PRIVACY POLICY

Effective Date: July 10, 2025
Last Updated: July 10, 2025

1. Introduction

Ocean Business Consulting Inc. (“Ocean Business Consulting,” “Ocean,” “we,” “us,” or “our”) respects the privacy of our clients, applicants, website visitors, and other individuals who interact with us.

Ocean Business Consulting Inc. is a business consulting company providing services that may include business planning, strategic consulting, market research, general business and financial information review, funding opportunity research, preliminary applicant and business assessments, document preparation assistance, application support, and related administrative and consulting services.

Ocean Business Consulting Inc. is not a government agency, government funding provider, bank, lender, financial institution, mortgage brokerage, securities dealer, investment advisor, accounting firm, or law firm.

We do not make grant, lending, credit, government funding, or financing approval decisions.

This Privacy Policy explains how we collect, use, disclose, store, retain, and protect personal information in connection with our website, online forms, communications, consulting engagements, and services.

2. Personal Information We Collect

Depending on the nature of the inquiry or service requested, we may collect personal information including:

• Full legal name;
• Email address;
• Telephone number;
• Residential or mailing address;
• Date of birth;
• Citizenship, permanent resident status, immigration status, and date of arrival in Canada;
• Employment history and professional experience;
• Educational background;
• Business ownership and business-related information;
• Business activities, location, industry, revenue, number of employees, and operational information;
• Information concerning an applicant’s funding needs and intended use of funds;
• Income and household income information;
• Housing expenses;
• Property ownership information;
• Existing loans, debts, and monthly financial obligations;
• Credit score information voluntarily provided by an applicant;
• Credit reports and supporting financial documents voluntarily submitted by an applicant;
• Copies of identification documents, including a driver’s licence or other identification documents;
• Information concerning previous grants, loans, financing, funding applications, or financial assistance;
• Communications, correspondence, agreements, application records, and documents submitted in connection with our services;
• Referral information; and
• Technical and administrative information reasonably necessary to operate, secure, maintain, and improve our website, forms, systems, and services.

We do not request applicants to provide passwords, online banking login credentials, full payment-card information, or Social Insurance Numbers through our general applicant information form.

Applicants should not submit such information unless specifically requested through an appropriate secure process and where collection is reasonably necessary and permitted by applicable law.

3. How We Collect Personal Information

We may collect personal information:

• Directly from individuals through our website, online forms, email, telephone, meetings, and other communications;
• Through documents voluntarily submitted by applicants or clients;
• During consulting engagements and service delivery;
• From representatives or authorized persons acting on behalf of an applicant or client;
• From government agencies, program administrators, funding organizations, professional advisors, or other third parties where the individual has authorized the collection or where otherwise permitted by law; and
• Through website analytics and technical systems used to operate, maintain, and secure our services.

4. Purposes for Collecting and Using Personal Information

We may collect and use personal information to:

• Respond to inquiries and communicate with applicants and clients;
• Conduct preliminary applicant, business, or funding-related assessments;
• Review information provided by applicants and clients;
• Identify grants, subsidies, funding programs, financing opportunities, business support programs, or other opportunities that may potentially be relevant to an applicant or business;
• Conduct general business and financial information reviews for business consulting and funding opportunity assessment purposes;
• Review supporting documents where reasonably necessary;
• Assist applicants and clients with document organization, administrative preparation, and application support;
• Prepare, review, manage, or assist with applications and related documentation where authorized;
• Provide business consulting, strategic planning, market research, business planning, administrative support, and related services;
• Communicate or coordinate administratively with relevant third-party organizations where authorized by the applicant or client and where such activities do not require a regulatory licence, registration, or authorization;
• Manage consulting engagements, service agreements, billing, and client relationships;
• Maintain administrative, operational, and business records;
• Detect duplicate applications, fraud, misuse, security incidents, or unauthorized activities;
• Comply with applicable legal, contractual, accounting, record-keeping, and other lawful obligations; and
• Establish, exercise, or defend legal claims where reasonably necessary.

