Cookie Policy
Seller: Accountants Expert, operated by BOMCAS Canada. The seller has not published a street address or a registration number on this page. Write to licences@accountantsexpert.com.
1. What a cookie is on this site
A cookie is a small text file the browser stores. This site also uses local storage, which is a similar store that the browser keeps for the site. This policy covers both. It is the cookie policy for accountantsexpert.com, versioned with the other policies. The seller is Accountants Expert, operated by BOMCAS Canada. The contact is licences@accountantsexpert.com.
Essential storage is required for the site to work. Non-essential storage is statistics and marketing. Non-essential storage stays off until the visitor switches it on. The visitor can refuse statistics and marketing and still use the site after accepting the legal terms. That choice is what Quebec Law 25 and the GDPR require for cookies that are not strictly necessary. Accepting the terms is a separate step. The bar does not offer a way to browse the whole site while refusing the terms. The legal pages linked from the bar can be read first.
2. Essential storage
The essential cookie ae_consent remembers the policy version the visitor accepted and whether statistics and marketing are on. It is essential because the site has to know whether the visitor has accepted the current terms and because it has to remember a refusal of non-essential cookies. Without it, the bar would ask on every page and a refusal would be forgotten. The cookie lasts up to one year. Local storage holds the same record so a browser that drops the cookie can restore the choice, and so a change in the policy version can be detected.
WordPress sign-in cookies are essential for an account. They keep the visitor signed in to My Account and to checkout. They are set when the visitor signs in and they are not used to advertise. A checkout in progress may use a session cookie so the plan and the term are not lost between screens. Those cookies do not contain a card number. Stripe and PayPal set their own cookies on their own domains when the visitor is sent there to pay. Those cookies are described in the processors' own policies. The seller does not control them.
3. Statistics and marketing
Statistics storage, if the visitor switches it on, helps the seller see which pages are used. It is off by default. The seller does not turn it on silently. Marketing storage, if the visitor switches it on, covers referral measurement and the YouTube player. A video stays on a local poster until marketing consent is on. The player is the privacy-enhanced YouTube host. It is not loaded before that consent. The seller does not drop a marketing cookie and then ask afterwards.
The visitor may accept all, which turns statistics and marketing on and accepts the legal terms. The visitor may open Cookie settings, leave statistics and marketing off, and save. Saving still accepts the legal terms. There is no button that refuses the terms and continues into the site. A visitor who wants to read before deciding should open the policy links. Those pages load without the dimmed overlay.
4. How to change the choice
Cookie settings in the footer opens the same controls. The visitor can turn statistics or marketing off later. The new choice replaces the old one in the cookie and in local storage, and the seller records the new acceptance with the time, the policy version, a hash of the IP address, and the user agent. Turning a category off does not delete a log row that was already written. The log is a record of what was accepted at that time.
The visitor can also clear cookies in the browser. Clearing them removes the choice. The bar will ask again, because the site no longer has a record of acceptance for this browser. Local storage should be cleared as well if the visitor wants a clean prompt. A private-browsing window starts without the choice.
5. Policy version
The cookie stores the policy version. When the seller publishes a new version, the stored version no longer matches. The bar is shown again. An old acceptance is not treated as acceptance of the new text. Checkout has its own consent screen and is not replaced by this cookie. A buyer must still complete checkout consent even if they have accepted the bar.
The effective date and the version are at the top of this page. Questions about a cookie go to licences@accountantsexpert.com. Questions about a charge do not belong in a cookie request. Use My Account or the same address with the account email and the charge date.
6. Law
PIPEDA and Alberta's Personal Information Protection Act require the seller to be open about these technologies. Quebec Law 25 requires that technologies allowing the person to be identified, located, or profiled be disclosed, and that consent for non-essential use be available to refuse. The GDPR and the UK GDPR, and the ePrivacy rules that sit with them, require consent before non-essential cookies where those laws apply. The California Consumer Privacy Act treats some of this storage as personal information. The seller honours a refusal of statistics and marketing regardless of which of those laws applies to the visitor. Essential cookies stay on because the site cannot apply the refusal, or keep the visitor signed in, without them.
The seller does not use cookies to sell personal information. The seller does not use a cookie to decide a tax outcome. A calculator result is computed in the browser from what the visitor types and from the rate file. It is not a cookie profile.
7. What the seller does not set
The seller does not set a cookie to follow the visitor across other companies' websites. The seller does not buy a list of cookie identifiers. The seller does not use a cookie to decide a tax figure. If a future statistics tool is added, it will run only after the statistics switch is on, and this policy will be updated with the tool's name and purpose before that version takes effect. Until that update, the visitor should assume statistics means first-party page measurement only.
Embedded content from a payment processor loads on the processor's pages, not as a hidden frame on every page of this site. The visitor who never opens checkout does not receive a Stripe cookie from this site's own pages. The visitor who opens Stripe or PayPal is dealing with that company for the payment step. The seller's cookie bar does not pretend to switch off a cookie that a different site sets after the visitor leaves.
A browser extension, a corporate proxy, or a privacy tool the visitor installed may block cookies this policy describes. If essential cookies are blocked, sign-in and the consent bar may not work. The seller cannot store the choice if the browser refuses all storage. In that case the bar will keep appearing, because no acceptance can be remembered. The visitor can allow essential cookies for this site and keep statistics and marketing off.
