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PAB CPA
Get in Touch
  • Home
  • About
  • Bookkeeping/Accounting
  • Business Tax
  • Personal Tax
  • Secure Portal Access
  • Service Pricing
  • Contact Us
Get in Touch

Privacy Policy and Terms of Service

 

Panorama Accounting & Bookkeeping (“we,” “our,” “us”) values your trust. We handle all personal, financial, and sensitive information with the highest standards of confidentiality and data protection.


Information We Collect

Depending on your relationship with us, we may collect:

  • Identifying information: Name, address, contact details, government-issued IDs, Social Security Number.
     
  • Financial information: Bank account and payment details, payroll data, tax filings, investment and retirement account records, business financial statements.
     
  • Sensitive information: Limited health-related financial data when required for our services.
     
  • Website data: Device/browser type, IP address, and usage statistics via cookies or analytics.
     

We do not request or accept government IDs, SSNs, bank details, or health-related information through public website forms. Such data should only be shared through our secure channels.


How We Use Information

  • Deliver accounting, tax, payroll, and advisory services.
     
  • Respond to inquiries and manage client relationships.
     
  • Meet professional, ethical, and regulatory obligations.
     
  • Improve website performance and client communications.
     

We never sell or rent your information.


Safeguards and Confidentiality

We maintain administrative, technical, and physical safeguards appropriate to the sensitivity of the information we handle, including:

  • Encrypted communication and secure client portals.
     
  • Access controls and authentication.
     
  • Confidentiality agreements and staff training.
     
  • Ongoing monitoring and protection of stored and transmitted data.
     

Sensitive Information Handling

Sensitive data such as SSNs, government IDs, financial account details, or health-related information is only collected with your consent, for legitimate business purposes, and handled through secure, approved methods.


Your Rights

You may request access, correction, or deletion of your personal information in accordance with professional standards. We will honor applicable rights regarding sensitive or health-related information consistent with professional and legal standards.


Updates

We may update this Privacy Policy periodically. 

Site Content

Terms of Service

 

Terms of Service

Last Updated: 11/1/2025

Welcome to Panorama Accounting & Bookkeeping LLC (“Panorama,” “we,” “our,” or “us”). By accessing or using this website (the “Site”), you agree to be bound by these Terms of Service (the “Terms”). If you do not agree to these Terms, please do not use the Site.

These Terms apply only to your use of the public website. Any professional services you obtain from Panorama Accounting & Bookkeeping LLC (“Firm Services”) are governed by a separate written engagement letter signed by both parties.  If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.


1. No CPA–Client Relationship Created by Website

The information on this Site is for general informational purposes only and does not:

  • Create a CPA–client relationship, 
  • Constitute accounting, tax, legal, or professional advice, or 
  • Substitute for obtaining professional advice tailored to your situation.

Client engagements include an engagement letter describing the provided services.  if there is any conflict between website TOS and a signed engagement letter, the engagement letter shall govern.
 


2. Use of the Site

You agree not to:

  • Use the Site for unlawful purposes, 
  • Attempt to gain unauthorized access to any systems, 
  • Interfere with the Site’s operation, or 
  • Copy or scrape content without permission.
     

We may suspend or terminate access if you violate these Terms.


3. Ownership of Content

All content on the Site—including text, graphics, logos, images, videos, software, and design—is owned by Panorama or its licensors and protected under U.S. copyright and trademark laws.

You may not reproduce, distribute, modify, or create derivative works from our content without prior written permission.


4. Third-Party Links

The Site may contain links to third-party websites or services. These are provided for convenience only. We do not control or endorse third-party content and are not responsible for any damages arising from your use of third-party sites.


5. Privacy Policy

Your use of the Site is also governed by our Privacy Policy, which explains how we collect, use, store, and protect information. Please review Privacy Policy, available on this website. If you become a client, your information will also be protected under applicable federal and state privacy laws, including IRS Publication 4557 requirements for data security.


6. Not a Substitute for Professional Advice

Information on the Site may be general, incomplete, or not applicable to your circumstances. You should not rely on this Site as a basis for financial, tax, legal, business, or other decisions.

Always consult a qualified CPA or attorney before taking action.


IRS Circular 230 Disclosure: To ensure compliance with requirements imposed by the IRS, we inform you that any U.S. federal tax advice contained in this website is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing, or recommending to another party any transaction or matter addressed herein.

7. Disclaimer of Warranties

THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE AVAILABLE WITHOUT INTERRUPTION, SECURE, ACCURATE, OR ERROR-FREE.


8. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, PANORAMA AND ITS OWNERS, EMPLOYEES, AND AGENTS ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SITE. YOUR SOLE AND EXCLUSIVE REMEDY FOR ANY DISPUTE WITH US REGARDING THE SITE IS TO STOP USING THE SITE.


9. Indemnification

You agree to indemnify and hold harmless Panorama and its affiliates from and against any claims, damages, liabilities, losses, costs, or expenses arising from your use of the Site or your violation of these Terms.


10. Governing Law

To the extent permitted by applicable law, these Terms shall be governed by Florida law, without regard to conflict-of-law principles. Any legal action relating to these Terms shall be brought exclusively in the state or federal courts located in Florida.


11. Changes to the Terms

We may modify these Terms at any time. The “Last Updated” date at the top of this page reflects the most recent revision. Continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.


12. Contact Information

If you have questions about these Terms, please contact:

Panorama Accounting & Bookkeeping LLC
Phone: 407-401-8870
Website: pab-cpa.com

Copyright © 2025 Panorama Accounting & Bookkeeping LLC - All Rights Reserved.

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