General Disclaimer

This Disclaimer applies to all content, products, tools, and services provided by Incorply, including our website (www.incorply.ca), emails, newsletters, automated forms, and other online platforms. By using this site or engaging with any of our materials, you agree to the terms outlined below. For questions, contact us at support@incorply.ca.

1. No Legal, Financial, or Professional Advice

All content, tools, and materials provided on this website are for informational, educational, and administrative purposes only.

• Not a Law Firm: Incorply is an administrative business registration and document preparation service. We are not a law firm, and our employees and automated systems do not provide legal, tax, or financial advice.
• No Substitute for Professionals: The information shared here is not a substitute for personalized professional guidance. We strongly recommend consulting with a qualified attorney or Chartered Professional Accountant (CPA) regarding your specific legal and tax situation before incorporating or registering a business.
• You should not rely on any information on this website as a basis for making legal or business decisions without independent professional advice.

2. Accuracy and Use of Information

While we strive to ensure all regulatory information, forms, and content are current and accurate, business laws and filing requirements change frequently.

• We make no warranties or guarantees regarding the reliability, completeness, currency, or suitability of any information, products, or services shared.
• You are solely responsible for ensuring that the information you provide during the registration process is accurate and compliant with local, state/provincial, or federal laws.
• We disclaim all liability for any loss, damage, or rejection of filings by government authorities, direct or indirect, arising from the use of this website.

3. No Attorney-Client or Professional Relationship

Using this site, utilizing our software, or viewing our content does not create an attorney-client, accountant-client, or fiduciary relationship between you and Incorply. A professional relationship is only established if and when explicitly stated in a separate, formal written agreement.

4. Affiliate and Third-Party Disclosure

To provide a comprehensive business setup experience, Incorply may recommend third-party services (such as banking partners, registered agents, or website hosting).

Please Note: Assume that for recommendations and links provided, Incorply may be compensated (at no additional cost to you) when you click or purchase those products/services. We only partner with and mention providers we believe offer genuine value to new business owners, but we do not guarantee their services.

5. Limitation of Liability

By accessing our website and services, you agree to release Incorply and its team (owners, employees, contractors, affiliates, and partners) from all liability related to:

• Use of the website, automated filing tools, or content.
• Delays, rejections, or errors caused by government filing offices or registries.
• Any resulting loss, financial injury, or damages, including those arising from technical glitches or negligence.

You accept full responsibility for your business decisions, filings, and ongoing compliance obligations.

6. No Guarantees of Government Approval

Incorply facilitates the preparation and submission of business registration documents. However, Incorply does not promise or guarantee approval by any government body (e.g., state departments, provincial registries, or federal tax agencies). Approval is entirely at the discretion of the government authority handling your application. Furthermore, you are solely responsible for maintaining your business's annual corporate compliance and renewals.

Incorply does not control or determine the criteria, review process, or decisions of any government authority.

7. Arbitration Agreement

To the maximum extent permitted by applicable law, any disputes arising from your use of this site, software, or related services will be settled by binding arbitration in the Province of Ontario, Canada (or another location mutually agreed upon in writing). The decision of the arbitrator will be final and binding. Subject to applicable law, the losing party will cover reasonable arbitration costs. This clause remains effective even after the termination of any agreement or service.

8. Contact Us

Please feel free to connect with Incorply if you have any questions regarding this disclaimer. All communications should be directed to support@incorply.ca.

Terms & Conditions

Last Updated: June 2026

Policy Updates: We may update these Terms & Conditions from time to time to reflect changes in our services, legal requirements, or business practices. The updated version will be posted on our website with a revised "Last Updated" date.

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Welcome to Incorply (“we”, “our”, or “us”). These Terms and Conditions (“Terms”) form a binding agreement between you and Incorply. It defines our mutual rights and responsibilities and governs your access to and use of our website [www.incorply.ca] (“Site”), including any content, functionality, products, or services offered.

Relationship to Terms of Service: These Website Terms & Conditions govern your general access to and use of the Site. If you purchase any business registration, corporate filing, or incorporation services from us, your purchase and our delivery of those services are governed by our separate Terms of Service presented to you at checkout. In the event of any conflict between these Website Terms and the checkout Terms of Service, the Terms of Service shall prevail regarding your purchase.

Use of the Site is subject to our Privacy Policy, which describes cookies, tracking technologies, and data use.

We reserve the right to modify, suspend, or discontinue any part of the Site or services, including filing workflows or features, at any time without liability.

By accessing or using this Site, you agree to these Terms. If you do not agree, do not use this Site or our services.

User Eligibility & Authority: By using this Site, you represent and warrant that you are of the legal age of majority in your jurisdiction of residence and have the full legal capacity to enter into these Terms. If you are accessing or using our services on behalf of a corporation, partnership, or other business entity, you represent and warrant that you have the express legal authority to bind that entity to these Terms.

1. Use of the Site

You agree to use the Site for lawful purposes only and in a manner that does not infringe the rights of or restrict the use of the Site by others. You may not:

• Upload or transmit viruses, malware, or any harmful code or material.
• Use the Site in a way that could damage, disable, or impair it.
• Attempt to gain unauthorized access to any portion of the Site or our corporate filing systems.

Account Security: If you create an account on the Site, you are solely responsible for maintaining the confidentiality of your account credentials and password. You agree to accept responsibility for all activities that occur under your account.

Suspension and Termination of Access: We reserve the right to suspend, restrict, or terminate your access to the Site or any portion of it at any time, with or without notice, where we reasonably believe you have violated these Terms, engaged in fraudulent, abusive, or unlawful activity, or where necessary to protect the integrity, security, or operation of the Site or our systems. We may also discontinue or modify any part of the Site at any time without liability.

Termination does not affect any rights or obligations that have accrued prior to termination.

2. Intellectual Property & Use License

All content on the Site—including text, graphics, images, logos, forms, guides, and software—is the property of Incorply or its licensors and is protected under applicable copyright and trademark laws.

You may view and download materials for your personal or internal business use only. This license does not permit you to:

• Modify or copy our proprietary registration materials or templates.
• Use our content for competing commercial purposes (e.g., reselling our templates).
• Republish or distribute content without prior written permission.
• Mirror content on another server.
• Use any "robot," "spider," "scraper," or other automated means, program, algorithm, or methodology to access, acquire, copy, monitor, or harvest any portion of the Site, its text, guides, form structures, or data.

This license will automatically terminate if you violate any of these restrictions.

3. Trademarks

All logos, names, and designs associated with Incorply are protected trademarks (“Marks”). Use of our Marks without prior written consent is strictly prohibited.

4. Third-Party Links & Government Portals

This Site may include links to external websites, resources, or government portals (such as federal or provincial corporate registries). These are provided for convenience only. We do not control or endorse the content of third-party websites and are not responsible for any loss, damage, or issues arising from your use of them or delays caused by government platforms, errors, delays, or rejections by third-party service providers or government systems.

5. Scope of Services & No Legal Advice

Incorply provides technology-driven business registration, corporate filing, and incorporation assistance services.

Important Notice: Incorply is a corporate filing service, not a law firm or a financial advisory body. We do not provide legal, tax, or accounting advice.

• The information provided on our Site is for informational and educational purposes only and should not be construed as legal or professional advice. As such, all templates, forms, and guided inputs must be reviewed by the user before usage or submission to government authorities.
• Using our services does not create an attorney-client relationship.
• You are solely responsible for ensuring that the corporate structure, jurisdiction, and filing selections you choose are appropriate for your specific business needs. You acknowledge that you have had the opportunity to seek independent legal, tax, and accounting advice before using our services.
• You are solely responsible for any decisions made regarding your business structure, jurisdiction, filings, or corporate setup. Any information or outputs provided by Incorply do not constitute legal, tax, or financial advice. Incorply does not exercise legal judgment, apply the law to your specific business scenario, or substitute for the customized advice of a legal professional.
• Nothing in these Terms creates a fiduciary, legal, tax, or professional advisory relationship between Incorply and the user.

No Agency, Partnership, or Fiduciary Relationship: Nothing in these Terms shall be interpreted to create any agency, partnership, joint venture, fiduciary, or employment relationship between you and Incorply. We do not act as your legal representative or agent unless explicitly stated in a separate written agreement. You remain solely responsible for all decisions regarding your business structure, filings, and compliance obligations.

6. Disclaimer of Warranties

Content and services on this Site are provided “as is” and “as available.” While we strive for accuracy, we make no guarantees about the availability, accuracy, reliability, or timeliness of government registry approvals. We do not guarantee that government authorities will approve your corporate name, trademark, or business registration application.

All free tools, name search features, blog posts, and informational guides provided on this Site are for general informational purposes only. We make no representations or warranties regarding the completeness, accuracy, or availability of any free tools or data pulled from government registries. Your use of any free resources on this Site is entirely at your own risk.

Accuracy of Information and Errors: While we strive to ensure the information provided on the Site is accurate and up to date, we do not warrant or guarantee that any content, including but not limited to forms, templates, guides, name availability results, or government filing information, is complete, accurate, or current. Government requirements and registry systems may change without notice. You are responsible for independently verifying all information before relying on or submitting any filings.

7. Force Majeure

We are not liable for any delay or failure to perform any obligation under these Terms where such delay or failure results from events beyond our reasonable control, including but not limited to: government actions or delays, registry outages or processing delays, internet or hosting failures, cyberattacks, labour disputes, strikes, power failures, pandemics, natural disasters, or failures of third-party service providers or platforms. In such circumstances, our obligations will be suspended for the duration of the event.

8. Limitation of Liability

To the maximum extent allowed by law, Incorply and its affiliates, directors, or employees are not liable for any damages—including direct, indirect, incidental, punitive, or consequential damages (such as loss of profits, business interruption, or failure to secure a specific business name)—arising from your use of this Site or our services. This applies even if we have been advised of the possibility of such damages.

In no event shall the aggregate liability of Incorply, its affiliates, directors, or employees for any and all claims, losses, or damages arising out of or relating to your use of the free portions of the Site exceed $50 CAD.

9. Indemnity

You agree to indemnify, defend, and hold harmless Incorply and its affiliates, directors, officers, contractors, and team members from any claims, damages, liabilities, and expenses (including legal fees) arising from your use of the Site, violation of these Terms, or any incorrect information you provide that leads to government regulatory penalties or third-party trademark disputes.

10. Modifications to Terms

We reserve the right to update, modify, or replace these Terms at any time. We may also modify, suspend, or discontinue any part of the Site or its functionality at any time without prior notice where permitted by law.

11. Governing Law & Jurisdiction

These Terms are governed by the laws of the Province of Ontario, Canada, and the federal laws of Canada applicable therein. Any disputes arising from these Terms, your use of the Site, or our services will be resolved exclusively in the courts located in Toronto, Ontario.

Class Action Waiver: To the maximum extent permitted by applicable law, you agree that any disputes, claims, or proceedings arising out of or relating to these Terms, the Site, or our services must be brought solely on an individual basis. You explicitly waive any right to commence, join, or participate in any class action, collective action, or representative proceeding against Incorply, its affiliates, or its team members.

12. Entire Agreement

These Terms, along with our Privacy Policy, General Disclaimer, Terms of Service and any other legal notices or policies linked from this Site, constitute the entire agreement between you and Incorply regarding your use of this Site and services. They supersede all prior and contemporaneous communications, agreements, and understandings, whether oral or written.

If any provision of these Terms is found to be unenforceable, that provision shall be enforced to the maximum extent permitted by law, and the remainder shall remain in full force and effect. Our failure to enforce any part of these Terms shall not be considered a waiver of our rights.

13. Assignment

We may assign, transfer, or delegate our rights and obligations under these Terms at any time, including in connection with a merger, acquisition, corporate reorganization, or sale of assets. You may not assign or transfer your rights or obligations under these Terms without our prior written consent.

14. Survival

Any provisions of these Terms that by their nature should survive termination or expiration will remain in effect, including but not limited to provisions relating to intellectual property rights, disclaimers, limitation of liability, indemnity, governing law, and any obligations accrued prior to termination.

