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Privacy Policy

[/fusion_text][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=””]Your privacy is important to A.M. Candaras Associates Inc. This Privacy Policy explains how A.M. Candaras Associates Inc collects, uses, discloses and retains personal information, including personal information collected by A.M. Candaras Associates Inc through its website, mobile app and telephone calls and when providing products or services.

1. Your Consent

By providing A.M. Candaras Associates Inc with your personal information, you consent to the collection, use, disclosure and retention of that information by A.M. Candaras Associates Inc in accordance with this Privacy Policy and as otherwise permitted by applicable law. You may withdraw your consent at any time, subject to legal or contractual restrictions and on reasonable notice to A.M. Candaras Associates Inc, but then you might not be able to proceed with your intended interactionsor transactions with A.M. Candaras Associates Inc or otherwise receive the full benefit of A.M. Candaras Associates Inc’s products and services.

2. Personal Information

In this Privacy Policy, “personal information” means information about an identifiable individual (e.g. an individual’s name, postal address, telephone number and email address) but does not include (to the extent permitted by law) information that is publicly available in a telephone directory or that is business contact information that enables an individual to be contacted at a place of business.

3. Information That A.M. Candaras Associates Inc Collects

  • Information You Provide

    You may be asked to voluntarily give your personal information to A.M. Candaras Associates Inc when you interact with A.M. Candaras Associates Inc, including when you apply for an account, subscribe to a newsletter, request information or use a product or service (including the mobile app) provided by A.M. Candaras Associates Inc. In those circumstances, you can choose not to provide certain requested personal information, but then you might not be able to proceed with your intended interaction or transaction with A.M. Candaras Associates Inc or otherwise receive the full benefit of the desired product or service.

    If you give A.M. Candaras Associates Inc the personal information of another individual in connection with your use of A.M. Candaras Associates Inc’s products or services, then you are solely responsible for complying with all applicable laws, including obtaining the individual’s valid consent, regarding your collection and disclosure of the personal information to A.M. Candaras Associates Inc and to A.M. Candaras Associates Inc’s use, disclosure and retention of the personal information.

  • Automated Collection

    A.M. Candaras Associates Inc may automatically collect certain information regarding your use of A.M. Candaras Associates Inc’s website or mobile app, such as the dates and times that you use the website or mobile app, the browsers, operating systems, software and devices that you use to use the website or mobile app and details of your use of the website or mobile app.

    If you install A.M. Candaras Associates Inc’s mobile app on your mobile device, then the settings of the device may permit the automatic transmission to A.M. Candaras Associates Inc of diagnostic information and other information (including location data, discussed in section 3.(c)) regarding your mobile device and your use of the mobile app.

    A.M. Candaras Associates Inc’s websites, mobile app, email messages and advertisements may use technologies(e.g. cookies, web beacons, tokens, pixels or tags) to collect information that assists A.M. Candaras Associates Inc to improve A.M. Candaras Associates Inc’s products, services, customer communications and advertising and to prevent fraud. A.M. Candaras Associates Inc may use information collected through technological means to recognize you as a user of A.M. Candaras Associates Inc’s mobile app, to facilitate and improve your use of A.M. Candaras Associates Inc’s mobile app, to confirm that messages have been delivered to and opened by you and to provide you with targeted advertisements.
    You may choose to decline or disable cookies if your web browser or device permits, but doing so may affect your ability to access or use certain features of the website or mobile app.

    Some of the information automatically collected by technological means is non-personal information (because the information does not identify you), and A.M. Candaras Associates Inc will deal with that non-personal information as explained below in this Privacy Policy unless applicable law requires otherwise.

  • Location Data

    A.M. Candaras Associates Inc’s mobile app installed on a mobile device may be configured to automatically collect precise location data, including the real-time geographic location of the mobile device, using various available technologies (including GPS, Bluetooth, Wi-Fi access points and cell tower locations), and transmit that data (either in real time or later when the device has required connectivity) to A.M. Candaras Associates Inc for use and disclosure as set out in this Privacy Policy.

    If you do not want a A.M. Candaras Associates Inc mobile app to access your device’s location data, then you might be able to use your devices settings to disable the transmission of location data but doing so might be a breach of the applicable terms of service or other agreements with A.M. Candaras Associates Inc and you might not be able to proceed with your intended interactions with A.M. Candaras Associates Inc or otherwise receive the full benefit of A.M. Candaras Associates Inc’s products and services.

    If the location data includes personal information, then A.M. Candaras Associates Inc will treat the location data as personal information in accordance with this Privacy Policy. If the location data does not include personal information or is depersonalized by A.M. Candaras Associates Inc, then A.M. Candaras Associates Inc will treat the location data as non-personal information in accordance with this Privacy Policy.

  • Information Regarding Referred Transactions

    If A.M. Candaras Associates Inc refers you to an independent business (e.g. a tax advisor or insurance provider) for a proposed product or service (e.g. tax advisory services or insurance), then A.M. Candaras Associates Inc may collect information from that independent business regarding the transaction.

4. How A.M. Candaras Associates Inc Uses Personal Information

  • General

    A.M. Candaras Associates Inc uses your personal information collected by A.M. Candaras Associates Inc for purposes relating to or arising from your relationship and transactions with A.M. Candaras Associates Inc and as otherwise set out in this Privacy Policy or permitted by applicable law, including

    • to administer your relationship with A.M. Candaras Associates Inc, including to create and manage a confidential profile about you and your contract(s) with us,and to contact and correspond with you regarding those matters
    • to provide products and services to you
    • to facilitate your interactions and transactions with A.M. Candaras Associates Inc, including to process your applications, requests, orders and transactions and send notifications to you
    • to process and respond to your inquiries, requests and other communications
    • to provide you with information (including by email and other electronic messages) regarding A.M. Candaras Associates Inc and its products and services and related products and services offered by other businesses, to the extent permitted by applicable law
    • to administer and facilitate your participation in contests and promotions related to A.M. Candaras Associates Inc
    • to improve A.M. Candaras Associates Inc’s products and services and to develop new products and services
    • to protect and enforce A.M. Candaras Associates Inc’s legal rights, interests and remedies and to protect the businesses, operations and customers of A.M. Candaras Associates Inc or other persons; and
    • to enable and assist A.M. Candaras Associates Inc to collect, use, disclose and retain your personal information in accordance with this Privacy Policy

    A.M. Candaras Associates Inc may combine your personal information collected by A.M. Candaras Associates Inc through various sources (including information collected through its mobile app).

  • A.M. Candaras Associates Inc

    A.M. Candaras Associates Inc may develop, maintain and share a confidential profile for you for to provide information, products and services to you, to facilitate your dealings with A.M. Candaras Associates Inc and as otherwise set out in this Privacy Policy.

  • Information Regarding Referred Transactions

    If A.M. Candaras Associates Inc refers you to an independent business (e.g. a tax advisor or insurance provider) for a proposed product or service (e.g. tax advisory services or insurance), then A.M. Candaras Associates Inc may collect information from that independent business regarding the transaction to administer your relationship with A.M. Candaras Associates Inc, including to create and manage a confidential profile about you, and to provide products and services to you, as set out in this Privacy Policy.

5. How A.M. Candaras Associates Inc Discloses Personal Information

  • General

    A.M. Candaras Associates Inc discloses your personal information for purposes relating to or arising from your relationship and transactions with A.M. Candaras Associates Inc and as otherwise set out in this Privacy Policy or permitted by applicable law.

  • Specific Consents

    A.M. Candaras Associates Inc may disclose your personal information in accordance with express or implied consents that you give during your interactions and transactions with A.M. Candaras Associates Inc.

  • Referred Transactions

    If A.M. Candaras Associates Inc refers you to an independent business (e.g. a tax advisor or insurance provider) for a proposed product or service (e.g. tax advisory services or insurance), then A.M. Candaras Associates Inc may disclosure your personal information to the independent business to facilitate the proposed transaction, and in those circumstances A.M. Candaras Associates Inc has no control over, or responsibility or liability for, the use, disclosure or retention of your personal information by the independent business, and the use, disclosure and retention of the disclosed information by the independent business is not subject to this Privacy Policy.

  • Suppliers and Service Providers

    A.M. Candaras Associates Inc may disclose your personal information to A.M. Candaras Associates Inc’s suppliers and service providers (including mobile app developers) to assist A.M. Candaras Associates Inc in the provision of information, products and services to you, to provide services to A.M. Candaras Associates Inc, to assist A.M. Candaras Associates Inc to use your personal information as set out in this Privacy Policy and as otherwise permitted by applicable law.

  • Law Enforcement/Legal Disclosures

    A.M. Candaras Associates Inc may disclose your personal information as required or authorized by applicable law, including to comply with a subpoena, warrant or court or arbitral order or litigation disclosure obligation. A.M. Candaras Associates Inc may disclose your personal information to law enforcement agencies or other independent organizations if A.M. Candaras Associates Inc reasonably believes the disclosure is necessary or appropriate in connection with national security, law enforcement or other issues of public importance, or if A.M. Candaras Associates Inc reasonably believes the disclosure is necessary or appropriate to protect and enforce the A.M. Candaras Associates Inc’s legal rights, interests and remedies or to protect the rights, interests,business, operationsor customers of A.M. Candaras Associates Inc or other persons (including to detect and prevent fraud and other illegal activities, enforce any of the terms of use, terms of service or other agreements that govern access to or use of any of the A.M. Candaras Associates Inc’s products or services). A.M. Candaras Associates Inc has no control over, or responsibility or liability for, the use, disclosure or retention of your personal information by the agencies, independent organizations or other persons to whom A.M. Candaras Associates Inc discloses the information in the foregoing circumstances, and the use, disclosure and retention of the disclosed information by those agencies, independent organizations or other persons is not subject to this Privacy Policy.

  • Business Transactions

    A.M. Candaras Associates Inc may disclose your personal information in connection with a proposed or actual business transaction in which A.M. Candaras Associates Inc is involved (e.g.a corporate amalgamation, reorganization, merger or acquisition, or the sale or transfer of some or all of A.M. Candaras Associates Inc’s business or assets), but A.M. Candaras Associates Inc will require the information recipient to agree to protect the privacy of your personal information in a manner that is consistent with this Privacy Policy and applicable law.

6. Location of Personal Information

A.M. Candaras Associates Inc and its service providers may process, store and use your personal information at facilities in various countries, including Canada, the United States of America and one or more countries in Europe or Asia. The personal information protection laws of those other countries might be different from the laws of the jurisdiction in which you reside, and might permit courts, government, law enforcement agencies, regulatory agencies and security authorities to access your personal information without notice. By providing your personal information to A.M. Candaras Associates Inc, you consent to the transfer of the personal information to facilities located in other countries and the processing and storage of the personal information at those facilities.

7. Retention of Personal Information

A.M. Candaras Associates Inc retains your personal information for the period reasonably necessary for the purposes set out or referenced in this Privacy Policy and to comply with A.M. Candaras Associates Inc’s legal obligations or enforce or protect A.M. Candaras Associates Inc’s legal rights, or a longer period required or permitted by applicable law. A.M. Candaras Associates Inc will delete or dispose of your personal information, or depersonalize the information, when A.M. Candaras Associates Inc is no longer reasonably required to retain the personal information for the purposes set out or referenced in this Privacy Policy.

8. Protection of Personal Information

A.M. Candaras Associates Inc uses reasonable safeguards – including administrative, physical and technical security and safeguarding measures– appropriate to the sensitivity of the personal information in A.M. Candaras Associates Inc’s possession or under A.M. Candaras Associates Inc’s control to help protect the information from unauthorized access, collection, use, disclosure, deletion or similar risks. Nevertheless, security risks cannot be eliminated and A.M. Candaras Associates Inc cannot guarantee that your personal information will not be accessed, used, disclosed or deleted in ways not otherwise described in this Privacy Policy.

9. Accuracy and Access to Personal Information

A.M. Candaras Associates Inc will rely on you to ensure that the personal information that you provide to A.M. Candaras Associates Inc is as accurate, complete and up to date as necessary for the purposes for which A.M. Candaras Associates Inc uses the personal information. You will promptly notify A.M. Candaras Associates Inc of any changes to the personal information that you provide to A.M. Candaras Associates Inc using the procedures made available for that purpose by A.M. Candaras Associates Inc or by contacting A.M. Candaras Associates Inc’s Privacy Officer by email to office@amcai.com, by phone at (905) 850-8020 or by mail to Privacy Officer, A.M. Candaras Associates Inc, 8551 Weston Rd, Woodbridge, ON L4L 9R4

You may reasonably request access to your personal information collected by A.M. Candaras Associates Inc and information about A.M. Candaras Associates Inc’s use, disclosure and retention of that personal information by submitting a written request to A.M. Candaras Associates Inc’s Privacy Officer using the contact information noted above and at the end of this Privacy Policy. Subject to applicable exceptions and limitations prescribed by applicable law, you will be given reasonable access to your personal information and you will be entitled to verify the accuracy and completeness of your personal information and to have the information revised as appropriate. You may be required to pay a reasonable fee for access to your personal information. A.M. Candaras Associates Inc may decline to process a request that is unreasonably repetitive, frivolous, vexatious or impracticable, that infringes or jeopardizes the privacy of other persons, or for other reasons permitted by applicable law.

10. Non-Personal Information

A.M. Candaras Associates Inc creates and collects non-personal information (information that is not about an identifiable individual), including personal information that has been aggregated or otherwise depersonalized so that the information no longer relates to an identifiable individual. A.M. Candaras Associates Inc may use, disclose, transfer and retain non-personal information for any purpose and in any manner whatsoever.If non-personal information is combined with personal information, then A.M. Candaras Associates Inc will treat the combined non-personal information as personal information for the purposes of this Privacy Policy for as long as the non-personal information is combined with personal information.

11. Other Websites and Businesses

A.M. Candaras Associates Inc’s website and correspondence (including emails, messages and social media posts) may include advertisements for products and services offered by independent businesses or links to websites operated by independent businesses. A.M. Candaras Associates Inc has no responsibility or liability for, or control over, those other websites, online services or businesses, their products or services, or their collection, use, disclosure or retention of your personal information. This Privacy Policy does not apply to the collection, use, disclosure and retention of your personal information by those websites, online services and independent businesses. If you have questions about how those websites, online services or independent businesses collect, use, disclose or retain personal information, please contact the owner or operator of the website, service or business.

12. Other Matters

  • App Store Operators:

    If you wish to obtain a copy of A.M. Candaras Associates Inc’s mobile app from an online app store operated by an unaffiliated third party (such as Apple and Google), then you will be required to disclose your personal information to the app store operator in order to download a copy of the mobile app. A.M. Candaras Associates Inc has no control over, or responsibility or liability for, the collection, use, disclosure,retention and deletion of your personal information by any app store operator. Each app store operator’s use, disclosure, retention and deletion of your personal information are governed by the app store operator’s own privacy policy (not this Privacy Policy).

  • Disclaimers, Liability Exclusions/Limitations and Disputes:

    The agreements (including any application formor terms of service or use) that you accept when you apply, register for, order or use A.M. Candaras Associates Inc’s products or services contain important provisions, including provisions disclaiming, limiting or excluding the liability of A.M. Candaras Associates Inc and other persons (including service providers) and provisions determining the applicable law and jurisdiction for the resolution of disputes. To the extent permitted by applicable law, each of those provisions applies to any dispute that may arise in relation to this Privacy Policy or A.M. Candaras Associates Inc’s collection, use, disclosure and retention of your personal information, and are of the same force and effect as if they were reproduced directly in this Privacy Policy. Nothing in this Privacy Policy amends any of those other agreements.

  • Changes to this Policy:

    A.M. Candaras Associates Inc may change this Privacy Policy as it applies to A.M. Candaras Associates Inc from time to time by posting a new version of this Privacy Policy on A.M. Candaras Associates Inc’s website. A.M. Candaras Associates Inc’s collection, use, disclosure and retention of your personal information will be governed by the version of this Privacy Policy in effect at that time. Your continued dealings with A.M. Candaras Associates Inc after any change to this Privacy Policy will signify your consent to the collection, use, disclosure and retention of your personal information as set out in the changed Privacy Policy. Accordingly, you should check the “Last Updated” date of this Privacy Policy (at the top of this Privacy Policy) and review any changes since the last version.

  • English Language:

    You and A.M. Candaras Associates Inc have each expressly requested and required that this Privacy Policy and all other related documents be drawn up in the English language. Les parties conviennent etexigent expressement quecette Politiquede Confidentialité ettousles documents quis’y rapportent soient rédigés en anglais.

  • Contacting A.M. Candaras Associates Inc’s Chief Privacy Officer:

    If you have any comments or questions about this Privacy Policy or how A.M. Candaras Associates Inc deals with your personal information, please contact A.M. Candaras Associates Inc’s Privacy Officer by email to office@amcai.com, by phone at (905) 850-8020 or by mail to Privacy Officer, A.M. Candaras Associates Inc, 8551 Weston Rd, Woodbridge, ON L4L 9R4.

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