Privacy Policy

1. Information We Collect

We may collect personal and business information when you:

• Visit our website

• Fill out a contact form

• Schedule a consultation

• Subscribe to communications

• Engage our services

This information may include:

• Name

• Email address

• Phone number

• Business name

• Industry information

• Financial or operational details you voluntarily provide

We do not collect sensitive personal information unless you knowingly provide it for advisory or accounting purposes.

2. How We Use Your Information

We use the information collected to:

• Communicate with you

• Provide accounting and advisory services

• Schedule consultations or discovery sessions

• Improve our website and services

• Deliver insights, updates, or educational content

• Comply with legal or regulatory obligations

We do not sell, rent, or trade your personal information.

3. Information Sharing & Disclosure

We may share your information only when:

• Required to provide services you have requested

• Necessary to comply with legal obligations

• Working with trusted service providers who assist in operating our business (under confidentiality agreements)

We do not share your information for marketing purposes without your consent.

4. Data Security

We take reasonable administrative, technical, and physical measures to protect your information from unauthorized access, disclosure, or misuse. While no system can guarantee absolute security, we strive to safeguard your data using industry-standard practices.

5. Cookies & Website Analytics

Our website may use cookies or similar technologies to:

• Improve site functionality

• Analyze website traffic

• Enhance user experience

You may adjust your browser settings to refuse cookies, though some features of the website may not function properly.

6. 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 and encourage you to review their privacy policies separately.

7. Your Rights & Choices

You may:

• Request access to your personal information

• Request corrections or updates

• Request deletion of your information, subject to legal or contractual obligations

To make a request, please contact us using the information below.

8. No CPA or Legal Services Disclaimer

Cosme Business Solutions LLC provides accounting services and strategic financial advisory guidance. We are not certified public accountants (CPAs) or tax attorneys and do not provide tax filing, legal advice, or legal representation. Any information provided through this website is for general advisory and educational purposes only.

9. Updates to This Policy

We may update this Privacy Policy periodically. Any changes will be posted on this page with the updated effective date.

10. Contact Us

If you have questions about this Privacy Policy or how your information is handled, please contact:

Cosme Business Solutions LLC
Website: VirtualCBS.com
Email: reachus@virtualcbs.com
Phone: 865-344-6300