15. Contact Us

Questions, concerns, or requests regarding these Terms? Reach out to us at: support@incorply.ca

Privacy Policy

Last Updated: June 2026

Policy Updates: We may update this Privacy Policy from time to time to reflect changes in our services, legal requirements, or business practices. The updated version will be posted on our website with a revised "Last Updated" date.

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Incorply (collectively referred to as "the Company", "we", "us", or "our") is committed to safeguarding the privacy, confidentiality, and security of the personal and corporate information entrusted to us by our clients. This Privacy Policy outlines how we collect, use, disclose, and secure your data in strict compliance with the Personal Information Protection and Electronic Documents Act (PIPEDA), Canada’s Anti-Spam Legislation (CASL), and applicable provincial privacy regulations.

1. Legal Basis for Processing Information

To comply with modern international standards and Canadian privacy protocols, we process your personal and corporate information under the following defined legal frameworks:

• Contractual Necessity: We process your data because it is explicitly required to perform the services you have purchased, establish your account, and fulfill our contractual obligations to you (e.g., preparing corporate registration structures).
• Legal Obligation: We are bound by federal and provincial corporate transparency laws to collect, verify, and report specific data points—including the dates of birth, addresses, and citizenship statuses of directors and Individuals with Significant Control (ISC).
• Legitimate Business Interests: We process data to maintain the operational integrity, security, and optimization of our platform. This includes executing automated anti-fraud verifications, preventing unauthorized network incursions, tracking server performance, and defending against legal claims.
• Consent: Where required by law, we rely on your explicit, freely given consent (e.g., tracking preferences or subscription to non-transactional marketing materials).
• Incorply acts as the data controller with respect to personal information collected directly from users. We engage third-party service providers as data processors strictly for limited operational purposes, and only to the extent necessary to deliver, secure, and support our services.
• Nothing in this Privacy Policy is intended to constitute legal, tax, accounting, or professional advice, and users should obtain independent professional advice tailored to their specific circumstances where necessary.

2. Collection of Personal and Business Information

We collect only the information strictly necessary to execute your requested transactions, fulfill statutory registration requirements, and communicate with you regarding your order.

• Voluntary Discretion: You may browse our platform without providing personal details. Information collection is triggered exclusively when you initiate a corporate transaction, register an account, or submit a filing request.

• Data Types Collected: Depending on the service selected, the parameters dictated by the relevant provincial or federal jurisdiction require us to collect:

  • Full legal names, physical addresses, mailing addresses, email addresses, and telephone numbers of applicants, directors, officers, and beneficial owners.
  • Specific business entity details, including proposed corporate names, described business activities, and existing corporate or registration numbers.
  • Statutory identification data when explicitly mandated by government registries, including dates of birth, citizenship status, or structural identity metrics required for Individuals with Significant Control (ISC) registers.

• Identity Verification Data: To comply with regulatory requirements regarding corporate entity formation and anti-fraud protocols, we utilize secure third-party identity verification systems (such as Stripe Identity). When performing identity checks, you will be prompted to submit a government-issued identification document and a biometric photograph (selfie). This sensitive data is captured and processed directly by our identity verification provider. We do not store your raw identification files or biometric data on our core servers; we receive only the verification status result. By initiating the identity verification process, you provide express consent to the collection, processing, and biometric comparison of your photograph and government ID. While these verification actions are executed via our third-party processor (Stripe), the underlying data is destroyed or anonymized by the processor as listed in their terms, except where longer retention is mandated by anti-money laundering or anti-fraud legal requirements.

• Automatically Collected Information: When you access our website or platform, we may automatically collect certain technical information, including:

  • IP address
  • browser type and version
  • device identifiers and operating system
  • access times and timestamps
  • pages viewed and navigation behavior
  • server logs and diagnostic data

  This information is used for security, performance monitoring, fraud prevention, and service optimization.

