Privacy Policy

1. About IRefer Club

IRefer Club Inc. is an Ontario, Canada business visibility service that helps businesses organize and publish information about who they are, what they do, where they serve and how customers can reach them.

This Privacy Policy applies to personal information collected through IReferClub.com, forms, onboarding, subscriptions, communications, business listings and related IRefer Club services.

IRefer Club is responsible for personal information under its control and has designated a Privacy Officer to oversee its privacy practices.

2. Information We Collect

The information we collect depends on how you interact with IRefer Club.

Business information

This may include your business name, category, products or services, service areas, address or location information, telephone number, business email address, website, booking links, Google Business Profile, social-media pages and other official business sources.

Contact information

This may include a person's name, email address, telephone number, company, role and information included in communications with us.

Business listing content

This may include logos, photographs, descriptions, services, locations, links, onboarding answers, submitted notes and other information supplied for a business profile.

Subscription and transaction information

We may receive information relating to your selected plan, subscription status, payment status, transaction amount, billing date and payment confirmation.

Payment card information is processed by third-party payment processors. IRefer Club does not intentionally store full payment card numbers on its website servers.

Technical and website information

When you visit our website, we or our service providers may collect technical information such as IP address, browser type, device type, referring page, pages visited, approximate geographic location, cookie information and website usage data.

3. Why We Collect and Use Information

IRefer Club collects and uses information only for purposes that are reasonably connected with operating and providing our services. These purposes may include:

• creating, reviewing, publishing and maintaining business listings;
• organizing and presenting business information, services, locations and official links;
• processing subscriptions, billing, payments and cancellations;
• communicating about onboarding, listings, approvals, support, payments, account matters or service changes;
• responding to questions and customer-service requests;
• operating, maintaining and improving our website and services;
• measuring website usage and understanding how visitors use the site;
• detecting or preventing spam, fraud, misuse, unauthorized access or security incidents; and
• meeting legal, accounting, tax, regulatory or record-keeping obligations.

If we want to use personal information for a materially different purpose that was not identified when the information was collected, we will obtain additional consent when required by law.

4. Consent

We obtain consent for the collection, use or disclosure of personal information where consent is required by applicable law.

The form of consent may depend on the circumstances, the sensitivity of the information and the reasonable expectations of the person providing it.

You may withdraw consent to certain uses of your personal information, subject to legal, contractual or operational restrictions and reasonable notice.

Withdrawal of consent may affect our ability to provide a service that requires the information.

5. Public Business Listings

IRefer Club is designed to publish business information. Information submitted for a business listing may therefore become publicly available on IRefer Club and may be accessible to customers, search engines, AI systems and other internet users.

Public listing information may include:

• business name;
• business descriptions and services;
• business location and service areas;
• telephone numbers and business email addresses;
• websites and booking links;
• Google Business Profile and social-media links;
• logos and business photographs; and
• other information approved or submitted for publication.

Do not submit sensitive personal information, confidential information or information that you do not want made public as part of a business listing.

6. Forms, Onboarding and Submitted Content

IRefer Club may use forms, email, automated workflows and other systems to collect the information needed to create, review and maintain business listings.

Information you submit may be reviewed, organized, formatted, summarized, edited or rewritten to create or maintain your business profile or provide the requested service.

We may contact you when submitted information is incomplete, unclear, inconsistent or requires confirmation.

By submitting information about a business, you represent that you have the authority to provide that information and authorize IRefer Club to use it for the requested service.

7. Payments and Subscriptions

IRefer Club uses third-party payment services to process payments, subscriptions and related transactions.

These providers may collect payment information directly from you and process that information according to their own terms and privacy practices.

IRefer Club may receive limited transaction information, such as customer name, email address, plan, subscription status, amount, billing date and transaction confirmation.

8. Service Providers

IRefer Club uses third-party service providers to operate parts of its website and services.

These providers may include:

• website and hosting providers;
• form and onboarding providers;
• payment processors;
• email and communication services;
• automation and workflow services;
• cloud-storage and infrastructure providers;
• analytics and website-performance services; and
• security and fraud-prevention services.

Service providers receive only the information reasonably necessary to perform the services for which they are engaged.

IRefer Club remains responsible for personal information under its control when it is transferred to a service provider for processing and uses contractual, technical or organizational measures as appropriate to protect that information.

9. How We Disclose Information

IRefer Club does not sell personal information as a business practice.

We may disclose or make information available:

• to service providers assisting us in operating IRefer Club;
• to payment processors for subscription and billing purposes;
• when information has been submitted or approved for publication in a public business listing;
• where disclosure is required or permitted by applicable law, court order or lawful legal process;
• where reasonably necessary to investigate or prevent fraud, abuse, security incidents or unlawful activity; or
• in connection with a corporate transaction such as a merger, acquisition, financing, restructuring or sale of all or part of the business, subject to applicable privacy requirements.

