Privacy Policy
Updated 1/1/2025
B & K Financial Corp. ("Company," "we," "us," or "our") values your privacy and is committed to protecting your personal and financial information. This Privacy Policy explains how we collect, use, disclose, and protect your information when you use our services, website, and other digital platforms.
1. Information We Collect
We collect personal and financial information to provide you with our virtual accounting and tax services. The types of information we may collect include:
Personal Identifiable Information (PII): Name, address, phone number, email address, date of birth, and Social Security Number (SSN).
Financial Information: Bank account details, tax documents, income details, business financials, and payment information.
Technical Information: IP address, browser type, device information, and interaction with our website and services.
Communication Data: Records of customer service inquiries, emails, or messages sent through our platform.
2. How We Use Your Information
We use your information for the following purposes:
To provide accounting, tax filing, bookkeeping, and financial advisory services.
To process transactions, tax returns, and financial statements.
To verify your identity and prevent fraud.
To communicate with you regarding your services, updates, and marketing offers (you may opt out at any time).
To improve our website, services, and customer experience.
To comply with legal, tax, and regulatory requirements.
3. How We Share Your Information
We do not sell your personal information. However, we may share your data with:
Third-Party Service Providers: To facilitate payment processing, cloud storage, or tax submission software.
Regulatory Authorities: When required by law, IRS, or other governmental agencies for compliance purposes.
Business Partners: When collaborating with trusted partners who assist in delivering our services.
Legal and Security Reasons: To protect our rights, prevent fraud, or respond to lawful requests.
4. Data Security Measures
We implement strict security measures to protect your data, including:
Encryption of sensitive data during transmission and storage.
Restricted access to authorized personnel only.
Regular security audits and system updates.
Multi-factor authentication (MFA) for enhanced login security.
5. Your Rights & Choices
You have the right to:
Access, update, or correct your personal information.
Request deletion of your data (subject to legal or contractual obligations).
Opt out of marketing communications.
Restrict or object to certain data processing activities.
To exercise these rights, contact us at [Insert Contact Email].
6. Cookies & Tracking Technologies
Our website may use cookies and similar tracking technologies to enhance user experience. You can modify your browser settings to disable cookies, but this may affect functionality.
7. Retention of Data
We retain your data only as long as necessary to fulfill our services, comply with legal obligations, and resolve disputes.
8. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for their privacy practices and encourage you to review their policies.
9. Children's Privacy
Our services are not intended for children under 18. We do not knowingly collect data from minors.
10. Changes to This Privacy Policy
We may update this Privacy Policy periodically. Any changes will be posted on our website with the revised date.
11. Contact Us
If you have any questions about this Privacy Policy or how we handle your data, please contact us at:
B & K Financial Corp.
402 W Broadway, Ste 400
San Diego CA 92101
info@bkfinancial.org
(858) 868-7232
Terms and Conditions
Updated 1/1/2025
Welcome to B & K Financial Corp. (“Company,” “we,” “us,” or “our”). By accessing or using our website and services, you agree to comply with and be bound by these Terms and Conditions. If you do not agree with these terms, please do not use our services.
1. Services Provided
B & K Financial offers virtual accounting, bookkeeping, tax preparation, financial advisory, and related financial services. Our services are provided on a subscription-based model with transparent pricing and no hidden fees.
2. Eligibility
By using our services, you confirm that you:
Are at least 18 years old and capable of entering into a legally binding agreement.
Provide accurate and complete information required for our services.
Agree to comply with all applicable laws and regulations.
3. Client Responsibilities
You agree to:
Provide truthful and complete financial information for accurate reporting and tax filing.
Review and approve documents before submission to tax authorities or regulatory bodies.
Maintain the security of your account credentials and notify us immediately of unauthorized access.
Comply with all applicable federal, state, and local tax laws and regulations.
Failure to provide accurate information may result in errors, delays, or penalties, for which B & K Financial is not responsible.
4. Fees & Payment
Our services operate on a transparent subscription-based pricing model with no hidden fees.
Fees are charged based on the selected service package and payment is required upfront or as per the agreed billing cycle.
Late payments may result in suspension or termination of services.
No refunds will be provided once services have commenced unless otherwise specified in a written agreement.
5. Confidentiality & Data Protection
We take the privacy and security of your financial data seriously. Please refer to our Privacy Policy for details on data collection and protection.
We implement strict confidentiality measures to protect your financial and personal information.
You acknowledge that electronic communications are not 100% secure and agree to take precautions when sharing sensitive information.
6. Limitation of Liability
While we strive for accuracy and reliability, we do not guarantee that our services will be error-free.
We are not liable for any financial losses, penalties, or damages resulting from inaccurate information provided by you or delays caused by regulatory agencies.
B & K Financial is not responsible for third-party software or system failures that may impact service delivery.
In no event shall our total liability exceed the amount you paid for the services provided.
