Privacy Policy

This Privacy Policy describes how STEPHEN P. GARCIA, JR., CPA (“we,” “us,” or “our”) collects, uses, discloses, and protects your personal information in compliance with the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA). This policy applies to all personal information collected from California residents, including information provided through our payment authorization forms, website, and in the course of providing tax preparation and related services.

Updated as of January 1, 2026

1. Categories of Personal Information Collected

We may collect the following categories of personal information:

Identifiers: Name, address, email address, phone number, signature.
Financial Information: Credit card number, expiration date, CVV, billing address, bank account number, routing number, account type.
Commercial Information: Records of services purchased, obtained, or considered.
Internet or Other Electronic Network Activity: If you use our website, information such as IP address, browser type, and browsing activity.
Professional or Employment Information: If relevant to your tax preparation.
Sensitive Personal Information: Financial account, debit or credit card number in combination with security or access code.

2. Categories of Sources

We collect personal information from:

You directly, when you complete forms, provide documents, or communicate with us.
Our website, if you interact with us online.
Third parties, such as financial institutions or tax authorities, as authorized by you.

3. Purposes for Collection, Use, and Disclosure

We collect and use your personal information for the following purposes:

To process payments for tax preparation and related services.
To verify your identity and prevent fraud.
To communicate with you regarding your services and invoices.
To comply with legal, regulatory, and professional obligations.
To maintain business records and for accounting purposes.
To improve our services and website functionality.

4. Categories of Third Parties to Whom Information is Disclosed

We may disclose your personal information to:

Service providers who assist with payment processing, IT support, or document management (bound by confidentiality and data protection obligations).
Government agencies or regulatory authorities, as required by law.
Other third parties with your explicit authorization or as necessary to provide our services.

5. Sale or Sharing of Personal Information

We do not sell or share your personal information with third parties for marketing or advertising purposes. We do not sell or share sensitive personal information.

6. Retention Periods

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected, to comply with legal and regulatory requirements, and for legitimate business needs. Typically, payment

authorization records are retained for at least two years, and tax records are retained for a minimum of seven years, or as otherwise required by law.

7. Consumer Rights Under California Law

As a California resident, you have the following rights:

Right to Know: You may request information about the categories and specific pieces of personal information we have collected about you.
Right to Delete: You may request deletion of your personal information, subject to certain exceptions.
Right to Correct: You may request correction of inaccurate personal information.
Right to Opt-Out: You may direct us not to sell or share your personal information (we do not sell or share your information).
Right to Limit Use of Sensitive Personal Information: You may request that we limit the use of your sensitive personal information to what is necessary to perform our services.
Right to Non-Discrimination: We will not discriminate against you for exercising any of your privacy rights.

8. How to Exercise Your Rights

You may submit requests to know, delete, or correct your personal information, or to limit the use of your sensitive personal information, by:

Email: info@spgtax.com
Phone: 424-966-1099
Mail: 3812 Sepulveda Blvd, Ste. 450, Torrance, CA 90505

We will verify your identity before processing your request and respond within the timeframes required by law.

9. Notice of Financial Incentives

We do not offer financial incentives, price, or service differences in exchange for the retention or sale of your personal information.

10. Security Practices

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, or disclosure. Our service providers are required to maintain similar protections.

11. Policy Updates

We may update this Privacy Policy from time to time. The effective date at the top of this policy indicates when it was last revised. Material changes will be communicated to you as required by law.

12. Accessibility

This Privacy Policy is available in alternative formats upon request. Please contact us if you require an accessible version.

13. Information for Minors

We do not knowingly collect or sell personal information from children under the age of 16.

14. Global Privacy Control

If you use a browser or device that sends a Global Privacy Control (GPC) signal, we will honor such requests as required by law.

If you have any questions about this Privacy Policy or our privacy practices, please contact:

Email: info@spgtax.com
Phone: 424-966-1099
Mail: 3812 Sepulveda Blvd, Ste. 450, Torrance, CA 90505