Privacy Policy

This Privacy Policy ("Policy") explains how Vicino, LLC ("Vicino"), an Arizona limited liability company, doing business Adesso Tax Services and Adesso Payment Solutions, 8434 E. Shea Boulevard, Suite 100, Scottsdale, AZ 85260, collects, uses, and shares information about You. This Policy applies to all individuals and businesses who access Our Site, Use Our platforms, Use Our Services, and otherwise interact with Us.

As Used in this Policy, "We" and "Our" refers to Vicino; "You" and "Your" refers to the person or business using the Site and/or the Services; "Site" refers to this websites and all sub-sites and webpages as well as all web based platforms with which You communicate with us and share information and documents; "Service" refers to the products and services that You order, receive, or access as part of Your use the Site and Our platforms, as well as Your relationship with Vicino; and "Affiliate" means another, separate legal entity that is either related to Vicino by common owners or is controlled by or under common control with Vicino.

This Policy is in conjunction with our Terms and Conditions (the "Terms"). It is part of the legal agreement between You and Us. By accessing the Site or applying for or seeking any Service, You consent to and are bound by this Policy and the Terms for as long as You continue to use the Site or Services, and consent to Our collection, processing, use, and sharing of Personally Identifiable, Device, Business, and Financial information (as each is defined below) for the purposes set forth herein. If You do not agree to this Policy or to the Terms, You may not access or otherwise use the Site or any Service.

We may modify this Policy at any time at our sole discretion. If we make revisions, We will revise the "Last Updated" date at the top of this webpage, and the revised version will be effective immediately when it is posted. We encourage You to review this Policy regularly to stay informed about our information practices and the choices available to You.

As part of Your use of the Site and the Services, the following types of information may be collected:

A. Personally Identifiable Information ("PII") is information that identifies or can reasonably be used to identify You and includes (but may not necessarily be limited to) name, address, phone numbers, fax number, email address, social security number, financial profiles and credit (FICO) scores, and credit card information. PII does not include information that is collected anonymously or demographic information which is not reasonably connectable to an identified individual.

B. Device and Technical Information ("Device Information") is information automatically collected when you access and use our Site and is information relating to your computer, mobile device and other information associated with the device You use, which includes, but may not be limited to, the IP address or other unique identifiers that are automatically assigned to Your device used to access the Site; the type of browser You are using; the third party website from which Your visit originated; the operating system You are using; the domain name of Your Internet service provider; the search terms You use on our Website; the specific webpages on Our Site that you visit; the time of day and duration of your visits, internet connection, referring/exit pages, and clickstream data.

C. Business Information ("Business Information") is the information regarding businesses and their principals that apply for or use Our Services, which includes, but may not be limited to, business name, address, email, and telephone number; company structure; industry type; incorporation date; employee identities and information; customer and client information; vendor information; the owners and principals of the business; and social and networking information.

D. Financial Information ("Financial Information") is the data and information of the business or individual using Our Services, and includes, but may not be limited to, tax returns and tax fillings, Federal (IRS) EIN, bank accounts, accounting information, sales and revenue, financial statements (e.g., profit and loss, balance sheet), payment information amd history, transaction and account history, vendor usage, and transactions and experiences.

E. Third Party Information ("Third Party Information") is information we may receive about You from third parties, such as credit bureaus, financial institutions, referral sources, and Your or Our partners and affiliates.

You indirectly provide Us Device Information when You use and access our Site. Device Information is collected by tracking technologies. We (and our service providers) Use tracking technologies, such as cookies and web beacons, to collect information. Cookies are small data files stored on Your hard drive or in device memory that help Us improve our Site and Your experience. There are two types of "cookies" used: session cookies, which disappear after you close your browser, and persistent cookies, which remain on Your device after closing Your browser, but some or all may be removed by further action on your device.

Clear GIFs and Pixel Tags (also known as web beacons) and other technologies are also used. Clear GIFs are tiny graphics with a unique identifier, similar in function to cookies, and are embedded invisibly on web pages. Pixel Tags are a small piece of code embedded invisibly on a website to identify and track the user and user behavior. We may use both Clear GIFs and Pixel Tags in connection with our Site to, among other things, track the activities of Site visitors, help us manage content, and compile statistics about Site usage.

We receive PII, Business Information, and Financial Information directly from You when You communicate with Us and when You seek, apply for, or use any of Our Services. We receive Third Party Information when you allow or authorize those third-parties to share information with Us.

We take seriously the privacy of Our clients who use our Services. We employ commercially reasonable security measures to protect the loss, misuse, and alteration of the information We collect. These measures include the use of encryption methods and administrative access to site data. We further take steps reasonably necessary to ensure that Your information is not transferred to an organization or a country unless there are adequate controls in place including the security of your data and other personal information. However, despite Your and Our efforts, no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against any interception or other type of misuse. As such, We cannot guarantee or warrant the security of any information transmitted to us over the internet and hence accept no liability for any unintentional disclosure. We also encourage You to not share your account login and/or password with any other individual. Your account login and/or password is sensitive and your sharing of your account information may lead to additional exposure to your account.

We do not sell Your information to third-parties. We will not share your personal information for marketing or promotional purposes. We may share PII, Business Information, and Financial Information with third-parties for Us to provide Services to You, such as:

All third-party vendors are required by contract to: (1) process your data only for specified purposes; (2) maintain appropriate security safeguards; (3) comply with applicable privacy laws; and (d) not sell or further disclose your information

We also may share your PII, Business Information, and Financial Information with our Affiliates and affiliated businesses to offer and bring You improved or other services and products, co-branded services, or services and products that You have requested.

We may also share information we receive or collect in order to detect and respond to violations of our Terms; where required to comply with the law, legal process, or lawful requests by public authorities; and inquiries from our lawyers and other professional advisors where necessary to obtain advice to comply with the law and protect our business interests.

We use AI to analyze uploaded documents, and We have structured Our implementation to protect Your data.

A. AI Processing. When You upload a document, We send it to Our AI providers for analysis. The AI identifies the document type, extracts relevant data (e.g., tax year, amounts, employer info), and returns the results to Us. This educes manual data entry errors and speeds up processing. We currently use Anthropic's Claude API and OpenAI's API for document analysis, and may update providers as technology improves.

B. Zero Data Retention by AI Providers. We use commercial API tiers from our AI providers, which have specific data handling where there is no training using Your Information. Neither Anthropic nor OpenAI use API inputs or outputs to train their models under their commercial/business API terms. Your documents are processed in memory and not saved to the provider's systems. Immediate disposal: Data is discarded immediately after processing completes. No human review: Your documents are not reviewed by AI provider employees unless required to investigate abuse.

C. What We Store. We store the analysis results (extracted fields, document classification) alongside Your original documents. Your original documents remain encrypted on Our servers

This Section applies only to natural persons who reside in the State of California.

California law grants California residents certain rights and imposes restrictions on particular business practices. The California Consumer Privacy Act, as amended by the California Privacy Rights Act of 2020 ("CCPA"), defines "personal information" to mean information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular California resident or household. Personal information does not include publicly available, deidentified or aggregated information or lawfully obtained, truthful information that is a matter of public concern. For purposes of this "Notice to California Residents" Section, We refer to this information as "Personal Information." We are not compensated for the transfer of any of Your Personal Information to any third party (including third-party ad-network providers).

Right to Opt Out of Sale or Sharing of Personal Information. You may submit a request to opt out of sales or sharing by emailing us at [email protected].

We will comply with your request upon verification of your identity. We will verify your identity either to a "reasonable degree of certainty" or a "reasonably high degree of certainty" depending on the sensitivity of the Personal Information and the risk of harm to you by unauthorized disclosure, deletion, or correction as applicable.

Incentives and "Non-Discrimination". The CCPA prohibits discrimination against California consumers for exercising their rights under the CCPA and imposes requirements on financial incentives. If a consumer exercises their rights under CCPA, businesses may not discriminate against them including by denying or providing a different level or quality of goods or services or charging or suggesting that a business will charge different prices or rates or impose penalties, unless doing so is reasonably related to the value provided by the consumer's data.

Submitting Requests. Requests to exercise the right to deletion, right to a copy, and / or the right to know may be submitted by emailing us at [email protected]. We will respond to verifiable requests received from California consumers as required by law.