We seek to collect only personal information reasonably necessary for the identified purposes.

5. Consent

We collect, use, and disclose personal information with consent where consent is required by applicable law.

Consent may be provided electronically, including by:

• Submitting an online form;
• Selecting a consent checkbox;
• Signing an agreement;
• Providing information or documents for a requested service;
• Communicating authorization by email or other electronic means; or
• Otherwise expressly authorizing us to handle information for an identified purpose.

Individuals may withdraw consent to certain future uses or disclosures of personal information by contacting us, subject to applicable legal, contractual, operational, fraud-prevention, dispute-resolution, and record-retention requirements.

Withdrawal of consent may affect our ability to assess an inquiry, continue an engagement, assist with an application, or provide requested services.

6. Disclosure of Personal Information

Ocean Business Consulting Inc. does not sell or rent personal information.

Where reasonably necessary to provide requested services and where authorized or otherwise permitted by applicable law, we may disclose relevant personal information to:

• Government departments, agencies, and program administrators;
• Grant and funding organizations;
• Organizations administering business support, subsidy, grant, or funding programs;
• Financial institutions, lenders, or financing providers where the applicant has requested assistance involving such an organization and where our activities remain within the scope permitted by applicable law;
• Licensed, registered, or otherwise authorized independent professionals or organizations where their involvement is necessary for a requested service;
• Professional advisors and service providers involved in providing requested services;
• Authorized contractors and business service providers supporting our operations;
• Technology, website hosting, cloud-storage, email, security, analytics, and other service providers used to operate our business; and
• Courts, regulators, law-enforcement agencies, governmental authorities, or other persons where disclosure is required or permitted by law.

We seek to limit disclosure to information reasonably necessary for the applicable purpose.

Submitting an applicant information form does not authorize unrestricted disclosure of an applicant’s entire file to unrelated third parties.

Where additional authorization is required by a particular government program, organization, financial institution, lender, service provider, professional, or applicable law, we may request additional consent or authorization from the applicant or client.

7. Regulatory Scope and Third-Party Services

Ocean Business Consulting Inc. provides business consulting, general funding opportunity research, preliminary applicant and business information review, administrative support, document preparation assistance, and application support services within the scope permitted by applicable law.

Unless expressly stated otherwise in writing, Ocean Business Consulting Inc. is not a bank, lender, financial institution, mortgage brokerage, securities dealer, investment advisor, accounting firm, law firm, government agency, or government-authorized funding provider.

Ocean Business Consulting Inc. does not provide services that require a regulatory licence, registration, or authorization unless the Company has obtained the applicable licence, registration, or authorization or the relevant service is provided independently by an appropriately authorized professional or organization.

Where a requested service requires the involvement of a licensed, registered, or otherwise authorized professional or organization, an applicant or client may be referred to or required to engage an appropriate independent professional or organization.

8. Google Forms, Google Drive, Google Workspace, and Other Service Providers

We may use Google Forms, Google Sheets, Google Drive, Gmail, Google Workspace, website hosting providers, analytics services, communication systems, and other technology providers to collect, process, communicate, store, and manage personal information.

Information submitted through these services may be processed or stored using the service provider’s infrastructure and may be subject to the provider’s applicable terms, privacy practices, security measures, and data-processing arrangements.

We restrict access to applicant information and uploaded documents to authorized persons who require access for legitimate business purposes.

We do not intentionally make applicant records or uploaded documents publicly accessible.

9. Safeguards

We apply reasonable administrative, technical, and organizational safeguards appropriate to the sensitivity of personal information in our custody or control.

Safeguards may include:

• Access controls and restricted user permissions;
• Account authentication and multi-factor authentication where available;
• Limiting access to authorized personnel with a legitimate business need;
• Secure configuration of cloud-storage folders, files, and accounts;
• Periodic review of account access and sharing permissions;
• Procedures for handling, retaining, and securely deleting records;
• Confidentiality requirements for personnel, contractors, and service providers where appropriate; and
• Reasonable measures designed to detect, respond to, and mitigate unauthorized access, disclosure, loss, theft, or misuse.

