Privacy Policy

1. Introduction and Overview

Welcome to BreakEven SMB ("we," "our," or "us"). We respect your privacy and are committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website breakevensmb.com (the "Site"). By using our Site, you consent to the data practices described in this statement.

At BreakEven SMB, we understand that privacy is important to our users, especially small business owners who trust us with their financial planning needs. This comprehensive Privacy Policy is designed to provide complete transparency about our data practices and to help you understand how we handle your information. We believe that clear communication about privacy builds trust, and we are committed to being open about our data collection and use practices.

This Privacy Policy applies to all visitors, users, and others who access or use our Site. It covers information collected through our calculator pages, guides, and contact form. We encourage you to read this Privacy Policy carefully to understand our current practices regarding your information.

2. Information We Collect

2.1 Information You Provide Directly

We may collect personal information that you voluntarily provide to us when you interact with our Site. This currently includes information you provide when you:

• Submit our contact form
• Email us directly with a question, support issue, or feedback
• Send information through calculator-related inquiry forms where available

The types of personal information we may collect include your name, email address, business type, subject line, message content, and any other information you choose to include in your message. We do not require account registration to use the calculators.

2.2 Automatically Collected Information

When you visit our Site, we may automatically collect certain information about your device and browsing activity. This information helps us understand how visitors use our Site and allows us to improve our services. Automatically collected information may include:

• IP address and general geographic location
• Browser type, version, and language settings
• Operating system and device type
• Pages visited, time spent on each page, and navigation paths
• Date and time of your visit
• Referring website or search terms used to find our site
• Click patterns and interaction with Site elements
• Screen resolution and color depth

This information may be collected through standard server logs, cookies, and similar browser technologies. We use it to understand site performance, protect the site, and improve the usefulness of our content and calculators.

2.3 Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our Site and hold certain information. Cookies are small text files that are placed on your computer or mobile device when you visit a website. They are widely used to make websites work more efficiently and provide information to website owners.

Types of cookies we use include:

• Essential Cookies: Necessary for the Site to function properly and cannot be disabled
• Performance Cookies: Help us understand general site usage and performance
• Functionality Cookies: Support normal site behavior where applicable
• Advertising Cookies: Used to deliver relevant advertisements

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Site.

3. How We Use Your Information

We use the information we collect for various purposes to provide and improve our services. Specifically, we use your information to:

• Provide, operate, and maintain our services and calculators
• Respond to your comments, questions, and requests
• Send you replies to questions you submitted to us
• Monitor and analyze general usage, trends, and site activity
• Improve our Site, products, services, and customer experience
• Develop new products, services, features, and functionality
• Ensure the security and integrity of our Site
• Detect, prevent, and address technical issues and fraudulent activity
• Comply with legal obligations and enforce our terms
• Protect our rights, property, and safety and that of our users

4. Legal Basis for Processing (GDPR Compliance)

If you are located in the European Economic Area (EEA), our legal basis for collecting and using your personal information depends on the specific context in which we collect it. We will normally collect personal information from you only where:

• We have your consent to do so
• We need the personal information to perform a contract with you
• The processing is in our legitimate interests and not overridden by your rights
• We have a legal obligation to collect and process the information

5. Data Sharing and Disclosure

We value your privacy and do not sell, trade, or rent your personal information to third parties for their marketing purposes. We may share your information only in the following circumstances:

5.1 Service Providers

We may employ trusted third-party companies and individuals to facilitate our services, provide services on our behalf, perform service-related activities, or assist us in analyzing how our Site is used. These third parties have access to your personal information only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose. Our service providers include:

• Web hosting and infrastructure providers
• Email delivery providers
• Security and fraud prevention services

5.2 Legal Requirements

We may disclose your personal information if required to do so by law or in response to valid requests by public authorities (such as a court or government agency). This includes disclosures necessary to:

• Comply with a legal obligation
• Protect and defend our rights or property
• Prevent or investigate possible wrongdoing in connection with the Site
• Protect the personal safety of users of the Site or the public
• Protect against legal liability

5.3 Business Transfers

If BreakEven SMB is involved in a merger, acquisition, or sale of all or a portion of its assets, your personal information may be transferred as part of that transaction. We will notify you via email and/or a prominent notice on our Site of any change in ownership or uses of your personal information.