10. Information Processed Outside Canada

IRefer Club is based in Ontario, Canada. Some of our service providers may process or store information in Canada, the United States or other jurisdictions.

When personal information is processed outside Canada, it may be subject to the laws of the jurisdiction in which it is processed and may be accessible to courts, law-enforcement authorities, national-security authorities or other government agencies under lawful authority in that jurisdiction.

IRefer Club takes reasonable steps appropriate to the circumstances to protect personal information transferred to service providers for processing.

11. Cookies and Website Analytics

IRefer Club and its service providers may use cookies, website logs, analytics tools and similar technologies to operate the website, understand website traffic, measure performance, improve pages and protect the website.

Information collected through these technologies may include pages visited, browser type, device type, approximate location, referral source, interactions and other technical usage information.

Browser settings can usually be used to block or delete cookies. Some website functionality may be affected if cookies are disabled.

12. Email and Communications

IRefer Club may send communications relating to listings, onboarding, approvals, billing, support, service changes and other matters connected with an active business relationship.

Marketing or promotional electronic communications will include an unsubscribe mechanism where required by applicable law.

Unsubscribing from marketing communications does not prevent us from sending transactional or service communications that are reasonably necessary to manage an active subscription, listing or request.

13. Retention

IRefer Club retains personal information only for as long as reasonably necessary to fulfill the purposes for which it was collected or to satisfy legitimate business, legal, accounting, security and regulatory requirements.

Different types of information may be retained for different periods. Payment, accounting, tax, contractual, security and dispute records may need to be kept longer than ordinary website or listing information.

When personal information is no longer reasonably required, we may delete, destroy or anonymize it, subject to applicable legal and operational requirements.

14. Security

IRefer Club uses administrative, technical and organizational safeguards that are reasonable in relation to the nature and sensitivity of the information under our control.

Safeguards may include access controls, account security, technological protections, service-provider controls and internal procedures intended to reduce unauthorized access, use, disclosure, loss or modification.

No internet transmission, website, cloud service, form platform, email system or electronic storage system can be guaranteed to be completely secure.

15. Privacy and Security Breaches

If IRefer Club becomes aware of a breach involving personal information, we will assess the circumstances and take reasonable steps to contain and investigate the incident.

Where required by applicable Canadian privacy law, IRefer Club will report a breach to the appropriate privacy regulator and notify affected individuals as soon as feasible when the breach creates a real risk of significant harm.

IRefer Club will maintain records of privacy breaches where required by law.

16. Access and Correction Rights in Canada

Subject to applicable law and permitted exceptions, individuals may ask whether IRefer Club holds personal information about them and may request access to that information.

Individuals may also request correction of personal information that is inaccurate or incomplete.

We may require reasonable information to verify your identity before responding to an access or correction request.

If access is refused in whole or in part, we will provide an explanation where required by law and identify available complaint procedures.

17. United States Privacy Rights

IRefer Club may provide services to businesses and individuals in the United States.

Certain U.S. states provide residents with privacy rights when their privacy laws apply to a particular business and processing activity. Depending on the applicable law, those rights may include the right to request access to personal information, correction, deletion, information about certain disclosures, data portability or the ability to opt out of certain uses of personal information.

These rights are not identical in every state and do not apply in every circumstance.

Where a U.S. state privacy law applies to IRefer Club and to your personal information, IRefer Club will respond to qualifying requests and provide any notices or choices required by that law.

IRefer Club does not discriminate against an individual for exercising a privacy right that applies to them under applicable law.

Privacy requests from U.S. residents may be submitted to the Privacy Officer using the contact information below. We may need to verify your identity and, where applicable, the authority of an authorized agent before completing a request.

18. Children

IRefer Club is a business service intended for adults, business owners, professionals and authorized business representatives.

Our services are not directed to children and we do not knowingly collect personal information from children through our business onboarding or subscription services.

If you believe that a child has provided personal information to IRefer Club, contact the Privacy Officer so that the matter can be reviewed.

19. Privacy Complaints

Questions or complaints about IRefer Club's handling of personal information should first be directed to our Privacy Officer.

We will review privacy complaints and respond as required by applicable privacy law.

Individuals in Canada may also have the right to make a complaint to the Office of the Privacy Commissioner of Canada or another privacy regulator with jurisdiction over the matter.

20. Changes to This Privacy Policy

IRefer Club may update this Privacy Policy when our services, information practices, technology or legal requirements change.

The most current version will be posted on this page and identified by the "Last updated" date above.

Where required by law, we will provide additional notice or obtain consent before making a material change affecting how personal information is collected, used or disclosed.

21. Privacy Officer

Questions, access requests, correction requests and privacy complaints may be directed to:

22. Related Terms

Use of IRefer Club is also subject to our Terms and Conditions.

Read the IRefer Club Terms and Conditions