This Privacy Policy describes how Moreno Financial Services ("we," "us," "our") handles personal information when you use morenofinancialservices.com, contact us, book a call, request a free checklist, or engage us for tax preparation or bookkeeping.

Practical summary: we collect what you send us so we can reply, book, and deliver services. We do not sell your personal information. Sensitive tax identifiers (SSN, full returns, bank accounts) must not be submitted through public website forms.

1. Who we are

Moreno Financial Services
Kempner, TX 76539, United States
Phone: (254) 312-0404
Email: jmoreno@morenofinancialservices.com

We are a home-based small business serving Central Texas and remote clients. The locality above is our public website contact location (street address is not published on this site). Commercial email we send must include a valid physical postal address or registered mailbox as required by applicable law.

2. Information we collect

You provide

Contact and inquiry data: name, email, phone, message, and any details you include in forms or email.
Booking data: when you schedule through Cal.com (name, email, time zone, notes).
Lead-magnet data: name and email when you request the free tax checklist (and marketing consent if you opt in).
Client engagement files: tax documents, SSNs, bank data, and related records, collected only after engagement and only through secure channels we designate (never via public contact or checklist forms).

Collected automatically

Technical data: IP address, browser type, device type, pages viewed, and server logs from our host (Hostinger).
Cookies and similar technologies: see section 6.

3. How we use information

Respond to inquiries and schedule free intro calls
Deliver tax preparation and bookkeeping services
Send the free checklist or materials you requested
Send transactional messages about your engagement
Send marketing emails only if you opted in
Secure the site, prevent abuse, and improve the website
Comply with law and professional record-keeping duties

4. How we share information

We do not sell your personal information and we do not share it for cross-context behavioral advertising.

We share personal information only as needed with service providerswho help us operate, under their terms, limited to providing those services:

Hosting: Hostinger (site files and server logs)
Scheduling: Cal.com (bookings, including the calendar embedded on this site)
Form delivery: FormSubmit (contact and checklist forms email our lead inbox; public contact address is jmoreno@morenofinancialservices.com)
Email: our email provider for correspondence
Tax / bookkeeping tools: e-file transmitters, tax software, and secure document tools used only after engagement, as needed to prepare and file returns or keep books
Professional referrals: if we refer specialized work (for example legal or audit defense), only with your knowledge for that matter

We may also disclose information if required by law (for example IRS processes related to a return we file), to protect rights and safety, or in a business transfer, with notice where required.

5. Marketing email

Marketing or tip emails are sent only if you opt in (for example by requesting the free checklist and agreeing to contact). Consent is not pre-checked.
You may unsubscribe anytime via the email instructions or by writing to jmoreno@morenofinancialservices.com.
Transactional messages (scheduling, document requests, filing updates) are not marketing and may still be sent when needed to serve you.
Our postal contact for commercial email is the locality listed in section 1.

6. Cookies, analytics, and trackers

Current inventory (as of the date above):

Essential / functional: cookies or storage that may be set by the host so the site works securely.
Booking calendar: our booking page and the Book buttons load a calendar from Cal.com inside this site. When it loads, Cal.com may set its own cookies on the cal.com domain and collect what you enter to book (name, email, time zone, notes) plus technical data such as IP address and browser type, under Cal.com's privacy policy. The calendar loads only when you open the booking page or select a Book button. If you would rather not load it, call or text (254) 312-0404 to book instead.
Form provider: FormSubmit may process form submissions and related technical data when you submit contact or checklist forms.
Help panel: the question helper on this site runs entirely in your browser. It answers from a fixed list of prepared answers. What you type is matched on your own device and is not sent to us, not stored, and not used for anything else. It sets no cookie.
Analytics / advertising: we do not currently run Google Analytics, Meta Pixel, or similar third-party ad trackers on this site. If that changes, this section will be updated and a cookie notice added where required.

You can control cookies in your browser. Blocking essential cookies may break booking or forms.

7. Retention

Inquiry and marketing records are kept as long as reasonably needed to respond, prevent abuse, and run the business. Client tax and bookkeeping records are retained for the periods required by law and professional standards (often multiple years after the engagement year), then securely disposed of when no longer required. You may request deletion of contact data we hold outside mandatory tax-record retention.

8. Security

We use HTTPS on the website and reasonable safeguards appropriate to a tax and bookkeeping practice. No method of transmission or storage is 100% secure.

Do not send SSNs, full tax returns, bank account numbers, or ID images through public website forms. After you engage us, we will tell you the approved secure channel for client documents. Tax professionals may also be subject to the FTC Safeguards Rule and should maintain a written information security program (WISP) for client data. This website policy does not replace that program.

9. Children (COPPA)

This website and our services are directed to adults and businesses. We do not knowingly collect personal information from children under 13. If you believe a child under 13 submitted data, contact us and we will delete it promptly.

10. Your choices and requests

Depending on applicable law, you may request to:

Access or correct personal information we hold about you
Delete personal information, subject to legal retention needs for tax records
Opt out of marketing emails
Ask us not to sell or use data for targeted advertising (we do neither)

Contact jmoreno@morenofinancialservices.com or (254) 312-0404. We will respond within a reasonable time. If applicable law gives you a right to appeal a decision on a privacy request, reply to our decision with the word “Appeal” and the reason you disagree. We will review it separately and explain the result.

11. Third-party sites

Links to Cal.com, BBB, social profiles, FormSubmit, and other sites are not under our control. Their privacy practices apply when you leave morenofinancialservices.com.

12. Changes

We may update this policy from time to time. The "Last updated" date will change. Continued use of the site after updates means you acknowledge the revised policy for future visits.

13. Contact

Privacy questions: jmoreno@morenofinancialservices.com · (254) 312-0404

This page describes how we handle information collected through this website. It is not legal advice.