Privacy Policy

1) Introduction

This Privacy Policy explains how TorontoTaxpayer.ca (“TorontoTaxpayer,” “we,” “us,” or “our”) collects, uses,
discloses, and safeguards information when you visit or interact with https://torontotaxpayer.ca (the “Website”).

If you do not agree with this Privacy Policy, please do not use the Website.

2) Who We Are (Controller / Organization)

• Website: https://torontotaxpayer.ca
• Organization/Owner: Toronto Taxpayer
• Business address: 181 Bay St., Toronto, M5J 2T3 ON,  (Coworking Space)
• Email (Privacy inquiries): [email protected]
• General contact: [email protected]

We designate a Privacy Officer to oversee compliance and respond to requests. Contact details are in Section 16.

3) Scope

This Privacy Policy applies to information collected through the Website, including:

• Pages, articles, tools, and calculators made available on the Website;
• Contact forms, newsletter sign-up forms, and communications you send to us;
• Cookies and similar technologies used on the Website.

This Privacy Policy does not apply to third-party websites, services, or platforms that may be linked from our Website.

4) Definitions

• Personal Information means information about an identifiable individual, or information that can be reasonably linked to an individual.
• Non-Personal Information means information that does not identify you directly and cannot reasonably be used to identify you.
• Service Providers means third parties that perform services on our behalf (e.g., hosting, analytics, email delivery).
• Cookies are small text files placed on your device to remember preferences and support analytics/advertising functions.

5) Information We Collect

5.1 Information you provide to us

• Contact information (such as your name, email address, phone number) when you submit a form or contact us;
• Message content and attachments you choose to send to us;
• Newsletter information (email address and preferences) if you subscribe;
• Other information you voluntarily provide (for example, if you request a response or quote).

You are responsible for ensuring that information you provide is accurate and does not include sensitive data you do not want to share.

5.2 Information collected automatically

• Device and browser data (device type, operating system, browser type, language settings);
• Usage data (pages viewed, links clicked, time spent, referring/exit pages);
• Log data (approximate location inferred from IP address, timestamps, error logs);
• Cookie identifiers and similar online identifiers.

5.3 Information from third parties

We may receive limited information from third-party services you interact with (for example, analytics or advertising providers),
typically in aggregated or pseudonymous form.

6) How We Use Information

• To operate and maintain the Website and its features;
• To provide content and improve relevance, readability, and navigation;
• To respond to your inquiries and provide customer/support communications;
• To send newsletters or updates you request (you may unsubscribe at any time);
• To measure performance and understand how visitors use the Website (analytics);
• To serve and measure advertising and limit ad fraud (including interest-based ads where enabled);
• To protect the Website, our users, and our rights (security, fraud prevention, debugging);
• To comply with legal obligations and respond to lawful requests.

7) Cookies, Analytics, and Advertising

7.1 Cookies and similar technologies

We use cookies and similar technologies (such as tags, pixels, and local storage) to keep the Website functional,
remember preferences, understand traffic and usage trends, and support advertising and measurement.

You can control cookies through your browser settings. Disabling cookies may affect Website functionality.

Managing your cookie consent: If you are located in the European Economic Area (EEA) or the UK, we request your consent to use cookies for personalized advertising via a Google-certified Consent Management Platform (CMP). You can review or revoke your consent at any time by interacting with the cookie consent banner or by clicking the “Manage Consent” link at the bottom of our Website.

7.2 Analytics

We may use analytics services to help us understand traffic and how the Website is used. These providers may set cookies
and collect information about your device and browsing activity on the Website.

You can opt out of having your activity on the Website made available to Google Analytics by installing the Google Analytics opt-out browser add-on, available here: https://tools.google.com/dlpage/gaoptout.

7.3 Advertising (Google AdSense and Third-Party Ad Networks) We use Google AdSense and other third-party advertising companies to serve ads when you visit our Website.