8. How long storage lasts
The consent cookie is set for up to one year. Sign-in cookies follow WordPress session settings, which may be shorter if the visitor does not choose to stay signed in. Local storage stays until the visitor or the site removes it. A new policy version does not wait for the year to end. The mismatch is enough to show the bar again. The seller may also expire a consent record on the server side for its own logs on the retention schedule in the Privacy Policy. Expiring a log row does not by itself clear the browser. Clearing the browser does not by itself delete the server log.
The visitor who wants the minimum can accept the terms with statistics off and marketing off. That is a valid choice. Essential storage remains. The legal pages remain readable before that choice is made. The Cookie settings control is in the bar and in the footer after acceptance. The seller will not treat a pre-ticked statistics box as consent. The statistics and marketing boxes are off until the visitor turns them on. The essential box is on because it cannot be off, and it is disabled so it cannot be mistaken for a choice.
9. How these words are used
Headings are for convenience. They do not change the operative text. “Including” means “including without limitation”. The singular includes the plural and the other way around. “Writing” includes email. A reference to a statute is to that statute as amended, and to any regulation made under it. A reference to a person includes a natural person, a corporation, a partnership, and any other entity. If a word is defined in this document, that definition applies wherever the word is used, unless the sentence says otherwise.
If a translation of this page is published, the English text controls. If a page on the site summarises this document in shorter words, this document controls where they differ. A failure to enforce a term on one occasion is not a waiver. A waiver must be in writing to be effective, and it applies only to the breach it names. The seller may assign this document to a successor of the business. The buyer may not assign a licence or an account without the seller’s prior written consent, except where a mandatory law says otherwise.
If a court finds that one term cannot be enforced, the rest of the document stays in force. The invalid term is modified to the minimum extent needed to make it valid, if a modification can do that without changing the bargain. This document, together with the other policies named in it and the plan the buyer selected at checkout, is the entire agreement on its subject. It replaces earlier oral statements and earlier website summaries about that subject. A purchase order or a buyer’s standard terms do not amend it unless the seller signs a document that says they do.
Days are calendar days unless a section says business days. A business day is a day other than a Saturday, a Sunday, or a statutory holiday in Alberta. Notices to the seller are sent to licences@accountantsexpert.com and are effective when the email is received, or on the next business day if it arrives outside ordinary business hours. Notices to the buyer are sent to the email on the account and are effective when sent, unless the message bounces and the seller has another address on file. The buyer must keep that email address current.
10. Governing law and mandatory rights
Accountants Expert, operated by BOMCAS Canada offers the website, the calculators, and the paid plans from Alberta, Canada. This document is governed by the laws of Alberta and the federal laws of Canada that apply in Alberta. The courts of Alberta have jurisdiction, subject to the dispute section of the Limitation of Liability and Indemnity and to any mandatory rule that lets a consumer sue or be sued at home.
Nothing in this document limits a right that a statute says cannot be limited. That includes mandatory protections for a consumer in the buyer’s province or country. For a consumer in Quebec, the Consumer Protection Act, CQLR c P-40.1, applies where it must, and a term that conflicts with it is read down. For a consumer in the European Union, the mandatory parts of Directive 2011/83/EU on consumer rights, as implemented in the buyer’s member state, and the mandatory parts of the digital-content rules that apply to that buyer, are preserved. For a consumer in the United Kingdom, the mandatory parts of the Consumer Rights Act 2015 and the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 are preserved.
Where those laws give a consumer a right to withdraw from a distance contract for digital content, the buyer is asked at checkout to request immediate supply and to acknowledge that the withdrawal right ends once supply of the digital licence begins. That request and acknowledgement do not apply where a mandatory law keeps the withdrawal right, including for a consumer in Quebec. A business buyer who is not a consumer does not receive consumer withdrawal rights.
The seller does not claim a professional designation, a certification, or a membership on these pages. The calculators are software. They are not a filing, a ruling, or a retainer. Dispute resolution, the class-action waiver, and arbitration are described in the Limitation of Liability and Indemnity. They are not enforceable against a Quebec consumer where the law of Quebec refuses them. They also do not apply where the law of the buyer’s province or country refuses a waiver of a class action or a requirement to arbitrate.
11. Changes, records, and survival
The seller may update this document by posting a new version with a new version number and a new effective date. The version line at the top of the page is the version in force. A material change to a paid plan is also handled in the Terms of Sale, including notice before a renewal price changes. Continued use of a free page after the effective date is acceptance of the new website terms. A paid subscription keeps the commercial terms accepted at the start of the current paid term until that term renews, except where a change is required by law or is needed to stop abuse.
The site consent bar asks again when the policy version changes. A previous acceptance stored in the cookie, in local storage, or in the consents table does not cover a later version. Checkout keeps its own consent screen. Accepting the bar does not replace the checkboxes at checkout, and the checkboxes at checkout do not replace the bar.
Terms that by their nature should survive the end of a subscription do survive. That includes accrued payment obligations, the refund rules for a period already paid, the licence restrictions on a copy already received, the disclaimer, the limitation of liability, the indemnity, the governing-law clause, and the sections needed to interpret them. The end of a subscription does not erase a record the seller must keep for tax, accounting, or a legal claim.
The contact for every policy on this site is licences@accountantsexpert.com. Support about a licence key or a download may also be handled from My Account. Do not send a client’s tax return, a social insurance number, or a full licence key to that address. Send the account email and a description of the issue.
These pages are written for customers of Accountants Expert. They are not a legal opinion and they are not a certification. Have them reviewed by a lawyer before you rely on them.
Terms of Service · Terms of Sale · Refund and Cancellation Policy · Software Licence Agreement · Privacy Policy · Cookie Policy · Acceptable Use Policy · Disclaimer · Limitation of Liability and Indemnity · Your account · Support
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