Privacy Policy and Terms of Use

Privacy Policy

Sevcos LLC · Effective date: November 6, 2026

A1. Introduction and Scope. Sevcos LLC ("Sevcos," "we," "us," "our") provides financial administration services to businesses, including accounting, regulatory compliance, insurance management, and financial process design. This Privacy Policy describes how we collect, use, disclose, retain, and protect information about visitors to sevcos.com (the "Site"), prospective clients, clients, and others who contact us, including through text messaging. It applies to information collected online and offline in connection with these activities. Client engagements may be governed by separate written agreements and notices; if they conflict with this Policy, those control for the engagement.

A2. Definitions. "Personal information" means information that identifies, relates to, or could reasonably be linked to an individual. "Client" means a person or entity that has engaged us under a written agreement. "Prospective client" means a person or entity that has contacted us about our services but has not yet engaged us. "Services" means the financial administration services we provide. "Messages" means the text messages described in the SMS Terms & Conditions section of our Terms of Use.

A3. Information We Collect

We do not intentionally collect sensitive categories through the Site. Do not submit Social Security numbers, bank account numbers, or tax documents through the Site, by text, or by ordinary email.

A4. How We Use Personal Information

• Provide, administer, and bill for Services and communicate about them
• Design, administer, verify, and document payment, approval, and compliance workflows for clients
• Respond to inquiries and requests, including from prospective clients
• Send the Messages described in the SMS Terms & Conditions
• Record consent and honor opt-outs
• Operate, secure, maintain, troubleshoot, and measure use of the Site and our systems
• Detect and prevent fraud, abuse, and security incidents
• Comply with law, professional obligations, and legal process; establish or defend legal claims
• Maintain business records and perform internal administration, audits, and planning

A5. Text Messaging. We send Messages to existing clients only, in reply to messages they send us, for account notifications, document requests, appointment reminders, and payment reminders. We do not send marketing or promotional Messages. Clients consent to receive Messages by texting our business number, which we share with clients directly; we reply only within that conversation and do not text anyone who has not contacted us. Consent to receive Messages is not a condition of purchasing any service. You may opt out at any time by replying STOP, or get more information by replying HELP. Message frequency varies. Message and data rates may apply. See our SMS Terms & Conditions for details.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. The categories above exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

A6. Email Communications. We communicate with clients and inquirers by email. Email is not a secure channel for sensitive data. We will tell you when a secure method should be used. You may ask us to stop non-essential emails at any time; we may still send service-related notices.

A7. How We Disclose Personal Information. We do not sell personal information, and we do not share it for cross-context behavioral advertising. We disclose it only to:

• Service providers acting on our behalf, such as website hosting, email, telephone and text messaging (including Dialpad), document storage, software vendors, and website analytics (Google Analytics and Microsoft Clarity), under obligations to use it only for our purposes
• Professional advisors such as attorneys, auditors, and insurers
• Government and legal recipients when required by law, subpoena, or regulatory request, or to protect rights, safety, or property
• Business successors in a merger, sale, or reorganization, subject to this Policy
• Others at your direction or with your consent, including taxing authorities, insurers, financial institutions, or other third parties you ask us to deal with

We may use or disclose de-identified or aggregated information that cannot reasonably identify you.

A8. Cookies, Analytics, and Tracking. The Site uses Google Analytics and Microsoft Clarity to understand how visitors use it, including pages visited, time spent, clicks, scrolling, referring websites, approximate location, and device type. These tools use cookies and similar technologies, and Clarity may record how you interact with the Site's pages. We have turned off advertising features in Google Analytics, and we do not use analytics data for advertising or to identify individual visitors. Our hosting provider may also use technical cookies and logs needed to deliver and secure the Site. You can block or delete cookies in your browser settings, and you can opt out of Google Analytics with Google's browser add-on at tools.google.com/dlpage/gaoptout. We do not respond differently to "Do Not Track" signals.

A9. Retention. We keep personal information as long as reasonably necessary to provide Services, meet legal, tax, and professional recordkeeping obligations, resolve disputes, document consent, and enforce agreements. Messaging consent records are kept for as long as consent is relied on and for a reasonable period afterward. When information is no longer needed, we delete or de-identify it under our internal practices.

A10. Security. We use administrative, technical, and physical safeguards appropriate to the sensitivity of the information, such as access controls, encrypted connections, and limiting access to personnel who need it. No system is completely secure.

A11. Security Incidents. If a security incident affects your personal information, we will investigate and notify affected individuals and regulators as required by applicable law, including New York's SHIELD Act, without unreasonable delay.

A12. Financial and Client Information. Information you provide in connection with an engagement is treated as confidential. We use it only to perform the engagement and for the purposes in this Policy, and we do not sell it. Where federal or state financial-privacy laws require a separate privacy notice, we will provide it.

A13. Your Choices and Rights

• Text messages: reply STOP at any time.
• Access, correction, deletion: email mail@sevcos.com or call (212) 434-0950. We may verify your identity first and may decline or limit requests where we must retain information by law or professional obligation, or where an exception applies.
• State rights: depending on your state (for example, California and certain other states), you may have rights to know, access, correct, delete, or opt out of certain processing. Many of these laws exempt information we hold subject to financial-privacy laws; we honor them where they apply. We do not sell or share personal information for targeted advertising and will not retaliate against you for exercising your rights.
• Appeals: if we deny a request, reply to our response to ask us to reconsider.
• Authorized agents: you may use an authorized agent; we may require proof of authority.

A14. Notice at Collection. At or before we collect personal information, the categories, purposes, and retention described in A3, A4, and A9 apply. We do not sell or share personal information as those terms are defined under state privacy laws.

