OVERTIME FINANCIAL SOLUTIONS, LLC
PRIVACY POLICY
Effective Date: September 24, 2026
Overtime Financial Solutions, LLC (“Overtime Financial Solutions,” “OFS,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information entrusted to us.
This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit our website, communicate with us, submit an inquiry or application, use our services, participate in our programs, or otherwise interact with Overtime Financial Solutions.
This Privacy Policy applies to information collected through our website, online forms, lead forms, social media advertisements and promotions, email communications, SMS/text communications, and other interactions with OFS.
1. Information We May Collect
Depending on your interaction with OFS, we may collect information including:
Personal and Contact Information
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Name
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Email address
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Telephone number
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Mailing address
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Other information you voluntarily provide
Service and Application Information
When you inquire about or apply for an OFS service or program, we may collect information concerning the services you are interested in, your financial goals, business information, employment or self-employment information, application responses, and other information reasonably necessary to evaluate or provide the requested service.
Tax Preparation Information
Tax preparation may require sensitive financial and taxpayer information, including income information, tax forms, identification information, Social Security or taxpayer identification numbers, dependent information, banking information, and other information required to prepare or assist with a tax return.OFS directs clients to submit sensitive tax documentation through our designated secure client portal. Clients should not submit Social Security numbers, tax documents, financial account credentials, or other highly sensitive taxpayer information through ordinary website contact forms, social-media messages, or unsecured email unless specifically instructed through an authorized secure process.
Credit-Related Information
When you enroll in credit-related services, OFS may receive or access credit information necessary to provide those services through third-party credit monitoring or reporting services authorized or utilized by you, including Credit Hero.OFS does not operate Credit Hero and is not responsible for the independent privacy, security, or business practices of third-party providers.
Payment Information
When you purchase services, payment information may be processed through third-party payment processors, including Square. OFS may receive information regarding the transaction, such as payment status, transaction amount, and identifying information, but payment-card information may be processed and maintained by the applicable payment processor.
Website and Device Information
When you use our website or online services, certain information may be collected automatically, including IP address, browser or device information, pages viewed, referring pages, approximate location derived from an IP address, website interactions, cookies, and similar technical information.
2. How We Use Information
OFS may use information to:
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Provide and administer requested services;
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Communicate with clients, applicants, prospects, and program participants;
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Prepare and support tax preparation services;
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Provide credit-improvement services;
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Provide funding strategy and business advisory services;
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Process applications and inquiries;
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Process and document payments;
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Operate training, mentorship, or educational programs;
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Provide customer service;
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Send appointment, service, account, and administrative communications;
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Send marketing and promotional communications where permitted;
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Improve our website, services, advertising, and customer experience;
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Detect or prevent fraud, misuse, security incidents, or unlawful activity;
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Maintain business and transaction records;
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Comply with legal, regulatory, tax, professional, and security obligations; and
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Protect the rights, property, security, and interests of OFS, our clients, and others.
3. Email Marketing
If you provide your email address to OFS, we may send you communications regarding OFS products, services, programs, educational information, promotions, opportunities, or other marketing content where permitted by law.
You may unsubscribe from promotional emails by using the unsubscribe mechanism included in the applicable email.
Unsubscribing from marketing emails does not necessarily prevent OFS from sending non-promotional communications relating to an existing client relationship, transaction, service, account, application, or other necessary business communication.
4. SMS/Text Message Communications
If you provide your mobile telephone number and provide the appropriate consent, OFS may send you text messages concerning services, inquiries, applications, appointments, reminders, promotions, offers, recruiting opportunities, educational programs, or other OFS communications.
Consent to receive marketing text messages is not a condition of purchasing OFS services.
Message frequency may vary. Message and data rates may apply depending on your wireless carrier and plan.
You may opt out of promotional text messages by replying STOP to a marketing message or by contacting OFS.
You may also contact us for assistance regarding our messaging program.
The FCC recognizes reply texts such as STOP, QUIT, END, REVOKE, OPT OUT, CANCEL, and UNSUBSCRIBE as recognized methods of revoking consent in applicable circumstances.
5. Cookies, Analytics, and Advertising Technologies
OFS and service providers supporting our website, analytics, advertising, or marketing may use cookies, pixels, tags, and similar technologies.
These technologies may be used to operate the website, understand website usage, measure advertising effectiveness, remember preferences, detect security issues, and support marketing campaigns.
Where required by applicable law, users may have rights concerning certain uses of their information for targeted advertising or similar purposes.
6. How We May Disclose Information
OFS may disclose personal information when reasonably necessary to operate our business or provide requested services, including to:
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Tax preparation software, e-filing, banking, and secure portal providers;
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Credit monitoring or credit-related service providers authorized by the client;
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Payment processors;
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Website hosting and technology providers;
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Email and SMS communication providers;
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Customer relationship management and business software providers;
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Advertising, analytics, or marketing service providers;
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Professional advisors, accountants, attorneys, consultants, and contractors;
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Government agencies, taxing authorities, regulators, law enforcement, or courts when required or permitted by law; and
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Other parties with your authorization or as reasonably necessary to fulfill your requested service.
OFS does not disclose taxpayer information merely for unrelated marketing purposes when such disclosure would violate applicable law or professional obligations.
Nothing in this Privacy Policy authorizes OFS to use or disclose tax return information in a manner prohibited by applicable federal tax law.
7. Information Security
OFS takes reasonable administrative, technical, and physical measures designed to safeguard personal and financial information.
Because OFS provides tax preparation and financial-related services, we recognize that certain information entrusted to us is particularly sensitive.
OFS uses designated systems and service providers to facilitate secure handling of sensitive information. However, no method of electronic transmission or storage can be guaranteed to be completely secure.
Tax preparation firms are among the financial institutions covered by the FTC Safeguards Rule, which requires covered businesses to maintain an information-security program appropriate to their operations and the sensitivity of customer information.
8. Data Retention
OFS may retain personal information for as long as reasonably necessary to provide services, maintain business and tax records, comply with legal or regulatory requirements, resolve disputes, enforce agreements, maintain security, or fulfill other legitimate business purposes.
Retention periods may vary depending on the type of information and the service involved.
9. Third-Party Websites and Services
Our website or communications may contain links to third-party websites, portals, payment processors, credit-monitoring platforms, social-media services, or other third-party platforms.
Those services operate independently and may maintain their own privacy policies and terms. OFS is not responsible for the privacy practices, security, availability, or content of independent third-party services.
10. Consumer Privacy Rights
Depending on your state of residence and whether a particular privacy law applies to OFS or the particular processing activity, you may have certain rights concerning your personal information.
These may include rights to request access, correction, deletion, or a copy of certain personal information and, where applicable, to opt out of certain processing involving targeted advertising, sale of personal information, or qualifying profiling.
Tennessee’s Information Protection Act provides qualifying Tennessee consumers with privacy rights and requires covered entities to provide mechanisms for exercising applicable rights and appealing certain denied requests.
To submit a privacy request, contact:
Please include sufficient information for us to identify your request. We may need to verify your identity before processing certain requests.
Where applicable law provides an appeal right following denial of a privacy request, you may submit an appeal using the same email address and identify your communication as a Privacy Request Appeal.
11. Children’s Privacy
OFS’s website and financial services are not directed to children under 13.
We do not knowingly solicit personal information directly from children under 13 through our general website or marketing activities.
Information regarding a client’s dependents may nevertheless be collected from an authorized adult when reasonably necessary to provide tax preparation or another requested service.
12. Changes to This Privacy Policy
OFS may update this Privacy Policy periodically to reflect changes in our practices, services, technology, or legal requirements.
The revised policy will display an updated effective date when published.
13. Contact Us
Questions or requests regarding this Privacy Policy may be directed to:
Overtime Financial Solutions, LLC
1740 Old Fort Parkway #1247
Murfreesboro, TN 37129
Phone: 901-231-9141
Email: info@overtimefs.com