Privacy Policy

Introduction

Packo INC, the owner and operator of the Packo application and website in Canada, is strictly committed to protecting the privacy, security, and integrity of the personal information of its users (both customers and merchant partners) in accordance with the Canadian federal Personal Information Protection and Electronic Documents Act (PIPEDA), Canada’s Anti-Spam Legislation (CASL), and applicable provincial consumer and privacy regulations.

By registering, installing, accessing, or utilizing the Packo application, website, or associated digital services, you acknowledge that you have read, understood, and agreed to be bound by the terms and processing practices outlined in this Privacy Policy.

Section 1: Information We Collect

1.1 Customer (Consumer) Information

Basic Personal Data: Full name, official email address, and mobile phone number.
Account & Digital Credentials: Username, secure encrypted password hash, in-app usage preferences, search logs, and treading histories.
Financial Transaction Records: History of coupon purchases, promotions, vouchers redeemed, or refunds processed.
Payment Processing Data: All credit card details and transaction flows are securely processed and fully encrypted by our certified third-party payment broker (Stripe). Packo INC. does not inspect, access, or store credit card credentials directly on its local servers.
Technical & Telemetric Data: Internet Protocol (IP) address, device manufacturer/model, operating system, and approximate geographical location coordinates to highlight available promotions within your proximity.

1.2 Merchant & Partner Information (B2B Data)

Legal Entity Credentials: Legal business name, trade name, and physical address of the retail establishment in Canada.
Federal & Provincial Tax Identifiers: Canadian federal Business Number (BN) and the GST/HST registration number.
Financial & Regulatory Documents: A valid copy of the provincial commercial business license and the designated commercial bank account details matching the legal entity name to coordinate monthly pay-outs.
Authorized Representative Details: Full name, corporate title, corporate email, and corporate contact telephone of the signing officer.

Section 2: How We Use Your Information

We process the information collected exclusively for the following lawful and commercial purposes:

To establish, run, maintain, and secure user and merchant accounts on the Platform.
To securely process financial transaction payments and issue digital promotional coupons/vouchers to customers' accounts.
To send necessary transactional, functional, or operationally critical system notifications regarding your account or order status.
To detect, investigate, and prevent fraudulent transactions, tech-abuse, or security incidents on the Platform.
To comply with Canadian federal and provincial financial auditing, bookkeeping, and sales tax remittance regulations.

Section 3: Information Sharing with Third Parties

Packo INC. strictly enforces a Zero-Selling, Zero-Rent, and Zero-Trading policy of personal data to external marketing agencies or third parties. We limit information sharing strictly to the following circumstances:

Payment Processors (Stripe): Sharing transaction data necessary with Stripe to complete, manage, and secure debit/credit card settlements.
Merchant Partners: Merchant partners receive only the specific coupon voucher code and the customer's name to verify and redeem the coupon in-store. Merchants are strictly prohibited from storing or reusing this data for their own marketing campaigns.
Technical Contractors: Sharing data with cloud infrastructure (e.g., Amazon Web Services) or analytics tools under strict non-disclosure agreements (NDAs) that prohibit any independent processing.
Legal & Regulatory Authorities: Disclosing records to the Canada Revenue Agency (CRA) or law enforcement if legally compelled by a court subpoena, warrant, or binding regulatory mandate.
Corporate Restructuring: Transferring database assets to an acquirer or merger entity under a 30-day prior notification to users.

Section 4: Data Retention, Protection, and CRA Compliance

Technical Safeguards: All personal information is encrypted in transit and at rest using military-grade cryptographic protocols (SSL/TLS), backed by strict role-based access controls and routine security patch audits.
Federal Bookkeeping Expiry Exception (CRA Retention Rule): In the event of a user account deletion request, Packo INC. is legally bound by the Canada Revenue Agency (CRA) taxation guidelines to permanently retain all invoices, payment records, and transactional transaction data for a minimum of seven (7) years for audit purposes. These records cannot be expunged prior to the expiration of this statutory period.
PIPEDA Data Breach Notification: In the event of an unforeseen security breach or database compromise that poses a "Real Risk of Significant Harm" (RROSH) to our users, Packo INC. commits to notifying the Office of the Privacy Commissioner of Canada (OPC) and all affected individuals immediately and without unreasonable delay in accordance with federal PIPEDA requirements.

