Privacy Policy
Last Updated: June 10, 2026
1. Introduction
This Privacy Policy explains how Porticus Marketplace Inc., doing business as LEND-IT.CA™ (“LEND-IT.CA™”, “we”, “us”, or “our”), collects, uses, discloses, retains, and protects Personal Information when you use our website, mobile applications, marketplace platform, communication channels, and related services.
LEND-IT.CA™ operates a Canadian rental marketplace that connects individuals and businesses who want to list, rent, borrow, or manage rental transactions through the platform. Users who rent items are referred to as “Borrowers”. Users who list items for rent are referred to as “Lenders”. Borrowers and Lenders are collectively referred to as “Users”.
This Privacy Policy is intended to address our obligations under applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act, and applicable provincial private-sector privacy laws where they apply.
“Personal Information” means information about an identifiable individual, including information that can identify an individual directly or when combined with other information.
2. Information We Collect
Depending on how you use LEND-IT.CA™, we may collect the following categories of Personal Information.
Account and profile information
This may include your name, email address, phone number, username, password or account credentials, profile photo, notification preferences, business name, business profile information, storefront details, service area, social media links, and other information you add to your account or profile.
Contact and location information
This may include your billing address, pickup address, delivery address, business address, general location, and, if you enable device permissions, precise location information.
You can disable location access through your browser or device settings. If you disable location access, you may still use the Services, but certain features may be less accurate or may require you to manually enter your address or location.
Unless expressly disclosed to you and enabled through your device settings, we do not collect precise location information when the app is not in use.
Listing, rental, and transaction information
This may include item listings, item descriptions, photos, pricing, availability, rental requests, booking dates, order history, transaction amounts, taxes, pickup and delivery details, instructions, return requirements, wish list activity, reviews, ratings, and information related to disputes, claims, damage, loss, theft, non-return, or customer support matters.
Communications
This may include in-app messages between Users, communications with LEND-IT.CA™, customer support requests, emails, SMS or text messages, phone calls, chats, feedback, survey responses, and related records such as the date, time, method, and outcome of the communication.
Payment and payout information
This may include information about payment methods, transaction status, deposit authorizations, refunds, fees, taxes, payout details, and related payment records.
Payment information is primarily processed and stored by our third-party payment processors.
Device, usage, analytics, and measurement information
This may include IP address, device type, browser type, operating system, app version, referring URLs, pages viewed, links clicked, search activity, session activity, approximate location derived from IP address, cookie identifiers, mobile identifiers, device or technology identifiers, log data, campaign attribution data, and information about how you interact with our website, mobile applications, emails, communications, and other digital services.
We may collect this information through cookies, pixels, tags, software development kits, APIs, analytics tools, measurement tools, attribution tools, performance tools, and similar technologies.
Fraud prevention, verification, safety, and security information
This may include information used to verify accounts, detect suspicious activity, prevent fraud or misuse, protect the platform, enforce our Terms of Service, investigate security incidents, and support safe rental transactions.
Information from third parties
We may receive Personal Information from service providers and third parties that help us provide the Services, including payment processors, cloud hosting providers, analytics providers, measurement providers, communication providers, identity or fraud-prevention providers, customer support providers, and other business partners.
3. How We Use Personal Information
We may use Personal Information for the following purposes.
To provide and operate the Services
We may use Personal Information to create and manage accounts, display listings, facilitate rental requests, process bookings, process payments and payouts, manage deposits, support pickup and delivery, enable in-app messaging, display reviews, and provide the core features of the marketplace.
To improve the Services
We may use Personal Information to understand how Users interact with the platform, improve website and app performance, develop new features, troubleshoot issues, analyze trends, and make the Services more useful and reliable.
To support customer service
We may use Personal Information to respond to inquiries, investigate issues, resolve disputes, process support requests, handle claims, and communicate with Users about their accounts, transactions, listings, bookings, or use of the Services.
To protect trust, safety, and platform integrity
We may use Personal Information to verify accounts, detect and prevent fraud, investigate misuse, enforce our Terms of Service and policies, protect Users and the platform, respond to security incidents, and maintain a safe marketplace.
To process payments, taxes, and business records
We may use Personal Information to process rental payments, service fees, security deposits, refunds, payouts, tax calculations, receipts, accounting records, and related financial administration.
To communicate with you
We may use Personal Information to send service-related communications, including account notices, booking updates, payment notices, policy updates, security alerts, and customer support messages.
Where permitted by law, we may also send marketing communications, newsletters, promotions, product updates, or other information about LEND-IT.CA™. You may unsubscribe from marketing emails at any time using the unsubscribe link or by contacting us.
To measure and improve outreach, communications, and campaigns
We may use Personal Information to measure the performance of our outreach, communications, campaigns, website activity, app activity, emails, and platform engagement.
This may include understanding which campaigns, communications, channels, or content lead to visits, signups, app downloads, listings, transactions, or other actions on the Services.
Where required by applicable law, we will obtain your consent before using Personal Information for certain profiling, measurement, attribution, or non-essential tracking activities.
To support internal research, automation, and product development
We may use Personal Information, including aggregated, de-identified, or otherwise privacy-protective information, to analyze trends, improve the Services, develop new features, support internal research, and improve automated tools or AI-enabled features.
To comply with law and enforce our rights
We may use Personal Information to comply with legal, regulatory, tax, accounting, audit, court, law enforcement, or government requirements; respond to lawful requests; enforce our agreements; and protect our rights, property, Users, business, and platform.
4. Consent
We collect, use, and disclose Personal Information only for purposes that a reasonable person would consider appropriate in the circumstances and, where required, with your consent.
Depending on the context, your consent may be express, implied, or provided through your actions or settings, such as creating an account, completing a transaction, enabling device permissions, subscribing to marketing communications, or adjusting cookie preferences.
You may withdraw consent at any time, subject to legal or contractual restrictions and reasonable notice. If you withdraw consent required for us to provide core Services, certain features may no longer be available to you.
5. Cookies, Analytics, Measurement, and Similar Technologies
We may use cookies, pixels, tags, mobile identifiers, log data, software development kits, APIs, and similar technologies to operate our Services, remember preferences, understand how Users interact with our Services, improve performance, detect fraud or misuse, measure engagement, support platform security, and improve our products and services.
We may use tools such as Google Analytics, Google Tag Manager, Firebase, Meta technologies, TikTok technologies, email marketing tools, and similar analytics, measurement, performance, attribution, and product-improvement tools.
These tools may collect or receive information such as IP address, device information, browser information, app activity, website activity, referring URLs, pages viewed, links clicked, search activity, cookie identifiers, mobile identifiers, log data, and campaign attribution information.
Pixels, web beacons, and similar technologies may be used in our website, mobile applications, emails, or other communications to understand whether a specific action occurred, such as viewing a page, opening an email, clicking a link, signing up, or completing another action.
In our mobile applications, we may use SDKs, APIs, and similar mobile technologies to support app functionality, analytics, crash reporting, secure authentication, payments, messaging, push notifications, fraud prevention, platform security, and app performance.
Third-party analytics, measurement, and technology providers may collect or receive information from our Services and other websites or apps to provide analytics, measurement, attribution, fraud prevention, security, performance, and product-improvement services.
We may use aggregated, de-identified, or otherwise privacy-protective information to analyze trends, improve our Services, develop new features, support internal research, and improve automated tools or AI-enabled features.
We may use the following categories of technologies:
Strictly necessary technologies
These are required to operate the Services, enable security, process transactions, remember privacy choices, and provide core functionality.
Functional technologies
These help remember preferences and improve user experience.
Analytics and measurement technologies
These help us understand how Users interact with our website, mobile applications, emails, and Services, and help us improve performance, usability, and reliability.
Product-improvement technologies
These help us understand feature usage, identify technical issues, improve workflows, develop new features, and enhance the overall platform experience.
Where required by applicable law, we will obtain your consent before using non-essential analytics, measurement, profiling, or tracking technologies.
For Users in Quebec, and where otherwise required by law, we will request consent before activating technologies that identify, locate, profile, or track you for non-essential purposes.
