California Privacy Rights
If you are a California resident, California law requires us to provide you with some additional information regarding how we collect, use, and share your “personal information” (as defined in the California Consumer Privacy Act (“CCPA”)). Community Tax, LLC, doing business as Finance Pal (“CTAX” or “we”) strives to maintain a high standard of data privacy in accordance with your data protection rights under applicable law. The protection and proper use of the personal information that you entrust to us is a responsibility that we take seriously. This privacy policy explains what personal information we may collect from you, the sources we may collect it from, how we may use it, and the rights that you have concerning that data.
Collection and Use of Personal Information
We may collect certain information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a consumer or household (“Personal Information”). Personal information does not include de-identified or aggregated information. Please see the following disclosure regarding what we may collect, use, and share:
| Categories of Personal Information that may be Collected (preceding 12 months) | Category of Sources From Which that Information was Collected | The Business or Commercial Purpose(s) for which the Information was Collected | The Categories of Third Parties with which we may share the Personal Information |
|---|---|---|---|
| Identifiers, such as your name, postal address, unique personal identifier, internet protocol address, email address, account name, date of birth, social security number, driver’s license number, passport number, or other similar identifiers. | Consumers provided this information directly to us, automatically through their interaction with our products or services; licensors; service providers; and marketing partners, and/or by consenting to our retrieval of such information from The Internal Revenue Service and/or State Taxation Departments |
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The Internal Revenue Service, State Taxation Departments, State and Federal regulatory agencies, independent contractors, our service providers, marketing partners, referral partners, advertising networks, lending and servicing providers. |
| Categories of personal information described in Cal. Civ. Code § 1798.80(e), including name, signature, social security number, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, language spoken, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. | Consumers provided this information directly to us, automatically through their interaction with our products or services; licensors; service providers; and marketing partners, and/or by consenting to our retrieval of such information from The Internal Revenue Service and/or State Taxation Departments. |
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The Internal Revenue Service, State Taxation Departments, State, and Federal regulatory agencies, independent contractors, our service providers, advertising networks; lending and servicing providers. |
| Protected classification characteristics under California or federal law, such as age (40 years or older), national origin, citizenship, marital status, medical condition, physical or mental disability, sex, and veteran or military status. | Consumers provided this information directly to us, automatically through their interaction with our products or services; licensors; service providers; and marketing partners, and/or by consenting to our retrieval of such information from The Internal Revenue Service and/or State Taxation Departments. |
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The Internal Revenue Service, State Taxation Departments, State and Federal regulatory agencies, independent contractors, our service providers, advertising networks; lending and servicing providers. |
| Commercial information, including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. | Consumers provided this information directly to us, automatically through their interaction with our products or services; licensors; service providers; and marketing partners, and/or by consenting to our retrieval of such information from The Internal Revenue Service and/or State Taxation Departments. |
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The Internal Revenue Service, State Taxation Departments, independent contractors, our service providers, advertising networks, lending and servicing providers. |
| Internet or other electronic network activity information, including, browsing history, search history, and information regarding a consumer’s interaction with an internet website, application, or advertisement. | Consumers provided this information directly to us, automatically through their interaction with our products or services; licensors; service providers; and marketing partners, and/or by consenting to our retrieval of such information from The Internal Revenue Service and/or State Taxation Departments. |
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The Internal Revenue Service, State Taxation Departments, independent contractors, our service providers, advertising networks, lending and servicing providers. |
| Geolocation data. | This information is gathered using the Consumer’s internet protocol address which Consumers provided directly to us or automatically through their interaction with our products or services; licensors; service providers; and marketing partners. |
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Independent contractors, our service providers, marketing partners, referral partners, and/or advertising networks. |
| Audio, electronic, visual, or similar information. | Consumers provide this information directly to us either by calling and speaking with our employees or representatives; voluntarily submitting the information directly to us; and/or by consenting to our retrieval of such information from The Internal Revenue Service and/or State Taxation Departments. |
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The Internal Revenue Service, State Taxation Departments, State and Federal regulatory agencies, independent contractors, our service providers, marketing partners, referral partners, advertising networks, lending and servicing providers. |
| Professional or employment-related information. | Consumers provided this information directly to us or automatically through their interaction with our products or services; licensors; service providers; and marketing partners. |
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The Internal Revenue Service, State Taxation Departments, independent contractors, our service providers, marketing partners, referral partners; and/or advertising networks; lending and servicing providers. |
| Education information, defined as information that is not publicly available personally identifiable information as defined in the FERPA, 20 USC 1232g, including student debt information. | Consumers provided this information directly to us or automatically through their interaction with our products or services; licensors; service providers; and marketing partners; and/or by consenting to our retrieval of such information from The Internal Revenue Service and/or State Taxation Departments. |
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The Internal Revenue Service, State Taxation Departments, independent contractors, our service providers, marketing partners, referral partners; and/or advertising networks; lending and servicing providers. |
| Inferences drawn from other personal information to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. | Consumers provided this information directly to us or automatically through their interaction with our products or services; licensors; service providers; and marketing partners. |
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The Internal Revenue Service, State Taxation Departments, independent contractors, our service providers, marketing partners, referral partners; and/or advertising networks; lending and servicing providers. |
In addition, where consistent with applicable laws and regulations, we may disclose Personal Information if such disclosure is:
- necessary to prepare, negotiate or perform a contract with you;
- needed to respond to subpoenas, court orders, or other legal process, or otherwise required by law or competent governmental or judicial authorities;
- necessary to establish or preserve a legal claim or defense;
- part of a corporate restructuring, sale of assets, merger or divestiture; or
- necessary to prevent fraud or other illegal activities, such as willful attacks on our information technology systems.
