Privacy Policy

This Privacy Policy describes how St. Charles CPA ("we," "us," or "our") collects, uses, and protects information when we send SMS text messages to our clients and authorized users through our client portal and related services. By providing your mobile number and using our services, you consent to the practices described in this policy.

1. Information We Collect

To deliver SMS messages and verify your identity, we collect and process the following information:

Mobile phone number — used to send verification codes and account-related SMS notifications.
Email address — used for account communications and as a secondary contact method.
Account and profile information — name, client relationship, and access permissions within our portal.
Verification data — one-time passcodes (OTPs), delivery timestamps, and message delivery status.

2. How We Use SMS Messages

We use SMS messaging solely for the following purposes:

Two-Factor Authentication (2FA) — delivering one-time verification codes to confirm your identity when you log in, access sensitive documents, or authorize electronic signatures.
Account security alerts — notifying you of activity that may affect the security of your account.

We do not use SMS for marketing, promotional, or advertising purposes. You will not receive any marketing messages under this campaign.

3. Consent to Receive SMS

By providing your mobile number to St. Charles CPA and enabling SMS verification on your account, you consent to receive automated SMS messages containing one-time verification codes. Message frequency varies and depends on your login and verification activity. Standard message and data rates from your mobile carrier may apply.

4. How to Opt Out

Because our SMS messages are limited to security verification codes required to access your account, you cannot opt out of individual verification messages while still using SMS-based 2FA. If you no longer wish to receive SMS verification codes, you may:

Contact us at office@stcharlescpa.com to disable SMS verification on your account.
Reply STOP to any SMS message from us to unsubscribe from SMS delivery (note: this may disable SMS-based login until an alternative method is configured).
Reply HELP to any SMS message for assistance.

5. How We Share Your Information

We do not sell, rent, or trade your personal information. We share information only as necessary to operate our SMS services and comply with legal obligations:

SMS service providers — we use third-party messaging platforms (such as Twilio) to transmit verification codes to your mobile device. These providers process phone numbers and message content solely to deliver the messages you request.
Service affiliates — electronic signature and document delivery partners used to securely route and verify tax documents, where applicable.
Legal compliance — where required by law, regulation, or legal process.

6. Data Retention

We retain SMS verification data (phone numbers, one-time codes, and delivery records) only for as long as necessary to provide our services, maintain security audit trails, and comply with applicable recordkeeping requirements. Verification codes are short-lived and expire shortly after delivery.

7. Data Security

We implement appropriate technical and organizational safeguards to protect your personal information, including encryption in transit, access controls, and limited retention of verification codes. However, no method of transmission over the internet or wireless network is completely secure.

8. Your Rights

Depending on your jurisdiction, you may have the right to access, correct, or request deletion of the personal information we hold about you. To exercise these rights, contact us at office@stcharlescpa.com.

9. Children's Privacy

Our SMS services are not directed to individuals under the age of 18, and we do not knowingly collect mobile numbers from minors. If you believe a minor has provided us their number, please contact us so we can remove it.

10. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last updated" date at the top of this page. We encourage you to review this page periodically to stay informed about how we protect your information.

11. Contact Us

If you have questions about this Privacy Policy or our SMS practices, please contact us:

NobleAcct LLC d.b.a. St. Charles CPA
Email: office@stcharlescpa.com