7. Tax & Legal Compliance
Our services are based on the information you provide and do not constitute legal or tax advice.
You are responsible for ensuring compliance with tax laws and regulatory requirements.
If audits or disputes arise, B & K Financial will provide assistance but is not liable for penalties imposed by the IRS or other agencies.
8. Service Termination
You may cancel your subscription at any time, but fees paid are non-refundable.
We reserve the right to terminate or suspend services if:
You fail to make required payments.
You provide fraudulent or misleading information.
You violate these Terms and Conditions or engage in unlawful activity.
9. Intellectual Property
All website content, branding, and materials provided by B & K Financial are our intellectual property.
You may not copy, distribute, or use our materials for commercial purposes without written permission.
10. Third-Party Services & Links
Our services may integrate with third-party platforms (e.g., payment processors, tax software).
We are not responsible for the policies or performance of third-party services.
11. Dispute Resolution
Any disputes arising from these Terms will first be attempted to be resolved through good-faith negotiations.
If unresolved, disputes shall be subject to binding arbitration in [Your State] under applicable laws.
12. Changes to Terms
We reserve the right to update these Terms and Conditions at any time.
Changes will be posted on our website, and continued use of our services constitutes acceptance of the updated terms.
13. Contact Information
For any questions or concerns regarding these Terms and Conditions, please contact us at:
B & K Financial Corp.
402 W Broadway, Ste 400
San Diego CA 92101
info@bkfinancial.org
(858) 868-7232
Data Security Policy
Updated 1/1/2025
1. Purpose
B & K Financial Corp. is committed to protecting the confidentiality, integrity, and availability of client data. This Data Security Policy outlines the measures we implement to safeguard financial and personal information against unauthorized access, breaches, or misuse.
2. Scope
This policy applies to:
All employees, contractors, and third-party service providers handling client data.
All electronic and physical records, financial information, and communication systems used by B & K Financial.
All systems, applications, and databases storing client and company data.
3. Data Collection & Classification
B & K Financial categorizes data based on sensitivity:
Confidential Data: Client personal and financial information, tax documents, payment details, and identification records.
Internal Data: Employee information, internal communications, and non-public company records.
Public Data: Marketing materials, website content, and non-sensitive business information.
Confidential data requires the highest level of protection and must not be shared or accessed by unauthorized personnel.
4. Data Encryption & Protection
To prevent unauthorized access, we implement:
Encryption: All client data is encrypted during transmission (SSL/TLS) and at rest using industry-standard encryption protocols.
Access Control: Role-based access is enforced to ensure only authorized personnel can access sensitive data.
Multi-Factor Authentication (MFA): All employees and clients accessing financial records must authenticate using MFA.
Password Security: Strong password policies are enforced, requiring regular updates and complex password requirements.
5. Data Storage & Retention
All client records are stored securely in encrypted cloud storage with restricted access.
Data is retained only as long as necessary for business operations and compliance requirements.
Upon request, client data will be permanently deleted following applicable regulatory guidelines.
6. Data Sharing & Third-Party Access
We limit data sharing to:
Authorized personnel within B & K Financial who require access to perform services.
Regulatory authorities when required by law (e.g., IRS, state agencies).
Third-party service providers (e.g., payment processors, cloud storage) who comply with strict data security standards.
All third-party vendors undergo security assessments to ensure compliance with our security policies.
7. Network & System Security
Firewalls & Intrusion Detection: Firewalls and security monitoring tools protect our systems from unauthorized access.
Regular Security Audits: Periodic security audits and penetration testing are conducted to identify vulnerabilities.
Software Updates & Patch Management: Systems and software are updated regularly to mitigate security risks.
8. Employee Training & Security Awareness
All employees undergo security training covering:
Safe data handling and best practices for protecting client information.
Identifying phishing attempts, malware, and other cyber threats.
Secure password management and authentication policies.
Employees handling confidential data must sign a Non-Disclosure Agreement (NDA).
9. Incident Response & Data Breach Protocol
In the event of a data breach, B & K Financial follows these steps:
Detection & Reporting: Security incidents must be reported immediately to the designated security officer.
Containment & Investigation: The IT team will investigate and contain the breach to prevent further access.
Notification: Affected clients and regulatory authorities will be notified as required by law.
Remediation: Security patches and additional protections will be implemented to prevent future incidents.
10. Compliance & Regulatory Requirements
B & K Financial adheres to:
IRS Data Security Standards for tax preparers.
GLBA (Gramm-Leach-Bliley Act) for financial data protection.
State & Federal Privacy Laws, including applicable data protection regulations.
11. Policy Updates
This Data Security Policy is reviewed annually and updated as necessary to align with evolving security threats and compliance requirements.
12. Contact Information
For questions regarding data security, please contact:
B & K Financial Corp.
402 W Broadway, Ste 400
San Diego CA 92101
info@bkfinancial.org
(858) 868-7232