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: Torontotaxpayer
• Business address: 225 6 Ave SW, Calgary, AB T2P 3S9, Canada
• 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.

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.

7.3 Advertising (including Google AdSense)

We may display advertisements on the Website, including through Google AdSense and other advertising partners.
Third-party vendors (including Google) may use cookies or similar technologies to serve ads, including based on a user’s prior
visits to this Website or other websites.

Google uses advertising cookies to help serve ads it displays on the websites of its partners. Google’s advertising cookies
may enable Google and its partners to serve ads to you based on your visit to this Website and/or other websites.

Ad personalization controls / opt-out options

• Manage ad personalization via Google Ads Settings:
  https://adssettings.google.com/
• Opt out of certain interest-based ads via industry tools:
  https://optout.aboutads.info/

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.

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.