Privacy Policy

1. Introduction

Latino Bookkeepers Financial Advisor ("Company," "we," "us," or "our") operates the website located at lbookkeeper.com (the "Site") and the associated online learning platform. We respect your privacy and are committed to protecting your personal information. This Privacy Policy explains what information we collect, why we collect it, how we use it, and the choices you have regarding your data.

2. Information We Collect

We collect personal information that you provide to us directly, as well as data collected automatically during your interaction with the Site:

• Identity and Contact Data: First and last name, email address, mobile phone number, residential or business address, city, state, and ZIP code.
• Account Credentials: Your password is never stored in plain text. We retain only a secure, salted one-way cryptographic hash.
• Verification Codes: Multi-factor verification codes sent via email and SMS are processed and stored temporarily as securely keyed hashes, expiring after a brief period.
• Educational and Learning Data: Course enrollments, lessons started or completed, videos marked as watched, quiz scores, and completion timestamps.
• Payment Records: Course title, purchase amount, transaction date, payment status, and the transaction identifier provided by our third-party payment processor. We do not receive, process, or store credit card numbers, CVV security codes, or expiration dates.
• Communications: Messages and inquiries submitted through our contact forms or customer support channels.
• Technical and Security Data: IP address, browser type (user agent), operating system, and timestamps of sign-ins, security events, and account changes, maintained in audit and security logs.
• Cookies: Essential cookies required for session management and language preferences (see our Cookie Policy).

3. How We Use Your Information

We process your personal data for legitimate business purposes, including:

• Creating, maintaining, and securing your user account and verifying ownership of your email and phone number.
• Delivering enrolled online courses, tracking learning progress, and issuing completion records.
• Processing payments and maintaining financial, accounting, and transactional history.
• Responding to your inquiries and transmitting essential service messages (such as verification codes, password resets, and account alerts).
• Detecting abuse, preventing fraud, and investigating security incidents or unauthorized access.
• Complying with applicable legal, tax, and accounting obligations.

4. SMS and Mobile Communications Terms

By providing your mobile phone number and registering an account, you consent to receive transactional and security text messages (such as verification codes) from us.

• Message and data rates may apply.
• Message frequency varies based on your account activity.
• You may opt out of receiving SMS messages at any time by replying STOP to any text message received. For assistance, reply HELP or contact us at gtcvision@gmail.com.
• Consent to receive operational SMS messages is not a condition of purchasing any course or service.

5. Sharing and Disclosure of Information

We do not sell, rent, or trade your personal information. We share your data exclusively with trusted third-party service providers who assist us in operating the platform, subject to strict confidentiality obligations:

We may also disclose personal information if required to do so by applicable law, court order, or governmental authority, or to protect the rights, property, or safety of the Company, our users, or others.

• Web hosting and cloud infrastructure providers.
• Email delivery service providers.
• SMS gateway delivery providers.
• Secure third-party payment processors.

6. Data Retention

We retain your account and educational data for as long as your account remains active. Payment records and related financial information are retained for the duration required by applicable tax, accounting, and legal regulations. Security logs are retained for a limited operational period. Upon a verified account deletion request, we delete or permanently anonymize your personal information, except where retention is legally mandated.

7. Your Privacy Rights and Choices

Depending on your jurisdiction of residence, you may have rights regarding your personal information:

• Access and Export: You may download a copy of your personal data directly from your account profile page after signing in.
• Correction: You may update or correct most of your profile information through your account settings.
• Deletion: You may request the deletion of your account from your profile page or by contacting gtcvision@gmail.com.
• Language Preference: You may switch your interface language between English and Spanish at any time.

8. Data Security

We implement robust technical and organizational security measures, including HTTPS encryption in transit, salted password hashing, multi-factor verification, rate limiting on authentication attempts, web application firewalls, restricted administrator access, and audit logging for sensitive actions. While we strive to protect your data, no electronic transmission or storage system is 100% secure; therefore, you are responsible for maintaining the security of your account credentials.

9. Children's Privacy

This platform is intended solely for adults. We do not knowingly collect personal information from individuals under 18 years of age. If you believe that a minor has registered an account, please contact us immediately so we can remove the account and delete the associated data.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The most current version will be posted on this page with a revised "Effective Date."

11. Contact Information

For any questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact us at:

Latino Bookkeepers Financial Advisor

Website: lbookkeeper.com

Email: gtcvision@gmail.com

Phone: 786.362.9739

Address: 3445 NW 3rd ST, Miami, FL 33125

Contact

To ask about this document, use the Contact · gtcvision@gmail.com