About RBS - Raineri Business Solutions

RBS Biz Solutions

Privacy Policy & Terms of Service

Effective Date: January 1, 2026

www.rbsbizsolutions.com

PART I — PRIVACY POLICY

1. Introduction

RBS Biz Solutions (Raineri Business Solutions) ("we," "us," or "our") is committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website www.rbsbizsolutions.com, contact us, or use our services.

Please read this policy carefully. If you disagree with its terms, please discontinue use of our site.

2. Information We Collect

2.1 Personal Information You Provide

We may collect the following personal information when you contact us, fill out a form, or engage our services:

• Full name

• Email address

• Phone number (including mobile number for SMS communications)

• Mailing address

• Business name and EIN/Tax ID

• Financial and tax-related information necessary to provide accounting or tax services

• Payment information (processed securely through third-party payment processors)

• Any other information you voluntarily provide

2.2 Information Collected Automatically

When you visit our website, we may automatically collect:

• IP address and browser type

• Pages viewed and time spent on our site

• Referring URL and device information

• Cookies and similar tracking technologies (see Section 7)

3. How We Use Your Information

We use the information we collect for the following purposes:

• To provide, operate, and maintain our accounting, tax, payroll, bookkeeping, and business consulting services

• To communicate with you, including sending appointment reminders, service updates, and account notifications

• To send SMS/text messages for which you have provided consent (see SMS section below)

• To process payments and transactions

• To respond to inquiries, questions, or support requests

• To send periodic emails or newsletters (you may opt out at any time)

• To comply with applicable laws and regulations, including IRS and state tax authority requirements

• To improve our website and services

• To prevent fraud and ensure security

4. SMS / Text Message Communications

SMS Consent and Privacy Notice

By providing your mobile phone number and opting into SMS communications through a web form or other medium, you agree to receive text messages from RBS Biz Solutions. These messages may include:

• Appointment reminders and confirmations

• Account notifications and service updates

• Tax filing deadlines and important reminders

• Payroll and bookkeeping alerts

• Responses to your inquiries

• General business communications

SMS Consent Data: SMS consent and opt-in data are not shared with third parties or affiliates for their marketing purposes. Your mobile number and SMS consent will only be used to send you messages from RBS Biz Solutions as described in this policy.

4.1 SMS Terms

• Message frequency may vary.

• Message and data rates may apply. Check with your mobile carrier for details.

• To opt out of SMS messages at any time, reply STOP to any message.

• For help or assistance, reply HELP to any message or visit us at www.rbsbizsolutions.com.

4.2 How to Opt Out

You may opt out of SMS communications at any time by:

• Replying STOP to any text message you receive from us

• Contacting us directly at info@rbsbizsolutions.com

After opting out, you will receive a final confirmation message. No further messages will be sent unless you re-enroll.

5. Who We Share Your Information With

We do not sell your personal information. We may share information with the following categories of parties only as necessary to provide our services:

5.1 Service Providers

We may share your information with trusted third-party vendors who assist us in operating our business, such as:

• Tax software providers (e.g., for preparing federal and state returns)

• Payroll processing platforms

• Secure document storage and delivery services

• Payment processors

• Email and communication platforms

These service providers are contractually obligated to keep your information confidential and use it only for the services they provide to us.

5.2 Legal Requirements

We may disclose your information when required by law, such as to comply with a subpoena, court order, tax authority request, or other legal process.

5.3 Business Transfers

If RBS Biz Solutions is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. You will be notified via email and/or a prominent notice on our website.

5.4 SMS Consent — No Third-Party Sharing

SMS consent is not shared with third parties.

We will never sell, rent, or share your mobile phone number or your SMS opt-in consent with any third party or affiliate for marketing or other purposes.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations (including IRS record-keeping requirements), resolve disputes, and enforce our agreements. Tax and financial records may be retained for up to 7 years or longer as required by applicable law.

7. Cookies and Tracking Technologies

Our website may use cookies and similar technologies to enhance your browsing experience. You can control cookies through your browser settings. Note that disabling cookies may affect certain features of our website.