No electronic transmission, cloud-storage platform, information system, or security measure can guarantee absolute security.

10. Storage and Processing Outside Canada

Our technology and service providers may process or store personal information outside Ontario or outside Canada.

Personal information processed or stored in another jurisdiction may be subject to the laws of that jurisdiction and may be accessible to courts, law-enforcement agencies, governmental authorities, or other authorized persons in accordance with applicable law.

11. Retention of Personal Information

We retain personal information only for as long as reasonably necessary to fulfill the purposes for which it was collected and to satisfy applicable legal, contractual, operational, accounting, fraud-prevention, dispute-resolution, and record-keeping requirements.

Retention periods may vary depending on:

• Whether an individual becomes a client;
• The nature of the inquiry or requested service;
• Whether an assessment, application, or consulting engagement proceeds;
• Whether an application is prepared or submitted;
• Requirements imposed by applicable programs or third parties;
• Ongoing contractual obligations;
• The sensitivity of the information involved; and
• Applicable legal requirements.

When personal information is no longer reasonably required, we may securely delete, destroy, or anonymize it.

12. Access and Correction

Individuals may request access to personal information we hold about them or request correction of inaccurate or incomplete personal information, subject to applicable legal exceptions.

We may take reasonable steps to verify the identity of the person making the request before providing access to, correcting, or deleting personal information.

Requests may be submitted using the contact information provided below.

13. Withdrawal of Consent

Individuals may request to withdraw consent to certain future uses or disclosures of personal information.

Withdrawal of consent does not necessarily require deletion of information that we are required or permitted to retain for legal, contractual, fraud-prevention, dispute-resolution, security, or legitimate record-keeping purposes.

Withdrawal may affect our ability to continue providing requested services.

14. Privacy and Security Incidents

If we become aware of unauthorized access, use, disclosure, loss, or theft of personal information, we will assess the circumstances and take reasonable steps appropriate to the nature and sensitivity of the information involved.

Where required by applicable law, we will notify affected individuals and applicable regulatory authorities.

15. Website Analytics and Cookies

Our website may use cookies, analytics technologies, and similar tools to understand website usage, improve website functionality, maintain security, and evaluate the effectiveness of our services.

Individuals may manage certain cookie preferences through their browser settings or available website controls.

16. Marketing Communications

Where permitted by applicable law, we may communicate with individuals about our services, business updates, or relevant opportunities.

Individuals may unsubscribe from marketing communications at any time.

Service-related, application-related, and transactional communications may continue where reasonably necessary.

17. Third-Party Websites and Services

Our website, forms, and communications may contain links to independent third-party websites or services.

Ocean Business Consulting Inc. is not responsible for the privacy practices, security, content, policies, or operations of independent third parties.

18. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our services, business practices, technology, legal obligations, or privacy practices.

The updated Privacy Policy will be posted on our website with a revised “Last Updated” date.

19. Contact Us

Questions, concerns, requests to access or correct personal information, withdrawal requests, or privacy complaints may be directed to:

Ocean Business Consulting Inc.

Privacy Officer: [Name or Position]

Email: [Privacy Email Address]

Business Address: [Business Address]

Website: [Website URL]

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TERMS & CONDITIONS

Effective Date: July 10, 2026
Last Updated: July 10, 2026

1. Acceptance of Terms

These Terms & Conditions govern the use of the website, forms, preliminary assessments, consulting services, application support services, and related services provided by Ocean Business Consulting Inc. (“Ocean Business Consulting,” “Ocean,” “we,” “us,” or “our”).

By submitting an online form, requesting services, entering into a consulting engagement, signing a service agreement, or otherwise using our services, you acknowledge that you have read and agree to these Terms & Conditions.

Submission of an initial applicant information form does not by itself create a consulting engagement or require Ocean Business Consulting Inc. to accept an applicant as a client.

2. Nature and Scope of Services

Ocean Business Consulting Inc. is a business consulting company.

