PRIVACY POLICY

Effective Date: October 6, 2026
Last Updated: October 6, 2026

Factzz Financial Services Limited, LLC (“Factzz Financial Services,” “Factzz,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal, financial, tax, and other information entrusted to us.

This Privacy Policy explains how we collect, use, disclose, retain, and protect information when you visit our website, use our services, submit information through our online forms, communicate with us electronically, or participate in our telephone or SMS/text messaging programs.

By using our website or services, you acknowledge that you have read and understood this Privacy Policy. Certain services may be subject to additional privacy notices, consents, disclosures, or agreements.

1. INFORMATION WE COLLECT

Depending on the services you request and how you interact with us, we may collect the following categories of information:

A. Personal Information

We may collect information such as:

Full legal name;
Date of birth;
Mailing and residential addresses;
Email addresses;
Telephone and mobile telephone numbers;
Identification information;
Account or login information;
Signatures and electronic signatures;
Information you submit through forms or applications;
Communications between you and Factzz Financial Services.

B. Tax and Financial Information

When you use our tax preparation, financial, or related services, we may collect information necessary to provide those services, including:

Social Security numbers and taxpayer identification numbers;
Employer identification numbers;
Income information;
Wage and employment information;
Tax forms and schedules;
Bank account and routing information;
Information concerning dependents;
Investment and retirement information;
Business financial information;
Transaction information;
Credit or financial information where necessary for a requested service;
Information concerning deductions, credits, assets, liabilities, and other tax matters; and
Other tax-return or financial information you voluntarily provide to us.

Because tax-return information is subject to federal restrictions governing its use and disclosure, Factzz Financial Services will handle such information in accordance with applicable federal law, including applicable requirements under Internal Revenue Code §7216 and related Treasury regulations.

Federal law generally requires a tax return preparer to obtain a taxpayer's consent before using or disclosing tax-return information when the disclosure or use is not otherwise authorized by law.

C. Website and Technical Information

When you visit our website, we may automatically collect certain technical information, including:

IP address;
Browser type;
Device type;
Operating system;
Approximate geographic information derived from IP address;
Pages visited;
Date and time of visits;
Referring website;
Website interaction information;
Cookies and similar technologies; and
Other information reasonably necessary to maintain website security and functionality.

D. Communications Information

If you communicate with us by telephone, email, SMS/text message, online chat, social media, website forms, or other communication channels, we may retain information necessary to respond to and document those communications.

2. HOW WE USE INFORMATION

We may use information we collect to:

Provide tax preparation and financial services;
Prepare, process, transmit, and support tax returns;
Communicate with you about requested services;
Respond to questions and customer-service requests;
Process applications and forms;
Process payments and transactions;
Provide account-related notifications;
Send service-related communications;
Send appointment, deadline, document, or status reminders;
Send requested SMS/text messages;
Administer promotions, events, or customer programs;
Authenticate users and protect accounts;
Detect, prevent, and investigate fraud, unauthorized activity, and security incidents;
Maintain and improve our website and services;
Comply with legal and regulatory requirements;
Enforce our agreements and policies; and
Perform other purposes permitted or authorized by applicable law.

We will not use tax-return information for a purpose requiring taxpayer consent unless the required consent has been obtained or the use is otherwise permitted by law.

3. TAX RETURN INFORMATION

Factzz Financial Services recognizes that tax-return information is highly sensitive.

We will not sell your tax-return information.

We will not disclose or use tax-return information for purposes unrelated to tax-return preparation or other legally permitted purposes unless such disclosure or use is authorized by applicable law or you provide a valid consent when consent is required.

Where federal law requires a taxpayer consent for disclosure or use of tax-return information, the consent will be presented separately and will identify the applicable disclosure or use as required by law.

A general acceptance of this Privacy Policy does not constitute a substitute for a separate consent required under Internal Revenue Code §7216 or applicable Treasury regulations.

Where applicable, a §7216 consent must be knowing and voluntary and must satisfy applicable federal requirements concerning the purpose, recipient, information involved, and method of consent.

4. SMS/TEXT MESSAGE PRIVACY AND CONSENT

Factzz Financial Services may offer SMS/text messaging programs for customer service, appointment reminders, tax-related communications, account notifications, promotional communications, and other communications for which you have provided appropriate consent.

A. SMS Consent

By providing your mobile telephone number and affirmatively opting in to receive SMS/text messages from Factzz Financial Services, you consent to receive text messages from us at the mobile number you provided, subject to the scope of the consent you provided.

Your consent to receive marketing or promotional text messages is not a condition of purchasing goods or services from Factzz Financial Services.

Where applicable, we will provide a separate SMS disclosure at the point where your telephone number is collected.

B. Message Frequency

Message frequency may vary depending on your relationship with us, the services you request, and the messaging program to which you subscribe.

C. Message and Data Rates

Message and data rates may apply.

Your wireless carrier's standard messaging and data rates may apply to SMS messages you receive from us.

D. How to Opt Out

You may opt out of receiving SMS messages at any time by replying:

STOP

to the number from which you received our message.

You may also contact us using the contact information provided below to request removal from an SMS program.

After receiving an opt-out request, we will take reasonable steps to process the request and cease sending additional messages associated with the applicable SMS program, except where a message is permitted or required by law or is necessary to process the opt-out request.

Industry messaging best practices recommend that organizations provide consumers with clear opt-out mechanisms and honor opt-out requests.

E. Help

For assistance with our SMS program, reply:

HELP

or contact us using the contact information provided in this Privacy Policy.

F. SMS Consent Is Not a Condition of Service

You are not required to consent to receive marketing text messages from Factzz Financial Services in order to purchase or receive our services.

If you decline promotional SMS communications, you may still receive certain transactional, administrative, security, or service-related communications when permitted by applicable law and reasonably necessary to provide services you have requested.

G. No Sale or Rental of SMS Information

Factzz Financial Services does not sell or rent your mobile telephone number or SMS opt-in information to third parties for their own independent marketing purposes.

SMS opt-in data and consent records will not be shared with third parties for their own marketing purposes.

We may disclose information to vendors and service providers that perform services on our behalf, such as messaging, communications, technology, customer-support, payment-processing, security, or administrative services, subject to applicable contractual and legal requirements.

5. SMS CONSENT RECORDS

When you opt in to an SMS program, we may maintain records of:

The telephone number associated with the consent;
The date and time of consent;
The method through which consent was obtained;
The disclosure presented when consent was obtained;
The messaging program associated with the consent;
Opt-out requests;
HELP requests; and
Other information reasonably necessary to demonstrate compliance and administer the messaging program.

We may retain these records for as long as reasonably necessary to administer the program, comply with legal obligations, resolve disputes, prevent unauthorized messaging, and demonstrate compliance.

6. COOKIES AND TRACKING TECHNOLOGIES

Our website may use cookies, pixels, analytics tools, session technologies, and similar technologies.

These technologies may be used to:

Keep the website functioning;
Remember preferences;
Analyze website traffic;
Improve website performance;
Detect fraud and security threats;
Understand how visitors interact with our website; and
Support advertising or marketing activities where permitted.

You may be able to control cookies through your browser settings. Disabling certain cookies may affect website functionality.

7. HOW WE SHARE INFORMATION

We may disclose information when reasonably necessary to provide our services or for legitimate business, legal, security, or operational purposes.

Depending on the circumstances, recipients may include:

Tax preparation software providers;
Electronic filing providers;
Payment processors;
Banking or financial service providers;
Cloud-storage providers;
Customer relationship management providers;
SMS and telecommunications providers;
Website hosting providers;
Technology and cybersecurity providers;
Professional advisers;
Attorneys, accountants, auditors, and consultants;
Government agencies and taxing authorities;
Law enforcement or regulatory authorities when legally required;
Service providers acting on our behalf; and
Other persons or entities when you have provided appropriate authorization or consent.

Where tax-return information is involved, disclosures will be made only when permitted or authorized under applicable federal law.

8. SERVICE PROVIDERS

We may use third-party companies and contractors to provide services necessary to operate our business.

These providers may have access to personal or customer information only to the extent reasonably necessary to perform their contracted services.

Where appropriate, we require service providers to maintain reasonable administrative, technical, and physical safeguards and to use information consistently with applicable contractual and legal requirements.

The FTC's Safeguards Rule requires covered financial institutions, including tax preparation firms, to maintain an information-security program designed to protect customer information.

9. DATA SECURITY

Factzz Financial Services takes the security and confidentiality of customer information seriously.

Depending on the nature of the information and the circumstances, we may use administrative, technical, and physical safeguards designed to protect information against:

Unauthorized access;
Unauthorized disclosure;
Unauthorized use;
Alteration;
Loss;
Destruction; and
Other reasonably anticipated security threats.

Security measures may include access controls, authentication, encryption where appropriate, secure transmission methods, employee and contractor controls, monitoring, data-minimization practices, and other safeguards.

However, no electronic transmission, website, database, or storage system can be guaranteed to be completely secure.

10. DATA RETENTION

We retain information for as long as reasonably necessary to:

Provide requested services;
Maintain appropriate business and tax records;
Comply with legal and regulatory obligations;
Resolve disputes;
Enforce agreements;
Prevent fraud;
Maintain security; and
Fulfill legitimate business purposes.

Retention periods may vary depending upon the type of information and the purpose for which it was collected.

Certain tax, accounting, legal, financial, and regulatory records may be required to be retained for specific periods.

11. YOUR PRIVACY CHOICES

Depending on applicable law, you may have rights concerning your personal information, including the right to:

Request information about how your personal information is collected or used;
Request access to certain personal information;
Request correction of inaccurate information;
Request deletion of information where legally permitted;
Opt out of certain marketing communications;
Opt out of promotional SMS messages;
Withdraw certain consents; and
Request information concerning certain disclosures.

Some information may not be eligible for deletion or access because of legal, regulatory, tax, accounting, security, fraud-prevention, or other legitimate requirements.

Requests concerning tax-return information may be subject to additional federal requirements.

12. MARKETING COMMUNICATIONS

You may receive emails, telephone calls, SMS messages, direct mail, or other communications regarding services, promotions, events, or other offerings where permitted by applicable law and consistent with the consent you provided.

You may unsubscribe from marketing emails by using the unsubscribe mechanism contained in the applicable email.

For SMS messages, reply STOP to opt out.

Opting out of marketing communications does not necessarily prevent us from sending transactional, administrative, security, or service-related communications.

13. CHILDREN'S PRIVACY

Our services are generally directed toward adults.

We do not knowingly collect personal information from children in violation of applicable law.

If you believe that a child has provided personal information to us without appropriate authorization, please contact us so that we can evaluate and, where appropriate, delete the information.

14. THIRD-PARTY WEBSITES AND SERVICES

Our website may contain links to websites, applications, payment services, financial institutions, social-media platforms, or other third-party services.

We are not responsible for the privacy practices, security practices, content, or policies of third-party websites or services.

You should review the privacy policies of third parties before providing them with personal information.

15. SOCIAL MEDIA

Factzz Financial Services may maintain social-media accounts and may provide links to social-media platforms.

Interactions with our social-media pages may be subject to the privacy policies and terms of the applicable social-media platform.

Information voluntarily posted publicly may be visible to others.

We encourage users not to publicly post Social Security numbers, taxpayer identification numbers, financial account numbers, tax documents, passwords, or other confidential information.

16. DO NOT SEND CONFIDENTIAL TAX INFORMATION THROUGH UNSECURED CHANNELS

For your protection, please do not send Social Security numbers, complete tax returns, bank-account information, passwords, identification documents, or other highly sensitive information through ordinary email, social-media messages, or other unsecured communication channels unless specifically instructed by Factzz Financial Services.

Where available, use the secure document-upload or client-portal system provided by Factzz Financial Services.

17. BUSINESS TRANSFERS

If Factzz Financial Services undergoes a merger, acquisition, restructuring, financing, sale of assets, bankruptcy proceeding, or other business transaction, personal information may be transferred as part of that transaction, subject to applicable law and contractual obligations.

Any successor entity will be expected to handle personal information in accordance with applicable legal requirements and applicable privacy commitments.

18. LEGAL DISCLOSURES

We may disclose information when we reasonably believe disclosure is necessary to:

Comply with applicable law, regulation, subpoena, court order, or legal process;
Respond to a governmental or regulatory request;
Protect the rights, property, or safety of Factzz Financial Services;
Protect the rights, property, or safety of customers or other persons;
Detect or prevent fraud or security incidents;
Investigate suspected unlawful activity; or
Enforce our agreements, policies, or legal rights.

Where legally required, we will limit disclosures to the information reasonably necessary for the applicable purpose.

19. YOUR RESPONSIBILITY FOR INFORMATION YOU PROVIDE

You are responsible for ensuring that information you provide to Factzz Financial Services is accurate and complete.

If you provide information concerning another individual, you represent that you have the authority or appropriate permission to provide that information when such authorization is required.

20. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time to reflect changes in our services, technology, business practices, legal requirements, or privacy practices.

When we make changes, we may update the “Last Updated” date at the top of this Privacy Policy.

Your continued use of our website or services after an updated Privacy Policy becomes effective constitutes acknowledgment of the updated policy, to the extent permitted by applicable law.

21. CONTACT US

If you have questions, concerns, requests, or complaints concerning this Privacy Policy or our privacy practices, please contact:

Factzz Financial Services Limited, LLC

(334) 610-0411

info@factzzfs.com

For SMS-related requests, you may also reply STOP to any Factzz Financial Services text message to opt out of the applicable messaging program.

22. IMPORTANT PRIVACY AND SMS NOTICE

Nothing in this Privacy Policy is intended to reduce or waive any privacy, consumer-protection, telecommunications, tax-preparer, financial-privacy, or other rights provided to consumers under applicable federal or state law.

Where a separate consent, authorization, disclosure, or notice is legally required, including a consent concerning the use or disclosure of tax-return information, this Privacy Policy does not replace that separate document.

Factzz Financial Services will seek to obtain and maintain any legally required consent or authorization separately and in the manner required by applicable law.