USTaxPenaltySaverUSTaxPenaltySaver ("Company," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website, use our applications, or utilize our services (collectively, the "Service").
Your Privacy Matters: We collect only the information necessary to provide our estimation services. We do not sell your personal information. You have rights to access, correct, and delete your data.
1. Scope of This Policy
This Privacy Policy applies to personal information collected through:
- Our website at ustaxpenaltysaver.com and related domains
- Our mobile applications (if applicable)
- Email, text, and other electronic communications
- Customer support interactions
This policy does not apply to information collected offline or through third-party websites that may link to our Service.
2. Information We Collect
A. Information You Provide Directly
When you use our Service, you may voluntarily provide us with:
| Category | Examples | Purpose |
|---|---|---|
| Account Information | Email, name, password | Create and manage your account |
| Tax Calculation Data | Tax amounts, filing dates, payment dates | Perform penalty/interest estimates |
| Contact Information | Name, address, phone (for letters) | Generate personalized documents |
| Payment Information | Payment method (processed by Paddle) | Process payments |
| Communications | Support requests, feedback | Respond to inquiries |
SSN Protection
We ONLY store the last 4 digits of Social Security Numbers. We never store, retain, or transmit full SSNs. If you enter a full SSN into our calculator, only the last 4 digits are retained for document generation purposes. The full number is immediately discarded after validation.
B. Information Collected Automatically
When you access our Service, we automatically collect certain information:
- Device Information: Browser type, operating system, device type, screen resolution
- Usage Information: Pages visited, features used, time spent, navigation paths
- Log Data: IP address, access times, referring URLs
- Cookies and Tracking: See our Cookie Policy for details
C. Information from Third Parties
We may receive information from third-party services you use to interact with us (e.g., Google or Apple for authentication, Paddle for payment processing).
3. How We Use Your Information
We use the information we collect to:
- Provide Services: Perform penalty calculations, generate documents, manage your account
- Process Payments: Complete transactions and send receipts
- Communicate: Send service updates, respond to support requests, provide important notices
- Improve: Analyze usage patterns to enhance our Service
- Secure: Detect fraud, prevent abuse, and maintain security
- Comply: Meet legal obligations and respond to lawful requests
We do NOT use your personal information for automated decision-making or profiling that produces legal or similarly significant effects.
4. Legal Bases for Processing
We process your personal information based on the following legal grounds:
- Contract Performance: To provide services you requested
- Legitimate Interests: To operate, improve, and secure our Service
- Consent: Where you have given explicit consent (e.g., marketing emails)
- Legal Obligation: To comply with applicable laws
5. How We Share Information
We do NOT sell, rent, or trade your personal information to third parties for their marketing purposes.
We may share your information with:
Service Providers
| Provider | Purpose | Data Shared |
|---|---|---|
| Firebase (Google) | Authentication, database | Email, account data, calculation history |
| Google Cloud Platform | Hosting, storage | All service data (encrypted) |
| Paddle | Payment processing | Payment information only |
| Google Analytics | Usage analytics | Anonymized usage data |
All service providers are bound by data processing agreements and are prohibited from using your data for their own purposes.
Other Disclosures
We may also disclose your information:
- To comply with legal obligations, court orders, or valid legal process
- To protect our rights, privacy, safety, or property
- In connection with a merger, acquisition, or sale of assets (with notice)
- With your consent for any other purpose
6. Data Retention
We retain your personal information only as long as necessary:
| Data Type | Retention Period | Reason |
|---|---|---|
| Account Information | Until deletion request | Account functionality |
| Calculation History | 3 years | User reference, IRS statute limitations |
| Generated Letters/PDFs | 7 years | IRS record-keeping requirements |
| Transaction Records | 7 years | Financial/legal compliance |
| Analytics Data | 26 months | Google Analytics default |
You may request deletion of your data at any time. See "Your Privacy Rights" below.
7. Your Privacy Rights
Under the California Consumer Privacy Act (CCPA), California Privacy Rights Act (CPRA), and similar state privacy laws, you have the following rights:
Right to Know
Request disclosure of what personal information we collect, use, disclose, and sell about you over the past 12 months.
Right to Delete
Request deletion of your personal information, subject to certain legal exceptions.
Right to Correct
Request correction of inaccurate personal information we maintain about you.
Right to Opt-Out
Opt out of the sale or sharing of your personal information. Note: We do not sell your personal information.
Right to Non-Discrimination
We will not discriminate against you for exercising any of these rights.
How to Exercise Your Rights
To exercise any of these rights, you may:
- Email us at privacy@ustaxpenaltysaver.com
- Use our contact form
- Use in-app account deletion features (when available)
Verification: We will verify your identity before processing requests. You may need to provide your email address and confirm account ownership.
Response Time: We will respond to verifiable requests within 45 days. If we need additional time (up to 90 days total), we will notify you.
8. Do Not Sell or Share My Personal Information
We Do Not Sell Your Personal Information
USTaxPenaltySaver does NOT sell, rent, lease, or trade your personal information to third parties for monetary or other valuable consideration. We do NOT share your personal information for cross-context behavioral advertising.
If our practices change in the future, we will update this policy and provide a clear opt-out mechanism as required by law.
9. Data Security
We implement industry-standard security measures to protect your personal information:
- Encryption: TLS 1.3 for data in transit; AES-256 for data at rest
- Infrastructure: Hosted on Google Cloud Platform with SOC 2 Type II certification
- Access Controls: Role-based access, minimum necessary principle
- Authentication: Secure authentication via Firebase Auth
- Monitoring: Continuous security monitoring and logging
- Data Residency: All data stored in US-based data centers
While we strive to protect your information, no method of transmission or storage is 100% secure. We cannot guarantee absolute security.
10. Data Breach Notification
In the event of a data breach affecting your personal information, we will:
- Notify affected users within 72 hours of confirming the breach
- Describe what information was affected
- Explain steps we are taking to address the breach
- Provide guidance on protective measures you can take
- Report to relevant authorities as required by law
11. International Data Transfers
Our Service is operated in the United States. If you access the Service from outside the US, your information may be transferred to, stored, and processed in the US. By using the Service, you consent to such transfer. We ensure appropriate safeguards are in place for any international data transfers.
12. Children's Privacy
Our Service is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately at privacy@ustaxpenaltysaver.com. We will promptly delete such information.
13. Third-Party Links
Our Service may contain links to third-party websites, including IRS.gov and other government sites. We are not responsible for the privacy practices of these sites. We encourage you to review the privacy policies of any third-party sites you visit.
14. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of material changes by posting the new policy on this page with an updated "Last updated" date and, for significant changes, by email notification to registered users. Your continued use of the Service after changes constitutes acceptance of the updated policy.
15. Contact Us
For questions, concerns, or to exercise your privacy rights:
USTaxPenaltySaver - Privacy Team
Email: privacy@ustaxpenaltysaver.com
Contact Form
We will respond to all privacy inquiries within 45 days.