Privacy Policy

1. Introduction & Scope

InstaWorth Corporation ("InstaWorth," "we," "us," or "our") operates the InstaWorth platform, which connects business owners with certified public accountants (CPAs) for approximate business valuations and related financial opinions.

This Privacy Policy describes how we collect, use, store, and protect your information when you use our website, applications, and services (collectively, the "Services"). By using our Services, you agree to the practices described in this policy.

Important: All information, valuations, opinions, analyses, and advice provided through the Platform—whether written, verbal, via text, phone, video call, email, or any other medium—are entirely opinion-based and are not warranted or guaranteed in any way. The valuations received within the InstaWorth platform are not compliant with and are not accredited by the SEC, AICPA, AIB, FINRA, or any other regulatory or professional body. Information provided could be inaccurate and should not be relied upon for legal, financial, investment, tax, or regulatory purposes. See our Terms of Service for full disclaimers.

2. Information We Collect

Account and Profile Information

When you create an account or sign up as a business owner or CPA, we collect:

• Name, email address, company name, and phone number
• Password (stored in hashed form)
• If you sign in with Google or Apple: email and basic profile information provided by those services
• For CPAs: firm name, license number, state, years of experience, specializations, and certifications
• Two-factor authentication settings (including phone number if enabled)
• Notification preferences and profile visibility settings

Business and Financial Information

To provide valuation services, we collect business details you submit, including:

• Legal business name, industry, business type, and sector
• Financial data: revenue, SDE (seller's discretionary earnings), EBITDA, debt, inventory, equipment, and other assets
• Ownership information, location details, and property data
• Social and web presence (e.g., website, LinkedIn, Google Maps)

Documents

You may upload documents to support your valuation, such as bank statements, tax returns, P&L statements, leases, mortgages, and loan documents. We store these securely and may extract content to assist with analysis. Video call transcripts from CPA reviews are also stored as documents.

Payment Information

Payment processing is handled by Stripe. We do not store full credit card numbers. We receive transaction metadata (e.g., amount, status, invoice ID) necessary to complete your purchase and deliver your valuation report.

Video Calls and Transcripts

Video calls between you and your assigned CPA may be recorded and transcribed. Transcripts are included in your valuation report for transparency and audit purposes. By joining a video call, you consent to being recorded and transcribed.

Activity and Usage Data

We log activity related to your valuation, including review steps, valuation updates, video call start/end times, and document uploads. If you share your valuation via a link, we may record visit data (IP address, approximate location, timestamp, and duration) so you can see who has viewed your valuation.

Guest Invite Information

When you invite guests (e.g., partners, advisors) to view your valuation, we collect the guest's name, a PIN for access, and permissions you set (e.g., live chat, video call, reply to CPA questions).

Technical Information

We automatically collect device and browser information, IP address, and usage data (e.g., pages visited, features used) to operate and improve our Services.

3. How We Collect Information

We collect information when you:

• Create an account, complete your profile, or sign in via Google or Apple
• Submit business and financial details through our forms
• Upload documents to the secure vault
• Participate in video calls with your CPA
• Complete a payment (via Stripe)
• Share your valuation with others or accept a guest invite
• Contact support or interact with our Services

We also collect information automatically through cookies, session storage, and similar technologies (see Cookies and Tracking below).

4. How We Use Your Information

We use your information to:

• Provide valuation services, including AI-assisted analysis and CPA review
• Match you with a vetted CPA and facilitate the valuation process
• Generate and deliver valuation reports and dashboards
• Process payments and fulfill orders
• Send service-related communications (e.g., confirmations, updates, support)
• Improve our Services, security, and user experience
• Comply with legal obligations and enforce our terms

Business data may be processed by AI (including Anthropic Claude) for valuation analysis, industry insights, and comparable sales data. This processing supports the CPA's review and helps produce more accurate estimates.

5. Sharing and Disclosure

CPA Access. Your business information and documents are shared only with the CPA assigned to your valuation. CPAs are bound by confidentiality agreements and professional ethical standards.

Third-Party Services. We use trusted third parties to operate our Services. See Section 10 for details and links to their privacy policies.

Legal and Safety. We may disclose information if required by law, to protect our rights or safety, or in connection with a merger, acquisition, or sale of assets.

We do not sell your personal information.

6. Data Retention

We retain your information for as long as your account is active or as needed to provide the Services. Valuation reports, documents, and activity logs are retained to support your record-keeping, dispute resolution, and our legal obligations. You may request deletion of your account and associated data (see Your Rights and Choices); we will honor such requests subject to applicable law and our retention requirements.

7. Data Security

We implement security measures including:

• Encryption in transit (HTTPS) and at rest where applicable
• Secure authentication, including optional two-factor authentication
• Restricted access to data based on role and need
• PCI DSS-compliant payment processing via Stripe (we do not store full payment card details)
• Secure cloud storage (e.g., AWS S3) for documents

While we strive to protect your information, no method of transmission or storage is 100% secure. We cannot guarantee absolute security.

8. Your Rights and Choices

You can:

• Access and correct your account and profile information via your account settings
• Update notification preferences to control emails you receive
• Cancel your account via account settings; we will process deletion requests in accordance with our policies
• Contact us at support@instaworth.com for access, correction, or deletion requests

Depending on your location, you may have additional rights under applicable privacy laws (e.g., CCPA, GDPR). Contact us to exercise those rights.

9. Cookies and Tracking

We use cookies and similar technologies for:

• Session and authentication: To keep you logged in and secure your session
• Functionality: To remember preferences and support features like real-time updates
• Analytics: To understand how our Services are used and improve them

You can control cookies through your browser settings. Disabling certain cookies may limit some features.

10. Third-Party Services

We use the following third parties. Each has its own privacy policy governing its use of your data:

• Stripe – Payment processing. Stripe Privacy Policy
• Twilio Video – Live video calls between you and your CPA. Twilio Privacy Policy
• Anthropic (Claude) – AI-powered valuation analysis and industry insights. Anthropic Privacy Policy
• Amazon Web Services (S3) – Secure document storage. AWS Privacy
• Google – OAuth sign-in and optional Google Places data. Google Privacy Policy
• Apple – OAuth sign-in. Apple Privacy Policy

11. Children's Privacy

Our Services are not directed to individuals under 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us and we will take steps to delete it.

12. International Transfers

Our services are operated from the United States. If you access our Services from outside the U.S., your information may be transferred to, stored, and processed in the United States or other countries where our service providers operate. By using our Services, you consent to such transfers.

13. Nature of Information Provided

Any and all information provided through the Platform—whether written, verbal, via text message, phone call, video call, email, chat, reports, dashboards, or any other medium—is entirely opinion-based and is not warranted or guaranteed in any way. This includes, without limitation, all valuations, analyses, financial opinions, industry insights, comparable data, and any advice communicated by InstaWorth, its CPAs, its AI systems, or any other party through the Platform.

The valuations and information provided within the InstaWorth platform are completely non-compliant with the standards of the SEC, AICPA, AIB, FINRA, ASA, IBA, or any other regulatory, accrediting, or professional body. They are not certified, accredited, or endorsed by any organization.

All information provided could be completely inaccurate. InstaWorth is not held accountable or liable for any legal issues, business issues, financial losses, or any other damages arising from the use of this service. By using the Platform, you acknowledge and accept that you bear full responsibility for any decisions made based on information obtained through the Platform.

14. Changes to This Policy

We may update this Privacy Policy from time to time. We will post the updated policy on this page and update the "Last updated" date. Material changes may be communicated via email or a notice on our Services. Continued use of the Services after changes constitutes acceptance of the updated policy.

15. Contact Us

Questions about this Privacy Policy or our data practices? Contact us: