Updated Privacy Policy

Last Updated: (03/01/2025)

Introduction

Welcome to OS Financial LLC! We value your trust and are committed to protecting your privacy. This Privacy Policy explains how we collect, use, and share your information. By using our website (www.osfinancialfreedom.com) and services, you agree to the terms of this policy. If you do not agree, you may not access or use our services.

1. Information We Collect

We collect the following types of information in order to provide and improve our services:

1.1 Personal Information

  • User Details: Email addresses and names provided during sign-up.

  • Financial Data: Income, expenses, and budget information entered by users in Google Sheets.

1.2 Payment Information

  • All payment-related information (e.g., credit card details) is processed securely through Stripe.

  • OS Financial LLC does not store or have access to your sensitive payment information.

1.3 Behavioral Data

  • We may collect information on how users interact with our website for analytics and marketing purposes (e.g., page visits, time on site).

1.4 Cookies

  • Squarespace may use cookies to analyze traffic, enhance user experience, and improve site performance.

  • For details on how Squarespace uses cookies, please refer to Squarespace’s Cookie Policy.

2. How We Use Your Information

OS Financial LLC uses your information to:

  1. Process Payments & Manage Memberships: Payments are handled via Stripe, ensuring secure transactions and membership management.

  2. Enable Google Sheets Access: Allow you to enter and manage financial data in a shared Google Sheet.

  3. Improve User Experience & Site Performance: Analyze user interactions to optimize website functionality and user satisfaction.

  4. Conduct Marketing Activities: Promote services via Instagram or other platforms without sharing your personal data externally.

3. Data Sharing

We share data only with trusted third-party services necessary to operate our business effectively:

  • Stripe: For secure payment processing.

  • Google Sheets: For storing and managing user financial data.

  • Squarespace: For website hosting, analytics, and performance optimization.

OS Financial LLC does not sell or disclose your information to unauthorized third parties.

3.5 Your Privacy is Our Priority

At OS Financial LLC, we understand that privacy is a top concern, especially when it comes to your financial information. We want to assure you that while we, as administrators, have access to your Google Sheets, this access is strictly limited to administrative and support purposes only.

Why We Require Access:

  • Ensuring Accuracy and Security: Admin access allows us to help troubleshoot any issues, verify calculations, and ensure that your financial data is securely managed. This access is essential to maintaining the accuracy and reliability of the financial insights we provide.

  • Your Data, Your Control: While we have access, we do not monitor your daily transactions or review individual entries unless you specifically request support. Our role is to ensure the smooth functioning of your financial dashboard and to assist you only when needed.

  • Professional Integrity: We uphold the highest standards of confidentiality and privacy, similar to how financial institutions manage sensitive data. Our access is strictly professional and used solely to enhance the service we provide to you.

  • Transparency and Security: All your data remains private and secure. Google Sheets offers encryption and access control, and we never share your information with third parties. Your trust is incredibly important to us, and we are committed to maintaining it.

If you have any concerns about your privacy or would like to learn more about how your information is protected, please feel free to reach out to us at any time.

4. User Rights

You have control over your data in the following ways:

  • Data Entry Access: You can input, edit, and manage your financial information in your shared Google Sheet.

  • Data Control: You maintain full control over the data you enter; you may delete or modify data as needed.

  • Data Refresh: Your input data, formulas, and visuals are automatically refreshed once daily using our custom Apps Script functionality—no manual refresh is required.

Note: You do not have direct access to any backend Google Sheets or additional data managed by OS Financial LLC beyond your shared Sheet.

5. Legal Compliance

We operate primarily in Puerto Rico and the United States. Our data practices comply with applicable laws in these regions. In addition, we have updated our practices to meet the requirements of the Consumer Data Protection Act (CDPA). If additional compliance requirements arise (e.g., changes in privacy regulations), we will update this policy accordingly.

6. Data Security

We implement industry-standard security measures to protect your data:

  • Stripe handles all payment transactions securely using encryption and other safeguards.

  • Google Sheets is used to store financial data with restricted access, ensuring only authorized personnel or applications can view it.

Despite our best efforts, no method of electronic transmission or storage is 100% secure. You acknowledge that you use our services at your own risk.

7. Third-Party Services

OS Financial LLC integrates with or relies on the following platforms to provide seamless services:

  • Stripe: Securely processes payments.

  • Google Sheets: Stores and organizes financial data.

  • Squarespace: Hosts our website and provides analytics.

  • Instagram: Used solely for marketing purposes; no user data is shared unless explicitly stated.

We are not responsible for the privacy practices of these third parties. Please review their respective privacy policies for more information.

8. Data Retention and Deletion

In compliance with the CDPA, we retain your data only for as long as necessary to provide our services. If you unsubscribe from our services, all personal data associated with your account will be permanently deleted from our active records within 30 days, except where retention is required by law or for legitimate business purposes.

9. Children’s Privacy

Our services are intended for adults only. We do not knowingly collect or process data from individuals under the age of 13. If you become aware that a child under 13 has provided us with personal information, please contact us so we can take appropriate action.

10. Contact Us

If you have questions, concerns, or feedback regarding this Privacy Policy, please reach out to us:

11. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page, with the “Last Updated” date revised accordingly. By continuing to use our services, you acknowledge and agree to any updated terms.

Thank you for choosing OS Financial LLC!