Privacy policy

Your privacy is important to Panopticon solutions. This privacy policy explains how Panopticon solutions collects, uses, discloses and retains personal information, including personal information collected by Panopticon solutions through its website, mobile app and telephone calls and when providing products or services.

1. Your consent

By providing Panopticon solutions with your personal information, you consent to the collection, use, disclosure and retention of that information by Panopticon solutions 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 Panopticon solutions, but then you might not be able to proceed with your intended interactionsor transactions with Panopticon solutions or otherwise receive the full benefit of Panopticon solutions’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 panopticon solutions collects

• Information you provide

  You may be asked to voluntarily give your personal information to Panopticon solutions when you interact with Panopticon solutions, 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 Panopticon solutions. 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 Panopticon solutions or otherwise receive the full benefit of the desired product or service.

  If you give Panopticon solutions the personal information of another individual in connection with your use of Panopticon solutions’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 Panopticon solutions and to Panopticon solutions’s use, disclosure and retention of the personal information.

• Automated collection

  Panopticon solutions may automatically collect certain information regarding your use of Panopticon solutions’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 Panopticon solutions’s mobile app on your mobile device, then the settings of the device may permit the automatic transmission to Panopticon solutions 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.

  Panopticon solutions’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 Panopticon solutions to improve Panopticon solutions’s products, services, customer communications and advertising and to prevent fraud. Panopticon solutions may use information collected through technological means to recognize you as a user of Panopticon solutions’s mobile app, to facilitate and improve your use of Panopticon solutions’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 Panopticon solutions will deal with that non-personal information as explained below in this Privacy Policy unless applicable law requires otherwise.

• Location data

  Panopticon solutions’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 Panopticon solutions for use and disclosure as set out in this privacy policy.

  If you do not want a Panopticon solutions 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 Panopticon solutions and you might not be able to proceed with your intended interactions with Panopticon solutions or otherwise receive the full benefit of Panopticon solutions’s products and services.

  If the location data includes personal information, then Panopticon solutions 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 Panopticon solutions, then Panopticon solutions will treat the location data as non-personal information in accordance with this Privacy Policy.

• Information regarding referred transactions

  If Panopticon solutions 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 Panopticon solutions may collect information from that independent business regarding the transaction.

4. How Panopticon solutions uses personal information

• General

  Panopticon solutions uses your personal information collected by Panopticon solutions for purposes relating to or arising from your relationship and transactions with Panopticon solutions and as otherwise set out in this Privacy Policy or permitted by applicable law, including

  • to administer your relationship with Panopticon solutions, 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 Panopticon solutions, 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 Panopticon solutions 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 Panopticon solutions
  • to improve Panopticon solutions’s products and services and to develop new products and services
  • to protect and enforce Panopticon solutions’s legal rights, interests and remedies and to protect the businesses, operations and customers of Panopticon solutions or other persons; and
  • to enable and assist Panopticon solutions to collect, use, disclose and retain your personal information in accordance with this Privacy Policy

  Panopticon solutions may combine your personal information collected by Panopticon solutions through various sources (including information collected through its mobile app).

• Panopticon solutions

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

• Information regarding referred transactions

  If Panopticon solutions 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 Panopticon solutions may collect information from that independent business regarding the transaction to administer your relationship with Panopticon solutions, 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 panopticon solutions discloses personal information

• General

  Panopticon solutions discloses your personal information for purposes relating to or arising from your relationship and transactions with Panopticon solutions and as otherwise set out in this privacy policy or permitted by applicable law.

• Specific consents

  Panopticon solutions may disclose your personal information in accordance with express or implied consents that you give during your interactions and transactions with Panopticon solutions.

• Referred transactions

  If Panopticon solutions 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 Panopticon solutions may disclosure your personal information to the independent business to facilitate the proposed transaction, and in those circumstances Panopticon solutions 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

  Panopticon solutions may disclose your personal information to Panopticon solutions’s suppliers and service providers (including mobile app developers) to assist Panopticon solutions in the provision of information, products and services to you, to provide services to Panopticon solutions, to assist Panopticon solutions to use your personal information as set out in this privacy policy and as otherwise permitted by applicable law.

• Law inforcement/legal disclosures

  Panopticon solutions 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. Panopticon solutions may disclose your personal information to law enforcement agencies or other independent organizations if Panopticon solutions reasonably believes the disclosure is necessary or appropriate in connection with national security, law enforcement or other issues of public importance, or if Panopticon solutions reasonably believes the disclosure is necessary or appropriate to protect and enforce the Panopticon solutions’s legal rights, interests and remedies or to protect the rights, interests,business, operationsor customers of Panopticon solutions 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 Panopticon solutions’s products or services). Panopticon solutions 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 Panopticon solutions 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

  Panopticon solutions may disclose your personal information in connection with a proposed or actual business transaction in which Panopticon solutions is involved (e.g.a corporate amalgamation, reorganization, merger or acquisition, or the sale or transfer of some or all of Panopticon solutions’s business or assets), but Panopticon solutions 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

Panopticon solutions 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 Panopticon solutions, 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

Panopticon solutions retains your personal information for the period reasonably necessary for the purposes set out or referenced in this Privacy Policy and to comply with Panopticon solutions’s legal obligations or enforce or protect Panopticon solutions’s legal rights, or a longer period required or permitted by applicable law. Panopticon solutions will delete or dispose of your personal information, or depersonalize the information, when Panopticon solutions 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

Panopticon solutions uses reasonable safeguards – including administrative, physical and technical security and safeguarding measures– appropriate to the sensitivity of the personal information in Panopticon solutions’s possession or under Panopticon solutions’s control to help protect the information from unauthorized access, collection, use, disclosure, deletion or similar risks. Nevertheless, security risks cannot be eliminated and Panopticon solutions 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

Panopticon solutions will rely on you to ensure that the personal information that you provide to Panopticon solutions is as accurate, complete and up to date as necessary for the purposes for which Panopticon solutions uses the personal information. You will promptly notify Panopticon solutions of any changes to the personal information that you provide to Panopticon solutions using the procedures made available for that purpose by Panopticon solutions or by contacting Panopticon solutions’s privacy officer by email to connect@panopticon.ca, by phone at 416-613-8828 or by mail to privacy officer, Panopticon solutions, 132 O’Connor Dr, East York, ON M4J 2S4.

You may reasonably request access to your personal information collected by Panopticon solutions and information about Panopticon solutions’s use, disclosure and retention of that personal information by submitting a written request to Panopticon solutions’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. Panopticon solutions 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

Panopticon solutions 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. Panopticon solutions 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 Panopticon solutions 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

Panopticon solutions’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. Panopticon solutions 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 Panopticon solutions’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. Panopticon solutions 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 Panopticon solutions’s products or services contain important provisions, including provisions disclaiming, limiting or excluding the liability of Panopticon solutions 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 Panopticon solutions’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:

  Panopticon solutions may change this privacy policy as it applies to Panopticon solutions from time to time by posting a new version of this privacy policy on Panopticon solutions’s website. Panopticon solutions’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 Panopticon solutions 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 Panopticon solutions 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 Panopticon solutions’s Chief Privacy Officer:

  If you have any comments or questions about this privacy policy or how Panopticon solutions deals with your personal information, please contact Panopticon solutions’s privacy officer by email to connect@panopticon.ca, by phone at 416-613-8828 or by mail to privacy officer, Panopticon solutions, 132 O’Connor Dr, East York, ON M4J 2S4.