Our services may include:

• Business consulting;
• Strategic planning;
• Business planning;
• Market research;
• General business and financial information review for business consulting purposes;
• Funding opportunity research;
• Preliminary applicant and business assessments;
• Identification of grants, subsidies, business support programs, funding opportunities, or other programs that may potentially be relevant to an applicant or business;
• Administrative support;
• Document organization and preparation assistance;
• Application preparation support;
• Review of information and supporting documents;
• Communication or administrative coordination with relevant organizations where authorized and where such activities do not require a regulatory licence, registration, or authorization; and
• Related consulting and advisory support within the scope permitted by applicable law.

The specific scope of paid services, fees, responsibilities, deliverables, timelines, and applicable cancellation or refund terms may be set out in a separate written service agreement, proposal, invoice, or engagement document.

3. Regulatory Status and Limitations

Ocean Business Consulting Inc. is not a government agency, government funding provider, bank, lender, financial institution, mortgage brokerage, securities dealer, investment advisor, accounting firm, or law firm.

We do not represent that we are endorsed, authorized, licensed, approved, or appointed by the Government of Canada, the Government of Ontario, any other government, government agency, funding program, lender, or financial institution unless such relationship is expressly stated in writing and can be independently verified.

Ocean Business Consulting Inc. does not provide services requiring a regulatory licence, registration, or authorization unless the Company has obtained the applicable licence, registration, or authorization or the relevant service is provided independently by an appropriately licensed, registered, or authorized professional or organization.

Our services are limited to business consulting, general funding opportunity research, preliminary information review, administrative support, document preparation assistance, application support, and related services within the scope permitted by applicable law.

Where a requested service requires the involvement of a licensed, registered, or otherwise authorized professional or organization, the applicant or client may be referred to or required to engage an appropriate independent professional or organization.

4. No Guarantee of Eligibility, Approval, or Funding

Submission of an applicant information form, completion of a preliminary assessment, identification of a potential funding opportunity, payment of consulting fees, preparation of documents, assistance with an application, or use of our services does not guarantee:

• Eligibility for any grant, subsidy, loan, financing program, financial assistance, government program, or funding opportunity;
• Approval of an application;
• Receipt of funding;
• Any particular funding amount;
• Approval within any particular timeframe;
• Continued availability of any program;
• Acceptance of an application by any organization; or
• Any specific business or financial outcome.

Eligibility requirements, application requirements, funding availability, approval decisions, processing times, and program administration are determined independently by the applicable government agency, program administrator, funding organization, lender, financial institution, or other third party.

5. Applicant and Client Responsibilities

Applicants and clients are responsible for:

• Providing accurate, complete, authentic, and current information and documents;
• Ensuring that submitted documents have not been fraudulently altered or misrepresented;
• Informing us promptly of material changes that may affect an assessment, application, or engagement;
• Reviewing information, documents, and applications before submission where applicant or client approval is required;
• Providing requested information and documents within applicable deadlines;
• Maintaining copies of important documents;
• Reading and complying with the requirements of applicable programs and third parties;
• Paying agreed fees when due;
• Obtaining independent legal, tax, accounting, investment, financial, or other regulated professional advice where appropriate; and
• Complying with applicable laws, contracts, and program requirements.

Ocean Business Consulting Inc. may rely on information and documents provided by applicants and clients unless otherwise agreed in writing.

6. Preliminary Assessments and Funding Opportunity Research

Any preliminary assessment, funding opportunity identification, program research, eligibility review, or similar service provided by Ocean Business Consulting Inc. is based on the information available at the time of review.

Program criteria, deadlines, funding availability, budgets, policies, and application requirements may change without notice.

A preliminary assessment or identification of a potential opportunity does not constitute confirmation of eligibility or approval.

Applicants and clients remain responsible for satisfying the final eligibility requirements and conditions established by the applicable program or organization.

7. Verification and Additional Information

We may request clarification, supporting documents, updated information, or reasonable verification where necessary to conduct an assessment or provide requested services.

We may decline, suspend, or terminate services where information or documents appear materially false, misleading, fraudulent, altered, incomplete, inconsistent, or unreliable.

