Privacy Policy
Your privacy matters to us. This policy explains how Vincenzo Belcaro collects, uses, and protects your personal information when you use our financial statement analysis services.
Information We Collect
We collect information you provide directly to us when using our services, visiting our website, or communicating with our team. This includes personal details necessary for delivering our financial analysis services effectively.
Personal Information
- Name, email address, phone number, and business contact details
- Company information including business name and industry type
- Financial documents and statements you share for analysis purposes
- Communication preferences and service requirements
Technical Information
- IP address, browser type, and device information
- Website usage patterns and page interaction data
- Login credentials and account access information
- Cookies and similar tracking technologies data
How We Use Your Information
Your information helps us provide personalized financial analysis services and maintain effective business relationships. We use collected data to deliver the services you request and improve our offerings over time.
- Providing comprehensive financial statement analysis and related services
- Communicating about your projects, appointments, and service updates
- Processing payments and maintaining accurate billing records
- Improving our services based on client feedback and usage patterns
- Sending relevant educational content and industry insights when requested
- Complying with legal obligations and maintaining business records
Information Sharing and Disclosure
We respect the confidential nature of financial information and limit sharing to essential business purposes. Your trust is important to us, and we never sell personal information to third parties.
Service Providers
We may share information with trusted partners who help us operate our business, including technology providers, payment processors, and professional service firms. These partners are bound by confidentiality agreements.
Legal Requirements
We may disclose information when required by law, court order, or government regulation. This includes compliance with tax reporting requirements and regulatory oversight of financial services.
Business Transfers
In the event of a merger, acquisition, or sale of business assets, client information may be transferred as part of the transaction, always with continued privacy protection commitments.
Your Privacy Rights
You have important rights regarding your personal information. We're committed to helping you exercise these rights and maintaining transparency about our data practices.
Access Rights
Request copies of personal information we hold about you, including details about how we collect and use your data.
Correction Rights
Ask us to update or correct inaccurate personal information in our records at any time.
Deletion Rights
Request deletion of your personal information, subject to legal and business record-keeping requirements.
Portability Rights
Receive your personal information in a structured, commonly used format for transfer to another service provider.
To exercise any of these rights, please contact us using the information provided below. We'll respond to your request within 30 days and may need to verify your identity before processing certain requests.
Data Security and Protection
Protecting your financial information is a top priority. We implement multiple layers of security to safeguard data both in transit and at rest.
Technical Safeguards
- SSL encryption for all data transmissions between your device and our servers
- Regular security audits and penetration testing of our systems
- Multi-factor authentication for all team member accounts
- Automated backup systems with encrypted storage
Administrative Safeguards
- Strict access controls limiting who can view client information
- Regular training for team members on privacy and security practices
- Confidentiality agreements with all staff and contractors
- Incident response procedures for potential security breaches
While we implement strong security measures, no system is completely immune to risks. We continuously monitor and update our security practices to address emerging threats and maintain the highest protection standards.
Data Retention and Deletion
We retain personal information only as long as necessary to provide our services and comply with legal requirements. Different types of information have different retention periods based on business and regulatory needs.
Client Records
Active client files and financial documents are retained for the duration of our business relationship plus seven years, as required by federal recordkeeping regulations for financial service providers.
Communication Records
Email correspondence and meeting notes are typically retained for three years after the last client interaction, unless longer retention is required for specific legal or business purposes.
Website Data
Website analytics and usage data are retained for up to two years to help us understand user preferences and improve our online services. Personal identifiers are removed from this data whenever possible.
When retention periods expire, we securely delete or anonymize personal information using industry-standard data destruction methods. You can request early deletion of your information, subject to our legal and regulatory obligations.
Cookies and Tracking Technologies
Our website uses cookies and similar technologies to enhance your browsing experience and understand how our site is used. You have control over most cookie settings through your browser preferences.
Essential Cookies
These cookies are necessary for basic website functionality, including security features and user authentication. They cannot be disabled without affecting site performance.
Analytics Cookies
We use analytics cookies to understand visitor behavior and improve our website. This information is aggregated and doesn't identify individual users. You can opt out of analytics tracking at any time.
Preference Cookies
These cookies remember your choices and settings to provide a more personalized experience during future visits. They're entirely optional and can be disabled in your browser settings.
Third-Party Services
We work with carefully selected third-party service providers to deliver our services effectively. These partnerships are governed by strict data protection agreements that align with our privacy commitments.
- Cloud storage providers for secure document management and backup services
- Email marketing platforms for sending newsletters and service updates to interested clients
- Payment processors for handling invoices and financial transactions securely
- Professional software providers for financial analysis tools and client communication platforms
- IT support services for maintaining our technology infrastructure and security systems
We regularly review our third-party relationships to ensure they maintain appropriate privacy and security standards. Any significant changes in our service provider relationships that might affect your privacy will be communicated through updates to this policy.
International Data Transfers
While our primary operations are based in Detroit, Michigan, some of our service providers may process data in other locations. When international transfers occur, we ensure appropriate safeguards are in place to protect your information.
Transfer Safeguards
- Standard contractual clauses approved by relevant data protection authorities
- Adequacy decisions recognizing equivalent privacy protection in destination countries
- Certification programs demonstrating compliance with international privacy standards
- Regular audits of international service providers to verify ongoing compliance
We limit international transfers to situations where they're necessary for service delivery and always with contractual protections that meet or exceed U.S. privacy requirements.
Policy Updates and Changes
This privacy policy may be updated periodically to reflect changes in our practices, legal requirements, or service offerings. We'll notify you of significant changes through email or prominent website notices.
Change Notification Process
For minor updates that don't materially affect your rights, we'll post the revised policy on our website with an updated effective date. For substantial changes, we'll provide at least 30 days' advance notice via email to active clients.
We encourage you to review this policy periodically to stay informed about how we protect your information. Continued use of our services after policy updates indicates your acceptance of the revised terms.
Privacy Questions and Concerns
We're here to address any questions about our privacy practices or help you exercise your privacy rights. Don't hesitate to reach out if you need clarification about how we handle your information.
Detroit, MI 48210