Terms and Conditions

The privacy and security of personal information is very important to Canadian Tax Enthusiast Inc. and its affiliates (“Canadian Tax Enthusiast”). It is Canadian Tax Enthusiast’s policy to protect and respect the privacy of personal information in accordance with applicable privacy laws. This Privacy Policy explains Canadian Tax Enthusiast’s privacy and security practices with respect to all personal information in the possession and control of Canadian Tax Enthusiast, and may be supplemented by specific policies, procedures, and practices. 

Note to Residents of the European Union, Mexico and California: In order to comply with the requirements of applicable privacy laws, this Privacy Policy outlines the legal basis on which Canadian Tax Enthusiast processes your personal data (also referred to as personal information herein). Please see the relevant sections below for additional information as required by applicable laws. 

Who Does This Policy Apply to?

This Privacy Policy applies to the following Canadian Tax Enthusiast companies and websites:

Company Name	Website
Canadian Tax Enthusiast	https://www.canadiantaxcommunity.ca
Canadian Tax Enthusiast	https://samcao.ca/
Canadian Tax Enthusiast	taxforcanadians.ca
Canadian Tax Enthusiast	canadiantaxenthusiast.com

Why does Canadian Tax Enthusiast collect personal information?

Canadian Tax Enthusiast may, directly or through its third party service providers, collect personal information for the following purposes:

• To administer, plan, and manage the relationship with individuals and to communicate with individuals;
• To provide individuals with requested information, products, and/or services;
• To better understand how Canadian Tax Enthusiast may improve its products and services, to develop and conduct its business and operations, and for other internal business purposes; 
• To provide individuals with information on current and future products and services or other developments with respect to Canadian Tax Enthusiast and its partners (in accordance with Canada’s Anti-Spam Legislation – see below); 
• To comply with applicable legal and regulatory requirements or to protect Canadian Tax Enthusiast’s legal rights and property; and
• To create and manage accounts for users who subscribe to Canadian Tax Enthusiast’s content portal known as Canadian Tax Community;

(collectively, the “Authorized Purposes”).

The type of information that Canadian Tax Enthusiast may collect from individuals, whether directly or through its third party service providers, includes, for example, name, email address, address, phone number, credit card information, and other information individuals choose to provide.

Canadian Tax Enthusiast may, whether directly or through its third party service providers, collect personal information for other purposes where Canadian Tax Enthusiast has a legal duty or right to do so or where Canadian Tax Enthusiast has a good faith belief that it is necessary to protect the property or rights of Canadian Tax Enthusiast. 

Canadian Tax Enthusiast does not collect personal information for any other purposes, unless it has the consent of the individual to whom it relates.

How does Canadian Tax Enthusiast collect personal information?

Canadian Tax Enthusiast only collects personal information about an individual with the individual’s knowledge and consent. Generally, this means that personal information is collected directly from the individual to whom it relates, whether via Canadian Tax Enthusiast’s website, e-mail, telephone, fax, in person, or through use of or engagement on Canadian Tax Community. Occasionally, Canadian Tax Enthusiast may collect personal information from third party sources, but only with the knowledge and consent of the individual or where otherwise authorized by law.

Visitors to Canadian Tax Enthusiast’s website should also be aware that anonymous technical information may be collected by Canadian Tax Enthusiast, directly or through its third party service providers, as a result of a visit to Canadian Tax Enthusiast’s website. For example, this information may include the visitor’s IP address, browser type, operating system, domain name, access times and referring website addresses. Canadian Tax Enthusiast uses this anonymous technical information for purposes such as diagnosing problems with Canadian Tax Enthusiast’s servers, improving the operation and content of Canadian Tax Enthusiast’s websites and compiling aggregate and statistical information.

Canadian Tax Enthusiast will not attempt to link or match such anonymous technical information with any personally-identifiable information unless Canadian Tax Enthusiast has an individual’s consent, Canadian Tax Enthusiast (or its third party service providers) have detected or reasonably suspect any unlawful use of Canadian Tax Enthusiast’s services or a security breach, or Canadian Tax Enthusiast has a legal duty or right to do so.

Canadian Tax Enthusiast may use “cookies” on its website. “Cookies” are small text files placed on computers that can collect and store a variety of information. Permanent cookies are stored indefinitely on a user’s hard drive unless manually deleted, while temporary cookies are automatically deleted from the user’s browser upon logging out of a website. Web browsers typically allow users to disable permanent and/or temporary cookies.

     Please note that Canadian Tax Enthusiast uses the following analytics tools: Google Analytics, WordPress Analytics Plugins, such as Automattic Inc.’s Jetpack Stats, and Hotjar. 

• For more information about how Google collects, uses, and processes data, please see: http://www.google.com/policies/privacy/partners/. 
• For more information about how Automattic Inc. collects, uses, and processes data, please see: https://automattic.com/privacy/?utm_medium=automattic_referred&utm_source=jpcom_footer.
• For more information about how HotJar collects, uses, and processes data, please see: https://www.hotjar.com/legal/policies/privacy/.

When does Canadian Tax Enthusiast use or disclose personal information?

Canadian Tax Enthusiast only uses or discloses personal information as reasonably required to facilitate the Authorized Purposes listed above. 

In some cases, Canadian Tax Enthusiast may share personal information with third party service providers performing functions on Canadian Tax Enthusiast’s behalf, including, for example, vendors that provide information technology services or provide analytics or assessment services. 

Canadian Tax Enthusiast has a close working relationship between its affiliated companies (please see list above). Personal information may be shared between these organizations to facilitate the Authorized Purposes listed above in accordance with this Privacy Policy.

Canadian Tax Enthusiast does not otherwise use or disclose personal information unless Canadian Tax Enthusiast has an individual’s consent, Canadian Tax Enthusiast has a good faith belief that disclosure of the information is necessary to protect its rights or property, or Canadian Tax Enthusiast has a legal duty or right to do so.

Canadian Tax Enthusiast does not rent, sell or trade customer lists or other personal information.   

Consent – Is there a choice?

Individuals provide their consent to the collection, use, and disclosure of personal information by Canadian Tax Enthusiast, whether directly or through its third party service providers, when they provide their information to Canadian Tax Enthusiast or use its products or services or register for, use, or engage with others on Canadian Tax Community.

Individuals can deny or withdraw their consent to Canadian Tax Enthusiast’s collection, use and disclosure of their personal information at any time upon reasonable notice, subject to any legal or contractual requirements. However, if consent is denied or withdrawn, Canadian Tax Enthusiast may not be able to provide certain products or services.

Canadian Tax Enthusiast may use personal information to inform individuals of current and/or new products or services or other developments that Canadian Tax Enthusiast or its partners believe will be of interest to individuals in accordance with applicable laws including Canada’s Anti-Spam Legislation. Such communications may be made by way of direct messaging via Canadian Tax Community or e-mail. Individuals provide their consent to Canadian Tax Enthusiast and its partners contacting them in this manner when they use Canadian Tax Enthusiast’s products or services. Individuals may opt-out of receiving e-mail communications by unsubscribing using the applicable link contained in the e-mails. Individuals may opt-out of receiving direct messages on Canadian Tax Community by unsubscribing from Canadian Tax Community.

How does Canadian Tax Enthusiast protect the security of personal information?

Canadian Tax Enthusiast has in place reasonable policies, procedures and safeguards (including physical, technological and organizational measures) designed to protect the security of personal information under its control. 

The protection of personal information is of paramount concern to Canadian Tax Enthusiast, and Canadian Tax Enthusiast is prepared to take appropriate and timely steps in the event of any incidents involving personal information in accordance with applicable privacy laws.

Canadian Tax Enthusiast makes every reasonable effort to ensure that personal information is accurate and complete. This may involve requesting further information or updates from individuals. Canadian Tax Enthusiast relies on individuals to notify Canadian Tax Enthusiast if there is a change to their personal information that may affect their relationship with Canadian Tax Enthusiast.

Canadian Tax Enthusiast retains personal information only as long as is reasonable to fulfill the purposes for which the information was collected, or for legal or business purposes.

Does Canadian Tax Enthusiast provide access to personal information?

Canadian Tax Enthusiast will provide individuals with access to the personal information Canadian Tax Enthusiast holds about them in accordance with applicable laws. Canadian Tax Enthusiast reserves the right to require that any request for access to personal information be made in writing. Generally, there is no cost for such access. However, Canadian Tax Enthusiast reserves the right to charge such costs on a case by case basis in accordance with applicable laws. The individual will be notified in advance if charges apply.

Canadian Tax Enthusiast will correct or amend the personal information in its files where it can be shown that the information is incorrect or incomplete. 

Storage and Processing

Canadian Tax Enthusiast will store the personal information on its internal servers and/or with its third party service providers. 

Canadian Tax Enthusiast’s third party service providers may store and/or process personal information outside of Canada (including in the United States of America and Mexico). When information is stored or processed outside of Canada, it may be subject to the laws of and be accessible by legal authorities in such other jurisdictions. Canadian Tax Enthusiast has taken appropriate technical, organizational, and legal steps to secure this information.

Contact Canadian Tax Enthusiast 

For further information about Canadian Tax Enthusiast’s privacy practices, to make a request for access to personal information to exercise any other rights outlined in this Privacy Policy, please contact Canadian Tax Enthusiast’s Privacy Officer at the following address:

Sam Cao: [email protected]

The foregoing policy is effective as of October 1, 2024. Canadian Tax Enthusiast reserves the right to change this Privacy Policy at any time in accordance with applicable laws – please check our website for updates to this Privacy Policy.

Additional Information For Residents of European Union

The following information is provided for European users who may access Canadian Tax Enthusiast’s websites. However, please note that Canadian Tax Enthusiast does not do business in and generally does not collect information from residents of the European Union except incidentally as part of their website visits. 

The European General Data Protection Regulation (GDPR) sets out obligations and rights with respect to the personal data of residents of the European Union. Canadian Tax Enthusiast is committed to ensuring that it complies with the requirements of the GDPR. As such, this section outlines additional information relevant to residents of the European Union only. Please see the remainder of Canadian Tax Enthusiast’s Privacy Policy for more information on our privacy practices. 

Your Rights relating to your Personal Data

Subject to some exceptions, the GDPR provides you with the following rights:

1. Right of access: You have the right to information about whether and why we process your personal data and related information (for example, what personal data we are processing). 
2. Right of rectification: You have the right to correct any inaccurate or incomplete personal data that we hold about you.
3. Right to erasure: You have the right to ask us to delete personal data that we hold about you.
4. Right to restrict or object to processing: You have the right to ask us to limit or stop our processing of your personal data in certain cases (for example, if the personal data we are processing about you is inaccurate or is for direct marketing purposes).
5. Right to data portability: You have the right to ask us for a copy of personal data we hold about you and to transfer such data to another entity.
6. Right to complain: We encourage you to contact us at the contact information above if you have any questions or concerns with our personal data practices. However, you also have the right to complain to regulatory authorities in your jurisdiction. Please contact us at the contact information below if you need information about the appropriate authority.

You may exercise these rights or find out more about these rights by contacting Canadian Tax Enthusiast at the contact information listed above. 

Retention and Storage of Personal Data

Canadian Tax Enthusiast is based in Canada and processes personal data in Canada. The European Commission recognizes Canada as providing an adequate level of protection for personal data. Canadian Tax Enthusiast’s service providers may process your personal information outside of Canada (please see above). When your information is processed outside of the European Union, it may be subject to the laws of and be accessible by legal authorities in such other jurisdictions. Canadian Tax Enthusiast has taken appropriate technical, organizational, and legal steps to secure this information.

Additional Information For Residents of mexico

The Ley Federal de Protección de Datos Personales en Posesión de Particulares (Federal Law for the Protection of Personal Data Held by Private Entities) and its associated regulations (Mexico Federal Privacy Law) sets out obligations and rights with respect to personal data of Mexican residents. Canadian Tax Enthusiast is committed to ensuring that it complies with the requirements of the Mexico Federal Privacy Law. As such, this section outlines additional information relevant only to individuals accessing our services in Mexico. Please see the remainder of Canadian Tax Enthusiast’s Privacy Policy for more information on our privacy practices.

Your Rights relating to your Personal Data

In accordance with the Mexico Federal Privacy Law, you have, at all times, the right to access, rectify and cancel your personal data, as well as to oppose the treatment thereof or to revoke your consent (ARCO Rights), through the procedures we have implemented for this purpose.

To exercise your ARCO Rights, please contact Canadian Tax Enthusiast’s Privacy Officer at the address set out above. 

Sensitive Information

Canadian Tax Enthusiast does not process sensitive personal data.

International Transfer

Canadian Tax Enthusiast is based in Canada and processes personal data in Canada. Canadian Tax Enthusiast’s service providers may process your personal information outside of Canada (please see above). When your information is processed outside of Mexico, it may be subject to the laws of and be accessible by legal authorities in such other jurisdictions. Canadian Tax Enthusiast has taken appropriate technical, organizational, and legal steps to secure this information.

Additional Information For Residents of California

The California Consumer Protection Act of 2018 (CCPA) sets out obligations and rights with respect to the personal information of California consumers. Canadian Tax Enthusiast is committed to ensuring that it complies with the requirements of the CCPA. As such, this section outlines additional information relevant only to individual’s accessing our services in California. Please see the remainder of Canadian Tax Enthusiast’s Privacy Policy for more information on our privacy practices.

Your Rights relating to personal information

Subject to some exceptions, the CCPA provides you with the following rights:

1. The right to know: You have the right to request that Canadian Tax Enthusiast disclose what personal information is collected, used, shared or sold, both as to the categories and specific pieces of personal information.
2. The right to opt-out: You have the right to say “no” to the sale of your personal information. Please note that Canadian Tax Enthusiast does not sell or trade personal information.
3. The right to delete: You have the right to request the deletion of your personal information held by Canadian Tax Enthusiast and by extension Canadian Tax Enthusiast’s third party service providers.
4. The right to non-discrimination: Canadian Tax Enthusiast is prohibited from discriminating against you in terms of price or service if you choose to exercise a privacy right under the CCPA.

Categories of personal information Canadian Tax Enthusiast collects

Canadian Tax Enthusiast has collected the following categories of personal information in the last twelve (12) months:

Category	Examples
Identifiers	A real name, alias, postal address, unique personal identifier, online identifier, internet protocol address, email address, account name, social security number, driver’s license number, passport number, or other similar identifier.
Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e))	A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.
Protected classification characteristics under California or federal law	Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).

Categories of personal information Canadian Tax Enthusiast has disclosed for business purposes

Canadian Tax Enthusiast has disclosed the following categories of personal information for business purposes listed below in the last twelve (12) months: Identifiers, personal information categories listed in Cal. Civ. Code § 1798.80(e)), and protected classification characteristics under California or federal law. 

(1) Auditing related to a current interaction with the consumer and concurrent transactions, including, but not limited to, counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards.

(2) Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity.

(3) Debugging to identify and repair errors that impair existing intended functionality.

(4) Short-term, transient use, provided that the personal information is not disclosed to another third party and is not used to build a profile about a consumer or otherwise alter an individual consumer’s experience outside the current interaction, including, but not limited to, the contextual customization of ads shown as part of the same interaction.

(5) Performing services on behalf of the business or service provider, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing advertising or marketing services, providing analytic services, or providing similar services on behalf of the business or service provider.

(6) Undertaking internal research for technological development and demonstration.

(7) Undertaking activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by Canadian Tax Enthusiast, and to improve, upgrade, or enhance the service or device that is owned, manufactured, manufactured for, or controlled by the Canadian Tax Enthusiast.

Categories of personal information Canadian Tax Enthusiast has sold

Canadian Tax Enthusiast does not sell personal information.