88 Financial Management, Inc. (“88 Financial Management,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you provide to us.
This Privacy Policy explains how we collect, use, disclose, and protect information when you visit www.88fminc.com (the “Website”), contact us, or inquire about services offered by 88 Financial Management, Inc.
Our services may include bookkeeping and accounting support, insurance-related services, real estate services, consulting, and other professional services.
1. Information We Collect
Depending on how you interact with us, we may collect the following categories of information:
Personal Identifiers
- Name
- Email address
- Telephone number
- Mailing address
- Business or company name
- Other contact information you voluntarily provide
Business and Professional Information
- Business name and type
- Employment or professional information
- Information regarding services you are interested in
- Information necessary to respond to a business inquiry
Financial and Transaction Information
If you become a client, additional information may be collected as reasonably necessary to provide bookkeeping, accounting, insurance, real estate, or other professional services.
Sensitive financial, insurance, health, real estate, or other information provided as part of an actual client relationship may be subject to additional privacy notices, agreements, legal requirements, or safeguards.
Website and Technical Information
When you visit our Website, certain information may be collected automatically, including:
- IP address
- Browser type
- Device type
- Operating system
- Pages visited
- Date and time of visits
- Referring website
- General website usage and interaction information
This information may be collected through cookies, analytics services, server logs, or similar technologies.
2. How We Use Your Information
We may use information collected through the Website to:
- Respond to inquiries and requests
- Communicate with prospective and existing clients
- Provide information about our services
- Schedule consultations or appointments
- Provide bookkeeping, insurance, real estate, consulting, or related services
- Maintain and improve our Website
- Understand how visitors use our Website
- Protect against fraud, unauthorized activity, and security threats
- Maintain business and client records
- Comply with applicable laws, regulations, licensing requirements, court orders, and legal obligations
- Establish, exercise, or defend legal claims
We will not use personal information for purposes materially different from those described in this Privacy Policy without providing appropriate notice when required by law.
3. How We Share Information
We may disclose personal information when reasonably necessary to operate our business or provide requested services, including to:
- Service providers and technology vendors
- Website hosting and maintenance providers
- Accounting, legal, compliance, and professional advisers
- Insurance carriers, agencies, general agencies, brokers, or other insurance-related entities when necessary to provide requested insurance services
- Real estate brokers, property owners, property managers, escrow companies, title companies, lenders, inspectors, and other parties when necessary to provide requested real estate services
- Government agencies, regulators, courts, or law enforcement when required or permitted by law
- Other parties when authorized or requested by you
We may also disclose information as part of a merger, acquisition, reorganization, sale of assets, or similar business transaction.
4. Sale or Sharing of Personal Information
88 Financial Management, Inc. does not sell personal information for monetary compensation.
We do not knowingly sell personal information belonging to consumers under 16 years of age.
Certain website analytics, advertising, or third-party technologies may constitute “sharing” under some state privacy laws depending on how those technologies are configured. We will provide any legally required opt-out mechanisms if our use of such technologies becomes subject to those requirements.
5. Cookies and Similar Technologies
Our Website may use cookies and similar technologies to operate the Website, remember preferences, understand Website traffic, improve functionality, and analyze Website performance.
Your browser may allow you to block or delete cookies. Disabling certain cookies may affect the functionality of the Website.
6. Do Not Track and Global Privacy Control
Some web browsers transmit “Do Not Track” signals. Because there is not a universally accepted standard governing how websites should respond to traditional Do Not Track signals, our Website may not respond to all such signals.
Where required by applicable law and technically supported, we will honor recognized opt-out preference signals, such as Global Privacy Control, for activities to which the applicable law applies.
7. Third-Party Websites
Our Website contains links to websites operated by third parties, including websites related to our bookkeeping, insurance, and real estate services.
Once you leave www.88fminc.com, the privacy practices of the destination website apply. We are not responsible for the privacy practices, security, accuracy, or content of independently operated third-party websites.
We encourage you to review the privacy policy of each website you visit.
8. Data Security
We use reasonable administrative, technical, and organizational safeguards designed to protect personal information from unauthorized access, loss, misuse, alteration, or disclosure.
However, no website, electronic transmission, or information-storage system can be guaranteed to be completely secure. You should therefore use appropriate care when transmitting sensitive information electronically.
9. Data Retention
We retain personal information for as long as reasonably necessary to fulfill the purposes for which it was collected, maintain appropriate business records, provide requested services, comply with legal and regulatory obligations, resolve disputes, and enforce agreements.
Retention periods may vary depending on the nature of the information and the applicable service or legal requirement.
10. California Privacy Rights
California residents may have certain rights regarding their personal information under applicable California privacy laws.
Depending upon the law applicable to 88 Financial Management, Inc. and the particular information involved, these rights may include the right to:
- Request information regarding personal information collected about you
- Request access to certain personal information
- Request correction of inaccurate personal information
- Request deletion of personal information, subject to legal exceptions
- Opt out of certain sales or sharing of personal information where applicable
- Limit certain uses of sensitive personal information where applicable
- Receive equal service and not be discriminated against for exercising applicable privacy rights
Not every right applies in every circumstance, and certain information may be exempt from applicable privacy laws.
To submit a privacy request, contact:
88 Financial Management, Inc.
San Francisco, California
Email: info@88fminc.com
Telephone: (415) 839-4986
We may need to verify your identity before processing certain requests.
An authorized agent may submit a request on behalf of a California consumer when permitted by law. We may require appropriate verification of the consumer’s identity and the agent’s authority.
11. Financial, Insurance, and Health Information
Because some services offered through or affiliated with 88 Financial Management, Inc. involve financial services, insurance, health insurance, or Medicare-related products, information provided in connection with those services may be subject to additional federal or state privacy requirements.
Where applicable, separate privacy notices, carrier privacy policies, authorization forms, HIPAA-related requirements, or other legally required notices may govern that information.
This Website Privacy Policy does not replace any privacy notice required in connection with a particular financial, insurance, health insurance, Medicare, real estate, or other regulated transaction.
12. Children’s Privacy
This Website is intended for adults and is not directed to children under 13.
We do not knowingly collect personal information online from children under 13. If we become aware that such information has been collected without appropriate authorization, we will take reasonable steps to delete it.
13. Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our practices, services, technology, or legal requirements.
When we make material changes, we will update the “Last Updated” date at the top of this page and provide additional notice when required by applicable law.
We encourage visitors to review this Privacy Policy periodically.
14. Contact Us
Questions, concerns, or requests regarding this Privacy Policy or our privacy practices may be directed to:
88 Financial Management, Inc.
San Francisco, California
Email: info@88fminc.com
Telephone: (415) 839-4986
Website: www.88fminc.com