Effective date: February 19, 2018
Welcome to Credit Karma Tax!
Let us introduce ourselves — we are a wholly owned subsidiary of Credit Karma, Inc. ("Credit Karma").
We're here to provide you with tools and services that are designed to help you file your personal income taxes with the Internal Revenue Service ("IRS") and most state tax authorities. Before you get started, we'd like to tell you about what we do with information we may collect about you and your tax household (your spouse, domestic partner and dependents).
That said, you should know that we may post links to third-party web sites or applications, including integrated features operated by third parties. When you leave our Services or interact with a third-party feature, you should also read the applicable third party’s privacy policies and terms of service to make sure you understand how they might collect and share information about you.
To put it simply, there are three main ways we collect information about you: when you give it to us, with automatic technologies and when we ask others for it. Allow us to explain.
We may ask you to provide certain information to us through various forms, features or other means throughout our Services. This includes the information you provide when you fill out our tax return forms, such as income, wage, investment, and other financial information we need to help you prepare your taxes. We may also collect information about your tax household (your spouse, domestic partner and dependent), if applicable, when we collect your information. The types of information we may collect from you fit in two general categories:
When we combine information that isn’t Personal Information (like Non-Personal Information or Usage Information, which we explain below) with Personal Information, we treat it like Personal Information for as long as it is combined.
In addition to information you provide to us, we automatically collect certain information about how you access and interact with our Services ("Usage Information"). This Usage Information is a key part of how we improve your Credit Karma Tax experience and provide more personalized insights and recommendations. We and our business partners may use various technologies to collect and store Usage Information in connection with our Services. These may include things like cookies, browser web storage (e.g., HTML5), web beacons and similar technologies. There are three types of Usage Information we may collect:
We may collect information about you from third parties, including government agencies like the IRS and state tax authorities, for various operational purposes, including to provide our Services and to prevent fraud. For example, we may collect and use certain account registration information from Credit Karma, like your email address and password, to start your Credit Karma Tax profile, authenticate your identity, and help you access your account. We may also use information we collect from Credit Karma to help us optimize your experience on Credit Karma Tax.
We use the information we collect from you and third parties to operate our Services, communicate with you, help you file your tax returns, conduct research and development to improve or enhance our Services and our users’ experience, and promote our Services. These are a few examples:
First, we want to be clear that we do not sell or rent Personal Information about you or members of your tax household to unaffiliated third parties for their advertising or marketing lists or purposes.
Now that we've covered that, let us explain how we could share with third parties. We may share information (including Personal Information) about you or your tax household, with third parties only in the following circumstances:
You are responsible for maintaining the accuracy of the information you provide to us and our affiliates. You can access and make changes to certain Personal Information at any time by logging in to your Credit Karma account and updating your "My Profile" page.
Note that when you submit your tax return through Credit Karma Tax, it may be difficult and take extra time to correct information, which may result in a delay of your refund (if you are entitled to one), so please make sure your information is accurate when you enter it. It’s less of a headache for everyone that way!
You can manage your communications preferences for Credit Karma and its affiliates, including Credit Karma Tax, by visiting the Credit Karma communications preferences page. We’ll also include "unsubscribe" instructions in any marketing emails. Technology moves fast, so the types of communications and communication preference options might change from time to time.
We hope this never happens, but if you decide you no longer want to use our Services, you can cancel and deactivate your account on the Credit Karma help page.
If you are a former member, we may continue sharing information with our affiliated companies, such as Credit Karma, as described above.
One more thing to note: Due to our recordkeeping and information retention requirements, we do not delete information about you upon deactivation. We will, however, disable your account and stop sending you further communications. Furthermore, except to the extent necessary for legal or regulatory recordkeeping purposes, we anonymize the data in your online account two years after you deactivate your account. It may take a little more time for our automated backup systems to fully process the anonymized account, though.
We maintain physical, electronic, and procedural safeguards that comply with applicable law and federal standards. Our safeguards are reasonably designed to protect the confidentiality of Personal Information that we collect about you, including Social Security numbers, certain health coverage information, and other financial information (“Sensitive Personal Information”). We limit access to Sensitive Personal Information to help protect against their loss or misuse and we do not disclose Sensitive Personal Information to unaffiliated third parties except where such disclosure is required or permitted by law. We will only disclose your Sensitive Personal Information with your consent or as otherwise permitted by law.
If you have any questions about security on our Services, you can send an email to us at email@example.com.
Note that opting-out doesn't necessarily mean you won't see any advertisements—it just means that the advertising you see may be less interesting to you.
In addition to services from other Advertising Service Providers, we use the following Google Analytics Advertising Features as part of our marketing analytics and advertising: Remarketing with Google Analytics, Google Display Network Impression Reporting, DoubleClick Platform integrations and Google Analytics Demographics and Interest Reporting. We may also use other services provided by Google Analytics from time to time. Google provides users an opportunity to opt-out of the Google Analytics Features through Google's Ads Settings and their web browser opt-out plugin. For additional information on opting out of interest-based ads by Google, visit here.
At this time, we do not respond to automated signals regarding tracking mechanisms, including “do not track” instructions from your browser. Please note that blocking cookies may affect your browsing experience on many sites and may limit your ability to use certain features of our Services, including many of the personalized features we provide for our members.
Our Services are intended for use in the U.S. If you are located in the European Union or the United Kingdom, please be aware that information we collect (including cookies) will be processed and stored in the U.S., a jurisdiction in which the data protection and privacy laws may not offer the same level of protection as those in the country where you reside or are a citizen. By using our Services and providing information to us, you consent to the transfer to and processing of your Personal Information in the U.S.
As cute as kids are, our Services are not designed to collect Personal Information from children who are under 18 years of age. We do not intend to or knowingly collect such information from children.
Thanks for taking the time to read through all this. If you have questions regarding this policy, privacy practices, or how your information is handled at Credit Karma Tax, you can email us at firstname.lastname@example.org or write to us at: Credit Karma Tax, Inc. Attention: Legal Department, P.O. Box 520, San Francisco, CA 94104-0520. We always aim to get back to you within a reasonable time frame.
If you have an unresolved privacy or data use concern that we have not addressed satisfactorily, you may also contact a third party independent recourse mechanism (free of charge) at https://feedback-form.truste.com/watchdog/request