Privacy Policy

Effective Date: August 5, 2026

MBA Financial Tax & Accounting LLC, doing business as Be Tax and Debt Free (“Be Tax and Debt Free,” “we,” “us,” or “our”), respects your privacy and is committed to protecting the personal, financial, and tax-related information entrusted to us.

This Privacy Policy explains how we collect, use, disclose, retain, and protect information when you visit www.BeTaxandDebtfree.com, purchase a product or service, schedule a consultation, communicate with us, or otherwise use our services.

1. Information We Collect

Personal and Contact Information

Name
Mailing and billing address
Email address
Telephone number
Preferred method of communication

Tax and Financial Information
When necessary to provide tax preparation, tax resolution, IRS representation, accounting, financial planning, investigative, or debt-reduction services, we may collect:

Social Security numbers and taxpayer identification numbers
Income, employment, and business information
Tax returns, tax transcripts, and supporting documentation
Bank, payment, credit, asset, liability, and debt information
IRS or state tax notices
Information concerning dependents and household members
Other financial records you voluntarily provide

Please do not submit sensitive tax or financial information through an unsecured website message, email, or text message unless we specifically instruct you to do so.

Transaction Information
If you purchase a product or service, we may collect information related to your transaction, including:

Services or products purchased
Payment amount and transaction date
Billing information
Order confirmations, invoices, and payment status

Payment card details may be collected and processed by third-party payment processors. We may not directly receive or retain your complete card number.

Website and Device Information
When you use our website, certain information may be collected automatically, including:

Internet Protocol address
Browser and device type
Operating system
Referring website
Pages viewed
Dates and times of visits
Website interactions
Cookie and similar technology identifiers

Communications
We may retain information you provide through consultations, telephone calls, emails, website forms, text messages, appointment requests, surveys, or other communications.

2. How We Use Information

We may use collected information to:

Schedule and conduct consultations
Verify your identity
Evaluate your tax, accounting, financial, or debt-related needs
Prepare tax returns and related documents
Provide tax resolution, IRS representation, accounting, investigative, and debt-reduction services
Request or review tax records and financial documentation
Process purchases and payments
Provide invoices, confirmations, and service updates
Respond to questions and customer-service requests
Maintain client and business records
Protect against fraud, unauthorized transactions, and security threats
Operate, analyze, and improve our website and services
Send newsletters or promotional communications when permitted
Comply with applicable legal, regulatory, professional, tax, and recordkeeping obligations
Establish, exercise, or defend legal claims

We will not use tax-return information for an unrelated purpose when applicable law requires your separate written consent.

3. Tax-Return Information

Tax-return preparers are subject to federal restrictions concerning the use and disclosure of tax-return information. We use and disclose tax-return information only as permitted by applicable law, as necessary to provide authorized services, or with your legally valid consent.

We do not disclose tax-return information for unrelated marketing purposes without any consent required by law.

4. How We Disclose Information

We may disclose information to:

Employees, contractors, and authorized representatives who need it to perform services
Tax preparation, accounting, legal, financial, or technology professionals assisting with authorized work
Website hosting, appointment scheduling, document-management, cloud-storage, analytics, communications, and security providers
Payment processors and financial institutions
Government agencies, taxing authorities, courts, regulators, or law-enforcement authorities when required or permitted by law
Professional advisers, insurers, auditors, or attorneys
A successor organization involved in a merger, acquisition, financing, reorganization, or sale of business assets

Service providers are authorized to access information only as reasonably necessary to provide their services or satisfy legal obligations.

We may also disclose information when reasonably necessary to prevent fraud, protect a person’s safety, enforce our agreements, protect our legal rights, or respond to lawful government requests.

5. Selling and Sharing Personal Information

We do not sell personal information for money.

We may use analytics, advertising, cookies, pixels, or similar technologies. Some state privacy laws may define certain advertising-related disclosures as “sharing” or “targeted advertising,” even when no money is exchanged.

Where applicable, you may request to opt out of such activity by contacting us using the information below or adjusting the available cookie settings on the website.

We do not sell or share Social Security numbers, tax returns, bank-account information, or other sensitive financial information for targeted advertising.

6. Cookies and Analytics

Our website and its service providers may use cookies, pixels, tags, log files, and similar technologies to:

Keep the website functioning
Remember user preferences
Understand website traffic and performance
Detect security threats
Measure marketing effectiveness
Deliver relevant advertising where permitted

You may control cookies through your browser or available website settings. Disabling certain cookies may affect website functionality.

7. Email, Telephone, and Text Communications

If you provide your email address or telephone number, we may contact you regarding appointments, requested services, payments, account activity, documentation, or other business matters.

We will send promotional emails or marketing calls and text messages only as permitted by applicable law. Consent to receive promotional communications is not a condition of purchasing our services.

You may:

Unsubscribe from marketing emails using the link provided in the message
Reply STOP to applicable marketing text messages
Contact us directly to revoke consent

Message and data rates may apply. Opting out of promotional communications will not prevent necessary service, security, payment, or transaction-related communications.

Mobile information and text-message consent will not be sold or provided to third parties for their independent marketing purposes.

8. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, loss, misuse, alteration, or disclosure.

However, no website, email system, storage platform, or transmission method can be guaranteed completely secure. You are responsible for protecting passwords, account credentials, and copies of financial documents in your possession.

If you believe your information has been compromised, contact us immediately.

9. Data Retention

We retain information for as long as reasonably necessary to:

Provide requested services
Maintain appropriate tax, accounting, and business records
Fulfill contractual obligations
Resolve disputes
Enforce agreements
Satisfy legal, regulatory, professional, insurance, and recordkeeping requirements

Retention periods may vary based on the type of information and services provided. When information is no longer reasonably needed, we may securely delete, destroy, or de-identify it, subject to applicable law.

10. Your Privacy Choices and Rights

Depending on your state of residence and applicable law, you may have the right to request that we:

Confirm whether we process your personal information
Provide access to certain personal information
Correct inaccurate information
Delete certain information
Provide a portable copy of certain information
Limit the use or disclosure of sensitive information
Opt you out of targeted advertising, sales, or qualifying sharing
Review an appeal of a denied privacy request

These rights may be subject to legal exceptions. For example, we may retain information required for tax, accounting, fraud-prevention, contractual, regulatory, or legal purposes.

To protect your information, we may verify your identity before completing a request. We will not unlawfully discriminate against you for exercising a privacy right.

11. Children’s Privacy

Our website and services are intended for adults and are not directed to children under 18. We do not knowingly collect personal information directly from children through the website.

Information about a dependent may be collected from a parent, guardian, or authorized taxpayer when necessary to provide tax or financial services.

12. Third-Party Websites and Services

Our website may link to third-party websites, scheduling platforms, payment providers, social-media services, or other external resources. Their privacy practices are governed by their own policies. We are not responsible for the privacy, security, or content of third-party services.

13. Changes to This Policy

We may update this Privacy Policy periodically to reflect changes to our services, technology, legal obligations, or information practices. The revised policy will be posted on this page with an updated effective date.

14. Contact Us

For privacy-related questions, concerns, or requests, contact:

MBA Financial Tax & Accounting LLC
Doing Business As: Be Tax and Debt Free

Telephone: (989) 686-6633

Correspondence Address:
4106 East Wilder Road, Suite 288
Bay City, Michigan 48706

Main Offices:
4200 Fashion Square Blvd. Suite 214

Saginaw, Michigan 48603