SCTAXSaintCoreTax

Privacy Policy

Last updated: March 18, 2026

1. 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.

Automatically Collected

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

2. 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

3. Data Sharing

We do not sell your personal information. We share data only with:

  • IRS and state tax authorities (as required for tax filing and resolution)
  • Credit bureaus (for credit repair dispute processing)
  • Payment processors (Stripe — tokenized payment data only)
  • Cloud service providers (encrypted storage on AWS)
  • E-signature providers (for document signing)
  • As required by law or legal process

4. Data Security

We protect your data with:

  • AES-256 encryption for sensitive fields (SSN, EIN, passport numbers)
  • Encrypted file storage with pre-signed, time-limited access URLs
  • Role-based access controls — staff only see data for their assigned clients
  • Comprehensive audit logging of all data access
  • Regular security assessments
  • Compliance with IRS Publication 4557 and FTC Safeguards Rule

5. Data Retention

Tax records are retained for 7 years per IRS requirements. Credit repair records are retained for 3 years after case closure. You may request deletion of non-regulatory data at any time.

6. Your Rights

You have the right to:

  • Access your personal data
  • Download all your documents
  • Request correction of inaccurate information
  • Request deletion (subject to regulatory retention requirements)
  • Opt out of marketing communications

7. Credit Repair Specific Disclosures (CROA)

For credit repair services: You have the right to dispute inaccurate items on your credit report directly with the credit bureaus at no cost. Under the Credit Repair Organizations Act, you have a 3-business-day right to cancel your credit repair agreement. No fees are charged until services have been performed.

8. Cookies

We use essential cookies for authentication and session management. We do not use third-party tracking cookies for advertising purposes.

9. Breach Notification

In the event of a data breach affecting your personal information, we will notify you in accordance with Illinois Personal Information Protection Act (PIPA) and applicable state laws.

10. Contact

For privacy inquiries or data requests:

SaintCoreTax
123 W Madison St, Suite 400
Chicago, IL 60602
privacy@saintcoretax.com