Ocean Business Consulting Inc. is not obligated to independently verify every statement or document submitted by an applicant or client unless such verification is expressly included in a written service agreement.

8. Consent to Collection, Use, and Disclosure of Information

Personal information is handled in accordance with our Privacy Policy and applicable privacy requirements.

Where reasonably necessary to provide requested services and where authorized or otherwise permitted by law, applicants and clients may authorize Ocean Business Consulting Inc. to communicate with and disclose relevant information to:

• Government departments, agencies, and program administrators;
• Grant and funding organizations;
• Organizations administering business support, subsidy, or funding programs;
• Financial institutions, lenders, or financing providers where the applicant has requested assistance involving such an organization and where our activities remain within the scope permitted by applicable law;
• Licensed, registered, or otherwise authorized independent professionals or organizations; and
• Professional advisors and service providers involved in the requested service.

Any authorization is limited to information reasonably necessary for the applicable purpose.

Additional consent, authorization, identity verification, or documentation may be required for particular services, applications, organizations, or programs.

9. Independent Third Parties

Government agencies, program administrators, grant organizations, funding organizations, lenders, financial institutions, professional advisors, technology providers, and other third parties are independent entities.

Ocean Business Consulting Inc. does not control their:

• Eligibility criteria;
• Decisions;
• Funding availability;
• Processing times;
• Policies;
• Program changes;
• Terms and conditions;
• Security practices; or
• Actions or omissions.

We are not responsible for decisions or actions independently made by third parties except to the extent that responsibility cannot lawfully be excluded or limited.

10. Fees and Payment

Fees for assessments, consulting services, business planning, research, document preparation assistance, application support, administrative services, or other services will be disclosed in the applicable service agreement, proposal, invoice, or written engagement terms.

Unless expressly stated otherwise in writing, fees paid to Ocean Business Consulting Inc. are compensation for professional consulting and administrative services.

Fees do not represent:

• Payment for grant or funding approval;
• Purchase of access to a government program;
• Payment to a government agency or funding provider;
• A guarantee of eligibility, approval, funding, or financing;
• A guarantee of any particular business or financial outcome; or
• Compensation for regulated services that Ocean Business Consulting Inc. is not authorized to provide.

Clients are responsible for reviewing and accepting applicable fees and payment terms before entering into a paid engagement.

11. Cancellation, Refunds, and Termination of Paid Services

Cancellation, refund, and termination terms applicable to paid services will be stated in the applicable service agreement, proposal, invoice terms, or other written engagement terms.

Unless otherwise required by law or expressly agreed in writing, submission of an initial applicant information form does not create an obligation for Ocean Business Consulting Inc. to provide paid services or for an applicant to purchase services.

12. No Legal, Tax, Accounting, Investment, Credit, or Regulated Financial Advice

Unless expressly provided through an appropriately qualified and authorized independent professional, Ocean Business Consulting Inc. does not provide legal, tax, accounting, securities, investment, mortgage brokerage, credit counselling, debt management, or other regulated financial advice or services.

General business consulting, financial information review, funding opportunity research, or administrative application support should not be relied upon as a substitute for independent professional advice where such advice is appropriate.

13. Electronic Communications and Documents

Applicants and clients consent to receiving communications related to inquiries, assessments, applications, consulting engagements, and requested services through the contact information they provide.

Electronic communications, online forms, and cloud-based document transmission may involve security and confidentiality risks.

Applicants and clients should not provide passwords, online banking login credentials, full payment-card information, or Social Insurance Numbers through our general applicant information form.

14. Privacy and Confidentiality

Ocean Business Consulting Inc. handles personal information in accordance with its Privacy Policy and applicable privacy requirements.

We apply reasonable safeguards appropriate to the sensitivity of information in our custody or control.

No electronic system, online platform, cloud-storage provider, or method of communication can guarantee absolute security.

Applicants and clients are responsible for using reasonable care when transmitting sensitive information.

15. Applicant Documents and Records

Applicants and clients are responsible for maintaining copies of documents submitted to Ocean Business Consulting Inc.