• Children’s Privacy: Our services are intended solely for individuals who have reached the age of majority in their province or territory of residence. We do not knowingly collect personal information from minors. If we become aware that personal information from a minor has been collected, we will take steps to delete such information promptly.

• Authority to Provide Third-Party Information: Where you provide personal information relating to directors, officers, shareholders, beneficial owners, or other individuals, you represent and warrant that you have the authority and any required consent to provide such information to us for the purposes described in this Privacy Policy.

3. Accuracy and User Responsibility for Data

• Verification and Correction: The platform relies entirely on the accuracy of the data input by the user. Incorply does not independently audit, cross-reference, or verify the factual correctness of the names, addresses, or structural selections you submit.
• Absolute Disclaimer of Data Liability: To the maximum extent permitted by applicable law, Incorply shall not be liable for any losses, including but not limited to loss of business opportunity, loss of prospective profits, commercial delays, or loss of corporate name priority, arising from inaccuracies, typographical errors, omissions, or errors in information provided by users. If an incorrect submission results in a government rejection, a processing delay, structural corporate errors, or a mandatory amendment fee issued by a provincial or federal registry, all financial and administrative consequences rest solely with the user. It is your absolute responsibility to review all draft inputs carefully prior to final transmission.

4. Cookies, Tracking, and Consent Technologies

By utilizing the platform, you acknowledge and agree to our use of cookies, tracking pixels, and related edge-token technologies as managed through our platform's consent interface.

• Functional Cookies: These are strictly necessary for data persistency, secure user session authentication, routing optimization, and maintaining the stability of your data entry funnel. Disabling these via your browser architecture may break core application workflows.
• Analytics and Performance Tracking: We utilize anonymized, aggregated behavioral tracking metrics to evaluate user navigation and funnel conversion health. This data is collected in aggregate structures and does not process raw government IDs or personal financial details.
• Consent Banner Basis: Non-functional tracking utilities are gated behind a compliant consent management banner. You may opt out, alter, or withdraw your tracking and pixel consent matrices at any time without affecting your access to core platform services.

5. Primary Use of Collected Data

All information gathered by us is utilized primarily to execute the specific corporate services you have authorized. This includes:

• Processing, validating, and submitting corporate filings, name searches, and business registrations to relevant government authorities.
• Establishing direct communication via email or telephone regarding active orders, file status, and required clarifications.
• Providing proactive compliance notices, upcoming registry filing reminders, and statutory renewal alerts relevant to maintaining your business entity in good standing.
• We may use automated systems to assist in detecting fraud, ensuring regulatory compliance, and validating submissions. Such processing is used to support decision-making and does not result in solely automated legally binding decisions where human review is required by applicable law.

Automated Processing: We may use automated systems to assist in fraud detection, compliance screening, and data validation. These systems are used to support internal decision-making but do not produce solely automated decisions that have legal or similarly significant effects without human review where required.

6. Marketing and Compliance Communications (CASL Compliance)

• Explicit Consent and Scope: We maintain strict compliance with Canada’s Anti-Spam Legislation (CASL). We will not send you non-transactional marketing materials, newsletters, or third-party partner promotions unless you have provided explicit, affirmative opt-in consent at checkout or via an account setup form.
• Implied Consent Boundaries: By completing a commercial transaction with us, we establish an ongoing business relationship under CASL. We may send you transactional notices, data verification alerts, and critical corporate compliance reminders (such as Annual Return deadlines) necessary to protect your business entity. These do not constitute marketing.
• Unsubscribe Mechanism: Every marketing email sent by Incorply features a clear, functional, one-click automated "Unsubscribe" mechanism in the footer. Unsubscribe requests are processed automatically and enforced across our email transmission layers within 24–48 hours of submission.

