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Privacy Policy

One Cent Financial Services, LLC

Effective Date: November 10, 2026

IMPORTANT NOTICE REGARDING TEXT MESSAGING DATAOne Cent Financial Services, LLC ("One Cent," "we," "us," or "our") DOES NOT share customer opt-in information, including phone numbers and consent records, with any affiliates or third parties for marketing, promotional, or any other purposes unrelated to providing our direct services. All text messaging originator opt-in data is kept strictly confidential.

1. Information We Collect

Personal Information:

  • Name, email address, phone number, and mailing address
  • Tax and financial information you provide so we can prepare your return or deliver credit and business services, such as income documents, Social Security numbers, dependent information, and bank details for refunds
  • Payment information when you pay for our services
  • Opt-in records and timestamps for all communication channels (SMS, email, etc.)

Non-Personal Information:

  • IP address, browser type, and device information
  • Website usage patterns and analytics
  • Cookies and similar technologies

Customer Communication:

  • Records of inquiries and service requests
  • Appointment details and preferences
  • Service history and feedback

2. How We Use Your Information

  • Preparing and filing your tax returns and providing the tax, credit, and business formation services you request
  • Processing payments
  • Communicating with you about your inquiries, appointments, documents, and filing status
  • Sending promotional updates only when you have separately agreed to receive them
  • Improving our website and services
  • Ensuring security and preventing fraud
  • Maintaining records of your communication preferences and consent

3. Tax Return Information

We use the information you provide for your tax return only to prepare and file your return and to provide the services you request. We do not use or disclose your tax return information for any other purpose without your written consent, except as permitted or required by law. Tax return information is never sold.

Please do not send Social Security numbers or tax documents by text message or email. Use our secure Client Portal to upload documents.

4. SMS Messaging & Compliance

By opting in to text messages from One Cent Financial Services, you agree to receive messages about our services, including appointment reminders, document requests, filing status updates, and customer support. Promotional messages are sent only if you separately opt in to them.

Opt-In & Consent:

  • You will only receive messages if you have explicitly opted in
  • Consent to receive text messages is not a condition of any purchase
  • We keep timestamped records of all opt-in actions
  • We comply with the Telephone Consumer Protection Act (TCPA) and all applicable laws

Opt-Out Instructions:

  • Reply "STOP" at any time to cancel text messages
  • You will receive one final confirmation message, and no further messages will be sent unless you opt in again
  • All opt-out requests are processed immediately

Message Frequency & Content:

  • Message frequency varies based on your interactions with us
  • Messages relate directly to the services you have requested
  • We do not send promotional content without specific consent

Help & Support:

Carrier Information:

  • Message and data rates may apply
  • Carriers are not liable for delayed or undelivered messages
  • Supported carriers include AT&T, Verizon, T-Mobile, and most regional carriers

SMS Data Protection Statement

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing with subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

5. Information Sharing & Disclosure

We do not sell, rent, or trade personal information. We may share information with:

Service Providers:

  • Vendors that help us operate, such as our secure client portal, tax software and e-filing providers, payment processors, and appointment scheduling tools
  • The IRS and state tax agencies, when we file returns you have authorized
  • SMS aggregators and providers, solely to deliver messages you have agreed to receive
  • All service providers must keep your information confidential and secure

Legal Compliance:

  • When required by law, legal process, or to protect our rights
  • In response to valid law enforcement requests or court orders

Business Transfers:

  • In case of a merger, acquisition, or sale of assets, your data remains protected under this policy

All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties, excluding aggregators and providers of the text message services.

6. Data Security

We use reasonable administrative, technical, and physical safeguards to protect your information, including:

  • Encryption of sensitive data in transit and at rest
  • A secure Client Portal for document uploads
  • Access controls so only authorized staff can see client files
  • Staff training on data protection
  • Breach notification in line with applicable law
  • Secure backups

No method of transmission over the internet or electronic storage is 100% secure, so we cannot guarantee absolute security.

7. Cookies & Tracking Technologies

We use cookies and similar technologies to analyze site traffic, remember your preferences, and improve our website. You can control cookies through your browser settings. Disabling cookies may limit some website features.

8. Your Rights & Choices

  • Access, update, or delete your personal information, subject to records we must keep by law
  • Unsubscribe from marketing emails using the link in any email
  • Opt out of text messages by replying "STOP"
  • Ask how we process your data
  • Withdraw consent for future communications at any time

To exercise these rights, contact us using the information in Section 11.

9. Third-Party Links

Our website may link to third-party websites, such as our client portal or government sites. We are not responsible for their privacy practices. This policy applies only to information collected by One Cent Financial Services, LLC.

10. Changes to This Privacy Policy

We may update this policy from time to time. The latest version will always be on our website with its effective date. For significant changes, we will notify you by email or through a notice on our website.

11. Contact Us

One Cent Financial Services, LLC
8440 NW 27th Ave, Unit 112, Miami, FL 33147
Phone: 305-903-8648
Email: [email protected]
Website: 1centfinancial.com

By using our website and services, you consent to this Privacy Policy. See also our Terms & Conditions.