1. Introduction

VCL Financial (“we,” “our,” or “us”) is a professional financial services firm headquartered in Richmond, Virginia. We are committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard information when you visit our website at vclfinancial.com or engage with our services.

2. Information We Collect

We may collect the following types of information:

Personal Information You Provide

• Full name
• Email address
• Phone number
• Business name and type
• Financial and tax information provided as part of our services
• Any other information you submit through our contact forms or client portal

Information Collected Automatically

• IP address and browser type
• Pages visited and time spent on the Site
• Referring URLs
• Device and operating system information
• Cookies and similar tracking technologies

3. How We Use Your Information

We use the information we collect to:

• Respond to inquiries and provide requested services
• Prepare and file tax returns, financial statements, and other documents on your behalf
• Send appointment confirmations, service updates, and relevant communications
• Improve the functionality and content of our website
• Comply with applicable federal and Virginia state laws and regulations
• Protect the security and integrity of our business and your information

4. How We Share Your Information

VCL Financial does not sell, rent, or trade your personal information. We may share your information only in the following circumstances:

• Service Providers: Trusted third-party vendors who assist in operating our business (e.g., cloud storage, scheduling software, secure document portals), bound by confidentiality obligations.
• Government Agencies: Federal and state tax authorities (such as the IRS or Virginia Department of Taxation) as required to perform our services or comply with legal obligations.
• Legal Requirements: When required by law, court order, or governmental authority under the laws of the Commonwealth of Virginia or the United States.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

5. Cookies and Tracking Technologies

Our Site uses cookies and similar technologies to enhance your browsing experience, analyze Site traffic, and understand user behavior. You may control cookie settings through your browser preferences. Disabling cookies may affect certain features of the Site. We do not use cookies to collect sensitive financial information.

6. Data Security

We take the security of your personal information seriously. VCL Financial uses industry-standard security measures including encrypted document portals, secure file transfer protocols, and restricted access controls to protect your data. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

7. Retention of Information

We retain personal and financial information for as long as necessary to fulfill the purposes for which it was collected, comply with legal and regulatory obligations (including IRS and Virginia state recordkeeping requirements), resolve disputes, and enforce our agreements. Tax and financial records are generally retained for a minimum of seven (7) years in accordance with federal and Virginia state guidelines.

8. Your Rights

As a resident of Virginia or the United States, you may have the right to:

• Request access to the personal information we hold about you
• Request correction of inaccurate or incomplete information
• Request deletion of your personal information, subject to legal retention requirements
• Opt out of marketing communications at any time
• Request information about how your data is used and shared

To exercise any of these rights, please contact us using the information provided in Section 11 below.

9. Children’s Privacy

Our Site and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe a minor has provided us with personal information, please contact us and we will promptly delete it.

10. Third-Party Links

Our Site may contain links to third-party websites, including scheduling tools and external resources. This Privacy Policy does not apply to those sites. We encourage you to review the privacy policies of any third-party sites you visit.

11. Governing Law

This Privacy Policy is governed by the laws of the Commonwealth of Virginia. Any disputes arising under this Policy shall be subject to the exclusive jurisdiction of the state and federal courts located in Richmond, Virginia.

12. Changes to This Privacy Policy

VCL Financial reserves the right to update this Privacy Policy at any time. When we make changes, we will update the “Last Updated” date at the top of this page. Your continued use of the Site after changes are posted constitutes your acceptance of the updated Privacy Policy.

13. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or how we handle your personal information, please contact us: