OneCo was founded to give small business owners control over their time.
OneCo, Inc. (“OneCo,” “we,” “us,” or “our”) is committed to respecting the privacy and confidentiality of personal information.
Please read this Privacy Policy carefully. It describes how OneCo collects, uses, discloses, and otherwise processes your Personal Information when you visit, access, or use our Services (defined below).
From time to time, we may update this Privacy Policy as described in the Changes to this Privacy Policy section below.
Please also review our Terms of Service, which apply to your use of our Services.
If you have any questions or concerns, please contact us at privacy@oneco.com.
Future Changes to Privacy Policy
We may change or update this Privacy Policy from time to time. When we do, we will revise the “Last Updated and Effective Date” at the top of the Policy.
For any material or significant changes, we will notify you by email or through a notice within our Services.
We encourage you to review this Privacy Policy periodically to stay informed about how we protect and use your information.
oneco.com/privacy-policy
Privacy
Policy
What Do We Collect?
We collect personal information that you voluntarily provide to us when you register with OneCo, interact with our features, or communicate with us.
This may include your name, email address, phone number, profile details, and any content you choose to upload or submit on the platform.
We also automatically collect technical information such as device identifiers, IP address, browser type, usage data, and interactions with our app or website to ensure seamless performance, security, and personalization.
We are responsible for taking care of all the personal information we collect and you share with us. According to the General Data Protection Regulation (“GDPR”) of 27 April 2016 and other applicable personal data laws, we are the data “controller” for all personal information collected and processed through our App and Sites.
Table of Contents
1.
Scope of This Privacy Policy
2.
Personal Information We Collect & Use
3.
Use of Artificial Intelligence and Machine Learning
4.
How We Disclose Personal Information
5.
How Long We Retain Personal Information
6.
How We Protect Personal Information
7.
International Data Transfers
8.
Children’s Privacy
9.
Marketing, Advertising, and Analytics Preferences
10.
Changes to This Privacy Policy
11.
Contact Us
12.
Supplemental GLBA Privacy Notice
13.
Cookie Policy
Learn More Below
1. Scope of This Privacy Policy
Our Services
This Privacy Policy applies to Personal Information that OneCo collects, uses, discloses, and otherwise processes when you:
- Access or use our website at oneco.com or any subdomain or affiliated website operated by OneCo where this Privacy Policy is posted;
- Access or use OneCo products and services, such as business formation, accounting and bookkeeping, payroll support, administrative assistance, S Corp election, or tax preparation; or
- Communicate with us through any written, electronic, or oral means, including by email, in-app messaging, or phone, or through events and marketing communications.
For the purposes of this Privacy Policy, all of the above are collectively referred to as the “Services.”
This Privacy Policy does not apply to external websites or third-party platforms that OneCo does not own or control.
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Tax Preparation Information
As part of our Services, OneCo may collect Personal Information to prepare and file tax returns.
We will not use or disclose Personal Information collected for tax preparation for other purposes without your explicit consent, in accordance with applicable law.
Nonpublic Personal Information (NPI)
OneCo uses Nonpublic Personal Information (NPI) to provide financial-related services.
NPI refers to personally identifiable financial information collected in connection with a financial product or service. We handle NPI consistent with the Gramm-Leach-Bliley Act (GLBA), as described in our Supplemental GLBA Privacy Notice below.
We will not use or disclose Personal Information collected for tax preparation for other purposes without your explicit consent, in accordance with applicable law.
Information about Third Parties
In providing our Services, we may process Personal Information about individuals who are not our direct customers, including:
- Employees, contractors, or vendors of client businesses (e.g., through payroll or bookkeeping services);
- Family members or dependents related to clients (e.g., for tax preparation).
We process such data solely for the purpose of delivering contracted services and maintain the same security and confidentiality standards.
Out of Scope - External Websites
Our Services may include links to third-party websites, resources, or features (“External Websites”). These are not controlled by OneCo, and their privacy practices are governed by their own policies. We encourage you to review the privacy policy of any website you visit
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Why We Collect This Information
We collect personal information so we can provide you with secure, reliable, and personalized services. This includes helping you set up your account, process payments, manage your business records, and communicate important updates.
We only collect the information necessary to support your use of OneCo, and we never sell your data.
2. Personal Information We Collect & Use
“Personal Information” means information that identifies or could reasonably identify an individual. It includes, but is not limited to, the following categories:
- Contact information: name, email address, phone number, address
- Identity information: SSN, Tax ID, date of birth
- Financial information: bank account details, payment data, tax records, payroll details
- Professional information: employer, business entity, title, or role
- Technical and usage information: device type, browser, IP address, activity logs, cookies
How We Use Personal Information
We use this data to:
- Create and manage your OneCo account;
- Provide our Services (formation, bookkeeping, payroll, tax filing, etc.);
- Communicate about your account or service updates;
- Process payments and manage billing;
- Improve and develop new features; and
- Comply with applicable laws and regulations.
Sources of Personal Information
We collect Personal Information:
- Directly from you when you create an account or use our Services;
- From third-party integrations (e.g., Gusto, Stripe, Plaid, or other financial platforms you authorize);
- Automatically, via cookies and analytics tools when you visit our website.
3. Use of Artificial Intelligence and Machine Learning
Our Services
OneCo uses machine learning (ML) and limited artificial intelligence (AI) technologies to improve service delivery, personalization, and automation.
These tools help:
- Protect user data through anomaly detection and fraud prevention;
- Enhance the accuracy of document processing and bookkeeping;
- Optimize customer support experiences; and
- Improve operational efficiency.
We may use de-identified and aggregated data to train or test these models, ensuring no personally identifiable information is exposed.
Some third-party vendors (e.g., customer support or analytics platforms) may use AI-enabled tools under strict data processing agreements.
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Why We Use AI and ML
We only use AI and machine learning to support and enhance our services , never to replace your control or decision-making.
Our models are designed to improve accuracy, reduce manual workload, and detect potential risks, not to profile or make automated decisions about you without human oversight.
We also use only de-identified or aggregated data for training and testing, ensuring no personal information is directly exposed.
Your data remains yours, always.
When We Share Information
We only share your information when it’s necessary to deliver our services, comply with legal obligations, or protect the security of our systems. We do not sell your Personal Information.
Any third parties we work with must follow strict privacy and security standards, and they are only allowed to use your information for the specific purpose it was shared for.
4. How We Disclose Personal Information
We may share Personal Information with trusted third parties as follows:
(i) OneCo Partners
We work with third-party partners that integrate directly with our platform (e.g., Gusto for payroll).If you choose to use a partner’s product, you authorize OneCo to share your relevant Personal Information as needed to activate or manage that integration.
(ii) Vendors
We may share data with vendors that help us deliver the Services, including:
- Payment processors (e.g., Stripe)
- Hosting and IT infrastructure providers
- Customer support and CRM systems
- Legal, accounting, and audit professionals
- Security and fraud prevention tools
(iii) Legal and Compliance
We may disclose Personal Information when necessary to:
- Comply with applicable laws or legal processes;
- Protect OneCo’s rights or prevent fraud;
- Safeguard the safety of individuals or the security of our systems.
(iv) Business Transfers
In the event of a merger, acquisition, restructuring, or sale of assets, your Personal Information may be transferred to the successor entity, consistent with this Privacy Policy.
5. How Long We Retain Personal Information
We retain Personal Information only as long as necessary for business, legal, or compliance purposes. Retention periods vary depending on the type of information and applicable laws.
For example:
- Tax records: up to 7 years;
- Account information: retained until closure or as required by law;
- Payment data: stored by our payment processors, not OneCo directly.
Our Retention Commitment
We keep your information only for as long as it is needed to provide our services or to meet legal, tax, or regulatory requirements. Once information is no longer required, we securely delete or de-identify it in accordance with industry standards.
You remain in control, you may request deletion of your account information at any time, subject to these legal and operational obligations.
6. How We Protect Personal Information
We use administrative, technical, and physical safeguards to protect Personal Information, including encryption, access controls, and secure data centers.
While we take reasonable measures, no system is completely secure.By using our Services, you acknowledge that you provide data at your own risk.
7. International Data Transfers
Your data may be transferred to and processed in the United States and other jurisdictions where OneCo or its partners operate.
When transferring Personal Information internationally, we take steps to ensure adequate protection as required under applicable law.
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8. Children’s Privacy
Our Services are intended for users aged 18 and older.
We do not knowingly collect data from minors. If you believe a minor has provided us with Personal Information, contact us immediately at privacy@oneco.com.
9. Marketing, Advertising, and Analytics Preferences
(i) Marketing Communications
You may opt out of promotional emails by clicking “unsubscribe” or updating preferences in your OneCo account.
Transactional communications (e.g., invoices or security notices) cannot be unsubscribed.
(ii) Phone and SMS
By providing your phone number, you consent to receive service-related texts or calls.
Reply STOP to opt out of SMS communications.
(iii) Third-Party Advertising
We partner with networks like Google and Meta to show relevant ads and analyze traffic.
You can manage cookie and advertising preferences by visiting www.oneco.com/cookie-preferences.
(iv) Global Privacy Control
If your browser supports Global Privacy Control (GPC) signals, we will honor them to limit data used for targeted advertising.
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10. Changes to This Privacy Policy
We may update this Privacy Policy periodically.
When we do, we will revise the “Last Updated and Effective Date” and post the updated version at www.oneco.com/privacy.
If material changes occur, we will notify users as required by law.
11. Contact Us
If you have questions or concerns about this Privacy Policy, please contact:
OneCo, Inc.
3100 Ray Jr. Blvd. Fort Lauderdale, Davie, FL 33314, United States
Email: privacy@oneco.com
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12. Supplemental GLBA Privacy Notice
Last Updated and Effective Date: October 1, 2025
Scope
This notice applies to Personal Information collected in connection with OneCo’s financial services governed by the Gramm-Leach-Bliley Act (GLBA).
Information Sharing Practices
This notice applies to Personal Information collected in connection with OneCo’s financial services governed by the Gramm-Leach-Bliley Act (GLBA).
Purpose
Does OneCo Share?
Can You Limit This Sharing?
Everyday business purposes (account
management, compliance)
Yes
No
Marketing our own products or services
Yes
No
Joint marketing with partners
Yes
No
Affiliates’ business purposes
(transactions/
experiences)
Yes
No
Affiliates’ creditworthiness data
No
We don’t share
Affiliates marketing to you
No
We don’t share
Nonaffiliates marketing to you
No
We don’t share
We may share NPI with partners such as Gusto for payroll services and other vendors as described in this Privacy Policy.
We protect your NPI using appropriate administrative, technical, and physical safeguards.
13. Cookie Policy
Last Updated and Effective Date: October 1, 2025
This Cookie Policy explains how OneCo uses cookies and similar tracking technologies (“Cookies”).
(i) What Are Cookies?
Cookies are small data files placed on your device to enable functionality, security, analytics, and personalization.
Other tracking tools may include web beacons, pixels, and local storage.
(ii) Types of Cookies
- Essential Cookies: Required for core site functionality and cannot be disabled.
- Analytics Cookies: Help us understand site performance and usage.
- Personalization Cookies: Remember preferences and improve your experience.
- Advertising Cookies: Used by OneCo and partners to deliver relevant ads.
(iii) Managing Cookies
You can manage cookie preferences by visiting www.oneco.com/cookie-preferences or adjusting your browser settings. Blocking cookies may affect website functionality.
You can also opt out of targeted advertising through:
- DAA Consumer Choice Tool
- NAI Opt-Out Tool
- Global Privacy Control
(iv) Updates
We may revise this Cookie Policy periodically. Updates will be posted on our website with a new “Last Updated” date.
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