Privacy Policy

This Privacy Policy explains how VnatCo LLC, a Pennsylvania limited liability company doing business as Lunex ("Company," "we," "us," or "our"), collects, uses, stores, and protects the personal information of individuals who use our services ("Client," "you," or "your"). This Privacy Policy is incorporated into and forms part of our Terms of Service.

1. INFORMATION WE COLLECT

We collect the following types of personal information necessary to provide our tax preparation and customer service:

Personal Identifiers: Name, address, date of birth, Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), driver's license or state ID number
Contact Information: Phone number, mobile phone number, email address
Financial Information: Income documents (W-2s, 1099s), bank account information, investment records, expense records, and other tax-related financial documents
Technical Information: IP address, browser type, device information, and website usage data collected through cookies and similar technologies
Communication Records: SMS/text message records, email correspondence, phone call records, and chat transcripts related to our services

2. HOW WE USE YOUR INFORMATION

We use your personal information for the following purposes:

To prepare and file federal and state tax returns on your behalf
To communicate with you about your account, service requests, and tax-related matters
To send transactional and customer service SMS/text messages (see Section 6 below)
To verify your identity and prevent fraud
To process payments for services rendered
To comply with legal and regulatory obligations, including IRS and state tax authority requirements
To improve our services and website functionality
To defend legal claims and enforce our agreements

3. HOW WE SHARE YOUR INFORMATION

Company does not sell, rent, or share personal information to third parties for marketing or promotional purposes.

We may share your information only in the following limited circumstances:

Service Providers: With third-party service providers who assist in delivering our services (e.g., tax preparation software, IRS e-file systems, state tax portals, payment processors, cloud storage providers). These providers are contractually obligated to use your information only for the purpose of providing services to us.
Tax Authorities: With the Internal Revenue Service (IRS), state tax authorities, and other governmental agencies as required for the filing of your tax returns.
Legal Requirements: With law enforcement, regulators, or courts when required by law, subpoena, court order, or legal process.
Business Protection: To protect the rights, property, or safety of the Company, our clients, or others, including for fraud prevention and debt collection.

Mobile Information Privacy: No mobile information, including mobile phone numbers and SMS opt-in data, will be shared with third parties or affiliates for marketing or promotional purposes at any time. Mobile information collected through SMS opt-in will be used exclusively for the purpose of providing transactional and customer service communications as described in Section 6 of this Privacy Policy. This restriction applies regardless of any other data-sharing provisions in this policy.

4. DATA SECURITY

We implement reasonable administrative, technical, and physical security measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction. These measures include encrypted data transmission, secure storage systems, access controls, and regular security assessments.

However, no method of electronic transmission or storage is 100% secure. While we strive to protect your personal information, we cannot guarantee absolute security. You acknowledge and accept the inherent risks associated with the electronic transmission and storage of personal and financial data.

5. COOKIES AND TRACKING TECHNOLOGIES

Our website uses cookies and similar tracking technologies to analyze website usage, count visitors, improve services, and enhance your experience. By using our website, you consent to the use of cookies and tracking technologies. You may disable cookies through your browser settings, but some website features may not function properly without them.

6. SMS/TEXT MESSAGING PRIVACY

When you provide your mobile phone number and consent to receive SMS/text messages from Lunex (whether through verbal consent, or by texting START or SUBSCRIBE), the following privacy practices apply:

Your mobile phone number is collected solely for the purpose of sending you transactional and customer service messages related to your account.
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes at any time.
SMS opt-in data and consent information will not be shared with any third parties.
Message records may be retained for compliance, quality assurance, and legal purposes.
You may opt out of SMS messages at any time by replying STOP to any message. For help, reply HELP.

For complete SMS messaging terms including program description, message frequency, data rates, carrier liability, and opt-out instructions, please see Section 44 of our Terms of Service.

7. DATA RETENTION

We retain your personal information for as long as necessary to provide our services, comply with legal obligations (including tax record retention requirements), resolve disputes, enforce our agreements, and for other legitimate business purposes. Retention periods may vary depending on the type of information and applicable legal requirements.

8. DATA DELETION REQUESTS

You may request deletion of your personal data by submitting a written request to [email protected]. Deletion requests will be processed within thirty (30) days, subject to our right to retain information as required by law or for legitimate business purposes, including but not limited to: compliance with tax record retention requirements, defense of legal claims, fraud prevention, and regulatory compliance.

9. YOUR RIGHTS

Depending on your jurisdiction, you may have the following rights regarding your personal information:

The right to know what personal information we collect and how it is used
The right to request access to your personal information
The right to request correction of inaccurate personal information
The right to request deletion of your personal information (subject to legal retention requirements)
The right to opt out of SMS communications by replying STOP

To exercise any of these rights, please contact us using the information provided below.

10. CHILDREN'S PRIVACY

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information promptly.

11. CHANGES TO THIS PRIVACY POLICY

We reserve the right to modify, amend, or update this Privacy Policy at any time by posting the revised policy on our website. Material changes will be effective thirty (30) days after posting or upon notice to you, whichever is earlier. Your continued use of our services after the effective date of any modification constitutes your acceptance of the updated Privacy Policy. We encourage you to review this Privacy Policy periodically.

12. CONTACT INFORMATION

For questions regarding this Privacy Policy or your personal information:

Effective Date: October 10, 2026

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