6. Google AdSense and Advertising

We use Google AdSense to display advertisements on our Site. Google, as a third-party vendor, uses cookies to serve ads based on your prior visits to our Site and other sites on the internet. Google's use of advertising cookies enables it and its partners to serve ads to you based on your visit to our Site and other sites on the internet.

You may opt out of personalized advertising by visiting Google Ads Settings. Alternatively, you can opt out of a third-party vendor's use of cookies for personalized advertising by visiting www.aboutads.info.

We rely on Google AdSense and related advertising technology to serve ads automatically. Those services may use cookies or similar technologies consistent with Google's advertising policies.

7. Data Security

The security of your personal information is important to us. We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of data in transit using SSL/TLS technology
• Regular security assessments and vulnerability testing
• Access controls and authentication procedures
• Regular security training for our team members
• Incident response and breach notification procedures

However, please be aware that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

8. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. The criteria used to determine our retention periods include:

• The length of time we have an ongoing relationship with you
• Whether there is a legal obligation to which we are subject
• Whether retention is advisable considering our legal position
• Our legitimate business interests

When we no longer need your personal information, we will securely delete or anonymize it in accordance with our data retention policies.

9. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information. These rights may include:

9.1 Access and Portability

You have the right to request access to the personal information we hold about you and to receive a copy of that information in a structured, commonly used, and machine-readable format.

9.2 Rectification

You have the right to request that we correct any inaccurate or incomplete personal information we hold about you.

9.3 Erasure (Right to be Forgotten)

You have the right to request that we delete your personal information in certain circumstances, such as when the information is no longer necessary for the purposes for which it was collected.

9.4 Restriction of Processing

You have the right to request that we restrict the processing of your personal information in certain circumstances.

9.5 Objection to Processing

You have the right to object to the processing of your personal information where we are relying on legitimate interests as the legal basis for processing.

9.6 Withdrawal of Consent

Where we rely on your consent to process your personal information, you have the right to withdraw that consent at any time. Withdrawal of consent will not affect the lawfulness of processing based on consent before its withdrawal.

To exercise any of these rights, please contact us using the contact information provided at the end of this Privacy Policy. We will respond to your request within the timeframe required by applicable law.

10. Children's Privacy

Our Site is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us immediately. If we become aware that we have collected personal information from children under 13 without verification of parental consent, we will take steps to remove that information from our servers.

11. International Data Transfers

Your information, including personal information, may be transferred to and maintained on computers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those in your jurisdiction. If you are located outside the United States and choose to provide information to us, please note that we transfer the information, including personal information, to the United States and process it there.

We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy. No transfer of your personal information will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

12. California Privacy Rights (CCPA)

If you are a California resident, you have specific rights regarding your personal information under the California Consumer Privacy Act (CCPA). These rights include:

• The right to know what personal information is being collected about you
• The right to know whether your personal information is sold or disclosed and to whom
• The right to say no to the sale of your personal information
• The right to access your personal information
• The right to equal service and price, even if you exercise your privacy rights

BreakEven SMB does not sell personal information to third parties. To exercise your California privacy rights, please contact us using the information provided below.

13. Do Not Track Signals

Some browsers incorporate a "Do Not Track" (DNT) feature that signals to websites you visit that you do not want to be tracked. Because there is not yet a common understanding of how to interpret DNT signals, our Site does not currently respond to DNT signals. However, you can opt out of tracking through the mechanisms described in this Privacy Policy.

14. Third-Party Links

Our Site may contain links to third-party websites, services, or applications that are not operated by us. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

15. Changes to This Privacy Policy

We may update our Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date at the top of this Privacy Policy. You are advised to review this Privacy Policy periodically for any changes.

Changes to this Privacy Policy are effective when they are posted on this page. Your continued use of the Site after we post any modifications to the Privacy Policy will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Privacy Policy.

16. Contact Us

If you have any questions about this Privacy Policy, our data practices, or would like to exercise your rights, please contact us at:

Email: contact@breakevensmb.com

Response Time: We will respond to your inquiry within 30 days.

We are committed to working with you to obtain a fair resolution of any complaint or concern about privacy. If, however, you believe that we have not been able to assist with your complaint or concern, you may have the right to make a complaint to your local data protection authority.