Privacy Policy

1. Information We Collect

The information Kosma Books receives depends on how you interact with the website and the services you choose to use.

Information You Provide

You may provide personal or business information when you contact Kosma Books, send an email, request information, schedule a conversation through the online booking page, or otherwise communicate about bookkeeping services.

Information you voluntarily provide may include:

• Your first and last name.
• Email address.
• Telephone number.
• Business name.
• Whether you identify yourself as a current Kosma Books client or a new potential client.
• Information about what you would like to discuss during a scheduled conversation.
• Information about your bookkeeping needs, business circumstances, or reason for contacting Kosma Books.
• Other information you choose to include in a message, inquiry, booking request, or other communication.

Information Collected Automatically

When you visit the website, certain technical and usage information may be collected automatically by the website, hosting provider, analytics services, security tools, or similar technologies.

This information may include device type, browser type, operating system, Internet Protocol address, referring website, pages viewed, approximate geographic area, date and time of visits, and general website interaction information.

2. How We Use Information

Kosma Books uses information for legitimate purposes related to operating the website, communicating with prospective and current clients, scheduling and conducting conversations, providing services, maintaining business records, and improving the visitor experience.

Information may be used to:

• Respond to inquiries, questions, and requests for information.
• Schedule, confirm, and prepare for conversations about bookkeeping services.
• Provide calendar invitations, meeting information, and communications associated with scheduled conversations.
• Communicate with prospective and current clients.
• Evaluate whether Kosma Books services may be appropriate for a potential client.
• Provide, administer, and improve services.
• Operate, maintain, secure, and improve the Kosma Books website.
• Understand general website traffic, visitor behavior, and which website content is useful.
• Diagnose technical issues and protect the website and business against misuse, fraud, or harmful activity.
• Maintain appropriate administrative and business records.
• Comply with applicable legal, regulatory, tax, accounting, or administrative obligations.

3. Cookies & Website Analytics

The Kosma Books website may use cookies, analytics technologies, and similar tools that help the website function and provide information about how visitors interact with it.

Analytics information may be used to understand website traffic, identify popular or useful pages, evaluate how visitors navigate the website, troubleshoot technical issues, and make improvements to website content and performance.

Kosma Books may use third-party analytics services, including services such as Google Analytics when enabled. These providers may use cookies or similar technologies in accordance with their own privacy practices.

Most internet browsers allow users to control or disable cookies through browser settings. Disabling certain cookies may affect how some website features function.

4. Selling or Renting Personal Information

Kosma Books does not operate a business model based on selling personal information and does not sell or rent personal information provided through the website or booking process for monetary compensation.

Kosma Books also does not provide personal information to unrelated businesses for their independent direct marketing simply because you contacted Kosma Books.

5. When Information May Be Shared

Kosma Books may provide limited information to third-party service providers when reasonably necessary to operate the website or business, communicate with clients and potential clients, schedule or conduct conversations, provide requested services, maintain security, or fulfill legal obligations.

Examples may include providers involved in:

• Website hosting and maintenance.
• Website security and performance.
• Website analytics.
• Appointment scheduling and calendar management.
• Video conferencing.
• Email and business communications.
• Accounting, bookkeeping, administrative, or professional business systems used in connection with services.

Kosma Books may also disclose information when reasonably necessary to comply with law, respond to valid legal process, protect legal rights, prevent fraud or misuse, or protect the safety and security of Kosma Books, its clients, or others.

6. Third-Party Services & Links

The Kosma Books website contains links to services and platforms operated by third parties. When you follow a link to another provider or use a service operated by another provider, information processed through that service may also be governed by that provider's own privacy practices.

7. Email & Business Communications

If you contact Kosma Books by email, telephone, or another available communication method, information contained in your communication and the contact information you provide may be retained as reasonably necessary to respond, maintain business records, provide requested services, or continue an appropriate business relationship.

Ordinary email and similar communication methods are not always secure methods for transmitting highly sensitive information. Unless Kosma Books has provided an appropriate secure method for doing so, you should avoid sending passwords, full financial account credentials, Social Security numbers, or other highly sensitive information through ordinary email or similar communications.

8. Data Retention

Kosma Books retains personal information only for as long as reasonably necessary for the purpose for which it was collected, to maintain appropriate business records, to provide services, to resolve disputes, or to satisfy applicable legal, accounting, tax, administrative, or professional obligations.

Retention periods may vary depending on the nature of the information and the reason it was collected.

9. Information Security

Kosma Books takes reasonable administrative, technical, and organizational measures intended to protect information from unauthorized access, loss, misuse, alteration, or disclosure.

However, no website, electronic storage system, internet transmission, or communication method can be guaranteed to be completely secure. Kosma Books therefore cannot guarantee absolute security of information transmitted or stored electronically.

10. Your Privacy Choices

You may contact Kosma Books if you have a reasonable question about personal information you previously provided directly to Kosma Books or would like to request that inaccurate contact information be corrected.

Depending on the circumstances and any applicable legal or record-retention obligations, Kosma Books may also be able to delete certain information that is no longer necessary for business or legal purposes.

Requests involving information maintained directly by a third-party platform may need to be submitted to that platform.

11. Children's Privacy

The Kosma Books website and bookkeeping services are intended for adults and businesses. Kosma Books does not knowingly seek to collect personal information from children under the age of 13 through this website.

If Kosma Books becomes aware that information from a child under 13 was submitted through the website without appropriate authorization, reasonable steps may be taken to remove that information when appropriate.

12. Changes to This Privacy Policy

Kosma Books may update this Privacy Policy from time to time to reflect changes in website functionality, business practices, service providers, or applicable requirements.

When the policy is updated, the effective date shown near the top of this page may also be revised. Continued use of the website after an updated policy is posted is subject to the version then available on this page.

13. Contact Kosma Books

Questions about this Privacy Policy or information provided directly to Kosma Books may be directed to: