Privacy Policy


We have made some updates to our Privacy Policy. The updated Privacy Policy will go into effect on December 15, 2019. You can find a copy of the updated Privacy Policy at the top of this page followed by the current Privacy Policy below.

Polydor Financial Services, LLC. (“Polydor Financial Services,” “we,” “us” or “our”) understand that the privacy of your information is important to you, and we are committed to being transparent about how we use, share, and protect your information. To help further our commitment, we have developed this Privacy Policy to help you better understand the types of information we collect, why we collect it, how we will use it, and the various options you have to manage the privacy of your personal information and you should carefully read this Agreement before using our website at www.polydorfinancialservices.com (the "Website”).

We do not market our services to children under the age of 13, nor do we knowingly collect information from children under the age of 13.

This Privacy Policy may change and will be updated on our Website. Changes are made when necessary to maintain the security, effectiveness, and appropriateness of our privacy and data security policies and practices, and to reflect the on-going changes in our industry. You should check this page periodically to ensure that you are in agreement with any changes. If we amend this Privacy Policy to permit material changes in the way we collect, use, and/or share your personal information, we will notify you of such amendment by prominently posting notice of such amendment on our Website’s homepages prior to the change becoming effective or by email (sent to the email address associated with your account). On the other hand, we will not use your previously collected personal information in a manner materially different than indicated at the time it was collected without your consent.

If you have questions or concerns regarding our Privacy Policy or practices, please contact us by calling (954) 900-8742 or emailing us at info@polydorfinancialservices.com.




What information do we collect?


We may collect information, including personal information, about you, your spouse, your dependents, or your business when you use our services.

Personal information is data that can be used to identify you, your spouse, or your dependents individually. The information we may collect includes, but is not limited to:

  • Contact Information (e.g., name, phone number, address, and email address);
  • Social Security Number and other government identification numbers (e.g., EIN, Driver’s License Number, and ITIN);
  • Date of Birth;
  • Financial Information (e.g., income, revenue, assets, credits, deductions, expenses, and bank account information);
  • Payment Data (e.g., checking, debit and credit card account numbers, balances and payment history);
  • Health Information (e.g., health insurance status and financial information related to payment for healthcare services);
  • Geo-Location Information;
  • Website, Mobile Application, and Email Usage Data (e.g., interactions with a website, application or advertisement);
  • Device Information (e.g., internet protocol (IP) address, device type, unique identifier, app version, operating system, network data, and phone state);
  • Login Information;
  • Demographic Information;
  • Professional or employment-related information; and
  • Education information.




Where do we get this information?


You provide most of the information we collect. We also receive information through certain digital technologies when you interact with us. Finally, other companies and government entities may share information with us.




We collect information directly from you.


To deliver the products and services you request, customize your experience, and better serve you, we collect information you voluntarily provide as part of using or requesting our products and services. This information includes information you provide as part of preparing your tax return, electronically filing your tax return, authenticating your identity, filing for a business license or permit, applying for or purchasing a product or service, or applying for employment. If you choose not to provide certain information we request, we may be unable to serve you as our products, services, tools or calculators may rely upon this information.

Our websites may offer publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information (e.g., name and city) from our blog or community forum, you can contact us by info@polydorfinancialservices.com. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.




We collect information when you use our services.


We collect certain information and usage data whenever you interact with us, whether online, through a mobile application, or through an email. This data may include which websites you visit, what you click on, and when you performed those actions. These activities may be performed by us or a service provider acting on our behalf.

We utilize certain web and wireless technologies to collect this information. These technologies include cookies and web beacons.

The Internal Revenue Service (IRS) or state taxing authorities may require we collect certain personal and system information in connection with preparing or electronically filing your tax return. This may include your name, social security number, IP addresses, and unique device identifiers.




We collect information from other companies and government entities.


In accordance with their privacy policy, our business partners, Polydor Financial Services franchisees, and unrelated third-parties (including the IRS and credit reporting agencies) may share certain information about you with us.

We also collect information when you request services or information from us or companies with whom we have a business relationship, enter contests or sweepstakes, or complete surveys or polls.

To improve the security of our services, to protect your identity, and to protect your information, we may verify your personal information by matching the information you provide against other publicly available information that we obtain from identification verification companies.




How do we use your information?


We use your information to provide you the products and services you request. We may also use your information, as permitted by law, including: to service and report on your account; offer you relevant information, products, or services; and enhance our products and services.

These activities may be performed by us or a service provider acting on our behalf.

  • Offer you products and services. We may use your information to contact you about products and services offered by us or another Polydor Financial Services company. Polydor Financial Services companies are those related to us by common ownership or control. This may include delivery of newsletters or publications. We may also use aggregated and anonymized information to identify individuals to offer our products and services.
  • Geo-Location Uses. We may use your location to provide you a list of nearby Polydor Financial Services offices, assess the level of interest in our services in a particular area, and enhance the services we are providing you and other clients. You may at any time revoke our collection of this information by turning this off at the device level and not using our office locator.
  • Security Enhancements. We may use your information to improve the security of our services, protect your identity, and protect your information.
  • Unique Identifiers. We may assign you a unique identifier when you use our services. This unique identifier allows us to match information collected through our other various products and services. Generally, we use this information to help us better understand your use of our products and services and to customize your experience and better serve you.
  • Calculators and Tools. When you use our calculators and other tools, we may collect non-identifiable data, such as the number of people that use a certain tool. We may also set cookies or clear gifs based upon your use so you do not have to re-enter your information in a later visit and to help us customize offers and tools to your particular interests. For our calculators and other tools that require registration or ask for your contact information, we may contact you directly with relevant services and offers.
  • "Send a Friend," "Tell a Friend," and Similar Programs. If you choose to use one of our referral services, we may ask for your friend’s name and contact information, including email address. Depending on the particular referral service, we may contact your friend inviting him or her to visit our website, come in for tax preparation, or take our income tax training course. We do not store or use this information except as part of our referral programs. Your friend may contact us at info@polydorfinancialservices.com to request that we remove your friend’s information from our systems.
  • Automated Decision Making. We do not use automated decision making with respect to your information.




Who do we share your information with?


The privacy and security of your information is important to us. We do not sell or rent your information (including your social security number). We may disclose your information as permitted by law or with your consent to other Polydor Financial Services companies or to third parties with whom we have a written contract limiting the use and disclosure of your information. We may share your information to support the products and services you request or provide you information on products and services that may benefit you.

For example:

  • We may provide information to Polydor Financial Services companies related by common ownership or control. These Polydor Financial Services companies may use this information to support the products and services you request or market additional products and services to you.
  • Business Partners. We work closely with a variety of business partners that are not Polydor Financial Services companies (e.g., our bank partners that offer the Refund Transfer product). We may offer products jointly with our business partners. You will be able to recognize when a business partner is associated with your transaction when its logo appears or is shown with our logo. We may share information that is related to such transactions with that business partner. Pursuant to our vendor management program, we require all business partners to have written contracts with us that require them to safeguard your information and prohibit them from selling, retaining, using or disclosing your personal information for any purpose other than for the specific purpose of performing the contract.
  • Service Providers. We may disclose your personal information to service providers who perform business functions on our behalf, such as data processing and analysis, contest supervision, and direct mail or email production. We may also share your personal information, and a record of any transactions you conduct on our websites or offline with us with a third-party advertising partner and its service providers to deliver advertising tailored to your interests when you visit certain other websites. Data shared in this way is made pseudonymous. Pursuant to our vendor management program, we require all service providers to have written contracts with us that require them to safeguard your information and prohibit them from selling, retaining, using or disclosing your information for any purpose other than for the specific purpose of performing the contract.
  • Marketing Arrangements. We may provide information to companies with whom we have a joint marketing arrangement. Pursuant to our vendor management program, we require all marketing service providers to have written contracts with us that require them to safeguard your information and prohibits them from selling, retaining, using or disclosing your information for any purpose other than for the specific purpose of performing the contract. We do not share your information with third parties for their marketing purposes without your consent or without providing you the opportunity to opt-out of such sharing.
  • Franchisees. Certain Polydor Financial Services products and services are provided via a system of retail offices operated directly by independently owned and operated franchisees. In order to serve you, we may share your information with these franchisees.
  • Communications with the IRS and State Taxing Authorities. The IRS and state taxing authorities may require or request we disclose certain personal and system information in order to process or electronically file your tax return. This information may include, but is not limited to, your name, social security number, IP addresses, unique device identifiers, bank account numbers, and tax return preparation user activity metrics (e.g., time to complete the tax return).
  • Persons Who Acquire Our Assets or Business. If we sell or transfer any of our business or assets, certain information about our clients may be a part of that sale or transfer. In the event such sale or transfer results in a material change to this Privacy Policy, we will notify you. The notification procedure will be the same as the procedure we use to notify you of a change to this Privacy Policy as described below.
  • Responses to Legal Requests. We may disclose your information when we have a good faith belief that such disclosure is required or permitted by law pursuant to a legal request. This may occur in connection with a court order, legal process, or other judicial, administrative or investigative proceeding that produces a request for information from us. In certain situations, we may be required to disclose your information in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.
  • Protection of Polydor Financial Services and Others. We may disclose your information when we believe that disclosure is necessary to protect your rights and safety, the rights and safety of others, or our rights and safety. We may disclose your information to proper federal, state, or local officials in order to, and only to the extent necessary, inform the official of activities that may constitute, or may have constituted, a violation of any criminal law or to assist the official in investigating or prosecuting a violation of criminal law. As permitted by law, we may disclose your information to the IRS and Information Sharing and Analysis Centers (ISACs) for the prevention of stolen identity refund fraud (SIRF) and as related to potential cyber security threats.
  • Aggregate Data. We may disclose aggregate information compiled using information that does not identify you individually or personally. This may include, for example, the total number of visitors from a particular state or the average user age.




What types of web and wireless technologies (including cookies) do we use?


We, and our service providers, use commonly-used technologies, such as cookies or similar technologies, to remember you and to personalize your experience with features and advertisements. We, and our service providers, use these technologies to help us know your usage patterns, track your preferences, and analyze how you use our services. We may receive reports on an individual or aggregate basis based on these technologies. You may opt-out of some of these technologies.

  • Cookies. Cookies are a commonly-used software technology that allow us to customize our websites for you by placing small files on your computer or mobile device as you visit various components of our websites. The purpose of cookies is to make your experience more convenient and personal. For example, knowing what products interest you helps us tailor your experience to meet your needs. Cookies are small alphanumeric identifiers that a web server transfers to your computer via your Internet browser. When your Internet browser visits a web page, a cookie is set with a unique number. This number is recorded in a small text file that is transmitted to your computer and stored in the cookie directory of your hard drive. Then, when you visit each webpage on which the cookie technology is enabled, the website can recognize your browser as a unique user. Through the use of cookies, we can display only those items that may be of interest to you, make it easier for you to access your account information, or measure the number of unique visitors that have viewed a particular ad or visited a particular web page. We may also use cookies, and similar technologies, to provide you with enhanced online advertising tailored to your interests. Because we use cross-device tracking to customize and improve your experience across all of your devices, your opt-out choices will be specific to your account. If you have multiple accounts, you must opt-out of cookies in each account by logging in prior to opting-out of receiving cookies. Because we utilize probabilistic device identification techniques in our cross-device tracking efforts, you may inadvertently receive advertisements from us even though you have opted out from receiving them. You may also adjust your browser settings to accept or deny all cookies, or to request your permission each time a site attempts to set a cookie. Although cookies are not required for some parts of our services, our services may not work properly if you disable cookies entirely. Clearing cookies from your web browser may revoke a prior opt-out you have selected.
  • Local Storage Objects HTML5. We, and third parties with whom we partner to provide certain features on our website or to display advertising based upon your web browsing activity, use HTML5 to collect and store information. Various browsers may offer their own management tools for removing HTML5.
  • Clear GIFs or Web Beacons. We employ a software technology called clear gifs (also known as pixel tags or web beacons), that help us better manage content on our websites by allowing us to understand usage patterns, fix issues, and improve the products and services offered to you on our websites. We may use clear gifs in our emails to let us know which emails have been opened by recipients. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns. These activities may be performed by us or a service provider acting on our behalf.
  • Log Files. Like most websites, we use log files. Information collected in log files may include IP addresses, unique device IDs, browser type, Internet Service Provider (ISP), referring/exit pages, the files viewed on our site (e.g., HTML pages, graphics, etc.), platform type, date/time stamp, and number of clicks. We utilize this information to analyze trends, administer the site or mobile application, track user's movement in the aggregate, and gather broad demographic information for aggregate use. When you use certain online tax services, IP addresses and unique device IDs may be tied to personal information to enable users to file or transmit tax returns to the IRS.
  • Traffic Data. We collect information relating to traffic on our website. We may collect and record information on pages visited, mouse movements and clicks, scrolling activity, keystroke data that you voluntarily enter on our website, HTML data on a page visited, IP address or information your browser provides to our web server, such as, browser type, operating system, language, screen resolution, referring URL, etc. We utilize this data to improve our website and the products and services offered to you.
  • Online Behavioral Advertising. We allow third-party companies, such as Google DoubleClick Campaign Manager, to serve ads and collect certain pseudonymous information when you visit our websites. These companies may use this information (e.g., click stream information, browser information, time and date, device ID, geo-location, IP address, or subject of advertisements clicked or scrolled over), during your visits to our websites in order to provide advertisements about goods and services likely to be of greater interest to you and to enhance your consumer experience across the different devices that you use. These companies typically use a cookie or third-party web beacon to collect this information. We may engage different providers to provide similar services from time to time. To opt-out of this type of advertising visit the Network Advertising Initiative’s opt-out page. Options you select are browser and device specific. You may also opt out of this kind of advertising by adjusting the browser settings on your device. Some browsers have a “do not track” feature that lets you tell websites that you do not want to have your online activities tracked.
  • Mobile Device Information. We may record data from your mobile device such as Apple IDFA, general characteristics of your device and other device IDs.
  • Mobile Analytics. We use mobile analytics software to allow us to better understand the functionality of our mobile software on your phone. This software may record information such as how often you use the application, the events that occur within the application, aggregated usage, performance data, and where the application was downloaded from. We do not link the information we store within the analytics software to any personal information you submit within the mobile application.




How do we respond to web browser “do not track” signals?


We treat the data of everyone who comes to our websites in accordance with this Privacy Policy, whatever their "do not track" setting. While we do not respond to web browser "do not track" signals, we give you choices about receiving promotional offers from us or third-parties. You can exercise your choices as described in this Privacy Policy.




How do we secure your information?


The security of your personal information is important to us. We utilize administrative, technical, and physical safeguards to protect your information. If you have any questions about the security of our services, you can contact us by info@polydorfinancialservices.com.

We protect information submitted to us, both during transmission and once we receive it. Nevertheless, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, we cannot guarantee its absolute security.

We maintain physical, electronic and procedural safeguards that comply with applicable law and federal standards and that are designed to restrict access to your information. These safeguards include programs and specifications for physical security and records retention and disposal; computer and communication security measures reflected in system design, password protection, and data management practices; and other measures to restrict access to the data we hold in physical and electronic forms.

If we collect sensitive information (such as your social security number), we will encrypt the transmission of that information using secure socket layer technology (SSL).

If we share your information with our service providers, we require all service providers to have written contracts with us that require them to safeguard your information and prohibit them from selling, retaining, using or disclosing your information for any purpose other than for the specific purpose of performing the contract.




How long do we keep your information?


In accordance with applicable laws, we keep your information for as long as needed to serve you, maintain your account, as needed to operate our business, or to improve our offerings or develop new ones.

We retain your information (including geo-location data) for as long as your account is active or as needed to provide you services. We may retain or use your information as necessary to comply with our policies, legal obligations, resolve disputes, and enforce our agreements.

The IRS requires us to retain filed tax returns for a period of at least three years.

It is our policy that if you start, but do not complete, a tax return in our online tax programs, we will generally keep the tax return information you provide until the end of that tax season, after which it will be deleted from our system.

For more information, please see the "Updating or deleting your information" section of this Privacy Policy.




Business partners’ products and services, including social media features


This Privacy Notice does not apply to products or services offered by our business partners on or through our services (such as bank partners who offer Refund Transfers). You will be able to recognize when a business partner is associated with your transaction when its logo appears or is shown with our logo. You should carefully read the privacy notices and any terms and conditions applicable to such business partner’s products or services. When you request products or services from such companies, you give us permission to provide these business partners with information about you necessary to fulfill or process your request.

Our services may contain links to business partners' websites or offers for services from business partners. This Privacy Notice does not apply to these products or services. You should carefully read the privacy notices of the business partners providing such products or services and any terms and conditions applicable to such products or services.

Your use of social media features may use scripting or may require us to share your IP address and which page you are visiting to enable the feature to function properly. Social media features and widgets are either hosted by a business partner or hosted directly on our site, and your interactions with these features are governed by the privacy notice of the company providing it. Examples of these features are the Facebook "Like" button, the "Share This" button, and interactive mini-programs that run on our services.




Accessing our services from outside the United States


We process your information to provide the products and services you request and for our legitimate business interests, including marketing and tax preparation fraud prevention.

Our services are hosted on servers located in the United States. We also use service providers located in the United States to bring you our products and services. The transfer of your information to the United States is necessary to deliver our products and services. Please be aware that the laws in the United States may not provide the same level of protection to your personal information as your home country.

If you are accessing our products or services from the European Union, you have certain rights regarding the processing of your personal information. For instance, if the information you provide contains special categories of personal data, we will only process it with your explicit consent, which can be withdrawn at any time. You have the following additional rights:

You have the right to access and correct your information. You have the right to obtain erasure of your information, object to or restrict processing activities related to your information, or withdraw your consent to the processing of your information after you have provided it.

You have the right to obtain a copy of your information in a structured, commonly used, machine readable format.

You have the right to lodge a complaint with your local supervisory authority regarding our processing of your information.

To exercise your rights, or if you otherwise have questions about the processing of your personal data, you may contact us at info@polydorfinancialservices.com or call a US-based representative at 954-900-8742.




California Residents


If you are a California resident, you may have the following rights over your information:

For the period covering the 12 months preceding your request, you may request that we disclose to you the categories and specific pieces of information collected about you, the categories of sources from which we collected that information, and the purposes for which your information was collected.

You may also request that we delete information we collected from you. You have the right not to be discriminated against for exercising your rights over your information.

To exercise your rights, or if you have questions, you may submit a request online or call 954-900-8742.




Links


The web site contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites.




Surveys & Contests


From time-to-time our site requests information via surveys or contests. Participation in these surveys or contests is completely voluntary and you may choose whether or not to participate and therefore disclose this information. Information requested may include contact information (such as name and shipping). Contact information will be used to notify the winners ad award prizes. Survey information will be used for purposes of monitoring or improving the use and satisfaction of this site.




Contact Us


If you have questions or concerns regarding this Privacy Notice, contact us by clicking here, by calling 954-900-8742, or by mail through the mailing address below.




Changes to the Privacy Policy


We reserve the right to modify, improve or otherwise correct any content, image, or information on this Website without prior notice. We also reserve the right to suspend or deny access to this Website for any reason, including without limitation, maintenance, upgrades, or to protect the security of this Website. Please check the Terms of Use periodically for changes.




Effective Date


This Privacy Policy is effective December 15, 2019.





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