Privacy Policy

Effective Date: October 12, 2026

T&F Associates Inc. ("we," "us," or "our") respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect personal information through our website and in connection with our tax, accounting, bookkeeping, and payroll services.

1. Information We Collect

Depending on your interactions with us and the services you request, we may collect:

• Contact information: name, email address, telephone number, mailing address, and business information.
• Client and financial information: taxpayer identification numbers, dates of birth, tax returns, income records, banking information, payroll records, and other documents necessary to provide our services.
• Communications: information you provide through inquiries, appointment requests, emails, and our client portal.
• Website information: IP address, browser and device information, pages visited, and other technical data collected by our website and hosting providers.

We collect information directly from you and, when authorized or permitted by law, from your representatives, financial institutions, service providers, and government agencies.

2. How We Use Information

We use personal information to:

• Respond to inquiries and schedule appointments.
• Provide and manage the services you request.
• Prepare and submit tax returns, payroll filings, and other authorized documents.
• Communicate about your account, documents, deadlines, and invoices.
• Maintain business records and meet legal and professional obligations.
• Operate, maintain, and protect our website and systems.

Any use of tax return information is subject to applicable confidentiality and consent requirements.

3. How We Share Information

We do not sell or rent your personal information. We may disclose information, as authorized or permitted by applicable law, to:

• Service providers that support our operations, such as client portal, tax software, payroll, payment processing, document storage, and website hosting providers.
• Government agencies, including the IRS and state tax authorities, in connection with authorized filings, representation, or legal requirements.
• Your authorized representatives, when you direct us to share information.
• Other parties, when legally required or permitted, such as in response to a valid subpoena or court order.
• Mobile Information and SMS Privacy: We do not share mobile phone numbers or other mobile information with third parties or affiliates for marketing or promotional purposes. SMS opt-in data and consent will not be shared with any third parties.

We limit disclosures to information appropriate for the relevant purpose. Where separate consent is required to use or disclose tax return information, we obtain that consent. This Privacy Policy does not itself provide that consent.

4. Cookies and Website Technologies

Our website and its providers may use cookies or similar technologies to support website functionality and security.

You can manage cookies through your browser settings. Disabling certain cookies may affect website functionality.

5. Protecting Your Information

We maintain administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, or disclosure. Access to client information is limited to personnel and providers who need it for authorized purposes.

No method of electronic transmission or storage is completely secure. Please use our designated client portal to submit sensitive financial documents. Do not include Social Security numbers, banking details, or tax documents in general website contact forms.

6. Information Retention

We retain information for as long as reasonably necessary to provide our services, maintain required records, comply with legal and professional obligations, and resolve disputes. Retention periods vary depending on the type of record and applicable requirements.

7. Your Choices and Requests

You may contact us to request corrections to your information or ask about our privacy practices. Depending on applicable law, you may have additional rights regarding access to or deletion of personal information.

Certain records must be retained to meet legal or professional obligations. We may verify your identity before responding to a request.

If you receive promotional emails from us, you may unsubscribe using the instructions in those messages. We may continue sending communications necessary to provide your services.

8. Third-Party Websites and Services

Our website may link to third-party websites or services, including our client portal. Those providers have their own privacy policies, which we encourage you to review.

9. Children's Privacy

Our website is intended for adults and is not directed to children under 13. We may collect information about dependents when an adult client provides it for tax preparation or other authorized services.

10. Changes to This Policy

We may update this Privacy Policy as our practices or legal requirements change. Updates will be posted on this page with a revised effective date. Where required, we will provide additional notice or obtain consent.

11. Contact Us

For questions about this Privacy Policy or requests concerning your information, contact:

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