7. Authorized Third-Party Disclosures

We do not sell, rent, or trade your personal or corporate information to third parties. Disclosures are strictly limited to the following operational parameters:

• Government Registries: Data is transmitted directly to provincial and federal government authorities, registries, and authorized ministries (such as Industry Canada or provincial corporate registries) to finalize your requested filings.
• Registry Agents and Intermediaries: In jurisdictions where corporate filings must be managed by locally licensed search or registry agents, your data will be securely shared with our vetted partner agents solely to execute the filing.
• Infrastructure, Service Provider Categories, and Cross-Border Transfers: To deliver a high-performance framework, we route data through vetted service providers. This includes industry-standard, PCI-compliant payment gateways and identity verification pipelines (such as Stripe), secure cloud database hosting nodes protected by multi-tenant isolation and strict row-level security policies, and secure global edge networks utilizing Web Application Firewalls (WAF) to provide end-to-end transport layer encryption (SSL/TLS). Personal information may be processed, stored, or transferred outside of your province of residence (including outside of Quebec, where applicable) or outside of Canada to the United States or other jurisdictions where our service providers maintain facilities. Where applicable, we require service providers to maintain appropriate safeguards for personal information. You acknowledge and agree that when your personal information is transferred outside of your province or country of residence, it may be subject to the laws of that jurisdiction, including lawful requirements by foreign governments, courts, or law enforcement agencies to disclose personal information. By using the platform, you explicitly consent to the transfer of your information across provincial and international borders for the purposes of storage, processing, and operational execution.
  We take reasonable steps to ensure that any third-party service providers handling personal information outside of Canada are subject to appropriate contractual safeguards, including confidentiality obligations, security measures, and data protection standards consistent with applicable privacy laws.
• Legal Mandates: We reserve the right to disclose personal or business records to unrelated third parties without your consent only when explicitly compelled to do so by a valid law, court order, warrant, or subpoena.

8. Affiliate and Third-Party Relationships

From time to time, the Platform may contain affiliate links or promotional partnerships. This means that if you click on an external link and purchase a product or service from a third-party partner, the Company may receive a financial commission or referral fee. We only promote third-party products, tools, and services that we reasonably believe add genuine operational value to our users. You acknowledge and agree that your interactions with any third-party providers, even those recommended by us, are entirely at your own risk and subject to that third party's independent terms and privacy practices.

9. Third-Party Websites and Links

Our website may contain links to third-party websites or services. We are not responsible for the privacy practices or content of those third-party sites. We encourage you to review the privacy policies of any external websites you visit.

10. Your Statutory Privacy Rights (PIPEDA Framework)

In compliance with Canadian privacy legislation, you possess clear, enforceable rights regarding your personal information held within our ecosystems.