• Third-party vendors, including Google, use cookies to serve ads based on a user’s prior visits to this Website or other websites.
• Google’s use of advertising cookies enables it and its partners to serve ads to our users based on their visit to this Website and/or other sites on the Internet.
• Users may opt out of personalized advertising by visiting Google Ads Settings.
• Alternatively, you can opt out of a third-party vendor’s use of cookies for personalized advertising by visiting www.aboutads.info.

Third-Party Ad Networks: We may also allow other third-party ad servers or ad networks to display advertisements on the Website. You may visit those third-party websites to opt out of the use of cookies for personalized advertising (if the vendor or ad network offers this capability).

7.4 Do Not Track

Some browsers offer a “Do Not Track” (“DNT”) setting. The Website may not respond to DNT signals consistently because there is no
universally adopted industry standard for DNT responses.

8) When We Share or Disclose Information

• Service Providers: With vendors who help us operate the Website (hosting, analytics, email delivery, security, advertising, performance monitoring). These providers are authorized to use information only as needed to provide services to us.
• Legal compliance: To comply with applicable law, regulation, legal process, or lawful government request.
• Protection and security: To enforce our policies, protect our rights, investigate fraud or security issues, and prevent harm.
• Business transfers: In connection with a merger, acquisition, financing, reorganization, or sale of assets (subject to appropriate confidentiality protections).

We do not sell your Personal Information as a standalone dataset.

9) International Transfers

Your information may be processed, stored, or accessed in jurisdictions outside your province or outside Canada, depending on where our
Service Providers operate. Laws in those jurisdictions may differ from Canadian privacy laws, and information may be subject to lawful
access requests by courts, law enforcement, or other authorities.

10) Security Safeguards

We maintain reasonable administrative, technical, and physical safeguards designed to protect information against loss, theft,
unauthorized access, disclosure, copying, use, or modification.

No method of transmission over the Internet or method of electronic storage is completely secure, and we cannot guarantee absolute security.

11) Data Retention

We retain Personal Information only as long as necessary for the purposes described in this Privacy Policy, unless a longer retention
period is required or permitted by law.

We may retain and use aggregated or de-identified information for analytics and business purposes.

12) Your Rights and Choices

Depending on your jurisdiction and subject to applicable law, you may have the right to request access to your Personal Information we hold,
request correction of inaccurate or incomplete Personal Information, and withdraw consent (where processing is based on consent), subject to
legal or contractual restrictions and reasonable notice.

To make a request, contact us as described in Section 16. We may need to verify your identity before responding.

Notice to US Residents (CCPA/CPRA): Under the California Consumer Privacy Act and similar US state laws, the use of third-party cookies for personalized advertising may be considered a “sale” or “sharing” of personal information. You have the right to opt out of the sale or sharing of your personal information. To do so, please manage your preferences via our cookie consent tool or visit optout.aboutads.info. We do not otherwise sell personal information for monetary value.

13) Children’s Privacy

The Website is intended for a general audience and is not directed to children. We do not knowingly collect Personal Information from children.
If you believe a child has provided us with Personal Information, contact us and we will take appropriate steps to delete it.

14) Third-Party Links

The Website may contain links to third-party websites. We are not responsible for the privacy practices of those third parties.
We encourage you to review their privacy policies before providing information.

15) Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The “Last updated” date at the top indicates when changes were made.
If we make material changes, we may provide additional notice on the Website.

Your continued use of the Website after changes become effective means you accept the updated Privacy Policy.

16) Contact Us (Privacy Officer)

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, contact our Privacy Officer:

17) Important Disclaimers (Responsibility)

17.1 No professional advice

Content on the Website is provided for general informational purposes only and is not legal, accounting, or tax advice.
You should not act or refrain from acting based on any information on the Website without seeking appropriate professional advice tailored to your situation.

17.2 Limitation of responsibility

To the maximum extent permitted by law, we disclaim liability for damages arising from your use of, or reliance on, the Website,
including where information is incomplete, outdated, or contains errors.