Privacy Policy

1. Information We Collect

We collect information that you provide directly to us, information we collect automatically, and information from third-party sources.

1.1 Information You Provide

When you use our services or contact us, we may collect:

• Personal identification information (name, email address, phone number, mailing address)

• Financial information necessary for tax preparation and filing (Social Security numbers, income information, tax documents)

• Payment information (processed securely through our payment processor, Stripe)

• Communications you send to us

• Any other information you choose to provide

1.2 Information Collected Automatically

When you visit our Site, we automatically collect certain information about your device and usage, including:

• Log data (IP address, browser type, operating system, pages visited, time spent on pages)

• Device information (device type, unique device identifiers)

• Cookies and similar tracking technologies (see Section 6 below)

2. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our tax preparation and consulting services

• Process your payments and prevent fraud

• Communicate with you about our services, including responding to your inquiries

• Comply with legal obligations and tax filing requirements

• Send you marketing communications (with your consent where required)

• Analyze usage patterns and improve our Site and services

• Protect against unauthorized access and maintain security

3. Payment Processing and Stripe

We use Stripe, Inc. as our third-party payment processor. When you make a payment through our Site, your payment information is collected and processed by Stripe in accordance with Stripe's Privacy Policy and Terms of Service.

Important Information About Stripe:

• We do not directly collect or store your complete credit card information on our servers

• Stripe collects payment card details, billing information, and transaction data

• Stripe is certified as a PCI Service Provider Level 1, the highest level of certification in the payments industry

• Stripe uses encryption and secure protocols to protect your payment information

• We receive limited payment information from Stripe, such as the last four digits of your card and transaction confirmation

For more information about how Stripe handles your data, please review Stripe's Privacy Policy at https://stripe.com/privacy.

4. Information Sharing and Disclosure

We may share your information in the following circumstances:

4.1 Service Providers

We share information with third-party service providers who perform services on our behalf, including payment processing (Stripe), cloud hosting, data analytics, and customer support. These providers are contractually obligated to protect your information and use it only for the purposes we specify.

4.2 Legal Requirements

We may disclose your information if required by law or in response to valid requests by public authorities, including to meet national security or law enforcement requirements, or to comply with tax laws and regulations.

4.3 Business Transfers

In the event of a merger, acquisition, reorganization, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change and any choices you may have.

4.4 With Your Consent

We may share your information for any other purpose with your consent.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encryption, secure socket layer technology (SSL), firewalls, and restricted access to personal data. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

As tax professionals, we are also bound by professional standards and regulations regarding the confidentiality of client information, including IRS Circular 230 and applicable state regulations.

6. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to collect information about your browsing activities and to provide and improve our services. Cookies are small text files stored on your device that help us recognize you and remember your preferences.

Types of cookies we use:

• Essential cookies: Necessary for the Site to function properly

• Analytics cookies: Help us understand how visitors use our Site

• Preference cookies: Remember your settings and preferences

You can control cookies through your browser settings and choose to accept or reject cookies. However, disabling cookies may affect your ability to use certain features of our Site.

7. Your Rights and Choices

Depending on your location and applicable laws, you may have certain rights regarding your personal information:

• Access: Request access to the personal information we hold about you

• Correction: Request correction of inaccurate or incomplete information

• Deletion: Request deletion of your personal information, subject to legal retention requirements

• Opt-out: Unsubscribe from marketing communications

• Data portability: Request a copy of your information in a portable format

To exercise these rights, please contact us using the information provided in Section 11. Please note that we may need to retain certain information for legal or tax compliance purposes.

8. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Tax records and related financial information are typically retained for a minimum of seven years in accordance with IRS regulations and professional standards.

9. Third-Party Links

Our Site may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies before providing any information to them.

10. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you become aware that a child has provided us with personal information, please contact us immediately, and we will take steps to delete such information.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of any material changes by posting the updated policy on our Site and updating the effective date. Your continued use of our services after such changes constitutes your acceptance of the updated Privacy Policy.

12. Contact Information

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Cregan and Co PA

Tax Magic Collective

Website: https://taxmagiccollective.com/

Email: [email protected]

Phone: +1 727-501-6300

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By using our services, you acknowledge that you have read and understood this Privacy Policy.