Privacy Policy

Last Updated: January 2025

1. Introduction

Welcome to 1520Now ("we," "our," or "us"). We respect your privacy and are committed to protecting your personal data. This privacy policy explains how we collect, use, disclose, and safeguard your information when you use our Chrome extension and services.

This policy applies to information we collect through:

  • Our Chrome browser extension
  • Our website (1520now.com)
  • Our backend services and APIs
  • Email and other communications with you

2. Information We Collect

2.1 Information You Provide Directly

We collect information that you provide directly to us, including:

  • Account Information: Email address when you subscribe to our service
  • Payment Information: Billing details processed through Stripe (we do not store credit card numbers)
  • Communication Data: Information you provide when contacting our support team

2.2 Information Collected During Use

Free Trial Users:

  • Usage count (number of forms generated, stored locally in your browser)
  • No QuickBooks data is transmitted to our servers during the free trial
  • All data processing happens locally in your browser

Paid Subscribers:

  • QuickBooks loan data extracted from your browser (transmitted securely via HTTPS)
  • Usage statistics (number of forms generated, timestamps)
  • Form generation metadata (loan type, generation status)
  • Error logs (for troubleshooting and service improvement)

2.3 Automatically Collected Information

  • Browser Information: Browser type, version, and extensions
  • Device Information: Operating system, device type
  • Usage Data: Features used, time spent, error messages
  • Log Data: IP address, access times, API calls (stored temporarily for debugging)

2.4 Information We Do NOT Collect

We want to be clear about what we DON'T collect:

  • We do NOT store QuickBooks credentials or login information
  • We do NOT store generated PDF files after delivery
  • We do NOT track your browsing activity outside of QuickBooks Online
  • We do NOT share your QuickBooks data with third parties
  • We do NOT use your data for advertising or marketing purposes

3. How We Use Your Information

We use the information we collect for the following purposes:

3.1 Service Delivery

  • Generate SBA Form 1520 PDFs from QuickBooks data
  • Track usage limits (3 free forms, 50 forms per month for subscribers)
  • Validate subscription status and enforce usage limits
  • Deliver generated forms to you

3.2 Billing and Account Management

  • Process payments through Stripe
  • Send billing receipts and subscription notifications
  • Manage subscription cancellations and renewals

3.3 Service Improvement

  • Analyze usage patterns to improve features
  • Identify and fix bugs and errors
  • Monitor service performance and reliability

3.4 Communications

  • Respond to support requests
  • Send service announcements and updates
  • Notify you of changes to our terms or policies

4. Data Storage and Retention

4.1 Where We Store Data

  • Trial Users: Usage count stored locally in your browser (Chrome local storage)
  • Subscribers: Data processed in Google Cloud Platform (GCP) infrastructure in the United States
  • Payment Data: Stored by Stripe (our payment processor) - we never store credit card information

4.2 How Long We Keep Data

  • QuickBooks Data: Never stored - processed in-memory only during form generation
  • Generated PDFs: Deleted immediately after delivery (not stored on our servers)
  • Usage Logs: Retained for 90 days for debugging and analytics
  • Account Information: Retained while you have an active subscription, plus 30 days after cancellation
  • Billing Records: Retained for 7 years for tax and compliance purposes

5. Data Security

We implement appropriate technical and organizational measures to protect your data:

  • Encryption: All data transmitted between your browser and our servers uses HTTPS/TLS encryption
  • Access Controls: Limited employee access to production systems using role-based permissions
  • Infrastructure Security: Google Cloud Platform infrastructure with enterprise-grade security
  • Regular Audits: Security reviews and updates to address vulnerabilities

However, no method of transmission over the internet is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.

