Policies and Disclosures

Effective Date: August 1, 2025

Last Updated: August 2, 2025

At CPB Solutions, Inc.—provider of accounting, bookkeeping, tax strategy, and business consulting services nationwide—and through our Voice & Ledger™ brand for educational courses, AI training, and subscription programs, we value transparency and compliance.

This page contains our policies and disclosures covering cookies, email marketing, text messaging, payments and refunds, security, affiliate relationships, and more.

These policies are designed to protect our clients, students, and website visitors, while ensuring transparency in how we operate. Whether you are engaging us for fractional CFO services, real-time bookkeeping, or accessing AI business training, the following policies apply.

 

Cookie Policy

1. What Are Cookies?

Cookies are small text files placed on your device when you visit our website. They help the site function properly, improve your browsing experience, and collect information about how our site is used.

2. Types of Cookies We Use

  • Essential Cookies: Enable website security, forms, and basic navigation.
  • Performance & Analytics Cookies: Show how visitors use our site (e.g., traffic sources, page visits).
  • Functional Cookies: Remember your preferences to make your experience smoother.
  • Advertising & Affiliate Cookies: Track interactions with affiliate links and referrals, which may occur even if you don’t complete a purchase.

3. How We Use Cookies

  • Ensure the website functions correctly and securely.
  • Monitor site performance and improve services.
  • Enable bookings, online forms, and class registrations.
  • Support affiliate marketing and track referrals.

4. Your Choices and Managing Cookies

On your first visit, you’ll see a cookie banner where you can manage or reject non-essential cookies. You may also manage or disable cookies in your browser settings. Some features may not work if cookies are disabled.

California residents have the right to opt out of the “sale or sharing” of personal information as defined by the CPRA. We do not sell personal data, but third-party tracking tools may be considered “sharing” under California law.

5. Third-Party Cookies

Our website may link to or integrate with third-party platforms (e.g., Zoom, Calendly, Eventbrite, Amazon affiliates). These services may set their own cookies or tracking tools, which we do not control. We recommend reviewing their privacy and cookie policies.

6. Changes to This Policy

We may update this policy to reflect new tools or legal requirements.

 

Email Marketing Compliance Policy

CPB Solutions, Inc. (“Company,” “we,” “us,” or “our”), including services offered under the Voice & Ledger™ brand, is committed to sending email communications that comply with the CAN-SPAM Act, California privacy regulations, and other applicable laws.

1. Consent and Opt-In

  • Existing Clients: Current or past clients may receive service updates, newsletters, or special offers as part of our business relationship.
  • New Subscribers: Non-clients receive marketing emails only if they subscribe voluntarily via our site, registration forms, or approved channels.

All recipients may opt out anytime using the unsubscribe link in each email.

2. Clear Identification

Emails clearly state they are sent by CPB Solutions, Inc. and may include Voice & Ledger™ branding.

3. Unsubscribe and Opt-Out Rights

All marketing emails include a visible unsubscribe link. Requests are processed within 10 business days.

4. Contact Information in Emails

Our valid business address is included in every marketing email.

5. Third-Party Email Tools

We may use third-party providers to send emails securely and in compliance with laws.

6. California Privacy Rights

California residents may request access to or deletion of personal information used for email marketing.

7. Affiliate Marketing Emails

Some of our marketing emails may contain affiliate links through which we earn commissions or referral fees. If this occurs, these fees are paid to us at no additional cost to you, the consumer. Marketing emails will include the appropriate disclosures in compliance with FTC rules.

 

Payment & Refund Policy

1. Accepted Payment Methods

  • Credit and debit cards (Visa, MasterCard, AmEx, Discover)
  • ACH bank and wire transfers
  • Third-party payment processors (e.g., Eventbrite, Stripe, QB Payments, PayPal, CPACharge)

2. Invoiced Services

Professional services are billed via invoices (Net 15/30). Late fees may apply.

3. Educational Courses and Programs

Payment is due at registration. Access to content is only after payment is processed.

4. Refund Policy

  • Live Classes: Full refund if canceled 24+ hours in advance; otherwise credit/partial refund at discretion.
  • No-Shows: Not eligible for refund, may receive credit for a future class, at the discretion of CPB Solutions.
  • Digital Content: All sales final.

5. Chargebacks

Please contact us within 10 days before disputing with your bank.

 

Security Notice

1. Website Security

Our site uses SSL encryption, and access is restricted.

2. Data Storage

Sensitive tax/financial documents are only exchanged via encrypted portals.

3. Communications Security

We never request sensitive info via email or text.

4. Breach Response

In the event of a data breach, we will notify the affected parties as required by law.

 

Affiliate & Referral Disclosures

  • We may earn referral fees/commissions when recommending products or services.
  • Compensation never increases your cost.
  • We only recommend providers we trust and believe add value.
  • Resale transactions (e.g., discounted software/hardware) are billed directly, and not affiliate-based.

 

Contact Us

CPB Solutions, Inc.
4450 N Brawley Ave Suite 126C
Fresno, CA 93722
Phone: 559-492-7767
Email: info@cpbsolutions.com