Privacy Policy

Privacy Policy

Last modified: [03/03/2026]

INTRODUCTION

The Urban Accountant Inc. (“Company” or “We”) respect your privacy and are committed to protecting it by complying with this policy.

This policy describes:

• How we collect, use, disclose, and protect the personal information of our customers, application users and website users (“you“).
• Describes the types of information we may collect from you or that you may provide when you visit the website www.ma-tua.com and (our “Website“) or use our web-based application made available through www.app.ma-tua.com (the “Application” or “App”).
• Our practices for collecting, using, maintaining, protecting, and disclosing that information.

We collect, use, and disclose personal information only for purposes that a reasonable person would consider appropriate in the circumstances, and only to the extent necessary to provide our Website, Application, and related services, or as otherwise permitted or required by applicable law.

Privacy laws in Canada generally define “personal information” as any information about an identifiable individual, which includes information that can be used on its own or with other information to identify, contact, or locate a single person. Personal information does not include business contact information, including your name, title, or business contact information.

This policy applies to information we collect, use, or disclose about you:

• On this Website or Application.
• In email, text, and other electronic messages between you and this Website or Application.
• Through the Application, including when you create an account, complete questionnaires, upload documents, book consultations, or otherwise interact with features or services made available through the Application.
• When you communicate with us in connection with services provided through the Application.
• When you interact with our advertising and applications on third-party websites and services if those applications or advertising include links to this policy.

The Website or Application may include links to third-party websites, plug-ins, services, social networks, or applications. Clicking on those links or enabling those connections may allow the third party to collect or share data about you. If you follow a link to a third-party website or engage a third-party plugin, please note that these third parties have their own privacy policies and we do not accept any responsibility or liability for these policies. We do not control these third-party websites, and we encourage you to read the privacy policy of every website you visit.

This policy DOES NOT apply to information that:

• We collect offline, except where such information is later processed or stored in connection with the Website or Application.
• Is collected by third parties through websites, platforms, tools, or services not owned or controlled by us, even if such services are linked to or accessible through the Website or Application.

Please read this policy carefully to understand our policies and practices for collecting, processing, and storing your information. If you do not agree with our policies and practices, your choice is not to use our Website or Application. By accessing or using this Website or Application, you indicate that you understand, accept, and consent to the practices described in this policy. This policy may change from time to time (see Changes to Our Privacy Policy). Where required by applicable law, we will provide notice of material changes and, where necessary, obtain your consent before implementing any new or materially different uses or disclosures of your personal information

Website vs Application

This Privacy Policy applies to both (a) our marketing website and (b) our web-based application platform. The type of personal information collected depends on how you interact with us:

Website: We collect limited information through contact forms, pre-registration forms, careers submissions, and cookies/analytics tools.

Application: We collect personal information and sensitive personal information necessary to provide tax preparation, consultation, audit support, identity verification, and electronic filing services, including SIN, financial information, and government-issued identification.

INFORMATION WE COLLECT ABOUT YOU

We collect and use several types of information from and about you, including:

• Personal information, that we can reasonably use to directly or indirectly identify you, such as your name, mailing address, e-mail address, telephone number, Internet protocol (IP) address used to connect your computer to the Internet, user name or other similar identifier, account registration information, consultation or service-related information, Social Insurance Number (SIN), tax and financial information, copies of government-issued identification, facial verification images and any other identifier we may use to contact you (“personal information“). Where required by law, we obtain express consent for the collection, use, or disclosure of sensitive personal information.

Certain categories of personal information we collect, including identification numbers, tax and financial information, and government-issued identification, are considered sensitive personal information under applicable Canadian privacy laws. Such information is collected only in connection with the services requested by you and in accordance with applicable legal requirements.

• Information collected through the Website, including information you voluntarily provide when completing contact forms, pre-registration forms, or career applications, such as your name, email address, phone number, message content, cover letter, and resume.
• Information collected through the Application, including information you provide when creating an account, completing questionnaires, uploading documents, booking consultations, submitting tax-related information, or otherwise interacting with features of the Application.

• • Non-personal information, that does not directly or indirectly reveal your identity or directly relate to an identifiable individual, such as  demographic information, or statistical or aggregated information. Statistical or aggregated data does not directly identify a specific person, but we may derive non-personal statistical or aggregated data from personal information. For example, we may aggregate personal information to calculate the percentage of users accessing a specific Website feature.  
  • Technical information, including your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform, or information about your internet connection, the equipment you use to access our Website or Application, and usage details.

