Privacy Notice

anuary 01, 2025

This Privacy Notice for PLS FINANCIAL INC (doing business as PLS FINANCIAL) (“we,” “us,” or “our“), describes how and why we might access, collect, store, use, and/or share (“process“) your personal information when you use our services (“Services“), including when you:

Visit our website at https://plsfinancialinc.com, or any website of ours that links to this Privacy Notice Use Tax Preparation Services. We specialize in the preparation of: Tax Return Preparation – Federal and State Resident Returns – 1040EZ, 1040A, 1040

Non-Resident Returns – 1040NR, 1040NR-EZ

Amendment returns – 1040X Trust Return- 1041

Engage with us in other related ways, including any sales, marketing, or events

Questions or concerns? Reading this Privacy Notice will help you understand your privacy rights and choices. We are responsible for making decisions about how your personal information is processed. If you disagree with our policies and practices, please do not use our Services. If you still have any questions or concerns, please get in touch with us at [email protected].

SUMMARY OF KEY POINTS

This summary provides key points from our Privacy Notice, but you can find out more details about any of these topics by clicking the link following each key point or by using our table of contents below to find the section you are looking for.

What personal information do we process? When you visit, use, or navigate our Services, we may process personal information depending on how you interact with us and the Services, the choices you make, and the products and features you use. Learn more about the personal information you disclose to us.

Do we process any sensitive personal information? Some of the information may be considered “special” or “sensitive” in certain jurisdictions, for example, your racial or ethnic origins, sexual orientation, and religious beliefs. We do not process sensitive personal information.

 Do we collect any information from third parties? We do not collect any information from third parties.

 How do we process your information? We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent. We process your information only when we have a valid legal reason to do so. Learn more about how we process your information.

 In what situations and with which types of parties do we share personal information? We may share information in specific situations and with specific categories of third parties. Learn more about when and with whom we share your personal information.

 How do we keep your information safe? We have adequate organizational and technical processes and procedures in place to protect your personal information. However, no electronic transmission over the internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. Learn more about how we keep your information safe.

 What are your rights? Depending on where you are located geographically, the applicable privacy law may mean you have certain rights regarding your personal information. Learn more about your privacy rights.

 How do you exercise your rights? The easiest way to exercise your rights is by submitting a data subject access request, or by contacting us. We will consider and act upon any request in accordance with applicable data protection laws.

Want to learn more about what we do with any information we collect? Review the Privacy Notice in full.

 

TABLE OF CONTENTS                                                                                                        

 

  1. WHAT INFORMATION DO WE COLLECT?
  2. HOW DO WE PROCESS YOUR INFORMATION?
  3. WHAT LEGAL BASES DO WE RELY ON TO PROCESS YOUR PERSONAL INFORMATION?
  4. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?
  5. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?
  6. HOW LONG DO WE KEEP YOUR INFORMATION?
  7. HOW DO WE KEEP YOUR INFORMATION SAFE?
  8. DO WE COLLECT INFORMATION FROM MINORS?
  9. WHAT ARE YOUR PRIVACY RIGHTS?
  10. CONTROLS FOR DO-NOT-TRACK FEATURES
  11. DO UNITED STATES RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?
  12. DO WE MAKE UPDATES TO THIS NOTICE?
  13. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?
  14. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?

 

1. WHAT INFORMATION DO WE COLLECT?

Personal information you disclose to us

 In Short: We collect personal information that you provide to us.

 We collect personal information that you voluntarily provide to us when you register on the Services, express an interest in obtaining information about us or our products and Services, when you participate in activities on the Services, or otherwise when you contact us.

 Personal Information Provided by You. The personal information that we collect depends on the context of your interactions with us and the Services, the choices you make, and the products and features you use. The personal information we collect may include the following:

    • names
    •  phone numbers
    •  email addresses
    • mailing addresses

Sensitive Information. We do not process sensitive information.

Payment Data. We may collect data necessary to process your payment if you choose to make purchases, such as your payment instrument number, and the security code associated with your payment instrument. All payment data is handled and stored by CPACharge. You may find their privacy notice link(s) here: https://www.cpacharge.com/terms/privacy/.

 All personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes to such personal information.

 

Google API

 Our use of information received from Google APIs will adhere to Google API Services User Data Policy, including the Limited Use requirements.

 

2. HOW DO WE PROCESS YOUR INFORMATION?

 In Short: We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to

comply with law. We may also process your information for other purposes with your consent.