A15. Third-Party Links and Services. The Site may link to other sites or services. We do not control them and are not responsible for their content or practices. Review their policies.

A16. Children. The Site and Services are not directed to children under 13, and we do not knowingly collect their information. If you believe a child gave us information, contact us and we will delete it.

A17. International Visitors. The Site and Services are directed to the United States. If you access them from elsewhere, your information will be processed in the United States.

A18. Changes to This Policy. We may update this Policy. The effective date shows the latest revision. We will post material changes on the Site and, where required, notify you.

A19. Contact. Sevcos LLC · 270 Freeman Street, Brooklyn, NY 11222 · Mailing: P.O. Box 21041, Brooklyn, NY 11202 · mail@sevcos.com · (212) 434-0950

Terms of Use

Sevcos LLC · Effective date: November 6, 2026

This document contains our Terms of Use, our SMS Terms & Conditions, and our Accessibility Statement.

Part 1. Terms of Use

1. Acceptance. By accessing sevcos.com (the "Site") you agree to these Terms. If you do not agree, do not use the Site.
2. Information only. The Site provides general information. It is not accounting, tax, or legal advice, and you should not rely on it as such. Using the Site or contacting us does not create a client relationship.
3. Services. Sevcos LLC provides financial administration services, including accounting, regulatory compliance, insurance management, and financial process design. Services are provided only under a separate written engagement, which controls the scope, fees, and terms of the services.
4. Eligibility. You must be at least 18 and able to form a binding contract to use the Site.
5. Acceptable use. You agree not to interfere with or disrupt the Site; attempt unauthorized access to it or our systems; use bots or scrapers or overload it; transmit malware; impersonate others; or use it for unlawful, fraudulent, or misleading purposes.
6. Intellectual property. The Site's content, text, design, name, "SEVCOS," and "A numbers company" are owned by or licensed to Sevcos LLC and protected by law. You may view the Site for personal, non-commercial use. No other use without written permission.
7. Communications. If you give us contact details, you agree we may contact you about your inquiry. Text messaging is governed by the SMS Terms & Conditions below. Our handling of personal information is described in our Privacy Policy.
8. Third-party links. We are not responsible for linked third-party sites.
9. Disclaimer of warranties. The Site is provided "as is" and "as available," without warranties of any kind, express or implied, including accuracy, availability, merchantability, fitness for a particular purpose, and non-infringement.
10. Limitation of liability. To the fullest extent permitted by law, Sevcos LLC and its members, employees, and agents are not liable for indirect, incidental, special, consequential, or punitive damages, or for loss arising from use of the Site.
11. Indemnification. You agree to indemnify Sevcos LLC against claims arising from your misuse of the Site or breach of these Terms.
12. Governing law and venue. New York law governs these Terms. Disputes go to the state or federal courts located in Kings County, New York.
13. Changes and termination. We may modify the Site or these Terms at any time and may restrict access at our discretion.

Part 2. SMS Terms & Conditions

B1. Program description. By texting our business number, you consent to receive SMS replies from Sevcos LLC regarding account notifications, document requests, appointment reminders, and payment reminders. Messages are sent to existing clients only, in reply to messages they send us. We do not send marketing or promotional messages.

B2. Eligibility. You must be an existing client, or an authorized representative of one, and be the account holder or authorized user of the mobile number you provide.

B3. How you opt in. You opt in by texting our business number, which we share with clients directly. We reply only within that conversation and do not text anyone who has not contacted us first. Consent is not a condition of purchasing any service. Messages may be sent using an automated system.

B4. Message frequency. Message frequency may vary.

B5. Message and data rates. Standard message and data rates may apply. Contact your carrier about your plan.

B6. Opting out. You may opt out at any time by replying STOP to any message. After opting out, you will receive a confirmation message, and we will stop sending SMS messages to your number. To resume, contact us.

B7. Help and support. For assistance, reply HELP to any message or contact us at mail@sevcos.com or (212) 434-0950.

B8. Changing or losing your number. If you change or deactivate your mobile number, tell us so we can update our records and stop messages to the old number. Reassigned numbers may receive messages meant for someone else; if you receive a message not meant for you, reply STOP and let us know.

B9. Supported carriers and delivery. Messages are supported on major U.S. carriers. Carriers are not liable for delayed or undelivered messages. Delivery is not guaranteed.

B10. Security and sensitive information. Text messaging is not secure. Do not reply with Social Security numbers, bank details, passwords, or tax documents. We will never ask for your password by text.

B11. SMS privacy. Your phone number will be handled in accordance with our Privacy Policy. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. The categories above exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

B12. Changes and contact. We may update these terms by posting a new version. Questions: mail@sevcos.com · (212) 434-0950 · 270 Freeman Street, Brooklyn, NY 11222.

Part 3. Accessibility Statement

Sevcos LLC is committed to making sevcos.com usable by everyone, including people with disabilities, and aims to meet WCAG 2.1 Level AA. If you have difficulty using the Site, email mail@sevcos.com or call (212) 434-0950 and we will provide the information in an alternative format.

Part 4. General Provisions

• Severability. If a provision is unenforceable, the rest remains in effect.
• Entire agreement. The Privacy Policy and these Terms (including the SMS Terms & Conditions) are the entire agreement regarding the Site, and they do not replace any signed engagement agreement.
• No waiver. Failing to enforce a provision is not a waiver of it.
• Force majeure. We are not liable for delays or failures caused by events beyond our reasonable control.
• Assignment. We may assign these documents in a business transfer; you may not assign yours without our consent.
• Notices. We may give notice by posting on the Site or by email. Notices to us go to mail@sevcos.com or our mailing address: P.O. Box 21041, Brooklyn, NY 11202.
• Headings. Headings are for convenience only.