Privacy Policy

Our Commitment to Your Privacy

Creator Business OS ("we," "our," or "us") operates creatorbusinessos.com and provides business formation, tax optimization, and legal protection services specifically designed for content creators. This Privacy Policy explains how we collect, use, protect, and share your information when you use our services.

Information We Collect

Information You Provide Directly

• Account Information: Name, email address, phone number, and password when you create an account
• Business Information: Business name, structure type, EIN, state of formation, and business address
• Creator Platform Data: Your primary platforms (YouTube, TikTok, Instagram, etc.) and follower counts for tailored recommendations
• Financial Information: Revenue ranges for tax optimization (we never ask for bank account details except for payment processing)
• Payment Information: Credit card details processed securely through Stripe (we never store full card numbers)
• Communication Data: Messages you send us through support channels or consultation calls

Information Collected Automatically

• Usage Data: Pages visited, features used, and actions taken on our platform
• Device Information: Browser type, operating system, IP address, and device identifiers
• Audit Results: Responses to our Business Health Audit and calculated recommendations
• Analytics Data: How you interact with our tools, calculators, and resources

How We Use Your Information

Primary Uses

• Service Delivery: Form your LLC/S-Corp, provide tax optimization strategies, and deliver contract templates
• Personalization: Customize recommendations based on your platform, revenue, and business structure
• Communication: Send important updates about your business formation, compliance deadlines, and tax obligations
• Support: Respond to your questions and provide ongoing business guidance
• Improvement: Analyze usage patterns to enhance our tools and services for creators

Marketing Communications

With your consent, we may send you:

• Creator business tips and tax-saving strategies
• New feature announcements and product updates
• Exclusive offers and early access to new tools
• Educational content about business optimization

How We Protect Your Data

Security Measures

• Encryption: SSL/TLS encryption for all data transmission and AES-256 encryption for stored data
• Access Controls: Role-based access ensuring only authorized personnel can view sensitive information
• Regular Audits: Quarterly security audits and vulnerability assessments
• Secure Infrastructure: Cloud hosting with enterprise-grade security (AWS/Google Cloud)
• PCI Compliance: Payment processing meets PCI DSS standards through Stripe
• Two-Factor Authentication: Available for all user accounts

Data Breach Protocol

In the unlikely event of a data breach, we will:

• Notify affected users within 72 hours
• Provide details about what information was compromised
• Offer guidance on protective measures you can take
• Cooperate fully with regulatory authorities

Your Privacy Rights

Your Rights Include

• Access: Request a copy of all personal information we have about you
• Correction: Update or correct any inaccurate information
• Deletion: Request deletion of your personal data (subject to legal requirements)
• Portability: Receive your data in a structured, machine-readable format
• Opt-Out: Unsubscribe from marketing communications at any time
• Restriction: Limit how we process your information

California Residents (CCPA)

California residents have additional rights under the California Consumer Privacy Act (CCPA), including:

• Right to know what personal information is collected
• Right to know if personal information is sold or disclosed
• Right to say no to the sale of personal information
• Right to non-discrimination for exercising privacy rights

European Residents (GDPR)

If you're located in the European Economic Area, you have rights under the General Data Protection Regulation (GDPR), including:

• Right to be informed about data collection and use
• Right to lodge a complaint with supervisory authorities
• Right to withdraw consent at any time
• Right to object to processing for direct marketing

Cookies & Tracking Technologies

Types of Cookies We Use

• Essential Cookies: Required for the website to function properly (login sessions, security)
• Analytics Cookies: Help us understand how you use our site (Google Analytics)
• Preference Cookies: Remember your settings and preferences
• Marketing Cookies: Track the effectiveness of our advertising campaigns

Managing Cookies

You can control cookies through your browser settings:

• Most browsers allow you to refuse or delete cookies
• You can set your browser to alert you when cookies are being sent
• Disabling cookies may limit some features of our platform

Third-Party Services

Service Providers We Work With

• Stripe: Secure payment processing (PCI compliant)
• Google Analytics: Website usage analysis (anonymized data)
• ConvertKit/Mailchimp: Email marketing services
• AWS/Google Cloud: Secure cloud hosting
• Intercom: Customer support chat
• State Filing Services: Business formation filing partners

Legal Disclosure

We may disclose your information when required by law, such as:

• To comply with a legal obligation or court order
• To protect and defend our rights or property
• To prevent fraud or illegal activities
• To protect the safety of our users or the public

Data Retention

How Long We Keep Your Data

• Active Account Data: As long as your account is active and for 3 years after closure
• Business Formation Records: 7 years (as required by law)
• Tax-Related Information: 7 years (IRS requirement)
• Marketing Data: Until you opt-out or 2 years of inactivity
• Support Communications: 2 years for quality assurance
• Website Analytics: 26 months (Google Analytics default)

Children's Privacy

Our services are not directed to individuals under 18. We do not knowingly collect personal information from children under 18. If you become aware that a child has provided us with personal information, please contact us immediately.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal requirements. We will notify you of any material changes by:

• Posting the new Privacy Policy on this page
• Updating the "Last Updated" date at the top
• Sending an email notification for significant changes

Your continued use of our services after changes constitutes acceptance of the updated policy.