Privacy Policy

We collect information you provide directly to us, information collected automatically as you use our website, and information we receive from third parties in the course of delivering our services.

Information you provide to us includes:

• —Identity and contact details, such as your name, email address, phone number, and mailing address.
• —Account credentials and profile information when you register for our client portal.
• —Financial, accounting, and tax records you share with us so we can perform our services, including bank statements, invoices, payroll data, and identification or tax documents.
• —Communications you send to us, including support requests and correspondence.

Information we collect automatically includes:

• —Usage and device data, such as your IP address, browser type, pages viewed, and the dates and times of your visits.
• —Cookies and similar technologies used to operate the site, remember preferences, and measure analytics.

We use the information we collect to:

• —Provide, maintain, and improve our accounting, bookkeeping, tax, compliance, and business-formation services.
• —Create and administer your client portal account and authenticate your access.
• —Communicate with you about your engagement, respond to inquiries, and send service-related notices.
• —Process payments and maintain records required for our business.
• —Comply with legal, tax, and regulatory obligations.
• —Detect, prevent, and address security incidents, fraud, and misuse.

We do not sell your personal information. We may share information in the following limited circumstances:

• —With service providers who perform functions on our behalf, such as authentication (e.g., our identity provider), hosting, analytics, and payment processing, under obligations to protect your data.
• —With government agencies and regulators when required to prepare filings or comply with applicable law on your behalf.
• —When required by law, subpoena, or other legal process, or to protect the rights, property, or safety of Panorama, our clients, or others.
• —In connection with a merger, acquisition, financing, or sale of assets, subject to appropriate confidentiality protections.

We retain personal and financial information for as long as needed to provide our services, maintain accurate records, and satisfy legal, tax, and regulatory retention requirements. When information is no longer required, we take reasonable steps to delete or de-identify it.

We use reasonable administrative, technical, and physical safeguards designed to protect your information against unauthorized access, loss, or misuse. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

We use cookies and similar technologies to operate the website, remember your preferences, and understand how visitors use our site. You can control cookies through your browser settings, though disabling them may affect some functionality. We may use analytics tools to help us measure and improve the performance of our website.

Depending on where you live, you may have rights to access, correct, delete, or restrict the use of your personal information, or to object to certain processing. To exercise any of these rights, contact us using the details below. We will respond consistent with applicable law and may need to verify your identity before acting on a request.

Our website and services are intended for businesses and individuals who are at least 18 years old. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us so we can delete it.

Our website and portal may link to or rely on third-party websites and services. We are not responsible for the privacy practices of those third parties, and we encourage you to review their privacy policies.

Panorama is based in the United States, and your information may be processed and stored in the United States or other countries that may have data-protection laws different from those in your jurisdiction. By using our services, you understand that your information may be transferred to and processed in the United States.

We may update this Privacy Policy from time to time. When we make material changes, we will revise the “Last updated” date above and, where appropriate, provide additional notice. Your continued use of our website or services after an update constitutes acceptance of the revised policy.

If you have questions about this Privacy Policy or our data practices, contact us at contact@panorama.cash or (314) 200-5577.