6. Third-Party Services

We use the following third-party services that may collect or process your data:

6.1 Stripe (Payment Processing)

  • Handles all payment processing and billing
  • Stores payment methods and billing information
  • Privacy Policy: https://stripe.com/privacy

6.2 Google Cloud Platform (Infrastructure)

6.3 Google Analytics (Optional - when enabled)

7. Cookies and Tracking Technologies

We use the following types of cookies:

7.1 Essential Cookies

  • Required for basic website functionality
  • Session management and authentication
  • Cannot be disabled without affecting service functionality

7.2 Analytics Cookies (Optional)

  • Help us understand website usage patterns
  • Google Analytics (if enabled)
  • You can opt out using browser settings or extensions like Google Analytics Opt-out

7.3 Chrome Extension Local Storage

  • Used to track free trial usage count (local to your browser)
  • Stores subscription status and license key
  • Not accessible by other websites

8. Your Privacy Rights

8.1 Rights Under GDPR (for EU Users)

If you are located in the European Economic Area (EEA), you have the following rights:

  • Right to Access: Request a copy of your personal data
  • Right to Rectification: Correct inaccurate or incomplete data
  • Right to Erasure: Request deletion of your data ("right to be forgotten")
  • Right to Restriction: Limit how we use your data
  • Right to Data Portability: Receive your data in a machine-readable format
  • Right to Object: Object to certain types of processing
  • Right to Withdraw Consent: Withdraw previously given consent

8.2 Rights Under CCPA (for California Users)

If you are a California resident, you have the following rights:

  • Right to Know: Request information about data collection and use
  • Right to Delete: Request deletion of your personal information
  • Right to Opt-Out: Opt-out of the "sale" of personal information (note: we do not sell your data)
  • Right to Non-Discrimination: Equal service regardless of privacy choices

8.3 How to Exercise Your Rights

To exercise any of these rights, contact us at:

We will respond to your request within 30 days. We may ask you to verify your identity before processing your request.

9. Data Sharing and Disclosure

We do NOT sell, rent, or trade your personal information. We may share your information only in the following limited circumstances:

9.1 Service Providers

  • Stripe (payment processing)
  • Google Cloud Platform (infrastructure)
  • Email service providers (for support communications)

These providers are contractually obligated to protect your data and use it only for the purposes we specify.

9.2 Legal Obligations

We may disclose your information if required by law or in response to:

  • Valid legal process (subpoena, court order)
  • Government or regulatory requests
  • Protection of our rights, property, or safety
  • Enforcement of our terms of service

9.3 Business Transfers

If we are involved in a merger, acquisition, or sale of assets, your information may be transferred. We will notify you before your data is transferred and becomes subject to a different privacy policy.

10. Children's Privacy

Our service is not intended for children under 18. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us at privacy@1520now.com. We will delete such information promptly.

11. International Data Transfers

Your information may be transferred to and processed in the United States, where our servers are located. By using our service, you consent to the transfer of your information to the United States.

For users in the EEA, we rely on appropriate safeguards such as:

  • Standard Contractual Clauses approved by the European Commission
  • Adequacy decisions for certain jurisdictions
  • Your explicit consent where applicable

12. Changes to This Privacy Policy

We may update this privacy policy from time to time. When we make changes, we will:

  • Update the "Last Updated" date at the top of this policy
  • Notify you via email if the changes are material
  • Display a notice on our website

Your continued use of our service after changes indicates acceptance of the updated policy.

13. Contact Information

If you have questions, concerns, or requests regarding this privacy policy or our data practices, please contact us:

Email: privacy@1520now.com

Support: support@1520now.com

Website: https://1520now.com

14. Chrome Web Store Specific Disclosures

As required by the Chrome Web Store Developer Program Policies:

14.1 Permissions Used

  • activeTab: Access QuickBooks Online loan register data when you click our button
  • storage: Store trial usage count and subscription status locally

14.2 Data Collection and Use

  • We collect QuickBooks loan data only when you explicitly click "Generate Form 1520"
  • Free trial users: Data is processed locally, never sent to our servers
  • Paid subscribers: Data is sent to our backend API via HTTPS to generate forms
  • We do not collect data from any websites other than QuickBooks Online

14.3 Single Purpose

Our extension has a single, clearly stated purpose: Generate SBA Form 1520 from QuickBooks Online loan data. We do not use the extension for any other purposes, including advertising, analytics on other sites, or data collection beyond what is necessary for form generation.

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