Privacy Policy

1. Introduction

L&L Secured Financial ("Company," "we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit securedfinancial.com (the "Site") or engage us for professional services.

This Policy is intended to comply with applicable U.S. federal and state privacy laws, including but not limited to the Gramm-Leach-Bliley Act (GLBA), the IRS Safeguards Rule (16 C.F.R. Part 314), and applicable Florida state privacy regulations.

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2. Information We Collect

Information you provide directly:

• Name, email address, phone number, and business name submitted through contact forms or consultation requests

• Financial, tax, and business information shared in the course of an engagement

• Communications sent to us by email or through the Site

Information collected automatically:

• IP address, browser type, operating system, and referring URLs

• Pages visited, time spent on pages, and clickstream data collected via cookies and analytics tools (e.g., Google Analytics)

Information we do not collect:
We do not collect Social Security numbers, payment card numbers, or bank account information through this Site. Such information, when required for professional services, is collected through secure, separately disclosed channels.

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3. How We Use Your Information

We use the information we collect to:

• Respond to inquiries and schedule consultations

• Provide and deliver professional accounting, tax, and advisory services

• Communicate with you about engagements, deadlines, and firm updates

• Improve Site performance and user experience

• Comply with legal, regulatory, and professional obligations

• Protect against fraud, unauthorized access, or misuse

We do not sell your personal information to third parties.

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4. Legal Basis for Processing (GLBA Compliance)

As a financial services firm, L&L Secured Financial is subject to the Gramm-Leach-Bliley Act. We collect and use nonpublic personal information (NPI) only as permitted by law: to provide services you have requested, to comply with legal obligations, and with your consent where required. You have the right to opt out of certain disclosures of your NPI to nonaffiliated third parties, subject to applicable exceptions.

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5. Information Sharing and Disclosure

We may share your information only in the following circumstances:

• Service providers: Third-party vendors who assist in operating our Site or delivering services (e.g., scheduling platforms, cloud storage, tax software), bound by confidentiality obligations

• Legal compliance: When required by law, subpoena, court order, or to protect the rights, property, or safety of the Company or others

• Professional standards: As required by AICPA or IRS regulations governing tax practice

• Business transfer: In connection with a merger, acquisition, or sale of assets, with prior notice to affected clients where feasible

We do not sell, rent, or trade your personal information.

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6. Cookies and Tracking Technologies

This Site uses cookies and similar technologies to enhance functionality and analyze traffic. You may configure your browser to refuse cookies; however, some features of the Site may not function properly as a result. We do not use cookies for targeted advertising.

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7. Data Retention

We retain client records and associated personal information for a minimum of seven (7) years following the conclusion of an engagement, consistent with IRS recordkeeping requirements and applicable professional standards. Site usage data is retained for up to twenty-four (24) months.

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8. Data Security

We implement administrative, technical, and physical safeguards consistent with the IRS Safeguards Rule and GLBA requirements to protect your information from unauthorized access, disclosure, alteration, or destruction. These measures include encrypted data transmission, access controls, and periodic security assessments. No method of electronic transmission or storage is 100% secure; we cannot guarantee absolute security.

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9. Children's Privacy

This Site is not directed to individuals under the age of 13. We do not knowingly collect personal information from children. If you believe a child has submitted information to us, please contact us immediately and we will delete it.

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10. Your Rights and Choices

Depending on your state of residence, you may have the right to:

• Access the personal information we hold about you

• Request correction of inaccurate information

• Request deletion of your information, subject to legal retention obligations

• Opt out of certain disclosures of your nonpublic personal information

To exercise any of these rights, contact us at hello@securedfinancial.com. We will respond within 30 days.

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11. California Residents

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA) as amended by the CPRA, including the right to know, delete, correct, and opt out of the sale or sharing of your personal information. L&L Secured Financial does not sell or share personal information as defined under the CCPA. To submit a verifiable consumer request, contact us at hello@securedfinancial.com.

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12. Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in law, technology, or our practices. The updated policy will be posted on this page with a revised effective date. We encourage you to review this Policy periodically.