You may manage your preferences through our cookie banner, cookie settings tool, browser settings, device settings, or other tools we make available.
6. When We Share Personal Information
We may disclose Personal Information in the following circumstances.
To other Users
LEND-IT.CA™ is a marketplace that allows Users to create listings, communicate with one another, and arrange rental transactions through the Services. As a result, certain information you choose to provide or make available through the Services may be visible to other Users, such as profile information, storefront information, item listings, item descriptions, photos, availability, reviews, ratings, messages you send, and other content you choose to post, upload, or share.
Where reasonably necessary to arrange, complete, support, or resolve a rental transaction, we may also make certain transaction-related information available to the relevant Borrower or Lender, such as pickup or delivery details, booking details, return instructions, transaction status, and information needed to address support, safety, dispute, damage, loss, theft, or non-return matters.
We do not disclose Personal Information to other Users unless it is provided or made available by you through the Services, is necessary to facilitate or support a transaction or platform function, or is otherwise permitted or required by law.
Users may not use another User’s Personal Information for any purpose other than communicating about, completing, supporting, or resolving a rental transaction through the Services.
To service providers
We may disclose Personal Information to service providers and vendors that help us operate our business and provide the Services, including providers of cloud hosting, data storage, payment processing, payout processing, fraud prevention, security, analytics, measurement, marketing tools, email, SMS/text messaging, customer support, location and mapping, market research, auditing, accounting, legal services, and other business operations.
We do not authorize our service providers to use Personal Information for purposes unrelated to providing services to us, except where permitted by law or with your consent.
To technology, analytics, and measurement providers
We may use third-party technology, analytics, and measurement providers to help us understand the performance of our Services, communications, campaigns, website activity, app activity, and platform engagement.
Where required by applicable law, these technologies will be used only with your consent.
To professional advisors
We may disclose Personal Information to lawyers, accountants, auditors, insurers, financial advisors, and other professional advisors where reasonably necessary for business, legal, compliance, accounting, insurance, or risk-management purposes.
For legal, safety, and compliance reasons
We may disclose Personal Information where required or permitted by law, including to courts, regulators, law enforcement, government authorities, payment networks, insurers, or other parties where necessary to comply with legal obligations, respond to lawful requests, enforce our agreements, prevent fraud, investigate misuse, protect safety, or protect our rights, property, Users, business, or platform.
In business transactions
If we are involved in a proposed or completed business transaction, such as a merger, acquisition, financing, reorganization, sale of assets, bankruptcy, or similar transaction, we may disclose or transfer Personal Information as part of that transaction, subject to applicable legal requirements.
Publicly shared information
Certain information you choose to make public may be visible to others, including profile information, storefront information, item listings, photos, reviews, ratings, and other content you post or authorize us to display publicly.
7. Cross-Border Transfers
We are based in Canada, but some of our service providers may store, process, or access Personal Information outside Canada, including in the United States or other jurisdictions.
When Personal Information is stored, processed, or accessed outside Canada, it may be subject to the laws of those jurisdictions, including lawful access by courts, law enforcement, regulators, or government authorities.
We use reasonable measures designed to protect Personal Information handled by our service providers, subject to applicable law.
8. How Long We Retain Personal Information
We retain Personal Information only as long as reasonably necessary for the purposes described in this Privacy Policy or as required or permitted by law.
To determine retention periods, we consider the type, amount, nature, and sensitivity of the Personal Information, the purposes for which it was collected, the status of your relationship with us, legal and regulatory requirements, limitation periods, dispute-resolution needs, fraud-prevention needs, safety and security needs, and our business recordkeeping obligations.
For example, we may retain account records, transaction records, payment records, tax records, communications, dispute records, claim records, fraud-prevention records, security logs, and legal records for as long as reasonably necessary.
If you close your account, we may retain certain Personal Information where necessary to comply with legal obligations, resolve disputes, prevent fraud or misuse, enforce our agreements, maintain business records, or protect the safety and integrity of the Services.
Where possible and appropriate, we may delete, de-identify, or aggregate Personal Information when we no longer require it.
9. How We Protect Personal Information
We use reasonable administrative, organizational, technical, and physical safeguards appropriate to the sensitivity of the Personal Information we process.
No method of transmission over the internet or method of electronic storage is completely secure. We cannot guarantee absolute security. You are also responsible for protecting your account credentials and using the Services safely.
If you believe your account or interaction with us is no longer secure, please contact us immediately.
10. Privacy Breaches
If we become aware of a privacy breach involving Personal Information, we will assess the incident and take steps required by applicable privacy laws.
This may include notifying affected individuals, privacy regulators, or other organizations where required by law.
11. Automated Tools, Profiling, and AI-Enabled Features
We may use automated tools, analytics, profiling, or AI-enabled features to help operate and improve the Services, detect fraud or misuse, personalize features, recommend content, rank search results, measure engagement, and support trust and safety.
We may use aggregated, de-identified, or otherwise privacy-protective information to support internal research, improve workflows, develop new features, and improve automated tools or AI-enabled features.
12. Your Privacy Rights and Choices
Subject to applicable law, you may have the right to:
- access the Personal Information we hold about you;
- request information about how we use and disclose your Personal Information;
- correct or update inaccurate or incomplete Personal Information;
- withdraw consent, subject to legal or contractual restrictions and reasonable notice;
- request deletion of certain Personal Information, subject to legal and operational limits;
- request information about automated decision-making, profiling, or tracking technologies where required by law;
- request portability of certain Personal Information where required by law; and
- make a privacy complaint to us or to an applicable privacy regulator.
We may need to verify your identity before responding to a request. We may refuse or limit a request where permitted or required by law, including where information must be retained for legal, security, fraud-prevention, dispute-resolution, tax, accounting, or platform-integrity purposes.
You may update certain account information directly through your account settings. For other privacy requests, contact us using the information in the “How to Contact Us” section below.
13. Marketing Communications
We may send you service-related communications, such as account notices, booking updates, payment notices, support messages, security alerts, and policy updates.
Where permitted by law, we may also send marketing communications. You may unsubscribe from marketing emails at any time using the unsubscribe link in the email or by contacting us.
Please note that even if you unsubscribe from marketing communications, we may still send you service-related communications.
14. Children and Minors
Our Services are not intended for individuals under the age of majority in their province or territory of residence.
For clarity, individuals under 18 are not permitted to use our Services. In provinces or territories where the age of majority is higher than 18, Users must meet the applicable age of majority requirement.
We do not knowingly collect Personal Information from individuals who are not permitted to use the Services. If a parent or legal guardian believes that we have collected Personal Information from someone who is not permitted to use the Services, please contact us.
15. Third-Party Websites and Services
Our Services may contain links to third-party websites, applications, platforms, or services that we do not control.
This Privacy Policy does not apply to the privacy practices of third parties. If you provide Personal Information to a third party, your information will be governed by that third party’s privacy policy and practices.
16. Privacy Responsibility
We have designated a Privacy Officer responsible for receiving and coordinating responses to privacy-related questions, requests, and complaints.
We take reasonable steps to protect Personal Information and to handle privacy requests in accordance with applicable privacy laws. As our business grows, we may update our internal privacy practices, procedures, and safeguards to reflect changes in our Services, legal requirements, and operations.
17. How to Contact Us
If you have questions, requests, or complaints about this Privacy Policy or our privacy practices, please contact:
Privacy Officer
Porticus Marketplace Inc. d/b/a LEND-IT.CA™
Email: info@lend-it.ca
Phone: 519-781-6757
Location: Ottawa, Ontario, Canada
If you are not satisfied with our response, you may contact the Office of the Privacy Commissioner of Canada or, where applicable, your provincial privacy regulator.
18. Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our Services, legal requirements, technology, or privacy practices.
When we update this Privacy Policy, we will post the revised version with a new “Last Updated” date.
Where changes are material, we will provide additional notice as required by applicable law. Where required by applicable law, we will obtain your consent before applying material new uses or disclosures of Personal Information.
Your continued use of our Services after any updates to this Policy constitutes your agreement and acceptance of this Policy as updated.