We may retain application records, correspondence, documents, and other information in accordance with our Privacy Policy, contractual requirements, legitimate business-record needs, dispute-resolution requirements, fraud-prevention practices, and applicable law.

16. Intellectual Property

Website content, business materials, assessment methods, templates, reports, processes, written materials, branding, and other proprietary materials provided by Ocean Business Consulting Inc. remain our property or the property of their respective owners unless otherwise agreed in writing.

Applicants and clients may not reproduce, distribute, sell, publish, license, or commercially exploit proprietary materials without authorization.

17. Limitation of Liability

To the extent permitted by applicable law, Ocean Business Consulting Inc. will not be liable for losses arising solely from:

• An applicant’s or client’s failure to meet eligibility requirements, application requirements, program conditions, or deadlines;
• False, inaccurate, incomplete, outdated, misleading, or fraudulent information provided by an applicant or client;
• Decisions independently made by government agencies, program administrators, funding organizations, lenders, financial institutions, or other third parties;
• Changes to funding programs, eligibility criteria, deadlines, budgets, funding amounts, policies, or availability;
• Delays, outages, data loss, service interruptions, or failures caused by independent third-party technology providers beyond our reasonable control; or
• An applicant’s or client’s failure to obtain independent professional advice where appropriate.

Nothing in these Terms & Conditions excludes or limits liability that cannot lawfully be excluded or limited.

18. Fraudulent Information, Misrepresentation, and Unlawful Conduct

Applicants and clients must not knowingly submit fraudulent documents, false information, material misrepresentations, or information belonging to another person without authorization.

Ocean Business Consulting Inc. may refuse, suspend, or terminate services where there are reasonable concerns regarding fraud, identity misuse, unlawful activity, misrepresentation, or abuse of our services.

Where required or permitted by applicable law, suspected unlawful activity may be reported to appropriate authorities.

19. Refusal, Suspension, or Termination of Services

We may refuse, suspend, or terminate services where reasonably necessary, including where:

• Materially false, misleading, fraudulent, or altered information is provided;
• Unlawful, deceptive, or unethical conduct is requested;
• Required fees remain unpaid;
• An applicant or client materially breaches an agreement;
• Cooperation necessary to provide services is not provided;
• Continuing an engagement would create a legal, regulatory, professional, security, fraud, or reputational risk; or
• The requested service falls outside the scope of services Ocean Business Consulting Inc. is permitted or willing to provide.

20. No Partnership, Agency, or Government Relationship

Use of our website, submission of a form, or engagement of our services does not create a partnership, joint venture, employment relationship, fiduciary relationship, or government agency relationship between Ocean Business Consulting Inc. and an applicant or client.

Ocean Business Consulting Inc. does not represent an applicant before a government agency, lender, financial institution, or funding organization unless such representation is expressly agreed in writing and is permitted by applicable law.

21. Governing Law

These Terms & Conditions are governed by the laws of the Province of Ontario and the applicable federal laws of Canada.

Any disputes will be subject to the jurisdiction of the courts of Ontario unless otherwise required by applicable law or agreed in writing.

22. Severability

If any provision of these Terms & Conditions is determined to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect to the extent permitted by law.

23. Entire Agreement

These Terms & Conditions, together with our Privacy Policy and any applicable written service agreement, proposal, invoice terms, consent, or engagement document, constitute the applicable terms governing the relevant services.

Where a written service agreement contains terms that specifically differ from these general Terms & Conditions, the written service agreement will govern the specific engagement to the extent of the inconsistency.

24. Changes to These Terms

We may update these Terms & Conditions periodically to reflect changes in our services, business practices, technology, or legal requirements.

The updated version will be posted on our website with a revised “Last Updated” date.

25. Contact Information

Ocean Business Consulting Inc.

Email: info@oceanbusinessconsulting.ca  

Business Address: 10255 Yonge St #211 Richmond Hill, ON   Canada L4C 3B2

Website: www.oceanbusinessconsulting.ca