 

We process your personal information for a variety of reasons, depending on how you interact with our Services, including:

To facilitate account creation and authentication and otherwise manage user accounts. We may process your information so you can create and log in to your account, as well as keep your account in working order.

To deliver and facilitate delivery of services to the user. We may process your information to provide you with the requested service.

To respond to user inquiries/offer support to users. We may process your information to respond to your inquiries and solve any potential

issues you might have with the requested service.

To save or protect an individual’s vital interest. We may process your information when necessary to save or protect an individual’s vital

interest, such as to prevent harm.

 

3. WHAT LEGAL BASES DO WE RELY ON TO PROCESS YOUR INFORMATION?

 

In Short: We only process your personal information when we believe it is necessary and we have a valid legal reason (i.e., legal basis) to do so under applicable

law, like with your consent, to comply with laws, to provide you with services to enter into or fulfill our contractual obligations, to protect your rights, or to fulfill our legitimate business interests.

 

If you are located in the EU or UK, this section applies to you.

The General Data Protection Regulation (GDPR) and UK GDPR require us to explain the valid legal bases we rely on in order to process your personal
information. As such, we may rely on the following legal bases to process your personal information:

Consent. We may process your information if you have given us permission (i.e., consent) to use
your personal information for a specific purpose. You can withdraw your consent at any time. Learn
more about withdrawing your consent.

Performance of a Contract. We may process your personal information when we believe it is necessary to fulfill our contractual obligations to you, including providing our Services or at your request prior to entering into a contract with you.

Legal Obligations. We may process your information where we believe it is necessary for compliance with our legal obligations, such as to
cooperate with a law enforcement body or regulatory agency, exercise or defend our legal rights, or disclose your information as evidence in litigation in which we are involved.

Vital Interests. We may process your information where we believe it is necessary to protect your
vital interests or the vital interests of a third party, such as situations involving potential
threats to the safety of any person.

If you are located in Canada, this section applies to you.

We may process your information if you have given us specific permission (i.e., express consent) to
use your personal information for a specific purpose, or in situations where your permission can be
inferred (i.e., express consent). You can withdraw your consent at any time.

In some exceptional cases, we may be legally permitted under applicable law to process your information without your consent, including, for example: 

      • If collection is clearly in the interests of an individual and consent cannot be obtained in a timely way
      • For investigations and fraud detection and prevention
      • For business transactions provided certain conditions are met

      • If it is contained in a witness statement and the collection is necessary to assess, process, or
        settle an insurance claim

      • For identifying injured, ill, or deceased persons and communicating with next of kin

      • If we have reasonable grounds to believe an individual has been, is, or may be victim of financial abuse

      • If it is reasonable to expect collection and use with consent would compromise the availability or the accuracy of the information and the
        collection is reasonable for purposes related to investigating a breach of an agreement or a contravention of the laws of Canada or a province

      • If disclosure is required to comply with a subpoena, warrant, court order, or rules of the court relating to the production of records

      • If it was produced by an individual in the course of their employment, business, or profession and the collection is consistent with the purposes for which the information was produced

      • If the collection is solely for journalistic, artistic, or literary purposes

      • If the information is publicly available and is specified by the regulations

        4. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?

        In Short: We may share information in specific situations described in this section and/or with the
        following categories of third parties.

        Vendors, Consultants, and Other Third-Party Service Providers. We may share your data with third- party vendors, service providers,
        contractors, or agents (“third parties”) who perform services for us or on our behalf and require  access to such information to do that work. We have contracts in place with our third parties, which are designed to help safeguard your personal information. This means that they cannot do anything with your personal information unless we have instructed them to do it. They will also not share your personal information with any organization apart from us. They also commit to protect the data they hold on our behalf and to retain it for the period we instruct.

        The categories of third parties we may share personal information with are as follows:

         User Account Registration & Authentication Services

      • Payment Processors

      • Government Entities Finance & Accounting Tools

      • Data Storage Service Providers

      • Communication & Collaboration Tools

      • Ad Networks

      • Affiliate Marketing Programs

      • Website Hosting Service Providers

 We also may need to share your personal information in the following situations:

Business Transfers. We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.

When we use Google Maps Platform APIs. We may share your information with certain Google Maps Platform APIs (e.g., Google Maps API, Places API). Google Maps uses GPS, Wi-Fi, and cell towers to estimate your location. GPS is accurate to about 20 meters, while Wi-Fi and cell towers help improve accuracy when GPS signals are weak, like indoors. This data helps Google Maps provide directions, but it is not always perfectly precise.

  • 5. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?

    In Short: We may use cookies and other tracking technologies to collect and store your information.

    We may use cookies and similar tracking technologies (like web beacons and pixels) to gather
    information when you interact with our Services. Some online tracking technologies help us maintain the security of our Services and your account, prevent
    crashes, fix bugs, save your preferences, and assist with basic site functions.

    We also permit third parties and service providers to use online tracking technologies on our Services for analytics and advertising, including to help manage and display advertisements, to tailor advertisements to your interests, or to send abandoned shopping cart reminders (depending on your communication
    preferences). The third parties and service providers use their technology to provide advertising about products and services tailored to your interests which may appear either on our Services or on other websites, To the extent these online tracking technologies are deemed to be a “sale”/”sharing” (which

  • includes targeted advertising, as defined under the applicable laws) under applicable US state laws, you can opt out of these online tracking technologies by
    submitting a request as described below under section “DO UNITED STATES RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?”

    Specific information about how we use such technologies and how you can refuse certain cookies is
    set out in our Cookie Notice.

    Google Analytics

    We may share your information with Google Analytics to track and analyze the use of the Services. The Google Analytics Advertising Features that we may use include: Google Analytics Demographics and Interests Reporting. To opt out of being tracked by Google Analytics across the Services, visit
    https://tools.google.com/dlpage/gaoptout. You can opt out of Google Analytics Advertising Features through
    Ads Settings and Ad Settings for mobile apps. Other opt out means include
    http://optout.networkadvertising.org/ and http://www.networkadvertising.org/mobile-choice. For more
    information on the privacy practices of Google, please visit the Google Privacy & Terms page.

    6. HOW LONG DO WE KEEP YOUR INFORMATION?

    In Short: We keep your information for as long as necessary to fulfill the purposes outlined in this Privacy Notice unless otherwise required by law.

    We will only keep your personal information for as long as it is necessary for the purposes set out in this Privacy Notice, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements). No purpose in this notice will require us keeping your personal information for longer than the period of time in which users have an account with us.

    When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.

    7. HOW DO WE KEEP YOUR INFORMATION SAFE?

In Short: We aim to protect your personal information through a system of organizational and
technical security measures.

We have implemented appropriate and reasonable technical and organizational security measures
designed to protect the security of any personal
information we process. However, despite our safeguards and efforts to secure your information, no
electronic transmission over the Internet or information storage technology can be guaranteed to be
100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized
third parties will not be able to defeat our security and
improperly collect, access, steal, or modify your
information. Although we will do our best to protect your personal information, transmission of
personal
information to and from our Services is at your own risk.
You should only access the Services within a secure environment.

8. DO WE COLLECT INFORMATION FROM MINORS?

In Short: We do not knowingly collect data from or market to children under 18 years of age.

We do not knowingly collect, solicit data from, or market to children under 18 years of age, nor do
we knowingly sell such personal information. By using the Services, you represent that you are at
least 18 or that you are the parent or guardian of such a minor and consent to such minor
dependent’s use of the Services. If we learn that personal information from users less than 18
years of age has been collected, we will deactivate the account and take reasonable measures to
promptly delete such data from our records. If you become aware of any data we may have collected
from children under age 18, please contact us at [email protected].

9. WHAT ARE YOUR PRIVACY RIGHTS?

In Short: Depending on your state of residence in the
US or in some regions, such as the European Economic Area (EEA), United Kingdom (UK), Switzerland,
and
Canada, you have rights that allow you greater access to and control over your personal
information. You may review, change, or terminate your account at any time, depending on your
country, province, or state of residence.

In some regions (like the EEA, UK, Switzerland, and
Canada), you have certain rights under applicable data protection laws. These may include the right
(i) to request access and obtain a copy of your personal
information, (ii) to request rectification or erasure; (iii) to restrict the processing of your
personal information; (iv) if applicable, to data portability; and (v) not to be subject to
automated decision-making. In certain circumstances, you may also have the right to object to the
processing of your personal information. You can make such a request by contacting us by using the
contact details provided in the section “HOW CAN YOU CONTACT US ABOUT THIS NOTICE?” below.

We will consider and act upon any request in accordance with applicable data protection laws.

If you are located in the EEA or UK and you believe we are unlawfully processing your personal
information, you also have the right to complain to your Member
State data protection authority or UK data protection authority.

If you are located in Switzerland, you may contact the Federal Data Protection and Information
Commissioner.

Withdrawing your consent: If we are relying on your consent to process your personal information,
which may be express and/or implied consent depending on the applicable law, you have the right to
withdraw your consent at any time. You can withdraw your consent at any time by contacting us by
using the contact details provided in the section “HOW CAN YOU CONTACT US ABOUT THIS NOTICE?” below
or updating your preferences.

However, please note that this will not affect the
lawfulness of the processing before its withdrawal nor, when applicable law allows, will it affect
the processing of your personal information conducted in reliance on
lawful processing grounds other than consent.

Account Information

If you would at any time like to review or change the
information in your account or terminate your account, you can:
Log in to your account settings and update your user account.

 Contact us using the contact information provided.
Upon your request to terminate your account, we will deactivate or delete your account and
information from our active databases. However, we may retain some
information in our files to prevent fraud, troubleshoot problems, assist with any investigations,
enforce our

 

legal terms and/or comply with applicable legal requirements.

 

Cookies and similar technologies: Most Web browsers are set to accept cookies by default. If you
prefer, you can usually choose to set your browser to remove cookies and to reject cookies. If you
choose to remove cookies or reject cookies, this could affect certain features or services of our
Services.

If you have questions or comments about your privacy rights, you may email us at
[email protected].

10. CONTROLS FOR DO-NOT-TRACK FEATURES

Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track
(“DNT”) feature or setting you can activate to signal your privacy
preference not to have data about your online browsing activities monitored and collected. At this
stage, no uniform technology standard for recognizing and
implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser
signals or any other mechanism that automatically communicates your choice not to be tracked
online. If a standard for online tracking is adopted that we must follow in the future, we will
inform you about that practice in a revised version of this Privacy Notice.

California law requires us to let you know how we respond to web browser DNT signals. Because there
currently is not an industry or legal standard for recognizing or honoring DNT signals, we do not
respond to them at this time.

11. DO UNITED STATES RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?

In Short: If you are a resident of California, Colorado, Connecticut, Delaware, Florida, Indiana,
Iowa,
Kentucky, Minnesota, Montana, Nebraska, New
Hampshire, New Jersey, Oregon, Tennessee, Texas, Utah, or Virginia, you may have the right to
request access to and receive details about the personal
information we maintain about you and how we have processed it, correct inaccuracies, get a copy
of, or delete your personal information. You may also have the right to withdraw your consent to
our processing of your personal information. These rights may be limited in some circumstances by
applicable law. More information is provided below.

Categories of Personal Information We Collect

We have collected the following categories of personal information in the past twelve (12) month:

 

———————————————————————————————————————————————-

———————————————————————————————————————————————-

We may also collect other personal information outside of these categories through instances where
you interact with us in person, online, or by phone or mail in the context of:

 Receiving help through our customer support channels;
Participation in customer surveys or contests; and

 

Facilitation in the delivery of our Services and to respond to your inquiries.
We will use and retain the collected personal
information as needed to provide the Services or for:

 

Category A – As long as the user has an account with us
Category B – As long as the user has an account with us

Category C – As long as the user has an account with us
Category D – As long as the user has an account with us

Category E – As long as the user has an account with us
Category F – As long as the user has an account with us

Category G – As long as the user has an account with us
Category H – As long as the user has an account with us

Category I – As long as the user has an account with us
Category J – As long as the user has an account with us

Sources of Personal Information

Learn more about the sources of personal information we collect in “WHAT INFORMATION DO WE
COLLECT?”

How We Use and Share Personal Information

Learn more about how we use your personal
information in the section, “HOW DO WE PROCESS YOUR INFORMATION?”

Will your information be shared with anyone else?

We may disclose your personal information with our service providers pursuant to a written contract
between us and each service provider. Learn more about how we disclose personal information to in
the section, “WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?”

We may use your personal information for our own business purposes, such as for undertaking
internal research for technological development and demonstration. This is not considered to be
“selling” of your personal information.

We have not sold or shared any personal information to third parties for a business or commercial
purpose in the preceding twelve (12) months. We have disclosed the following categories of personal
information to third parties for a business or commercial purpose in the preceding twelve (12)
months:

The categories of third parties to whom we disclosed personal information for a business or
commercial purpose can be found under “WHEN AND WITH WHOM
DO WE SHARE YOUR PERSONAL INFORMATION?”

Your Rights

You have rights under certain US state data protection laws. However, these rights are not
absolute, and in certain cases, we may decline your request as permitted by law. These rights
include:

 

Right to know whether or not we are processing your personal data

 Right to access your personal data

Right to correct inaccuracies in your personal data

 Right to request the deletion of your personal data
Right to obtain a copy of the personal data you previously shared with us

 Right to non-discrimination for exercising your rights

Right to opt out of the processing of your personal data if it is used for targeted advertising (or
sharing as defined under California’s privacy law), the sale of personal data, or profiling in
furtherance of decisions that produce legal or similarly significant effects (“profiling”)
Depending upon the state where you live, you may also have the following rights:

Right to access the categories of personal data being processed (as permitted by applicable law,
including Minnesota’s privacy law)

 

Right to obtain a list of the categories of third parties to which we have disclosed personal data
(as permitted by applicable law, including
California’s and Delaware’s privacy law)

Right to obtain a list of specific third parties to which we have disclosed personal data (as
permitted by applicable law, including Minnesota’s and Oregon’s privacy law)

 

Right to review, understand, question, and correct how personal data has been profiled (as
permitted by applicable law, including Minnesota’s privacy law)
Right to limit use and disclosure of sensitive personal data (as permitted by applicable law,
including California’s privacy law)

Right to opt out of the collection of sensitive data and personal data collected through the
operation of a voice or facial recognition feature (as permitted by applicable law, including
Florida’s privacy law)

How to Exercise Your Rights

To exercise these rights, you can contact us by submitting a data subject access request, by
emailing us at [email protected], or by referring to the contact details at the bottom of
this document.

We will honor your opt-out preferences if you enact
the Global Privacy Control (GPC) opt-out signal on your browser.

Under certain US state data protection laws, you can designate an authorized agent to make a
request on your behalf. We may deny a request from an authorized agent that does not submit proof
that they have been validly authorized to act on your behalf in accordance
with applicable laws.

Request Verification

Upon receiving your request, we will need to verify your identity to determine you are the same
person about
whom we have the information in our system. We will

only use personal information provided in your request to verify your identity or authority to make
the request.
However, if we cannot verify your identity from the
information already maintained by us, we may request that you provide additional information for
the purposes of verifying your identity and for security or fraud- prevention purposes.

If you submit the request through an authorized agent, we may need to collect additional
information to verify your identity before processing your request and the agent will need to
provide a written and signed permission from you to submit such request on your
behalf.

Appeals

Under certain US state data protection laws, if we decline to take action regarding your request,
you may appeal our decision by emailing us at [email protected]. We will inform you in
writing of any action taken or not taken in response to the appeal, including a written explanation
of the reasons for the decisions. If your appeal is denied, you may submit a complaint to your
state attorney general.

California “Shine The Light” Law

California Civil Code Section 1798.83, also known as the “Shine The Light” law, permits our users
who are
California residents to request and obtain from us, once
a year and free of charge, information about categories of personal information (if any) we
disclosed to third parties for direct marketing purposes and the names and addresses of all third
parties with which we shared personal information in the immediately preceding calendar year. If
you are a California resident and would like to make such a request, please submit your request in
writing to us by using the contact details provided in the section “HOW CAN YOU CONTACT US ABOUT
THIS NOTICE?”

12. DO WE MAKE UPDATES TO THIS NOTICE?

In Short: Yes, we will update this notice as necessary to stay compliant with relevant laws.

We may update this Privacy Notice from time to time. The updated version will be indicated by an
updated “Revised” date at the top of this Privacy Notice. If we
make material changes to this Privacy Notice, we may notify you either by prominently posting a
notice of such changes or by directly sending you a notification. We encourage you to review this
Privacy Notice frequently

 

to be informed of how we are protecting your information.

13. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?

If you have questions or comments about this notice, you may email us at [email protected]
or contact us by post at:

PLS FINANCIAL INC 721 US Hwy1 Ste 105
NORTH PALM BEACH, FL 33408
United States

14. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?

Based on the applicable laws of your country or state of residence in the US, you may have the
right to request
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inaccuracies, or delete your personal information. You may also have the right to withdraw your
consent to our processing of your personal information. These rights may be limited in some
circumstances by applicable
law. To request to review, update, or delete your
personal information, please fill out and submit a data subject access request.

 

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

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