Digital Privacy Notice

Effective January 1, 2024

This Fintech Umbrella Digital Privacy Notice (“Notice”) describes how Fintech Umbrella LLC, or one of its corporate affiliates, uses personal information collected through:

Interactions and transactions in person or over the phone;
Paper forms or documents submitted to us during the course of our services;
Our website, online products, software services, and any digital platforms; and
Services and offerings accessed through FintechUmbrella.com or any associated mobile applications.

Information We Collect

We collect information about you in a variety of ways depending on how you interact with us and our online and offline products and services including:

Directly from you when you provide it to us, sign up to receive communications from us, request information or services from us, post information in publicly accessible blogs or community forums that may be offered on our websites, or contact us by phone, email, or otherwise.
Automatically through the use of various technologies such as cookies, server logs, pixels or other similar technologies when you interact with our websites, online products and services, mobile applications, advertisements, and emails.
From other sources, including, for example, our affiliates, select business partners, service providers, online social media networks (e.g., post a message on one of our social media pages), government entities (e.g., the IRS), and other third parties (including credit reporting agencies), or from publicly available sources. For example, if you submit a job application, or become an employee, we may conduct a background check.

The following provides examples of the type of information that we collect and how we may use that information. If you choose not to provide certain information we request, we may be unable to serve you as our products, services, calculators, and/or other tools may rely upon this information.

Financial Preparation & Other Services

We may collect information about you, your spouse, your dependents, other individuals, or your business when you use our tax preparation products and other offered services. This information may include contact information (e.g., name, phone number, and email address), Social Security Number and other government identification numbers (e.g., EIN, Driver’s License Number, and ITIN), date of birth, financial information (e.g., income, revenue, assets, credits, deductions, expenses, and bank account information), payment information (e.g., checking, debit, and credit card account numbers, balances, assets, and payment history), health information (e.g., health insurance status and financial information related to payment for healthcare services), unique device identifiers, and Internet Protocol (“IP”) address (a number that is automatically assigned to a computer when the internet is used).

We collect this information to deliver the products and services you request, including as part of preparing your tax return, electronically filing your tax return, and applying for or purchasing a product or service. We also collect some of this information because the Internal Revenue Service (“IRS”) or state taxing authorities may require that we collect personal and system information (such as name, Social Security Number, IP address and device identifiers) in connection with preparing or electronically filing your tax return. To improve the security of our services and to protect your information, we may verify your personal information by matching the information you provide against other publicly available information that we obtain from identification verification companies. As permitted by applicable law, we may use information to improve or market our products or services and to otherwise support the maintenance and operations of our business.

Cookies & Similar Tracking Technologies

We use, and allow third parties to use, technologies, such as cookies, pixels, media tags, and similar tracking technologies (collectively, “tracking technologies”). Tracking technologies may collect certain types of information when you interact with our websites, mobile applications, and online products and services. For example, they may collect data about your interactions with our website, device, browser, operating system, and/or it may store or transmit identifiers that are unique to you or your browser.

We use tracking technologies for a variety of reasons, including to better manage content on our websites, to help us understand usage patterns, track your preferences and understand your interests, fix issues, improve our products and services, remember you, and personalize your online experience.

We partner with Microsoft Clarity and Microsoft Advertising to capture how you use and interact with our website through behavioral metrics, heatmaps, and session replay to improve and market our products/services. Website usage data is captured using first and third-party cookies and other tracking technologies to determine the popularity of products/services and online activity. Additionally, we use this information for site optimization, fraud/security purposes, and advertising. For more information about how Microsoft collects and uses your data, visit the Microsoft Privacy Statement.

Calculators & Other Tools

When you use our calculators and other tools, we may collect the number of people who use a certain tool. Some calculators and other tools may require registration or ask for your contact information. We may also set cookies or clear GIFs based upon your use.

For our calculators and other tools that require registration or ask for your contact information, we may use the contact information you provide to contact you directly with relevant services and offers.

Referral & Affiliate Programs

If you choose to use one of our referral services, we may ask for your friend’s/referral’s name and contact information, including email address.

Depending on the referral or affiliate service, we may contact your friend/referral and invite them to visit our website, sign up for services, or participate in other business activities with us. Your friend/referral may request that we remove their information from our system by clicking here. If you are a California resident, please see the “California Notice of Financial Incentive” provision below for more information or Referral or Affiliate programs.

Email Interconnectivity

If you receive email from us, we use certain tracking technologies, such as cookies, to capture data related to when you open our message or click on any links.

We collect this information to understand how you interact with our communications to you, including to gauge the effectiveness of our marketing campaigns.

Product or Service Purchases

We collect your name, billing address, shipping address, email address, phone number, and payment information when you purchase a product or service.

We use your information to provide you with and process your payment for the products or services you purchase. We use Intuit Quickbooks, Stripe & Zelle as our main payment processors. To see how they use your data please visit their respective websites to view their privacy policies.

Sweepstakes or Contests

When you participate in a sweepstakes or contest, we collect information about you, which includes contact information to notify you if you are selected. The information collected is subject to the applicable rules for the sweepstakes or contests.

We collect this information to operate the contest or sweepstakes, or for other purposes as permitted by applicable laws or sweepstakes rules. In some contexts, we are also required by law to collect information about those who enter into our sweepstakes.

Surveys

When you participate in a survey or poll, we collect information that you provide through the survey or poll. If the survey or poll is provided by a third-party service provider, the third party’s privacy policy applies to the collection, use, and disclosure of your information.

We collect this information to understand your opinions and compile information relevant to our organization.

Website Interactions

We use technology to monitor how you interact with our websites. This may include how you arrived on our website, which pages you visit, which links you click on, your mouse movements, your scrolling activity, device type, browser type, operating system, language, screen resolution, referring URL, any unique identifier we may assign when you use our services, etc.

We collect this information to understand how you interact with our websites to better improve them and our products and services, to understand your preferences and interests in order to select offerings that you might find most useful and to otherwise customize your experience with us and better serve you. We also collect this information to help detect and prevent fraud.

Web Logs

We collect information, including your browser type, operating system, IP address, internet service provider, unique device ID, domain name, click-activity, referring website, and/or a date/time stamp when you use our services.

We collect this information to monitor our networks and the visitors to our websites and users of our mobile applications. Among other things, it helps us analyze trends, administer our websites and mobile applications, gather broad demographic information for aggregate use, and understand which of our services is the most popular. It also may be used for security or fraud detection purposes.

SMS Messageing

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties

How We Use Information

In addition to the other purposes and uses described above, we may use information in the following ways, subject to applicable laws:

To provide you the products and services you request.
To contact you about products and services offered by us or another one of our affiliate companies.
To service and report on your account.
To provide customer and financial support, including through the use of artificial intelligence.
To identify you when you visit our websites or use our mobile applications.
To improve our services and products.
To communicate with you.
To send marketing and promotional materials, including newsletters, publications, or other information relating to our products, services, sales, or promotions, or those of our business partners.
To market to individuals who are not using but may be interested in our products and services.
To detect and protect against malicious, deceptive, fraudulent, or illegal activity, including violation of our policies and terms and conditions, security incidents, and harm to the rights, property, or safety of our company and our users, employees, or others, or to otherwise improve the security of our services.
To debug, identify, and repair errors that impair existing intended functionality of our websites and services.
To comply with our legal or regulatory obligations, to establish or exercise our rights, and to defend against a legal claim.
For internal administrative purposes, as well as to manage our relationships.
For such other purposes as permitted by law or that you consent to.

How We Disclose Information

In addition to the specific situations discussed elsewhere in this Notice, we may disclose personal information in the following situations as permitted by applicable law:

Persons Who Acquire Our Assets or Business. If another company acquires, or plans to acquire, our company, business, or our assets, we will also disclose information with that company, including at the negotiation stage.
Nonaffiliated Third Parties. We disclose information to other nonaffiliated third parties for our everyday business purposes, such as to process transactions, maintain account(s), report to credit bureaus, or respond to court orders or legal process.
IRS and State Taxing Authorities. The IRS and state taxing authorities may require or request that we disclose certain information to them. This information may include, but is not limited to, your name, Social Security Number, IP addresses, unique device identifiers, bank account numbers, and tax return preparation user activity metrics (e.g., time to complete the tax return).
Other Disclosures Without Your Consent. We may disclose information, including to nonaffiliated third parties, in response to subpoenas, warrants, or court orders, or in connection with any legal process, or to comply with relevant laws. We may also share your information in order to establish or exercise our rights, to defend against a legal claim, to investigate, prevent, or take action regarding possible illegal activities, suspected fraud, safety of person or property, or a violation of our policies, for our everyday business purposes (such as to process transactions or maintain accounts), or to comply with your request for the provision of products or services by a third-party intermediary.
Public. Some of our websites may provide the opportunity to post comments, or reviews, in a public forum. If you decide to submit information on these pages, that information may be publicly available.
Marketing Arrangements. We may disclose information we collect in connection with providing you with our tax preparation products and services to companies with whom we have a joint marketing arrangement.
Offerings by Our Partners through Our Services. We may offer products or services of our business partners (such as bank partners that offer the Refund Transfer product) through our services. We may disclose information that is related to such transactions with that business partner. This Notice does not apply to products or services offered by our business partners on or through our services.
Service Providers. We may disclose your information with service providers. Among other things, service providers may help us to administer our website, conduct surveys, provide technical support, process payments, supervise contests, analyze, and process data, and send marketing materials to you on our behalf.
Other Disclosures With Your Consent. We may disclose your information to other third parties when we have your consent or direction to do so.

