Privacy Policy

Effective date: October 15, 2025
Contact Email: security@gmail.com
Governing law: Florida and Georgia

1. Introduction

Kalu Financial Services (“Company,” “we,” “our,” or “us”) values your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your data when you visit our website, enroll in our courses, or use our related services.
By using our website, submitting your information, or enrolling in any Kalu Financial Services program, you agree to the practices described in this Privacy Policy.

2. Information We Collect

We collect personal and business information to provide financial, tax, training, and administrative services efficiently and securely. The types of information we may collect include:

  • Personal Information: Name, address, phone number, email address, date of birth, and identification information.
  • Professional Information: Business name, EIN, PTIN, EFIN, state license information, and business address.
  • Financial Information: Payment details, billing address, and financial account information for tuition or services.
  • Technical Information: IP address, browser type, device ID, operating system, and usage data collected through cookies or analytics.
  • Documents and Forms: Tax forms, business registration files, or other information voluntarily provided through our website or during course registration.

3. How We Use Your Information

We may use the information we collect for purposes such as:

  • To register and manage your enrollment in our institute or service bureau programs.
  • To process payments, send invoices, or deliver receipts.
  • To provide educational materials, resources, and mentorship support.
  • To respond to inquiries, offer customer support, or provide important service updates.
  • To send marketing and informational communications (only with your consent).
  • To comply with legal, regulatory, or IRS requirements.
  • To protect against fraudulent, unauthorized, or illegal activity.

4. How We Share Information

Kalu Financial Services does not sell your personal data. However, we may share limited information in the following circumstances:

  • With Service Providers: Such as payment processors, instructors, website hosting partners, or administrative vendors who assist us in operating our business.
  • For Compliance: With law enforcement, courts, or regulators when legally required under state or federal law.
  • Business Transfers: In the event of a merger, restructuring, or acquisition, your data may transfer as part of that transaction.
  • With Consent: When you explicitly authorize us to share your data for a specific purpose.

All third-party partners are contractually obligated to maintain the confidentiality and security of your information.

5. Data Retention

We retain your personal and business data for as long as necessary to fulfill the purposes outlined in this policy, comply with our legal obligations, and support your continued relationship with Kalu Financial Services.
If you request deletion, certain records may be retained as required by IRS, state, or federal compliance standards.

6. Data Security

We use administrative, technical, and physical security measures to protect your information. This includes secure servers, encrypted payment gateways, restricted access, and password protection protocols.
While we strive to protect your information, no online transmission or storage system is 100% secure. You agree to use our services at your own risk and to maintain confidentiality of your own login credentials.

7. Cookies and Tracking

Our website may use cookies and analytics tools to:

  • Remember user preferences.
  • Measure site performance and improve functionality.
  • Track enrollment traffic and course interaction trends.

You can disable cookies in your browser settings, though some features of the site may not function properly as a result.

8. Your Rights and Choices

Depending on applicable state law (Florida or Georgia), you may have the right to:

  • Access, review, or correct your personal information.
  • Request deletion of your data (subject to legal record-keeping obligations).
  • Opt out of marketing communications at any time.
  • File a complaint with your state’s consumer protection authority if you believe your data has been mishandled.

Requests may be sent to security@gmail.com and will be processed within a reasonable time frame.

9. Links to Third Parties

Our website may contain links to other sites. Kalu Financial Services is not responsible for the content or privacy practices of those third-party websites. We encourage you to review their privacy policies before providing any personal information.

10. Children’s Privacy

Our services are intended for individuals 18 years of age or older. We do not knowingly collect personal information from minors. If a parent or guardian believes a child’s data has been provided, please contact us immediately for removal.

11. Changes to This Policy

Kalu Financial Services reserves the right to update or revise this Privacy Policy at any time. The “Effective Date” above reflects the most recent revision. Any changes will be posted to this page and become effective immediately upon publication.

12. Contact Us

For questions, requests, or concerns regarding this Privacy Policy or our data protection practices, please contact:

Kalu Financial Services
Email: security@gmail.com
Governing States: Florida and Georgia