• Non-personal details about your interactions with the Website and Application, including the full Uniform Resource Locators (URLs), clickstream data to, through, and from the Website or Application (including date and time), features accessed, page response times, download errors, length of visits to certain pages or screens, page or screen interaction information (such as scrolling, clicks, and mouse-overs), methods used to navigate away from a page or screen, and system or error logs generated in connection with your use of the Website or Application.

• Usage information, including details about your interactions with the Website or Application, such as full Uniform Resource Locators (URLs), clickstream data to, through, and from the Website or Application (including date and time), pages viewed, features accessed, page response times, download errors, length of visits, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to navigate away from a page.

• Analytics and cookie information, including information collected automatically through cookies or similar technologies to analyze usage patterns, improve functionality, and enhance user experience, as further described in this Privacy Policy.

HOW WE COLLECT INFORMATION ABOUT YOU

We use different methods to collect your information, including through:

• Direct interactions with you, when you provide information to us, for example, by filling in forms, completing questionnaires, uploading documents, booking consultations, or corresponding with us by phone, email, or other electronic means.
• Application-based interactions, including when you create an account, submit information, upload documents, provide identity verification materials, or otherwise interact with features or services made available through the Application.
• Automated technologies or interactions, as you navigate through or use our Website or Application. Information collected automatically may include usage details, Internet Protocol (IP) addresses, device identifiers, and information collected through cookies, analytics tools, or similar technologies.
• Service-related interactions, where information is generated or recorded in connection with the provision of services requested by you, including system logs, error reports, and administrative records.
• Third-party service providers acting on our behalf, such as hosting or analytics providers, where permitted by applicable law and subject to appropriate contractual safeguards.
• User contributions. The Website and Application are not intended to function as public forums. Any information you submit through forms, uploads, or messaging features is provided for service-related, recruitment, or administrative purposes only. Access is restricted to authorized personnel and service providers acting on our behalf. 
• Automated technologies or interactions, as you navigate through our Website. Information collected automatically may include usage details, IP addresses, and information collected through cookies, web beacons, and other tracking technologies.
• Third parties or publicly available sources, for example, our business partners.

Information You Provide to Us 

The information we collect directly from you on or through our Website or Application may include:

• Information that you provide by filling in forms or submitting information, including information provided at the time of pre-registration, contacting us, submitting inquiries, applying for career opportunities, registering to use the Website or Application, requesting services, or otherwise interacting with features of the Website or Application.
• Records and copies of your correspondence, (including email addresses and other contact information), if you contact us by email, phone, electronic messaging, or other means.
• Information and documentation you voluntarily upload or submit, including tax-related information, government-issued identification, facial verification images, and other information necessary to provide the services you request.
• Your responses to surveys that we might ask you to complete for research purposes.
• Details of transactions you carry out through our Website or Application and of the fulfillment of your orders. You may be required to provide financial information before placing an order through our Website. 
• Information you provide when reporting a problem, requesting support, or otherwise communicating with us regarding the Website or Application.
• Any other information you choose to provide to us in connection with your use of the Website or Application or the services requested by you.

You may also provide information to be published or displayed (hereinafter, “posted“) on public areas of the Website or transmitted to other users of the Website or third parties or Application (collectively, “User Contributions“). Your User Contributions are posted on and transmitted to others at your own risk. Although we limit access to certain pages/you may set certain privacy settings for such information by logging into your account profile, please be aware that no security measures are perfect. Additionally, we cannot control the actions of other users of the Website with whom you may choose to share your User Contributions. Therefore, we cannot and do not guarantee that unauthorized persons will not view your User Contributions.

For greater certainty, the Website and Application are not intended to function as public forums, and User Contributions are generally submitted for service-related, administrative, or support purposes rather than for public display. Access to User Contributions is restricted to authorized personnel and service providers acting on our behalf, subject to applicable confidentiality and security safeguards. 

Information We Collect Through Cookies and Other Automatic Data Collection Technologies  

As you navigate through and interact with our Website, and, where applicable, our web-based application (the “Application”), we may use cookies or other automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

• Details of your visits to our Website, and, where applicable, the Application, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website or Application.
• Information about your computer and internet connection, including your IP address, operating system, and browser type and, where applicable, device identifiers used to access the Website or Application.

We may use cookies and similar technologies to collect information about your interactions with the Website and Application, where applicable, the Application over time for analytics, performance monitoring, and security purposes. We do not use these technologies to engage in targeted advertising or behavioural tracking across third-party websites. Where required by applicable law, you may adjust your browser settings or use available tools to manage cookies and similar technologies, as further described in this Privacy Policy.

The information we collect automatically is statistical information and may include personal information, and we may maintain it or associate it with personal information we collect in other ways that you provide to us through the Website or the Application. This information helps us to improve our Website and Application and to deliver a better and more efficient and personalized service, including by enabling us to:

• Estimate our audience size and usage patterns. 
• Understand how users interact with the Website and Application, allowing us to improve functionality and user experience. 
• Maintain and improve system performance and security.
• Recognize you when you return to our Website or Application, where permitted by your browser or device settings.
• Store information about your preferences, allowing us to customize our Website and Application according to your individual interests.
• Speed up your searches.
• Recognize you when you return to our Website and the Application.

The technologies we use for this automatic data collection may include:

• Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer or device. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website or Application. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website or access the Application through a web browser.

• Flash Cookies. Certain features of our Website or Application may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our Website or Application. Flash cookies are not managed by the same browser settings that are used for browser cookies. For information about managing your privacy and security settings for Flash cookies, see Choices About How We Use and Disclose Your Information.

• Web Beacons. Pages of our Website or Application, and, where applicable, our Application and our e-mails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or or accessed certain features or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity). We do not use web beacons for third-party behavioural advertising purposes.

Third Party Use of Cookies and Other Tracking Technologies

We may use third-party service providers to support the operation, hosting, analytics, and functionality of the Website and Application. These service providers may use cookies or similar technologies on our behalf to collect information about your use of the Website or Application for analytics, performance monitoring, security, and system integrity purposes.

We do not permit third parties to use cookies or tracking technologies on the Website or Application for behavioural advertising or targeted marketing purposes.

Information collected by third-party service providers is used solely to assist us in operating and improving the Website and Application and is subject to appropriate contractual, confidentiality, and security safeguards.

We do not control the tracking technologies of external websites that may be linked from the Website or Application. If you access a third-party website, you should review that website’s privacy policy to understand its tracking practices.

COOKIE AND TRACKING TECHNOLOGIES

The Website uses cookies and similar technologies for functionality, analytics, and security purposes. Where required by applicable law, cookies that are not strictly necessary will be used only after you provide consent through the cookie banner or consent tool made available on the Website. You may manage cookies through the cookie banner (where available) and through your browser settings.

 

HOW WE USE YOUR INFORMATION

We use information that we collect about you or that you provide to us, including any personal information:

• To present our Website and Application and its contents to you.
• To provide you with information, products, or services that you request from us including tax preparation, consultation services, identity verification, and related administrative support.
• To fulfill the purposes for which you provided the information or that were described when it was collected, or any other purpose for which you provide it. 
• To create, manage, and maintain your account and user profile within the Application.
• To carry out our obligations and enforce our rights arising from any contracts with you, including for billing and collection or to comply with legal requirements. 
• To notify you about changes to our Website or Application or any products or services we offer or provide though it.
• To improve our Website, and Application, products and services, system performance, security, and user experience.
• To facilitate the review, preparation, verification, and submission of tax filings or related documentation through authorized personnel and service providers acting on our behalf.
• To communicate with you regarding service-related matters, including confirmations, updates, technical notices, and customer support responses.
• In any other way, we may describe when you provide the information.
• For any other purpose with your consent.

TAX FILING PROVIDERS / PROFESSIONALS

We may share personal information with accountants, CPAs, contractors, and authorized electronic filing service providers involved in preparing, reviewing, verifying, and submitting tax returns.

KEY SERVICE PROVIDERS

The Company may use third party service providers to support hosting, storage, communications, analytics, and security. A current list of key service providers may be made available upon request at [email protected] or by a published list on the Website, and may change from time to time.

DISCLOSURE OF YOUR INFORMATION

We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.

We may disclose personal information that we collect, or you provide as described in this privacy policy:

• To our affiliates and related entities, where necessary to support the delivery of services requested by you, and subject to appropriate confidentiality and data protection safeguards.
• In accordance with applicable law, to a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of The Urban Accountant Inc.’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by The Urban Accountant Inc. about our customers and users is among the assets transferred.
• To contractors, professional advisors, accountants, administrative personnel, cloud hosting providers (including Canadian-based hosting providers), and other service providers engaged to support the operation of the Website and Application and to deliver tax preparation, consultation, identity verification, filing, compliance, and related services on our behalf. Such parties are contractually required to protect personal information, use it only for authorized purposes, and comply with applicable privacy laws.
• We do not sell, rent, or trade your personal information to third parties.
• To fulfill the purpose for which you provide it. For example, if you give us an email address to use the “email a friend” feature of our Website or Application, we will transmit the contents of that email and your email address to the recipients.
• For any other purpose disclosed by us when you provide the information.
• With your consent.

We may also disclose your personal information:

• To comply with any court order, law, or legal process, including to respond to any government, tax or regulatory request, in accordance with applicable law.
• To enforce or apply our Website Terms of Use and End-User License Agreement (EULA) and other agreements, including for billing, service administration, and collection purposes.
• If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of The Urban Accountant Inc., our customers, users, service providers, or others, including for fraud prevention, security monitoring, or risk mitigation purposes

We may disclose personal information to third-party service providers that assist us in operating the Website and Application, including hosting providers, database/storage providers, communications providers (email/SMS/phone), analytics providers, and security providers. These service providers are authorized to access personal information only to perform services on our behalf and are contractually required to protect personal information. We may use third-party communications providers such as Twilio to deliver verification messages, appointment reminders, and service-related notifications.

PAYMENT PROCESSING

Payment information may be processed by third-party payment processors. We do not store full credit card information.

AFFILIATES AND SERVICE PROVIDERS MAY CHANGE

In order to operate the Website and Application and deliver services requested by you (including tax preparation, consultation services, audit support, identity verification, and electronic filing services), we may engage affiliated entities, independent contractors, accountants, CPAs, administrative personnel, and third-party service providers. Such parties may change from time to time. We require all such parties to maintain appropriate confidentiality and security safeguards and to use personal information only for authorized purposes.

MARKETING CONSENT

If you voluntarily provide photos, videos, testimonials, or other media content, we may use such content for marketing purposes only where you provide express consent. Such content may be posted on social media platforms and may be accessible outside of Canada. You may withdraw consent, subject to practical limitations where content has already been publicly distributed.

TRANSFERRING YOUR PERSONAL INFORMATION

We may transfer personal information that we collect or that you provide as described in this policy to contractors, service providers, and other third parties we use to support our business (including cloud hosting providers and technical infrastructure providers supporting the Website and Application) and who are contractually obligated to keep personal information confidential, use it only for the purposes for which we disclose it to them, and to process the personal information with the same standards set out in this policy.

We store and process personal information in Canada. We do not routinely transfer personal information outside of Canada. If, in the future, personal information is transferred outside of Canada, we will ensure that such transfers comply with applicable Canadian privacy laws and that appropriate contractual and security safeguards are in place. We use Amazon Web Services (AWS) to host and store data. Data is hosted in Canada.

CHOICES ABOUT HOW WE USE AND DISCLOSE YOUR INFORMATION

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information: 

• Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. If you disable or refuse cookies, some parts of the Website or Application may not function properly. For more information about tracking technologies, see Information We Collect Through Cookies and Other Automatic Data Collection Technologies.

• Withdrawal of Consent. Subject to legal and contractual restrictions, you may withdraw your consent to our collection, use, or disclosure of your personal information at any time by contacting us. Please note that withdrawing consent may limit our ability to provide certain services to you, including tax preparation, consultation, or account functionality.

• Service Communications. We may send service-related communications (such as account notifications, confirmations, or compliance updates). These communications are necessary to provide our services and are not promotional in nature. 

DATA SECURITY

The security of your personal information is very important to us. We use physical, electronic, and administrative measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. We implement appropriate physical, technical, and administrative safeguards designed to protect personal information against loss, theft, unauthorized access, disclosure, copying, use, or modification. These safeguards include secure hosting within Canada, encryption of sensitive data in transit and at rest, access controls, authentication protocols, and restricted internal access on a need-to-know basis. 

Given the sensitive nature of certain information collected through the Application, including identification numbers and tax-related information, we apply enhanced security controls and limit access to authorized personnel and service providers who require access to perform their duties.

The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website or Application, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. 

Unfortunately, the transmission of information via the Internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website or Application. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website or Application. 

DATA RETENTION

Except as otherwise permitted or required by applicable law or regulation, we will only retain your personal information for as long as necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, tax, accounting, or reporting requirements. 

In particular, where personal information relates to tax preparation, filing, or related services, we may retain such information for up to seven (7) years, or such longer period as may be required under applicable tax or regulatory laws, including record-keeping requirements.

Under some circumstances, we may anonymize or de-identify your personal information so that it can no longer be associated with you. We reserve the right to use such anonymous and de-identified data for any legitimate business purpose without further notice to you or your consent, provided that such data does not identify you as an individual.

When personal information is no longer required for the purposes for which it was collected and is not required to be retained by law, we will securely delete, destroy, or anonymize it in accordance with our internal data retention and disposal practices. 

CHILDREN UNDER THE AGE OF 13

Our Website or Application is not intended for children under 13 years of age. No one under age 13 may provide any personal information to or on the Website or the Application. We do not knowingly collect personal information from children under 13. If you are under 13, do not use or provide any information on this Website or Application or on or through any of its features/register on the Website, or the Application, or make any purchases through the Website or Application, use any of the interactive or public comment features of this Website or Application, or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at [email protected]. 

ACCESSING AND CORRECTING YOUR PERSONAL INFORMATION

It is important that the personal information we hold about you is accurate and current. Please keep us informed if your personal information changes. By law you have the right to request access to and to correct the personal information that we hold about you.

If you wish to access, review, verify, correct, update, or withdraw consent to the use of your personal information, you may contact us at [email protected]. We may request specific information from you to verify your identity before responding to your request.

Please note that we may be unable to delete certain personal information where retention is required to comply with legal, regulatory, tax, audit, or record-keeping obligations. 

If you want to review, verify, correct, or withdraw consent to the use of your personal information you may also send us an email at [email protected] to request access to, correct, or delete any personal information that you have provided to us. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

We may request sufficient information to confirm your identity and your right to access the personal information requested before responding. Applicable law may allow or require us to refuse access to some or all of the personal information we hold about you. If access is refused, we will provide reasons, subject to legal or regulatory restrictions.

We will provide access to your personal information, subject to exceptions set out in applicable privacy legislation. Examples of such exceptions include:

• Information protected by solicitor-client privilege.
• Information that is part of a formal dispute resolution process.
• Information that is about another individual that would reveal their personal information or confidential commercial information.
• Information that is prohibitively expensive to provide.

If you have concerns about our response, you may contact our Privacy Officer, Khadija Abubakar at [email protected]

BREACH NOTIFICATION CLAUSE

In the event of a breach of security safeguards involving personal information under our control that poses a real risk of significant harm, we will notify affected individuals and applicable regulatory authorities in accordance with applicable privacy laws.

DATA MINIMIZATION CLAUSE

We limit the collection of personal information to what is reasonably necessary to fulfill the purposes identified in this Privacy Policy.

WITHDRAWING YOUR CONSENT

Where you have provided your consent to the collection, use, and transfer of your personal information, you may have the legal right to withdraw your consent under certain circumstances. To withdraw your consent, if applicable, contact us at [email protected]. Please note that if you withdraw your consent, we may not be able to provide you with a particular product or service. We will explain the impact to you at the time to help you with your decision. 

CHANGES TO OUR PRIVACY POLICY

It is our policy to post any changes we make to our privacy policy on this page and, where appropriate, within the Website or Application. If we make material changes to how we collect, use, or disclose personal information, we will provide notice as required by applicable law, which may include notice through the Website or Application, or by email where appropriate.

We include the date this Privacy Policy was last revised at the top of the page. You are encouraged to review this Privacy Policy periodically to remain informed about how we protect your personal information.

CONTACT INFORMATION AND CHALLENGING COMPLIANCE

We welcome your questions, comments, and requests regarding this privacy policy and our privacy practices. Please contact us at: 

Khadija Abubakar

[email protected] 

We have procedures in place to receive and respond to complaints or inquiries about our handling of personal information, our compliance with this policy, and with applicable privacy laws. To discuss our compliance with this policy please contact our Privacy Officer, Khadija Abubakar using the contact information listed above.