Your Choices

You may make the following requests regarding your personal information, but please note the choices described in this Notice are not always available. We may limit or deny a request because the law permits or requires us to do so, the laws of the jurisdiction in which you reside do not provide you with one of the choices identified below, or we are unable to adequately verify your identity. We will not discriminate against individuals who exercise their privacy rights under applicable law.

Access to Your Personal Information. You may request access to your personal information or confirmation that we have information about you. In certain circumstances, you may also request access to your data in a portable, machine-readable format.
Changes to Your Personal Information. You may request that we correct information that is inaccurate or incomplete. Note that we may keep historical information in our backup files as permitted by law.
Deletion of Your Personal Information. You may request that we delete your personal information. If required by law, we will grant a request to delete information, but you should note that in many situations we must keep your personal information to comply with our legal obligations, resolve disputes, enforce our agreements, or for other business purposes.
Opt-Out of Targeted Advertising. You may opt-out of browser-based targeted advertising (e.g., behavioral advertising cookies) by clicking the “Your Privacy Choices” link on our homepage and following the instructions or by clicking Customize Settings. We do not currently recognize the “Do Not Track” signal. Note that if you change browsers or computers, or if you clear your browser’s cache, you may need to follow the instructions again to apply your preferences. Residents of certain states may also opt-out of other forms of targeted advertising (i.e., those that do not rely on browser-based tracking technologies) by clicking that link.
Promotional Emails. You can stop receiving promotional emails by following the unsubscribe instructions in emails that you receive. If you decide not to receive promotional emails we may still send you service-related communications. Please note that this paragraph applies only to personal information we obtain through your use of our services covered by this Notice.

Submitting Requests

You can submit requests relating to your personal information here or by contacting us as indicated in the “Contact Information” section.

We will request personal information from you, such as your name, address, state of residence, email address, phone number, last four digits of your social security number, and your birth year to verify your identity in order to process your request.

If you are a California resident, you may designate an authorized agent to submit a request on your behalf. To have an authorized agent submit a request on your behalf, we require you to submit a form that verifies your identity and that you have authorized the agent to act on your behalf. You may access that form here.

How We Protect & Retain Information

While we use reasonable administrative, technical, and physical efforts to protect your personal information from unauthorized access, use, or disclosure, we cannot guarantee the security of your personal information. In the event that we are required by law to inform you of a breach to your personal information, we may notify you electronically, in writing, or by telephone, if permitted to do so by law.

We retain your personal information for only as long as necessary to comply with applicable laws or regulatory requirements, serve you, maintain your account, operate our business, improve our offerings, or develop new ones, or otherwise fulfill the purposes outlined in this Notice, including satisfying any legal, accounting, or reporting requirements, unless a longer retention period is required or permitted by law. To determine the appropriate retention period for personal information, we consider the amount, nature, and sensitivity of the information, the potential risk of harm from unauthorized use or disclosure of the information, the purposes for which we obtained the information and whether we can achieve those purposes through other means, as well as applicable legal or regulatory requirements.

Transmission of Information to Other Countries

Subject to applicable laws, your information may be processed in a foreign country where privacy laws may be less stringent than the laws in your country. Nonetheless, where possible, we take steps to treat personal information using the same privacy principles that apply pursuant to the law of the country in which we first received your information. Subject to applicable laws, by submitting your personal information to us, you agree to the transfer, storage, and processing of your information in a country other than your country of residence including, but not necessarily limited to, the United States.

Third-Party Applications/Websites

For your convenience, we may provide links to websites and other third-party content or services that we do not own or operate. The websites and third-party content to which we link may have separate privacy notices or policies. Please note that we have no direct control over the privacy practices, websites, or services that we do not own. We encourage you to review the privacy policies of any third-party website or application for details about such third party’s privacy practices.

Changes to This Privacy Notice

We may change our privacy Notice and practices over time. To the extent that our policy changes in a material way, the policy that was in place at the time that you submitted personal information to us will govern that information unless we receive your consent to the new privacy policy. You can check the “Effective Date” legend at the bottom of this page to see when this Notice was last revised.

