Privacy Policy & Disclaimer

Privacy Policy and Disclaimer
Parsai Immigration Services (settler.ca)
Effective date: 2026/02/27

1. Overview

1. This page explains how Parsai Immigration Services (“we”, “us”, “our”) collects, uses, discloses, stores, and protects personal information on settler.ca, including our online assessment tools and calculators (the “Tools”).
2. This page also includes important disclaimers about the website and Tools, including limits on reliance and the absence of legal advice.
3. By using settler.ca or submitting information through a form or Tool, you agree to this policy.

2. Who We Are and How to Contact Us

1. Operator: Parsai Immigration Services, Toronto, Ontario, Canada.
2. Privacy contact: If you have questions, requests, or complaints about privacy, contact us using the contact information on our Contact Us page, or email us at the address listed there.
3. We may request identity verification before responding to an access, correction, or deletion request.

3. Scope

1. This policy applies to personal information collected through:
   1. settler.ca pages and contact forms
   2. our Tools and related pages
   3. communications with us by email, phone, or messaging channels
   4. downloads and interactions with site content
2. This policy does not apply to third-party websites you may access through links on settler.ca.

4. Personal Information We Collect

1. Information you provide. Depending on the Tool or form, we may collect:
   1. contact details (for example, name, email address, phone number, city, country)
   2. immigration-related details (for example, education, work history, travel history, immigration status, prior applications, timelines, and related facts)
   3. sensitive information depending on your circumstances, especially for protection-related Tools (for example, risk factors and enforcement context)
   4. business and financial information for the entrepreneur and investor pathway Tools (for example, assets, liabilities, net worth, business experience)
2. Information collected automatically. When you visit settler.ca, we may collect:
   1. IP address and approximate location derived from IP
   2. device and browser data
   3. usage data such as pages visited, time on page, and referral source
   4. cookie and similar identifier data
3. Anti-spam and security checks. Some Tools may use anti-spam and security measures such as reCAPTCHA.

5. Why We Collect and Use Personal Information

1. We collect and use personal information for the following purposes:
   1. to generate and deliver Tool results and reports
   2. to communicate with you about your submission, your results, and next steps
   3. to determine whether we can help, and to offer services if you request assistance
   4. to operate, secure, and improve settler.ca and the Tools
   5. to comply with legal and regulatory obligations and respond to lawful requests
2. We do not sell your personal information.

6. Consent

1. You control what you submit. If you choose not to provide certain information, a Tool may not work properly, or the result may be incomplete.
2. Some Tools require you to confirm consent before you can continue.
3. By submitting a Tool or form, you consent to:
   1. our collection and use of the information you provide for the purposes described here
   2. receiving emails that contain your Tool results (these are service emails, not marketing)
   3. our team is contacting you about your submission and potential next steps, where indicated in the Tool or form experience

7. Tool Results Delivery and Email Handling

1. Always emailed results. Tool results are delivered by email.
2. Third-party email delivery. We use EmailJS to send Tool results and Google services to receive, store, and manage emails and related records.
3. By using the Tools, you understand that your Tool submission and results will be transmitted through these services as part of delivery and internal follow-up.

8. Disclosure of Personal Information

1. We may disclose personal information in the following circumstances:
   1. Service providers: to vendors who help operate our website and deliver Tool results, including EmailJS and Google, subject to reasonable safeguards
   2. Legal obligations: where required by law, court order, or to respond to lawful requests
   3. Protection of rights and safety: where we reasonably believe disclosure is necessary to protect our rights, property, staff, users, or others, or to investigate suspected fraud or misuse
2. We do not rent or sell personal information.

9. Cross-Border Processing

1. Some service providers we use may process or store information outside Canada.
2. When personal information is processed outside Canada, it may be subject to the laws of that jurisdiction, including lawful access by authorities.
3. We use reasonable measures to protect personal information when using third-party service providers.

10. Retention

1. No fixed retention period. Tool submissions and results do not have a set retention limit.
2. We retain personal information for as long as we consider reasonably necessary for:
   1. providing the results you requested
   2. follow-up and client service operations
   3. internal record-keeping and quality assurance
   4. legal, regulatory, and risk management needs
3. If you want us to delete your information, you may request deletion. We will comply unless we must keep certain information for legal or legitimate business reasons.

11. Safeguards and Security

1. We use reasonable administrative, technical, and physical safeguards appropriate to the sensitivity of the information.
2. No Internet transmission is 100 percent secure. By submitting information online, you accept this risk.
3. You are responsible for maintaining the confidentiality of any credentials associated with any account you use to access our resources.

12. Cookies

1. We may use cookies to improve functionality, understand site usage, and support the performance of forms and tools.
2. You can manage cookies through your browser settings. Disabling cookies may affect site functionality.

13. Access and Correction

1. You can request access to personal information we hold about you and request corrections if it is inaccurate.
2. We may need to verify your identity before responding.

14. Video Surveillance (If Applicable)

1. If we use video surveillance in our premises, it is for security and safety purposes.
2. Where feasible, we post notices indicating the use of surveillance.

15. Changes to This Policy

1. We may update this policy from time to time.
2. The “Effective date” above identifies the current version.

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Website and Tools Disclaimer

16. No Legal Advice

1. settler.ca provides general information only.
2. We are not a law firm, and we do not provide legal advice through the website.
3. If you need legal advice, consult a lawyer. If you want immigration consulting advice, book a consultation with a licensed practitioner.

17. No Consultant-Client Relationship by Using the Website or Tools

1. Using settler.ca, reading content, or completing a Tool does not create a consultant-client relationship.
2. A consultant-client relationship starts only when we confirm the scope of services and enter into an engagement arrangement.

18. Tool Outputs Are Unofficial, Preliminary, and Not Guaranteed

1. The Tools provide unofficial estimates based on the information you enter and the rules embedded in the Tool.
2. Tool results can be wrong if you enter incomplete or inaccurate information, or if the law, policy, or program delivery rules change.
3. Officers and tribunal decision-makers make the final determinations.
4. We do not guarantee outcomes, eligibility, processing times, or decisions.

19. Do Not Rely on Tools for Urgent or High-Risk Situations

1. If you face removal, detention, enforcement action, a deadline, or a refusal, do not rely only on a Tool.
2. Seek professional assistance immediately.

20. Accuracy and Availability

1. We try to keep information current, but we make no warranties regarding accuracy, completeness, or fitness for a particular purpose.
2. The website and Tools may be unavailable at times or may contain errors.

21. Limitation of Liability

1. To the fullest extent permitted by law, we disclaim liability for losses arising from your use of settler.ca, the Tools, or reliance on results.

22. Third-Party Links and Platforms

1. We may link to third-party sites or use third-party services to deliver website functionality, forms, and results.
2. Third parties have their own terms and privacy practices. Review them before using those services.

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