Privacy Policy

This Privacy Policy describes how Jobcard Financial LLC collects, uses, discloses, and protects personal information obtained through our website (jobcardfinancial.com) and through the provision of our bookkeeping and financial management Services. This policy is designed to comply with the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), the California Online Privacy Protection Act (CalOPPA), and other applicable privacy laws.

1. Information We Collect

a. Information You Provide Directly

When you interact with our website or engage our Services, we may collect:

• Contact information: Name, email address, phone number, business name, and business address
• Business information: Trade type, approximate annual revenue, accounting software used, and number of employees
• Financial data (for engaged clients): Transaction records, bank statements, invoices, receipts, general ledger data, accounts receivable and payable records, payroll summaries, and other financial documents provided through QuickBooks or other accounting platforms
• Communications: Messages, emails, and other correspondence with our team

b. Information Collected Automatically

When you visit our website, we may automatically collect:

• IP address, browser type, and operating system
• Pages visited, time spent on pages, and referring URL
• Device type and screen resolution
• Cookies and similar tracking technologies (see Section 7)

c. Information from Third-Party Platforms

For engaged clients, we access financial data through authorized connections to QuickBooks Online, QuickBooks Desktop, and bank feed integrations using OAuth 2.0 authentication or equivalent secure access methods. We access only the data necessary to perform the contracted Services.

2. How We Use Your Information

We use the information we collect for the following purposes:

• To provide, maintain, and improve our bookkeeping and financial management Services
• To prepare financial statements, reports, and other deliverables
• To communicate with you about your account, services, and support requests
• To respond to inquiries and process Back Office Assessment and partnership requests
• To analyze website usage and improve our website and user experience
• To comply with legal obligations and enforce our Terms of Service
• To protect against fraud, unauthorized access, and security threats

3. Information Sharing and Disclosure

Jobcard Financial does not sell, rent, or share your personal information with third parties for their marketing purposes.

We may share information in the following limited circumstances:

• Service providers: We share data with trusted service providers who assist us in delivering our Services (e.g., cloud hosting, accounting software platforms, CRM providers such as HubSpot for lead management, document storage, and analytics infrastructure). These providers are contractually obligated to protect your information and use it only for the services they provide to us.
• With client consent: We may share client financial reports with the client's CPA, lender, or other third parties if the client provides explicit written authorization.
• Legal requirements: We may disclose information if required by law, regulation, subpoena, court order, or governmental request.
• Business transfers: In the event of a merger, acquisition, or sale of assets, personal information may be transferred as part of the transaction, subject to applicable privacy protections.
• Protection of rights: We may disclose information to protect the rights, safety, or property of Jobcard Financial, our clients, or others.
• Anonymized and aggregated data: We may use anonymized and aggregated data for industry benchmarking purposes. This data does not identify any individual or business and cannot be traced back to you.

4. Your Rights Under California Law (CCPA/CPRA)

If you are a California resident, you have the following rights under the CCPA and CPRA:

• Right to Know: You have the right to request that we disclose the categories and specific pieces of personal information we have collected about you, the sources of that information, the business purposes for collection, and the categories of third parties with whom we share it.
• Right to Delete: You have the right to request deletion of your personal information, subject to certain exceptions (e.g., if we need to retain it for legal compliance or to complete a transaction).
• Right to Correct: You have the right to request correction of inaccurate personal information we maintain about you.
• Right to Opt-Out of Sale/Sharing: We do not sell or share your personal information for cross-context behavioral advertising. If this practice changes, we will provide a "Do Not Sell or Share My Personal Information" link.
• Right to Limit Use of Sensitive Personal Information: You have the right to limit our use of sensitive personal information to purposes necessary to perform our Services.
• Right to Non-Discrimination: We will not discriminate against you for exercising any of your privacy rights.

To exercise any of these rights, please contact us at info@jobcardfinancial.com. We will respond to verified requests within 45 days, as required by law.

5. Data Security

We implement commercially reasonable administrative, technical, and physical security measures to protect your personal and financial information from unauthorized access, use, alteration, or disclosure. These measures include encrypted data transmission (TLS/SSL), access controls, secure cloud infrastructure, and regular security assessments.

No method of electronic transmission or storage is completely secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Data Breach Notification

In the event of a security breach involving your personal information, Jobcard Financial will notify affected individuals within thirty (30) calendar days of discovery, in accordance with California Civil Code Section 1798.82. Notification will include a description of the breach, the types of information involved, steps we are taking to address it, and recommended actions for affected individuals.

If a breach affects more than 500 California residents, we will also notify the California Attorney General.

7. Cookies and Tracking Technologies

Our website uses first-party analytics to track page views, form interactions, and CTA clicks. Analytics data is collected by default (opt-out model). You can opt out of analytics tracking via the cookie banner displayed on your first visit, or by clicking "Do Not Sell My Information" in our website footer.

We do not use third-party advertising cookies. We do not engage in cross-context behavioral advertising. We respect "Do Not Track" browser signals.

8. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, comply with legal obligations (including IRS record retention requirements of generally seven years for financial records), resolve disputes, and enforce our agreements.

Upon termination of an engagement, we will retain client data for the period specified in the Engagement Letter or as required by law. Clients may request deletion of their data after the applicable retention period by contacting us.

9. Children's Privacy

Our website and Services are not directed to individuals under the age of 16. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child under 16, we will take steps to delete such information promptly.

10. Third-Party Links

Our website may contain links to third-party websites or services. We are not responsible for the privacy practices or content of those third parties. We encourage you to review the privacy policies of any third-party sites you visit.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. Material changes will be posted on this page with an updated effective date. We encourage you to review this policy periodically.