Contact Information

If you have any questions, comments, or complaints concerning our privacy practices, or if you need to access this Notice in an alternative format, please contact us by clicking here, by calling 702-622-4111 , or by writing us at the postal addresses listed below. We will attempt to respond to your requests and to provide you with additional privacy-related information.

Fintech Umbrella LLC

4840 W University Ave, Ste A1

Las Vegas, NV 89103

702-622-4111

If you have an unresolved privacy or data use concern that we have not addressed satisfactorily, please contact our U.S.-based third-party dispute resolution provider (free of charge) at https://feedback-form.truste.com/watchdog/request.

Additional Information for California Residents

California law requires us to disclose the following additional information related to our privacy practices. If you are a California resident, the following privacy disclosures apply to you in addition to the rest of the Notice.

California Shine the Light. If you would like more information concerning the categories of personal information (if any) we share with third parties or affiliates for those parties to use for direct marketing, please submit a written request to us using the information in the Contact Information section above.
California Notice of Financial Incentive.We may offer certain programs, such as our Referral or Affiliate program, which provides rewards and exclusive offers (the “Program”). When you sign up for the Program, we typically ask you to provide your name and contact information (such as your email address), as well as the contact information for individuals you will refer to us. Under California law, our Program might be interpreted as a “financial incentive” program, as it involves the collection of personal information. We do not assign a monetary value to the information we collect. Based on our reasonable estimate, the value of the personal information you provide to us is related to the value of the referral reward and free or discounted products or services offered through the Program. You or any person you refer to us may withdraw from participating in the Program at any time by contacting us here.
Categories of Personal Information Collected and Disclosed. California law requires organizations to disclose whether certain categories of personal information are collected, disclosed for an organization’s “business purpose,” “sold” and/or “shared” for purposes of cross-context behavioral advertising (as those terms are defined under California law). The following describes the categories of personal information we collect, disclose for a business purpose, and “share.” Please note that in addition to the recipients identified below, we may disclose any of the categories of personal information we collect to government entities, as may be needed to comply with law or prevent illegal activity, or professional services organizations, such as auditors and law firms. We do not “sell” your personal information for money. As discussed elsewhere in this Notice, we use cookies and similar tracking technologies for purposes of targeted advertising.
California Sensitive Information Disclosure. Some of the personal information we collect is considered “sensitive personal information” under California law. We may collect the following categories of sensitive personal information (as defined under California law): social security number, driver’s license, state identification card, or passport number; and account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account. This information is collected in order to process transactions, comply with laws, manage our business, or provide you with products and services. Note that we do not use such information for any purposes that are not identified within the California Privacy Rights Act Section 1798.121. We do not “sell” or “share” sensitive personal information for purposes of cross-context behavioral advertising.

Effective Date

This Notice was last updated and is effective January 1, 2024.

Scotty Tregellas

April 15, 2024

Recently moved to vegas/Nevada and was behind 3 years with multiple businesses. I was able to connect with Fintech, and I'm extremely grateful that I did. The team was great, and took care my wife, myself and all of my companies.

Cameron Hughes

March 8, 2024

Always professional and a pleasure to work with.

Tanner Frigaard

March 1, 2024

Fintech has helped me and several of my friends in the past few days! I am so thankful for their guidance and education as I continue to grow my business! I would highly recommend it!!

John H

February 7, 2024

Dane and Josh at Fintech Umbrella took the time to understand the specifics of my finances and tax position. They recommended sensible and reasonable actions to improve our overall financial outlook, and we saw immediate results. I intend to recommend them to friends for tax preparation and wealth management.

Mike Andrewes

November 2, 2023

Great business to work with for accounting, life insurance, bookkeeping, and more. You can quickly tell they care deeply about their clients and delivering value on a regular basis.

Brittani Prenger

May 2, 2023

Parrott and Associates got me back WAY more in my tax return than any other option that I was exploring. They got my taxes done fast and efficiently. I highly recommend them if you are looking for professionals who care about their clients.

Liliya Marinova

April 11, 2023

Joshua was awesome and I appreciate his friendly and professional approach throughout the process!

Ben Densmore

March 14, 2023

Best tax pros ever! Filed my LLC N my personal taxes perfectly ! I’ll never go anywhere else for my taxes again! Screw hr block n turbo tax!

Freddy Cerpas

February 25, 2023

Great service, very knowledgeable and explained everything in detail. Answered every question and more, highly recommended for your financial needs!!!

Travis Suzuki

February 23, 2023

Fully welcoming and Professionally done. Thanks so much P&A... much Alohas!