Privacy Policy

Introduction

Gregory Monaco, CPA LLC d/b/a Monaco CPA (“we,” “our,” or “us”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at https://monacocpa.cpa or engage our services.

Information We Collect

We may collect the following types of information:

Personal Information: Name, email address, phone number, mailing address, and other contact details you provide through our contact form, consultation scheduling, or client onboarding process.

Financial Information: Tax documents, financial statements, income information, and other financial data necessary to provide CPA services. This information is exchanged exclusively through our encrypted client portal (TaxDome).

Website Usage Data: We may collect anonymous usage data including IP address, browser type, pages visited, and time spent on the site through standard analytics tools.

How We Use Your Information

We use collected information to provide and improve our CPA services, respond to inquiries, communicate about engagements, comply with legal and regulatory obligations, send occasional service updates (with consent), and improve website functionality. We do not sell, rent, or trade your personal information to third parties for marketing purposes.

Data Security

We implement appropriate technical and organizational measures to protect your personal and financial data. Client documents are exchanged through TaxDome, which uses 256-bit SSL encryption, two-factor authentication, and SOC 2 compliant hosting. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.

Third-Party Services

We use the following third-party services in connection with our practice: TaxDome (client portal and document management), QuickBooks Online (bookkeeping and accounting), Calendly (appointment scheduling), and Google Analytics (website analytics). Each service has its own privacy policy governing their use of data.

AI Chatbot

Our website features AI-powered chat assistants (SAM and HASH) that provide general tax and accounting information. These assistants use an on-server intent-matching engine — your messages are processed entirely on our servers and are never sent to third-party AI services. Chat conversations are not stored long-term by Monaco CPA and are not linked to your identity unless you voluntarily provide personal information. We do not use chatbot conversations for marketing purposes. The chatbot includes PII detection that blocks sensitive data (such as Social Security numbers and financial account information) from being processed.

Cookies & Tracking

Our website uses Google Analytics 4 with Consent Mode v2. Analytics cookies are blocked by default and only activated when you grant consent through our cookie banner. You may decline analytics cookies without affecting site functionality. You can also control cookie settings through your browser preferences. We do not use advertising cookies or third-party tracking for ad targeting purposes.

Data Retention

We retain client records in accordance with IRS requirements and professional standards, typically for a minimum of seven years following the completion of services. Non-client inquiries are retained for a reasonable period to respond to your request.

Your Rights

You may request access to, correction of, or deletion of your personal information by contacting us. Please note that certain information may need to be retained for legal, regulatory, or professional compliance purposes.

California Residents (CCPA/CPRA): If you are a California resident, you have the right to know what personal information we collect, request deletion of your data, and opt-out of the sale of your personal information. Monaco CPA does not sell personal information. To exercise your rights, contact us at taxhelp@MonacoCPA.CPA.

Other State Privacy Rights: Residents of Colorado, Connecticut, Virginia, Utah, and other states with comprehensive privacy laws may have additional rights regarding their personal data. Contact us to exercise any applicable rights under your state's privacy law.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children.

Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date.

Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us at taxhelp@MonacoCPA.CPA or call (862) 320-9554.