Section 5: CASL Compliance (Canada’s Anti-Spam Legislation)

Packo INC. strictly prohibits sending commercial electronic messages (marketing emails, SMS, or promotional push notifications) without obtaining explicit, separate, and voluntary opt-in consent (Explicit Opt-In) during registration.
Users can withdraw their marketing consent at any time, completely free of charge, by clicking the "Unsubscribe" link present at the footer of any promotional email, or adjusting their in-app preferences. Once clicked, all marketing correspondence is terminated immediately.

Section 5A: SMS Messaging and Phone Number

Packo INC. collects mobile phone numbers exclusively for the purpose of sending one-time verification codes (OTP) to authenticate user accounts on packostore.com.

5A.1 SMS Opt-In Consent

Users provide explicit consent to receive SMS verification messages by entering their phone number in the registration form on packostore.com and agreeing to these Terms. The registration form includes the following disclosure: "By registering, you agree to receive SMS verification codes to your phone number for account authentication purposes. Message and data rates may apply."

5A.2 SMS Content

Packo INC. sends only transactional SMS messages containing one-time verification codes (OTP). We do not send marketing, promotional, or third-party content via SMS.

5A.3 Opt-Out

Users can opt-out of SMS messages at any time by:

Replying STOP to any SMS message
Contacting us at [email protected]

Upon opt-out, all SMS communications will cease immediately.

5A.4 Message Frequency

Message frequency varies based on account activity. Users typically receive 1-2 SMS messages per login or registration attempt.

5A.5 Rates

Message and data rates may apply depending on your mobile carrier plan.

5A.6 Help

For SMS support, reply HELP to any message or contact [email protected] or +1 (613) 850-9922.

5A.7 SMS Provider

SMS messages are delivered via Twilio Inc. (www.twilio.com). Phone numbers are never sold, rented, or shared with third parties for marketing purposes.

Section 6: Your Legal Rights Under PIPEDA

In accordance with Canadian federal privacy regulations, you possess the following statutory rights:

The right to request access to and inspect all personal information we hold about you.
The right to correct or update any outdated, incomplete, or inaccurate personal information.
The right to request the deletion or restriction of your personal data (subject to the 7-year CRA transactional retention rule mentioned in Section 4).
The right to lodge an official inquiry or complaint directly with the Office of the Privacy Commissioner of Canada (OPC).

To invoke any of these privileges, please coordinate directly with our Privacy Compliance Officer at: [email protected].

Section 7: Children and Minors' Privacy

The Packo application is not designed for, nor does it knowingly collect the data of children under the age of 13. Any such records discovered will be immediately deleted.
Minors between 13 and 17 years are permitted to register and use the application only with the explicit prior consent and supervision of a parent or legal guardian, who agrees to assume full legal and financial responsibility for all transactions made through the account.

Section 8: Cookies & Tracking Technologies

We use standard cookies and tracking pixels to analyze traffic, manage user sessions, and customize app interfaces. You can manage or disable cookies in your device's browser settings. Please note that disabling cookies may degrade some functional aspects of the application.

Section 9: Policy Amendments and Contact Details

We reserve the right to modify this Privacy Policy in response to technological updates or Canadian legislative changes. All material changes will be communicated to users with at least 30 days notice prior to taking effect via email or prominent in-app alerts.

For privacy inquiries or statutory request coordination, please contact us directly:

Privacy Officer Email: [email protected]

Telephone Contact: +1 (613) 850-9922

Website: www.packostore.com

Address: Ottawa, Ontario, Canada