Privacy Policy

1. Who We Are

Saint Core Holdings LLC (“SaintCoreTax,” “we,” “us,” “our”) operates the SaintCoreTax platform, a multi-tenant B2B SaaS platform for tax and financial services firms.

Address: Chicago, Illinois
Contact: support@saintcoretax.com

2. Information We Collect

Personal Information

We collect information you provide including: name, email, phone number, address, date of birth, Social Security Number (SSN), Individual Taxpayer Identification Number (ITIN), Employer Identification Number (EIN), passport information, bank account details (tokenized — never stored directly), tax documents, financial records, and credit reports.

Communication Data

We collect communication data including messages, SMS, call recordings (if consented), and chat messages exchanged through the platform.

Automatically Collected

We collect IP address, browser type, device information, and usage data for security and service improvement.

3. How We Collect Information

We collect information through the following channels:

• Client portal and account registration
• Mobile app
• In-office walk-in visits
• Document uploads
• Phone and SMS communications
• Third-party integrations (QuickBooks, Xero)

4. How We Use Your Information

• Tax preparation and filing services
• Tax resolution and IRS representation
• Credit repair dispute processing
• ITIN application preparation
• Business formation services
• Bookkeeping and financial record management
• Identity verification and fraud prevention
• Communication about your services
• Legal compliance and regulatory requirements
• Sending appointment reminders via SMS and email
• Sending document request notifications
• Sending tax return status updates
• Processing payments through Stripe
• Two-factor authentication

5. SMS/Text Messaging Disclosure

Program name: SaintCoreTax Services.

By providing your phone number, you consent to receive SMS and WhatsApp messages from SaintCoreTax Services. Messages may include appointment reminders, document requests, tax return status updates, payment notifications, and account verification codes.

Message and data rates may apply.

Message frequency varies based on your account activity.

You can opt out of text messages at any time by replying STOP to any message.

For help, reply HELP to any message or email support@saintcoretax.com.

We do not use your phone number for marketing purposes. Messages are strictly transactional and related to your tax services. Mobile carriers are not liable for delayed or undelivered messages.

We do not sell or rent your phone number or messaging consent to any third party. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

6. How We Share Your Information

We may share your information with:

• Your Tax Firm — The firm you engaged through the SaintCoreTax platform to provide your tax and financial services.
• Payment Processors — Stripe, for processing payments securely.
• Communication Providers — Twilio, for SMS and call functionality.
• Legal Requirements — When required by law, subpoena, or legal process.

WE DO NOT sell, rent, or share your personal information with third parties for marketing purposes. Period.

7. Data Security

We protect your data with:

• AES-256 encryption for sensitive data
• TLS 1.2+ for all data in transit
• Supabase with row-level security
• Role-based access controls (RBAC)
• Two-factor authentication (2FA)
• Compliance with IRS Publication 4557 and FTC Safeguards Rule

8. Data Retention

Tax records are retained for 7 years per IRS requirements. You may request deletion of your data at any time, subject to legal and regulatory retention obligations. To request deletion, contact support@saintcoretax.com.

9. Cookies

We use essential cookies only for authentication and session management. We do not use tracking or advertising cookies.

10. Children's Privacy

SaintCoreTax is not directed at individuals under the age of 13. We do not knowingly collect personal information from children under 13. If we discover that we have collected data from a child under 13, we will delete that information promptly.

11. Your Rights

You have the right to:

• Access your personal data
• Correct inaccurate information
• Request deletion of your data
• Opt out of SMS messages by replying STOP
• Data portability

To exercise any of these rights, contact support@saintcoretax.com.

12. California Residents (CCPA)

If you are a California resident, you have the right to: know what personal information we collect and how it is used, request deletion of your personal information, opt out of the sale of personal information (we do not sell your data), and not be discriminated against for exercising your privacy rights. To exercise these rights, contact support@saintcoretax.com.

13. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes. Your continued use of the platform after changes are posted constitutes acceptance of the updated policy.

14. Contact Us

For privacy inquiries or data requests:

Saint Core Holdings LLC
Chicago, Illinois
support@saintcoretax.com