Privacy Policy

1. Age Requirement

Our services and website are intended solely for individuals who are 18 years of age or older. We do not knowingly collect personal information from anyone under 18. If you are under 18, please do not submit any information through our website. If we become aware that we have inadvertently collected information from a minor, we will delete it promptly.

2. Information We Collect

We collect only the information necessary to provide bookkeeping and fractional CFO services. This includes:

• Personal identifiers: First name and last name
• Contact information: Email address and phone number
• Usage data: Website activity collected automatically via Google Analytics (see Section 5)
• Financial information: Business financial data you share with us in the course of our engagement (governed separately by our client service agreement and our GLBA/FTC Safeguards compliance obligations)

We do not collect Social Security numbers, payment card numbers, or sensitive personal information through our website.

3. How We Use Your Information

We use the information we collect to:

• Respond to inquiries and schedule consultations
• Deliver bookkeeping and fractional CFO services to clients
• Send service-related communications, updates, and follow-ups via email or phone
• Send marketing and educational content (you may opt out at any time)
• Analyze website traffic and improve our website through Google Analytics
• Run retargeting advertising campaigns through Meta Business Suite (Facebook/Instagram)
• Comply with legal and regulatory obligations

4. How We Contact You

By providing your email address or phone number, you consent to being contacted by 10.4 Financial through those channels for service-related and marketing communications. You may opt out of marketing communications at any time by replying "STOP" to any SMS, clicking "Unsubscribe" in any email, or contacting us directly. Opting out of marketing does not affect communications related to active service engagements.

5. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies for two purposes:

• Google Analytics: We use Google Analytics to understand how visitors interact with our website (pages visited, time on site, traffic sources). Google Analytics collects data anonymously and reports website trends without identifying individual visitors. You can opt out via the Google Analytics Opt-out Browser Add-on.
• Meta Pixel (Facebook/Instagram): We use the Meta Pixel to run retargeting advertising campaigns. This allows us to show ads to people who have previously visited our website. Meta may use this data in accordance with its own Privacy Policy. You can manage your ad preferences at facebook.com/ads/preferences.

By continuing to use our website, you consent to the use of these cookies. Most browsers allow you to refuse or delete cookies through their settings.

6. Third-Party Service Providers

We share your information only with trusted third-party service providers who assist us in operating our business. These parties are contractually obligated to protect your data and may not use it for any other purpose. Current providers include:

• GoHighLevel — CRM, email marketing, and communications platform
• Google (Analytics) — Website analytics
• Meta (Facebook/Instagram) — Retargeting advertising

We do not sell, rent, or trade your personal information to any third party for their own marketing purposes.

7. Financial Data & GLBA Compliance

As a financial services firm, 10.4 Financial is subject to the Gramm-Leach-Bliley Act (GLBA) and the FTC Safeguards Rule. Client financial information is handled under our separate Notice of Privacy Practices provided at the time of engagement. We maintain administrative, technical, and physical safeguards to protect nonpublic personal financial information in accordance with applicable federal law.

8. Data Retention

We retain your personal information for as long as necessary to provide services, comply with legal obligations, resolve disputes, and enforce our agreements. When data is no longer needed, we dispose of it securely.

9. Your Rights

You have the right to:

• Request access to the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information, subject to legal retention requirements
• Opt out of marketing communications at any time

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

10. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the effective date at the top of this page. We encourage you to review this policy periodically. Continued use of our website after any changes constitutes your acceptance of the updated policy.

11. Contact Us

If you have questions, concerns, or requests related to this Privacy Policy, please reach out: