment, question or complaint about the Company through our web form, email or by phone, you may be asked for information that identifies you, such as your first and last name, email address and phone number, along with additional information we need to help us promptly answer your question or respond to your comment or complaint. We may retain this information to assist you in the future and to improve our customer service and service offerings.

Sharing of Personal Information

Rayze does not sell, disclose or share your personal information with third parties without your consent, except for the following purposes or as required or permitted by law.

Service Providers

Your personal information will be transferred or otherwise made available to certain third parties (including affiliates) that provide services on our behalf. We use service providers to provide services such as identity verification, customer inquiry support, IT support, hosting the Website, storing data, providing marketing assistance, conducting analytics, processing payments and providing customer service. Our service providers are only provided with the information they need to perform their designated functions and are not authorized to use or disclose personal information for their own marketing or other purposes. We and our service providers may access, store and otherwise process personal information outside of Canada, including in the United States or other foreign jurisdictions, where we or our service providers are located.

Legal and Compliance

We and our Canadian, US and other foreign service providers may provide your personal information in response to a search warrant to other legally valid inquiry or order, or to another organization for the purposes of investigating a breach of an agreement or contravention of law or detecting, suppressing or preventing fraud, or as otherwise may be required or permitted by applicable Canadian, U.S. or other law or legal process, which may include lawful access by US or foreign courts, law enforcement or other government authorities. Your personal information may also be disclosed where necessary for the establishment, exercise or defence of legal claims and to investigate or prevent actual or suspected loss or harm to persons or property.

Sale of Business

We may transfer any personal information we have about you as an asset in connection with a proposed or completed merger, acquisition or sale (including transfers made as part of insolvency or bankruptcy proceedings) involving all or part of the Company or as part of a corporate reorganization or other change in corporate control.

Credit and Consumer Reporting Agencies

We may disclose personal information about you to consumer reporting agencies, for the purpose of obtaining your credit or consumer report, and for credit reporting purposes, including information about your loan, and loan repayment history.

Information About Our Website

Visiting Our Website

In general, you can visit our Website without telling us who you are or submitting any personal information. However, we collect the IP (Internet protocol) addresses of all visitors to our Website and other information such as page requests, browser type, operating system and average time spent on our Website. We use this information to help us understand our Website's activity and to monitor and improve our Website.

Cookies

Our Website uses a technology called "cookies". A cookie is a tiny element of data that our Website sends to a user's browser, which may then be stored on the user's hard drive so that we can recognize the user's computer or device when they return. You may set your browser to notify you when you receive a cookie or to not accept certain cookies. However, if you decide not to accept cookies from our Website, you may not be able to take advantage of all of the Website's features.

Analytics

We may use a third-party such as Google Analytics to help us gather and analyze information about the areas visited on the Website (such as the pages most read, time spent, search terms and other engagement data) in order to evaluate and improve the user experience and the Website. These third parties may use cookies and other tracking technologies.

For more information about Google Analytics or to prevent the storage and processing of this data (including your IP address) by Google, you can download and install the browser plug-in available at: https://tools.google.com/dlpage/gaoptout?hl=en. You can also obtain additional information on Google Analytics' data privacy and security at: https://policies.google.com/technologies/partner-sites and https://support.google.com/analytics/topic/2919631.

Third-Party Links

Our Website may contain links to other websites and applications that the Company do not own or operate. We provide links to third-party websites and applications as a convenience to the user. These links are not intended as an endorsement of or referral to the linked websites or applications. The linked websites and applications have separate and independent privacy policies, notices and terms of use. We do not have any control over such websites and applications, and therefore we have no responsibility or liability for the manner in which the organizations that operate such websites and applications may collect, use or disclose, secure and otherwise treat personal information. We encourage you to read the privacy policy of every website you visit.

Safeguards and Retention

We have implemented administrative, technical and physical measures in an effort to safeguard the personal information in our custody and control against theft, loss and unauthorized access, use, modification and disclosure. We have measures in place that are designed to restrict access to personal information on a need-to-know basis to employees and authorized service providers who require access to fulfil their job requirements. That said, we advise that no method of electronic transmission or storage is 100% secure and cannot guarantee absolute data security.

We have record retention processes designed to retain personal information for no longer than necessary for the purposes set out herein, or as otherwise required to meet legal or business requirements.

Your Choices

Marketing Communications

As indicated above, if you receive our email marketing communications from the Company, you can unsubscribe any time by clicking the "unsubscribe" link included at the bottom of the email. Alternatively, you can opt out of receiving our marketing communications by contacting us at the contact information under the "Contact Us" section below.

Your choice to unsubscribe from marketing communications sent by the Company will not impact your communications preferences with our dealer partners. Please utilize the unsubscribe mechanisms offered in the communications sent by our dealer partners or otherwise contact our dealer partners directly.

Exercising Your Privacy Rights

Subject to applicable law and depending on the jurisdiction in which you are based, you have the right to access, update, rectify and correct inaccuracies in, and withdraw consent to the processing of, your personal information in our custody or control. You may make such a request or withdraw consent in respect of personal information by emailing or writing to us using the contact information provided in the "Contact Us" section below. We may request certain personal information for the purpose of verifying your identity.

Updates to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes to our privacy practices. We encourage you to periodically review this page to ensure you are familiar with those changes. We will indicate at the top of this Privacy Policy when it was most recently updated.

Contact Us

If you have any questions or comments about this Privacy Policy or the manner in which we or our service providers (including our service providers outside Canada) treat your personal information, please contact us at:

Alistair Shipley
Privacy Officer
privacy@rayzecapital.com

If you have any questions regarding the personal information we process on behalf of one of our dealer partners, we encourage you to first contact the dealer partner directly or review their applicable privacy policy.