• The Single-Contact Rule: To protect the integrity of your corporate records, we will only discuss, verify, or disclose information—whether historic or present—to the specific individual name and email address associated with the original transaction, unless we receive verifiable written authorization from you to do otherwise. Third-party inquiries regarding an active or past file will be systematically refused.
• Right of Access: You have the right to request a clear, legible copy of all personal information we hold regarding your profile.
• Right of Correction (Rectification): You have the right to challenge the accuracy or completeness of your data and request immediate correction of inaccurate fields within our active user profiles.
• Right to Withdrawal of Consent: You may withdraw your consent for any optional data processing pathways (such as marketing data pipelines) at any time, subject to legal or contractual restrictions and reasonable notice.
• Right to Erasure (Deletion) and Retention Limits: For non-filed records, draft profiles, or inactive user accounts, you may request permanent erasure of your personal data from our systems. Upon a validated request via our support channels, we will execute a clean purge of your data across our live cloud database nodes within thirty (30) days, subject to existing statutory legal, audit, or financial retention constraints. However, you acknowledge that Incorply is legally bound by corporate transparency laws, provincial registry mandates, and Canada Revenue Agency (CRA) tax regulations. Consequently, core transactional records, corporate filing history, and identity verification logs will be retained for a minimum compliance period, as required by law, following the completion of a transaction or account closure, and cannot be deleted upon request during this timeframe. Crucially, once corporate registration data, director details, or beneficial ownership information (ISC registers) have been filed with and processed by a federal or provincial government registry, that data becomes part of the public record. Incorply has no authority, capability, or legal right to alter, delete, or erase information held within public government registries. Your right to erasure does not apply to data that has already been transmitted to a government authority as part of a filing service.
• Formal Complaint Process: If you believe we have failed to adhere to these privacy protocols or have mishandled your data, you have the right to file a formal dispute with our designated Data Protection Officer via email. If our internal resolution process fails to address your concerns adequately, you hold the legal right to file a formal complaint directly with the Office of the Privacy Commissioner of Canada (OPC) or your respective provincial Privacy Commissioner.
• Provincial Specifics (Quebec, British Columbia, and Alberta): Where we process the personal information of residents of British Columbia or Alberta, our practices are governed by the respective provincial Personal Information Protection Acts (PIPA). For residents of Quebec, we process data in compliance with the Act respecting the protection of personal information in the private sector (Law 25). Our designated Privacy Officer is responsible for ensuring compliance with these provincial frameworks.
  Data Portability (Quebec Only): Residents of Quebec have the right to request that their computerized personal information be communicated to them in a structured, commonly used technological format, or transferred directly to another organization authorized by the user.
  In accordance with Quebec's Law 25, we conduct a formalized Privacy Impact Assessment (PIA) before transferring any personal information outside the province of Quebec to ensure foreign jurisdictions provide an adequate level of protection.
• Data Retention: We retain personal information only for as long as necessary to fulfill the purposes for which it was collected, including legal, regulatory, accounting, and operational requirements.
  Retention periods vary depending on the type of information:
• Account and profile information: retained for the duration of the account and as required by law after inactivity or closure
• Corporate filing and transactional records: retained as required by law to comply with tax, corporate, and regulatory obligations
• Identity verification records: retained for a limited period required by fraud prevention and compliance obligations, after which they are securely deleted or anonymized
• Marketing data: retained until consent is withdrawn or the data is no longer relevant to its original purpose
• Support communications: retained for a reasonable period necessary to maintain service records and resolve disputes
  When retention is no longer required, information is securely deleted or anonymized in accordance with applicable law.
• Governing Law and Dispute Resolution: This Privacy Policy, the administration of your data, and your use of the platform are governed exclusively by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of laws principles.
  Except where prohibited by applicable law (such as the Quebec Consumer Protection Act, where applicable), any dispute, controversy, or claim arising out of, relating to, or in connection with this Privacy Policy, including its validity, breach, or termination, shall be referred to and finally resolved by confidential, binding arbitration in Toronto, Ontario, Canada, in accordance with the Arbitration Act, 1991 (Ontario). The arbitration shall be conducted in English by a single arbitrator. To the maximum extent permitted by law, you agree to waive any right to initiate or participate in a class action lawsuit or multi-party litigation against the Company regarding privacy or data matters.

11. Data Breach Response Protocol

• Safeguards and Security: We implement administrative, physical, and advanced technical security infrastructure—including database encryption at rest and in transit, isolated multi-tenant records, and perimeter intrusion detection systems—to protect against data loss, unauthorized access, alteration, or disclosure.
• Breach Notification Timeline: In the highly unlikely event of a security incident or systemic data breach involving our systems that creates a 'Real Risk of Significant Harm' (under PIPEDA/PIPA) or a 'Risk of Serious Injury' (under Quebec Law 25) to your personal or financial well-being, we will notify you and the appropriate federal or provincial Privacy Commissioner (including the CAI) as soon as feasible and without unreasonable delay.
• Limitation of Liability for Security Breaches: While we enforce strict web application firewalls and encryption protocols, no transmission method over the internet or cloud storage architecture is entirely infallible. Except where prohibited by law, Incorply disclaims liability for any indirect, incidental, or consequential damages resulting from unauthorized third-party hacks, zero-day data incursions, or malicious infrastructure breaches, provided the Company has maintained industry-standard security baselines up to the moment of the event.

12. Contacting Our Privacy Officer

If you have questions about this Privacy Policy, wish to exercise your statutory rights, or want to file a formal complaint, please contact our designated Privacy Officer:

• Title: Privacy & Data Protection Officer
• Company: Incorply
• Email: support@incorply.ca

Note for Quebec Residents: The individual occupying the title above serves as the person in charge of protecting personal information pursuant to Quebec’s Act respecting the protection of personal information in the private sector (Law 25).