8. Data Security

We implement commercially reasonable technical and organizational security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

9. Children's Privacy

Our services are not directed to individuals under the age of 13. We do not knowingly collect personal information from children. If you believe we have inadvertently collected such information, please contact us immediately.

10. Your Rights and Choices

Depending on your location, you may have the following rights:

• Access: Request a copy of the personal information we hold about you

• Correction: Request correction of inaccurate information

• Deletion: Request deletion of your personal information, subject to legal retention requirements

• Opt-Out: Opt out of marketing emails or SMS communications at any time

To exercise these rights, please contact us at info@rbsbizsolutions.com

11. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by updating the effective date at the top of this policy and, where appropriate, by sending you a notification. Continued use of our website or services after any changes constitutes your acceptance of the updated policy.

13. Contact Us

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

RBS Biz Solutions (Raineri Business Solutions)

Website: www.rbsbizsolutions.com

Email: info@rbsbizsolutions.com

Phone: 617-500-0134

PART II — TERMS OF SERVICE

(Including SMS Terms of Service)

1. Acceptance of Terms

By accessing our website (www.rbsbizsolutions.com), using our services, or opting in to communications from RBS Biz Solutions (Raineri Business Solutions), you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree, please do not use our services.

2. Services Provided

RBS Biz Solutions provides the following professional services to individuals and small businesses:

• Tax preparation and filing (federal, state, and local)

• Bookkeeping and accounting

• Payroll processing and administration

• Business formation and registration

• Document preparation

• AI advisory and technology consulting services

Our services are provided for lawful business and personal tax purposes only. We reserve the right to decline any engagement at our discretion.

3. SMS Terms of Service

SMS Terms of Service

By opting into SMS from a web form or other medium, you are agreeing to receive SMS messages from RBS Biz Solutions (Raineri Business Solutions). These messages may include:

• Appointment reminders and scheduling confirmations

• Account notifications and service updates

• Tax deadlines and filing reminders

• Payroll alerts and processing notifications

• General business communications and responses to your inquiries

• Internal business communications (between staff and clients)

• Message frequency varies.

• Message and data rates may apply.

• To opt out at any time, text STOP to any message.

• For assistance, text HELP or visit our website at www.rbsbizsolutions.com.

4. Client Responsibilities

Clients agree to:

• Provide accurate, complete, and timely information necessary for us to perform services

• Notify us promptly of any changes to your information or circumstances

• Review all prepared documents before signing or submitting

• Pay fees as agreed upon in your service engagement

RBS Biz Solutions is not responsible for errors or penalties resulting from inaccurate or incomplete information provided by the client.

5. Fees and Payment

Service fees are communicated prior to engagement. Payment is due as outlined in your service agreement or invoice. We reserve the right to withhold completed work or documents until payment is received. Returned payments may be subject to additional fees.

1. 6. Confidentiality

We treat all client financial and personal information as strictly confidential. We will not disclose your information to third parties except as required by law, as necessary to provide our services (e.g., filing with the IRS or state agencies), or as otherwise authorized by you.

7. Disclaimer of Warranties

Our services are provided "as is" and "as available." While we strive to provide accurate and professional services, we make no warranties, express or implied, regarding the completeness, accuracy, or fitness for a particular purpose of our work product. Tax laws change frequently, and outcomes may vary.

8. Limitation of Liability

To the fullest extent permitted by law, RBS Biz Solutions shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our services. Our total liability shall not exceed the fees paid by you for the specific service giving rise to the claim.

9. Intellectual Property

All content on our website, including text, graphics, logos, and software, is the property of RBS Biz Solutions and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

10. Governing Law

These Terms of Service are governed by the laws of the State of Rhode Island, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts of Massachusetts.

11. Changes to These Terms

We reserve the right to update these Terms of Service at any time. Updated terms will be posted on our website with a new effective date. Continued use of our services after changes constitutes acceptance of the new terms.

12. Contact Information

For questions about these Terms of Service or our SMS program, please contact:

RBS Biz Solutions (Raineri Business Solutions)

Website: www.rbsbizsolutions.com

Email: info@rbsbizsolutions.com

Phone: 617-500-0134