A Bigger Bottom Line – Privacy Policy
Last Updated: November 25, 2025
This Privacy Policy explains how A Bigger Bottom Line (“ABBL,” “we,” “us,” or “our”) collects, uses, shares, and protects information when you:

Visit or use our website at www.abiggerbottom-line.com (the “Website”)
Interact with us via email, SMS/text message, or other electronic communications
Use our services, tools, or client portal that link to this Privacy Policy (collectively, the “Services”).

This Policy applies to visitors, prospective clients, and clients located in the United States, including residents of California. Some additional rights and disclosures apply specifically to California residents under the California Consumer Privacy Act (CCPA), as amended by the CPRA. Those are described in the section titled “Additional Information for California Residents.”
By using the Website or Services, you agree to the collection and use of information as described in this Policy.

1. Summary & Notice at Collection
We collect personal information for the following main reasons:

To operate, maintain, and secure our Website and Services
To respond to inquiries, schedule consultations, and deliver our accounting services
To manage billing and payments
To send service-related communications, including SMS reminders and updates (with your consent where required)
To improve our Website, Services, and client experience
To send marketing communications (only if you’ve opted in or as allowed by law)

Types of personal information we may collect include:

Identifiers (e.g., name, email address, phone number, mailing address)
Commercial information (e.g., services requested or purchased)
Payment information (processed by our payment processors)
Internet and device information (e.g., IP address, browser type, pages visited, via cookies and similar technologies)
Professional or business information you choose to share with us
Communication information (emails, forms, SMS content, call notes)

We do not sell your personal information for money, and we do not share mobile/SMS opt-in data or consent with third parties for their own marketing.

You can learn more about your choices and opt-out options in the section titled “Your Choices & Opt-Out Options.”

2. Information We Collect

2.1 Information You Provide to Us

We may collect personal information that you provide directly, including when you:

Visit our Website and submit a contact or inquiry form
Request a free consultation or book a meeting
Create or access a client portal account
Sign up for our email newsletter or downloadable resources
Purchase or engage Services from us
Communicate with us via email, SMS, phone, or other channels

This may include:

Contact details: name, email address, phone number, mailing address
Business information: company name, role/title, industry, and related details
Billing and payment info: payment card details, billing address (processed by our payment providers)
Account information: username, passwords, and configurations (for client portals or other tools, if applicable)
Communications: content of emails, SMS/text messages, forms, and call notes

2.2 Information Collected Automatically (Cookies & Similar Technologies)
When you use the Website, we and our service providers may automatically collect certain information about your device and browsing activity using cookies and similar technologies. This may include:

IP address
Browser type and version
Device type and operating system
Referring and exit pages
Pages viewed, links clicked, and time spent on the Website
General location information derived from your IP address

For more detail, see Section 4 – Cookies & Tracking Technologies.

2.3 Information from Third Parties
We may receive information about you from:

Scheduling tools (e.g., if you book a consultation through an online calendar tool)
Payment processors (e.g., confirmation of successful payments)
Email marketing or CRM platforms
Referral partners who have your permission to share your information

We use this information to provide and improve our Services and manage our relationship with you.

3. How We Use Your Information

We use the information we collect for the following purposes:

To provide and operate the Services
- Process and manage service requests and engagements
- Set up and manage client accounts and portals
- Deliver accounting and advisory services
To communicate with you
- Respond to inquiries, questions, and requests
- Send service-related messages, including appointment confirmations, reminders, and updates
- Send administrative information, such as policy changes or security notices
For SMS/text messaging (where applicable)
- Send appointment reminders, account alerts, and service updates
- Send promotional or marketing messages if you have opted in
- See Section 5 – SMS/Text Messaging for details and opt-out instructions
To process payments and prevent fraud
- Process payments and billing
- Detect and prevent fraudulent or unauthorized transactions
To improve our Website and Services
- Analyze usage and performance of the Website
- Understand how visitors use our site and content
- Develop new features or offerings
For marketing and promotions (with your consent or as permitted by law)
- Send newsletters, updates, and information about services that may interest you
- Run surveys, promotions, or other marketing initiatives
To comply with legal obligations and protect rights
- Comply with applicable laws, regulations, and professional obligations
- Enforce our terms, protect our rights, property, or safety, and that of our users or others

4. Cookies & Tracking Technologies

4.1 What Are Cookies?
Cookies are small text files stored on your device by your web browser. They help websites function properly and can make your experience more efficient by:

Remembering your preferences
Keeping you logged in
Helping us understand how visitors use our Website

We may also use similar technologies such as web beacons, pixels, and local storage.

4.2 Types of Cookies We Use

Strictly Necessary Cookies
Required for the Website to function (e.g., page navigation, secure areas, payment processing). You cannot opt out of these in our systems, but you can block them in your browser (which may break some site features).
Performance & Analytics Cookies
Help us understand how visitors use the Website, such as which pages are visited most often and how users move around the site. We may use tools like Google Analytics or similar services.
Functional Cookies
Remember your preferences (e.g., language, region, saved form details) to provide a more customized experience.
Advertising & Social Media Cookies (if used)
May be set by third-party advertising or social media partners to show you tailored ads on other websites or platforms and to enable social sharing features.

4.3 Managing Cookie Preferences
You have several options to manage or limit cookies:

Cookie Banner/Preferences (if implemented):
- When you first visit the Website, you may see a cookie banner. You can use it to accept all cookies or customize your preferences.
- You can revisit these preferences at any time via a “Cookie Settings” or similar link in the Website footer (if enabled).
Browser Settings:
- Most browsers allow you to refuse, delete, or disable cookies. Look in your browser’s “help” or “settings” section for options.
- If you disable cookies, some parts of the Website may not function properly.
Opting Out of Analytics & Ads:
- To manage Google Analytics specifically, you can use the Google Analytics opt-out browser add-on.
- For interest-based advertising, you can use industry tools such as the Digital Advertising Alliance opt-out pages (where available).

5. SMS/Text Messaging
We may offer the option to receive SMS/text messages, such as:

Appointment confirmations and reminders
Account or billing alerts
Service updates or support messages
Promotional or marketing messages (with your explicit consent where required)

5.1 Information Collected via SMS
If you opt in to receive SMS messages, we may collect:

Your mobile phone number
Message content you send to us
Date, time, and status of messages (delivered, opened, etc.)

We do not share your SMS opt-in data or consent with third parties for their own marketing or promotional purposes.

5.2 How to Opt Out of SMS
You can opt out of SMS messages at any time:

Reply “STOP” to any text message you receive from us to stop all non-essential SMS from that program.
For help or information about our SMS program, reply “HELP” to any text message or contact us using the details in Section 11 – Contact Us.

Message and data rates may apply depending on your carrier. Carriers are not liable for delayed or undelivered messages.
6. How We Share Your Information
We may share your information with the following categories of third parties, but only for the purposes described in this Policy:

Service Providers & Vendors
We work with trusted third parties who assist us with:
- Website hosting and maintenance
- Data storage and backup
- Payment processing
- Scheduling and calendar tools
- Email delivery, SMS delivery, and marketing platforms
- Analytics and performance monitoring
- Client portals and document management
These service providers may access your personal information only to perform services on our behalf and are contractually obligated to protect it.
Professional Advisors
Such as attorneys, accountants, and auditors, when necessary to support our legal and business obligations.
Legal & Compliance
We may disclose information if required by law, regulation, legal process, or governmental request, or to protect the rights, property, or safety of ABBL, our clients, or others.
Business Transfers
In connection with a merger, acquisition, reorganization, sale of assets, or bankruptcy, your information may be transferred as part of that transaction. We will take steps to ensure your rights are respected.

We do not sell your personal information for money. If we ever engage in activities that could be considered “selling” or “sharing” personal information under the CCPA (for example, certain types of targeted advertising), we will update this Policy and provide you with the right to opt out via a “Do Not Sell or Share My Personal Information” link.

7. Data Security
We use reasonable technical, organizational, and administrative measures to protect personal information, including:

Encryption of data in transit (e.g., SSL/TLS on our Website and client portals)
Secure configurations and access controls for systems and tools
Limiting access to personal information to staff and service providers who need it
Using reputable third-party vendors with appropriate security practices

However, no method of transmission or storage is 100% secure. We cannot guarantee absolute security, and you use the Website and Services at your own risk.

8. Data Retention
We retain personal information for as long as reasonably necessary to:

Provide the Services and maintain client relationships
Comply with legal, tax, and professional obligations
Resolve disputes and enforce our agreements
Maintain necessary business records

Retention periods may vary depending on the type of data and applicable laws or professional guidelines.

9. Your Choices & Opt-Out Options
You have several choices regarding how we use your information:

9.1 Email Marketing

You can opt out of marketing emails by clicking the “unsubscribe” link at the bottom of any marketing email we send you.
You may still receive non-marketing emails related to your account, services, or legal notices.

9.2 Cookies & Online Tracking

Manage your cookie preferences via our cookie banner/preferences (if available) or your browser settings.
See Section 4 – Cookies & Tracking Technologies for more detail.

9.3 SMS/Text Messages

Reply “STOP” to any SMS to opt out of that program.
Reply “HELP” for assistance, or contact us directly.

9.4 Access, Update, or Delete Your Information
You may request to:

Access the personal information we hold about you
Correct or update your information
Delete certain information, subject to legal and contractual limitations

To exercise these rights, contact us using the details in Section 11 – Contact Us. If you are a California resident, additional rights may apply (see Section 10).

10. Additional Information for California Residents (CCPA/CPRA)
If you are a resident of California, you may have additional rights under the California Consumer Privacy Act (CCPA), as amended by the CPRA. This section supplements the rest of this Privacy Policy.

10.1 Categories of Personal Information
In the past 12 months, we may have collected the following categories of personal information (as defined by the CCPA):

Identifiers: name, email address, postal address, phone number, IP address
Customer Records / Commercial Information: services requested or purchased, transaction history
Internet or Network Activity: browsing history, interactions with our Website
Professional or Employment Information: business name, role/title (when provided)
Inferences: preferences or interests we derive from your interactions with us

We collect these categories from you directly, your use of the Website and Services, and from service providers or other third parties as described earlier.

10.2 Your CCPA Rights
Subject to certain exceptions and limitations, California residents have the right to:

Right to Know/Access
Request that we disclose what personal information we collect, use, and disclose about you.
Right to Delete
Request that we delete personal information we collected from you, subject to legal and business exceptions.
Right to Correct
Request that we correct inaccuracies in your personal information.
Right to Non-Discrimination
We will not discriminate against you for exercising your CCPA rights (for example, by denying services or charging different prices solely because you exercised these rights).
Right to Opt Out of Sale/Sharing
As of the date of this Policy, we do not sell your personal information for money. If we begin engaging in practices that qualify as “selling” or “sharing” personal information under the CCPA, we will provide a “Do Not Sell or Share My Personal Information” link and explain how you can opt out.
Right to Limit Use of Sensitive Personal Information
If we process sensitive personal information in a way that triggers this right, we will provide you with a way to limit its use to certain permitted purposes.

10.3 How to Exercise Your CCPA Rights
To exercise any of the rights above, you may contact us using one of the following methods:

Phone: 1-855-752-6886
Email: info@abiggerbottom-line.com
Mail: [Insert Mailing Address]

When you submit a request, we may need to verify your identity (for example, by confirming certain information we already have on file) to protect your privacy and security. You may also designate an authorized agent to make requests on your behalf, subject to verification and documentation requirements.

11. Children’s Privacy
Our Website and Services are not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13. If we become aware that we have collected such information, we will take steps to delete it. If you believe we have collected information from a child, please contact us immediately.

12. International Users
Our Services are primarily intended for users located in the United States. If you access the Website from outside the U.S., please be aware that your information may be transferred to, stored, and processed in the United States, where data protection laws may be different from those in your country.

13. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or other factors.

When we do, we will revise the “Last Updated” date at the top of this page.
If we make material changes, we may also provide additional notice (such as by posting a banner, sending an email, or other appropriate method).

Your continued use of the Website or Services after any changes means you accept the updated Privacy Policy.

14. Accessibility
We are committed to making this Privacy Policy accessible to all users. If you need this Policy in an alternative format, or if you have difficulty accessing it, please contact us using the details below and we will do our best to assist you.

15. Contact Us

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

A Bigger Bottom Line
Phone: 1-855-752-6886
Email: info@abiggerbottom-line.com
Website: www.abiggerbottom-line.com

A Bigger Bottom Line – Privacy Policy Last Updated: November 25, 2025 This Privacy Policy explains how A Bigger Bottom Line (“ABBL,” “we,” “us,” or “our”) collects, uses, shares, and protects information when you:

Visit or use our website at www.abiggerbottom-line.com (the “Website”)

Interact with us via email, SMS/text message, or other electronic communications

Use our services, tools, or client portal that link to this Privacy Policy (collectively, the “Services”).

To operate, maintain, and secure our Website and Services

To respond to inquiries, schedule consultations, and deliver our accounting services

To manage billing and payments

To send service-related communications, including SMS reminders and updates (with your consent where required)

To improve our Website, Services, and client experience

To send marketing communications (only if you’ve opted in or as allowed by law)

Types of personal information we may collect include:

Identifiers (e.g., name, email address, phone number, mailing address)

Commercial information (e.g., services requested or purchased)

Payment information (processed by our payment processors)

Internet and device information (e.g., IP address, browser type, pages visited, via cookies and similar technologies)

Professional or business information you choose to share with us

Communication information (emails, forms, SMS content, call notes)

Visit our Website and submit a contact or inquiry form

Request a free consultation or book a meeting

Create or access a client portal account

Sign up for our email newsletter or downloadable resources

Purchase or engage Services from us

Communicate with us via email, SMS, phone, or other channels

This may include:

Contact details: name, email address, phone number, mailing address

Business information: company name, role/title, industry, and related details

Billing and payment info: payment card details, billing address (processed by our payment providers)

Account information: username, passwords, and configurations (for client portals or other tools, if applicable)

Communications: content of emails, SMS/text messages, forms, and call notes

2.2 Information Collected Automatically (Cookies & Similar Technologies) When you use the Website, we and our service providers may automatically collect certain information about your device and browsing activity using cookies and similar technologies. This may include:

IP address

Browser type and version

Device type and operating system

Referring and exit pages

Pages viewed, links clicked, and time spent on the Website

General location information derived from your IP address

For more detail, see Section 4 – Cookies & Tracking Technologies. 2.3 Information from Third Parties We may receive information about you from:

Scheduling tools (e.g., if you book a consultation through an online calendar tool)

Payment processors (e.g., confirmation of successful payments)

Email marketing or CRM platforms

Referral partners who have your permission to share your information

We use this information to provide and improve our Services and manage our relationship with you. 3. How We Use Your Information We use the information we collect for the following purposes:

To provide and operate the Services

Process and manage service requests and engagements

Set up and manage client accounts and portals

Deliver accounting and advisory services

To communicate with you

Respond to inquiries, questions, and requests

Send service-related messages, including appointment confirmations, reminders, and updates

Send administrative information, such as policy changes or security notices

For SMS/text messaging (where applicable)

Send appointment reminders, account alerts, and service updates

Send promotional or marketing messages if you have opted in

See Section 5 – SMS/Text Messaging for details and opt-out instructions

To process payments and prevent fraud

Process payments and billing

Detect and prevent fraudulent or unauthorized transactions

To improve our Website and Services

Analyze usage and performance of the Website

Understand how visitors use our site and content

Develop new features or offerings

For marketing and promotions (with your consent or as permitted by law)

Send newsletters, updates, and information about services that may interest you

Run surveys, promotions, or other marketing initiatives

To comply with legal obligations and protect rights

Comply with applicable laws, regulations, and professional obligations

Enforce our terms, protect our rights, property, or safety, and that of our users or others

4. Cookies & Tracking Technologies 4.1 What Are Cookies? Cookies are small text files stored on your device by your web browser. They help websites function properly and can make your experience more efficient by:

Remembering your preferences

Keeping you logged in

Helping us understand how visitors use our Website

We may also use similar technologies such as web beacons, pixels, and local storage. 4.2 Types of Cookies We Use

Strictly Necessary Cookies Required for the Website to function (e.g., page navigation, secure areas, payment processing). You cannot opt out of these in our systems, but you can block them in your browser (which may break some site features).

Performance & Analytics Cookies Help us understand how visitors use the Website, such as which pages are visited most often and how users move around the site. We may use tools like Google Analytics or similar services.

Functional Cookies Remember your preferences (e.g., language, region, saved form details) to provide a more customized experience.

Advertising & Social Media Cookies (if used) May be set by third-party advertising or social media partners to show you tailored ads on other websites or platforms and to enable social sharing features.

4.3 Managing Cookie Preferences You have several options to manage or limit cookies:

Cookie Banner/Preferences (if implemented):

When you first visit the Website, you may see a cookie banner. You can use it to accept all cookies or customize your preferences.

You can revisit these preferences at any time via a “Cookie Settings” or similar link in the Website footer (if enabled).

A Bigger Bottom Line – Privacy Policy
Last Updated: November 25, 2025
This Privacy Policy explains how A Bigger Bottom Line (“ABBL,” “we,” “us,” or “our”) collects, uses, shares, and protects information when you:

2.2 Information Collected Automatically (Cookies & Similar Technologies)
When you use the Website, we and our service providers may automatically collect certain information about your device and browsing activity using cookies and similar technologies. This may include:

For more detail, see Section 4 – Cookies & Tracking Technologies.

2.3 Information from Third Parties
We may receive information about you from:

We use this information to provide and improve our Services and manage our relationship with you.

3. How We Use Your Information

We use the information we collect for the following purposes:

4. Cookies & Tracking Technologies

4.1 What Are Cookies?
Cookies are small text files stored on your device by your web browser. They help websites function properly and can make your experience more efficient by:

We may also use similar technologies such as web beacons, pixels, and local storage.

4.2 Types of Cookies We Use

Strictly Necessary Cookies
Required for the Website to function (e.g., page navigation, secure areas, payment processing). You cannot opt out of these in our systems, but you can block them in your browser (which may break some site features).

Performance & Analytics Cookies
Help us understand how visitors use the Website, such as which pages are visited most often and how users move around the site. We may use tools like Google Analytics or similar services.

Functional Cookies
Remember your preferences (e.g., language, region, saved form details) to provide a more customized experience.

Advertising & Social Media Cookies (if used)
May be set by third-party advertising or social media partners to show you tailored ads on other websites or platforms and to enable social sharing features.

4.3 Managing Cookie Preferences
You have several options to manage or limit cookies:

5. SMS/Text Messaging
We may offer the option to receive SMS/text messages, such as:

5.1 Information Collected via SMS
If you opt in to receive SMS messages, we may collect:

We do not share your SMS opt-in data or consent with third parties for their own marketing or promotional purposes.

5.2 How to Opt Out of SMS
You can opt out of SMS messages at any time:

Message and data rates may apply depending on your carrier. Carriers are not liable for delayed or undelivered messages.
6. How We Share Your Information
We may share your information with the following categories of third parties, but only for the purposes described in this Policy:

Service Providers & Vendors
We work with trusted third parties who assist us with:

Professional Advisors
Such as attorneys, accountants, and auditors, when necessary to support our legal and business obligations.

Legal & Compliance
We may disclose information if required by law, regulation, legal process, or governmental request, or to protect the rights, property, or safety of ABBL, our clients, or others.

Business Transfers
In connection with a merger, acquisition, reorganization, sale of assets, or bankruptcy, your information may be transferred as part of that transaction. We will take steps to ensure your rights are respected.

However, no method of transmission or storage is 100% secure. We cannot guarantee absolute security, and you use the Website and Services at your own risk.

8. Data Retention
We retain personal information for as long as reasonably necessary to:

Retention periods may vary depending on the type of data and applicable laws or professional guidelines.

9. Your Choices & Opt-Out Options
You have several choices regarding how we use your information:

9.1 Email Marketing

9.4 Access, Update, or Delete Your Information
You may request to:

We collect these categories from you directly, your use of the Website and Services, and from service providers or other third parties as described earlier.

10.2 Your CCPA Rights
Subject to certain exceptions and limitations, California residents have the right to:

Right to Know/Access
Request that we disclose what personal information we collect, use, and disclose about you.

Right to Delete
Request that we delete personal information we collected from you, subject to legal and business exceptions.

Right to Correct
Request that we correct inaccuracies in your personal information.

Right to Non-Discrimination
We will not discriminate against you for exercising your CCPA rights (for example, by denying services or charging different prices solely because you exercised these rights).

Right to Limit Use of Sensitive Personal Information
If we process sensitive personal information in a way that triggers this right, we will provide you with a way to limit its use to certain permitted purposes.

10.3 How to Exercise Your CCPA Rights
To exercise any of the rights above, you may contact us using one of the following methods: