Your privacy is important to us. This privacy policy (this “Privacy Policy”) outlines how we at Bunkor (Bunkor Accounting and its affiliates, collectively “Bunkor”) collect, use, disclose, and safeguard your personal information. We also describe the rights you have over your information.

Please read this Privacy Policy carefully. By using the Services (as defined below), you acknowledge that you have read, understand and agree to be legally bound by this Privacy Policy and other policies incorporated herein by reference.

This Privacy Policy was last updated and is effective on August 21, 2020.

Bunkor reserves the right to modify this Privacy Policy at any time, in our sole discretion. We may modify this Privacy Policy by providing notice via one of the following methods: (i) by email to the email account used by you to access the Services, (ii) by updating the ‘last updated’ date listed above, or (iii) by your acknowledgement as part of your login to the Services. By continuing to use the Services you confirm that you agree to the modified Privacy Policy. If you do not agree with the changes to the Privacy Policy, you should stop using the Services and close your account within 30 days of the change.

Our services and how this privacy policy applies

What information we collect about you and why

How we use your information

Your use of others’ personal information

Your rights over your information

When and why we share your information with others

Where your data resides and international data transfers

How we protect your information

How we use cookies and other tracking technologies

Changes to this Privacy Policy

How you can reach us

Our services and how this Privacy Policy applies

Bunkor offers unique financial tools and services (such as bookkeeping, accounting and access to banking services) to entrepreneurs through its online platform at bunkor.com, accessible via our website and mobile applications. Through this platform, our Customers and Accountant Clients can access the tools they need to power their businesses or the businesses of their clients. We refer to our platform, websites and mobile applications collectively as our “Services”.

This Privacy Policy applies to our Services, and other interactions you may have with Bunkor, such as visiting our websites, customer service inquiries, attendance at events, etc. By using our Services, or otherwise interacting with Bunkor you agree to the collection and use of your personal information in accordance with this Privacy Policy. Personal information is any information or data relating to you that may be used to identify you, either directly or indirectly, or to contact you.

When using our Services, you may decide to share your data and any related personal information with a third-party service of your choice (for example, your accountant). Any processing of your information by these third parties is governed by their own privacy policies and terms. We recommend you carefully review their privacy policies and terms, as Bunkor is not responsible for such third-party services.

Some of the Services are made available to you by our third-party affiliates. Personal information supplied by you through the Services to our third-party affiliates will be governed by this Privacy Policy.

Our Services are not intended for use by children and should only be accessed by individuals who are at least 18 years old and are using the Services for business purposes. If we learn that we have inadvertently collected personal information of persons under the age of 18 years old, we shall immediately take steps to delete the information as soon as possible.

What information we collect about you and why

Customers & Accountant Clients

If you are a Customer using Bunkor to power your business or an Accountant Client using Bunkor to streamline bookkeeping for your own clients, we collect and use your personal information to provide you with our Services. We collect the following personal information when you sign up for Bunkor, when you use our Services, or when you otherwise provide us information. Generally, we need this information for you to be able to use our Services.

What we collect	Why we collect it
Information you provide us about you and your business, like your name, company name, email address, and phone number.	To set up your account and provide you with the use of our Services (e.g., to confirm your identity, to contact you about issues with our platform, to invoice you) To market products or features to you To comply with legal requirements
Information of others that we process at your direction, such as the names and contact information of your clients, employees, etc.	To provide you with our Services
Payment and billing information that you provide us, such as your credit or debit card number.	To charge for our services
Information about how you access our Services and your account, including information about the device and browser you use, your network connection, your IP address, and details about how you browse our websites and platform.	To provide you use of, and to improve, our platform and other related services (e.g., identifying ways to make our platform easier to use or navigate) To debug, identify and repair errors that may impact intended functionality To detect security incidents and protect against malicious, fraudulent or illegal activity To personalize the platform for you To advertise and market products or features to you
Customer support information (such as questions and issues) and general feedback that you choose to provide (for example, app reviews).	To provide you with customer support when using our Services To debug, identify and repair errors that may impact intended functionality To share with existing or prospective Customers or Accountant Clients your experience and feedback in using our Services
If you use our BunkorTax service we may collect more specific information you provide us about you and your business, including: personal characteristics (such as age, date of birth, gender, marital status, nationality) government-issued identification (such as your social security number, driver’s license number, taxpayer identification number) professional and employment information (such as your occupation, employer identification number, corporate-held credit and debit card numbers, employment records and compensation information)	To create and manage your BunkorTax account To provide you with the BunkorTax Services, including for your tax professional to set up tax payments to IRS and state departments of revenue To conduct fraud and risk monitoring To comply with legal requirements To provide tax documentation
Copies of government-issued identification about you or your business that you provide to us	If we need to verify your identity (e.g., to protect you against identity theft or fraud) To verify that we are speaking with you if you contact us To comply with legal requirements

Visitors

We collect the following personal information about you when you visit our website or contact Bunkor support:

What we collect	Why we collect it
Information about you that you provide us about yourself, like your name, address, email address, and phone number.	To communicate with you via email or via chatbot To advertise and market products or features to you To comply with legal requirements
Information about how you access and our Services, including information about the device and browser you use, your network connection, your IP address, and details about how you browse through our apps and sites, including search terms you may enter.	To provide you use of, and to improve, our websites and related services (e.g., identifying ways to make our websites easier to use or navigate) To personalize your experience using our websites (e.g., by changing the layout of our webpages) To advertise and market products or features to you
Information you provide us for surveys, contests and events (such as webinars or in-person events), including your contact information, your business name and address, and general information about your organization that you choose to provide, such as annual company revenue, number of employees, and industry.	To register you for the survey, contest or event, and provide you with the results or contents of the event To advertise and market products or features to you

Prospective Bunkormates

We collect the following personal information about you when you apply for a position with Bunkor:

What we collect	Why we collect it
Contact information about you that you provide us about yourself, like your name, address, email address, and phone number.	To communicate with you during the recruitment process To book interviews with you and members of our team To verify your identity To comply with legal requirements
Additional personal information you provide us, such as your professional and employment history (such as your resume or CV, past employment experience, occupations and titles, your LinkedIn profile or other social media handles), your nationality, and your education (such as your degrees and schooling, licenses and professional memberships).	To review your suitability for a position and qualify you for a role To verify your legal ability to work in Canada

How we use your information

We use the personal information we collect from you to provide you with our Services, to fulfill a contractual obligation (for example, to process your subscription payments), to improve our Services or where we need your personal information for a legitimate business interest. These legitimate interests include:

• verifying your or your business’ identity
• preventing risk and fraud (for example, to detect and protect Bunkor and other third parties against error, negligence, breach of contract, fraud, theft and other illegal activity, and to audit compliance with Bunkor’s policies and contractual obligations)
• answering questions or providing other types of support
• providing, securing, debugging and improving our Services and website
• providing reporting and analytics
• testing out features or additional services
• assisting with marketing, advertising, or other communications
• understanding your needs and eligibility for products and services
• complying with legal and regulatory requirements
• enforcing our Terms of Use and / or compliance with this Privacy Policy

We may also collect and use your personal information for any other purpose to which you consent.

We only collect the personal information we consider necessary for achieving these purposes.

We may use information that is aggregated or de-identified so that it is no longer reasonably associated with an identified or identifiable natural person for any business purpose.

Your use of others’ personal information

In using our Services, you may provide us with the personal information of others (for example, the names and addresses of your accounting clients or employees). Legally speaking, we are only a “service provider” of such information.

As your service provider, we only process (collect, use, disclose, etc.) such information as directed by you for the exclusive purpose of providing you our Services. For example, we will never use your customers’ or employees’ information to independently market or advertise to them unless they are also using our Services directly. We also do not and will not “sell” your customers’ information.

You are responsible for the personal information of others that you disclose to us via our Services and for ensuring that your instructions regarding the processing of such information complies with applicable data protection laws.

Your rights over your information

Depending on your use of our Services and where you reside, you may have the right to request access to, correct, amend, delete, or object to certain uses of your personal information (for example, by unsubscribing from direct marketing emails).

We strive to provide you with the ability to exercise these rights yourself via our Services. For example, you can access, update and correct most of your information from your account settings pages. If you cannot exercise a particular right via our Services, you can always email our privacy team at privacy@bunkor.com. Please note that if you send us a request relating to your personal information, we have to make sure that it is you before we can respond. In order to do so, we may ask to see documentation verifying your identity.

Please also note that there is a difference between the information we decide to collect for our own purposes (for example, your account sign-up information) and the information our Customers and Accountant Clients direct us to store or process via our Services (for example, names of employees or clients). If you are an individual who wishes to exercise your rights over information that one of our Customers or Accountant Clients may be storing or processing via our Services for their own purposes, you will need to contact the Customer or Accountant Client directly. In this scenario, we are only a service provider acting at their direction, and we cannot decide how to process their information.

When and why we share your information with others

We restrict access to your information to authorized employees and contractors and only share your personal information with third parties in the following circumstances.

As a Customer or Accountant Client, we may share your personal information with the following service providers to provide you with our Services:

Service provider	Service provided	Location
AWS	Cloud storage and infrastructure	USA
Sendgrid	Transactional email API	USA
Mandrill	Transactional email API	USA
Splunk	Centralized logging	USA
Rollbar	Error monitoring	USA
FileThis	Consumer finance document API	USA
Plaid	Technical financial infrastructure API	USA
Stripe	Payments API	USA
Treasury Prime	Banking API	USA
Radius Bank	Bank account provider	USA

We may also share your personal information with the following categories of third parties for certain other business purposes:

• Other Service Providers, Partners, Contractors or Vendors: for analytics and reporting, marketing and advertising, auditing, communicating with you, managing our customer database, providing you with professional services, managing our recruitment process and conducting background checks (for Prospective Bunkormates).
• Successor Entities: if we merge with or are acquired by another company, are involved in a bankruptcy, or if the ownership or control of all or part of our Services or their assets changes, information about you may be transferred to such entities.
• Law Enforcement, Government Agencies, and Professional Advisors: to prevent or investigate suspected fraud, threats to physical safety, illegal activity, or violations of a contract or our policies, or to comply with a law or regulation, or if we are otherwise legally required to do so, such as in response to a court order or legal process, or to establish, protect, or exercise our legal rights or to defend against legal claims or demands.

Where your data resides and international data transfers

Our Services are managed by Bunkor’s team at its headquarters in Canada. We rely on Service Providers, mentioned above, to operate the Services. These service providers are all located in and process your data in the United States. Bunkor does not currently offer or market its Services to individuals or businesses outside of the United States.

Data retention

Bunkor is a United States company, serving US persons and businesses, and as such, we and our third party affiliates may be subject to various legal compliance and reporting obligations that require us to retain your personal information for a specific periods of time which may be beyond the time when you stop using the Services.

How we protect your information

We maintain industry standard security safeguards to protect your information and ensure its confidentiality, integrity and availability. While we do our best to protect your information on our platform, we cannot guarantee absolute security of your personal information. To learn more about our information security measures, please see our Security Practices.

How we use cookies and other tracking technologies

We use cookies and similar tracking technologies on our website and when providing our Services. For more information about how we use these technologies, and an explanation of how you can opt out of certain types of cookies, please see our Cookie Policy.

Changes to this Privacy Policy

We may make changes to this Privacy Policy at any time to reflect updates to our Services, applicable laws, and other factors. We will notify you as outlined above when we make any material changes, but we encourage you to stay informed by reviewing this policy periodically.

How you can reach us

If you would like to ask about, make a request relating to, or complain about how we process your personal information, you can contact us by email at login1@bunkor.com, by calling us toll-free at 1-888-760-1940, or by sending a letter to:

Email: login1@bunkor.com
Mailing address:
1-100 Blake Street
Attention: General Counsel
Barrie, ON, L4M 1K3

© Bunkor, 2021.