Privacy Policy | Lote Tree Financial

Lote Tree Financial Services LLC is a Texas limited liability company providing bookkeeping, QuickBooks support, and related financial recordkeeping services to small businesses. Our business contact information is provided at the end of this policy.

For purposes of this policy, “you” means any individual or business that visits our website, contacts us, requests a consultation, or engages us as a client.

We collect the following categories of information:

2.1 Information You Provide to Us

• Contact information you submit through our website, email, phone, or consultation-scheduling tools, including your name, business name, email address, phone number, and the message or inquiry you send.
• Consultation information: details you share during a free consultation, such as your business type, current bookkeeping situation, and the services you are interested in.
• Client engagement information: if you become a client, we collect information required to provide bookkeeping services, including business identification details, financial records, bank and credit-card statement information, QuickBooks Online access credentials, and other financial documents you provide or authorize us to access.

2.2 Information Collected Automatically

When you visit our website, we may automatically collect limited technical information, including:

• IP address, browser type, device type, and operating system
• Pages visited, referring website, and time spent on our site
• Cookies and similar tracking technologies (see Section 8 below)

We use standard web analytics tools to understand how visitors use our site so we can improve it.

2.3 Information from Third Parties

We may receive information about you from third parties in limited circumstances, such as when you are referred to us by an existing client or when we use publicly available business information to verify identity during client onboarding.

We use the information we collect for the following purposes:

• To respond to your inquiries, questions, and consultation requests
• To provide the bookkeeping, QuickBooks support, and related services you have engaged us for
• To maintain accurate financial records on your behalf as a client
• To communicate with you about your account, service updates, and administrative matters
• To improve our website, services, and client experience
• To comply with legal, tax, regulatory, and professional obligations
• To detect, prevent, and address fraud, security issues, and unauthorized access

We do not sell your personal information. We do not use your personal or financial information for behavioral advertising, targeted advertising, or profiling.

We treat your personal and financial information as confidential. We share it only in the following limited circumstances:

4.1 Service Providers

We use trusted third-party service providers to help us operate our business and deliver services. These may include:

• Intuit / QuickBooks Online: where client bookkeeping data is stored and processed
• Website hosting and email providers: supporting the operation of our website and business communications
• Consultation scheduling tools: for booking free consultations
• Analytics providers: for understanding website usage

Each of these providers has access to information only as needed to perform their function and is contractually or professionally obligated to protect it.

4.2 Legal and Regulatory Requirements

We may disclose information when required by law, subpoena, court order, or regulatory authority, or when necessary to protect our rights, safety, or the safety of others.

4.3 Professional Obligations

As a provider of bookkeeping services, we may share client information with the client’s own accountant, tax preparer, or auditor when the client has authorized such disclosure.

4.4 Business Transfers

If Lote Tree Financial is involved in a merger, sale, or transfer of business assets, client and website-visitor information may be transferred as part of that transaction, subject to the terms of this policy.

We do not sell, rent, or trade your personal or financial information to third parties for their marketing purposes.

Because we provide bookkeeping and financial services, some of the information you share with us as a client is nonpublic personal financial information. We handle this information with the confidentiality expected of a professional financial services provider.

We limit access to your financial information to individuals who need it to perform work on your behalf. We use reasonable administrative, technical, and physical safeguards designed to protect this information, including secure QuickBooks Online access, multi-factor authentication where available, encrypted communications for sensitive documents, and controlled document storage.

No system can be guaranteed to be 100% secure. We work to protect your information but cannot guarantee absolute security.

We retain your information for as long as needed to provide the services you have engaged us for and to comply with our legal, tax, and professional obligations. Client financial records are typically retained for at least the periods required by applicable federal and state tax and recordkeeping rules.

If you contact us but do not become a client, we may retain your inquiry information for a reasonable period for reference and follow-up. You may request deletion of inquiry information at any time by contacting us.

Depending on where you live, you may have specific rights regarding your personal information. These may include the right to:

• Request access to the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your information, subject to legal and professional record-retention obligations
• Opt out of certain types of processing
• Appeal a denial of any of these requests

Texas residents may have rights under the Texas Data Privacy and Security Act, including the rights described above. California residents may have rights under the California Consumer Privacy Act, including the right to know what personal information we collect and to request deletion. Residents of other states with comprehensive privacy laws may have similar rights.

To exercise any of these rights, please contact us using the contact information at the end of this policy. We will respond within the timeframes required by applicable law (generally 45 days, with a possible extension).

We will not discriminate against you for exercising any of these rights.

Our website uses cookies and similar technologies to help the site function properly and to understand how visitors use it. Cookies are small text files stored on your device.

We use the following categories of cookies:

• Essential cookies: required for the website to function
• Analytics cookies: help us understand how visitors interact with our site (for example, through Google Analytics)

You can control cookies through your browser settings. Blocking essential cookies may affect how the website functions. If we use any advertising or targeting cookies in the future, we will update this policy accordingly.

Our website may contain links to third-party websites, such as social media platforms, QuickBooks resources, or other referenced sites. This Privacy Policy does not apply to those third-party sites. We encourage you to review the privacy policies of any third-party sites you visit.

Our website and services are directed to businesses and adults. We do not knowingly collect personal information from children under the age of 13. If you believe a child has provided us with personal information, please contact us and we will delete it.

Lote Tree Financial is based in the United States and provides services to small businesses within the United States. Our website and services are not intended for individuals located outside the United States. If you access our website from outside the U.S., you do so on your own initiative.

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will update the “Last Updated” date at the top of this policy and, where appropriate, provide additional notice through our website or by contacting you.

We encourage you to review this policy periodically to stay informed about how we protect your information.

If you have questions, concerns, or requests regarding this Privacy Policy or how we handle your information, please contact us:

This Privacy Policy is provided to inform you of our practices regarding personal information. It does not create any contractual rights or obligations beyond those required by applicable law.