We take reasonable steps to ensure that companies with which we share your Personal Information are contractually obligated to keep the Personal Information that we provide to them confidential and to use such information only as we permit.
Information about Cookies
A cookie is a small file that is placed on your computer. Once established, the cookie helps analyze web traffic on our site. Cookies allow web applications to tailor operations to your needs, likes, and dislikes by gathering and remembering information about your preferences. Cookies allow us to keep track of items in shopping carts, monitor the effectiveness of marketing campaigns, monitor total traffic, site visits, pages viewed and enhance or speed up navigation. This helps us analyze data about web page traffic and improve our website in order to tailor it to customer needs.
You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website and all marketing offers. Learn more about website cookies at allaboutcookies.org.
Rights and Choices of California Consumers
We provide California consumers with certain rights regarding their Personal Information. This section explains how to exercise those rights. You have a right not to receive discriminatory treatment for exercising these privacy rights.
“Do Not Sell My Information” – The Right to Opt-Out of the Sale of Personal Information
We have disclosed or sold Personal Information to third parties for a business or commercial purpose in the preceding 12 months in the following categories: name, email address, phone number, student loan debt amount, and/or credit card debt amount. We do not sell the Personal Information of minors under 16 years of age without affirmative authorization.
You have a right to opt-out of the sale of your Personal Information. To submit a request to request to opt-out, please either:
- Use our online form by clicking here; or
- Mail a letter stating your request to opt-out out of the sale of your Personal Information to the following address:Attn: Compliance
Community Tax
17 N. State St. Suite 210
Chicago, IL 60602
Right to Know About Personal Information Collected, Used or Disclosed
You have the right to request that we disclose certain information to you about our collection, use and disclosure of your Personal Information over the past 12 months. Once we receive your request and verify your identity, we may disclose to you information such as: (1) the categories of Personal Information we collected about you; (2) the categories of sources for the Personal Information; (3) our business or commercial purpose for collecting or disclosing that Personal Information; (4) the categories of third parties with whom we shared that Personal Information; and (5) the specific pieces of Personal Information we collected about you in the preceding 12 months.
To submit a request to know about Personal Information collected, please either:
- Call (800) 444-0656;
- Use our online form by clicking here; or
- Mail a letter stating your request to know certain information about our collection, use and disclosure of your Personal Information over the past 12 months to the following address:
Community Tax
Attn: Compliance
17 N. State St. Suite 210
Chicago, IL 60602
Right to Delete Personal Information Collected or Maintained
You have the right to request the deletion of Personal Information we have collected from you and retained, subject to certain exceptions. Once we receive and confirm your request and verify your identity, we will permanently delete your Personal Information from our records, unless a legal exception to deletion applies. In our response to your request to delete, we will specify the manner in which we have deleted your Personal Information or, if we must deny your deletion request, the basis for this refusal.
To submit a request to delete, please:
- Use our online form by clicking here; or
- Mail a letter stating your deletion request to the following address:
Community Tax
Attn: Compliance
17 N. State St. Suite 210
Chicago, IL 60602
Authorizing an Agent
You may designate an authorized agent to submit your consumer request on your behalf, so long as the authorized agent has your written permission to do so and you have taken steps to verify your identity directly with us.
Verifying Your Request
We cannot respond to your request or provide you with Personal Information if we cannot verify your identity or authority to make the request and confirm the Personal Information relates to you. Making a verifiable consumer request does not require you to create an account with us. We will only use Personal Information provided in a verifiable consumer request to verify your identity or authority to make the request.
To verify your identity, we ask that you provide us with the following information when you submit your request: (1) first name, (2) last name, and (3) phone number or email. We will use the above information to verify your identity. We will require additional information to verify your identity and fulfill your request depending on your type of request or the information requested by you.
Contact Information
If you have any questions about this Privacy Notice, please contact us at:
Community Tax, LLC
17 N State St., Ste. 210
Chicago, IL 60602
Phone: (800) 444-0656
Email: [email protected]
Security
The security of your personal information is important to us. We use reasonable precautions to protect our customers’ personal information and to store it securely. However, security risk is inherent in all information technologies, and we cannot guarantee the security of your personal information.
Children
The Children’s Online Privacy Protection Act (“COPPA”) protects the privacy of children under the age of 13. It requires website operators and online services to post privacy policies and obtain parental consent before collecting information from those children. We do not knowingly collect personal information from individuals under the age of 13, unless the personal information is submitted with verifiable parental consent. Our website, portals, and applications are not intended for anyone under the age of 13, and no one under the age of 13 may provide information on the website, portals, or applications.
Notification and Changes
If we change our Privacy Statement, we will post those changes on this page so our users are aware of what information we collect, who we may collect it from, and how we use it and under which circumstances, if any, we disclose it. Users should check this policy frequently to keep abreast of any changes.