Privacy Policy

This policy explains what information Navo, Inc. (“Navo,” “we” or “us”) collects when you use navo.ai, the Navo filing app, or Navo through an AI assistant, and how we use, share and protect it. Your tax return information is protected by federal law, and this policy is written to follow it.

The short version: we use your tax information to prepare and file your return. We don’t sell it. We don’t use it to train AI models. We don’t use it for advertising. We share it with an AI assistant only if you sign a consent that says so, and you can withdraw it at any time.

1. Who we are

Navo helps you prepare your federal income tax return and your Ohio income tax return and e-file them. Navo is an Authorized IRS e-file Provider. We prepare and transmit your return ourselves; no other company prepares or transmits it for us. Navo is a private company and isn’t affiliated with or endorsed by the IRS or the Ohio Department of Taxation.

2. Information we collect

Account and sign-in information. Your email address and, if you add one, your mobile phone number. We use them to sign you in, to send you codes that confirm it’s you, and to tell you about your return. Every account must use a second sign-in step.

Tax return information. Everything you enter to prepare your return, for you and for anyone on your return such as a spouse or dependents. This includes names, dates of birth, Social Security numbers or ITINs, addresses, filing status, income, deductions and credits, health coverage, your school district and city for Ohio, and the bank account and routing numbers you give us for a refund or a payment. To sign your return you also give us your prior-year adjusted gross income or prior-year signing PIN, a signing PIN, and an IP PIN if the IRS issued you one.

Documents you upload. If you choose to upload a Form W-2 instead of typing it, we receive the image or PDF and the values read from it. You review and confirm every value before it goes on your return.

Information the IRS requires us to send with your return. When you e-file, the IRS requires us to send information about the device and internet connection you used:

• Your IP address (the internet address your device connects from) and its port number, when you start your return and again when you file it.
• A device ID. This is a code created in your browser by a program the IRS provides. The program turns characteristics of your browser and device, such as screen size, fonts, graphics, language and time zone, into a scrambled code. The code doesn’t contain those characteristics and can’t be turned back into them.
• Details about your browser and device: the browser type and version, language, operating system and time zone, and the date and time of each of those two steps.
• The time you spend preparing your return: the total time from when you start your return to when you file it, and how much of that time you were actively working on it.

We send this information to the IRS with your return. The IRS uses it to help detect fraud and identity theft. We store it encrypted and use it only to file your return and to detect and prevent fraud and identity theft on Navo.

Information from an AI assistant. If you connect an AI assistant to Navo, we receive the answers the assistant enters for you, the same as if you had typed them. See section 5.

Messages to support. What you send us when you email support@navo.ai.

How you use the Navo app. We record which steps of the app you reach, such as the screens and sections you open, the messages we show you, and whether your return was accepted. We never record what you enter on those screens. If you answer an optional question, such as how you heard about Navo, we keep your answer.

Website information. On navo.ai we collect the email address you give us to hear when filing opens, which sign-up form you used, and how you found us (the ad or link that brought you to navo.ai, such as campaign tags and ad click IDs). We also collect basic usage information such as pages viewed, browser type and an approximate location based on your IP address. See section 9.

3. How we use your information

Federal law (section 7216 of the Internal Revenue Code and its regulations) limits how a tax preparer may use and share your tax return information. We use it only:

• to prepare your return, check it, and file it with the IRS and with Ohio;
• to show you your return’s status, and email you when it’s accepted or rejected;
• to email you about your account, such as a welcome when you sign up, a notice when someone signs in from a new device or your phone number changes, and a confirmation when you delete your account;
• to remind you to finish the return you started with Navo, and to remind you of filing deadlines (you can turn these reminders off at any time);
• to ask you, after your return is accepted, how filing with Navo went and whether you’d like to leave a review (you can turn these emails off at any time);
• to help you when you ask our support team;
• to keep your account secure and to detect and prevent fraud and identity theft;
• to understand, in aggregate, how people use Navo so we can improve it. We look at which steps people reach, never at what they enter, and this stays inside Navo;
• to test, maintain and fix our software, as the law allows; and
• for any other purpose the law allows or requires, or that you consent to in writing.

Navo’s tax engine does the math. Your tax, refund or amount owed is calculated by Navo’s tax engine, which follows the tax rules written into it. It is not calculated by an AI model.

We don’t train AI on your information. We don’t use your tax return information, your documents or your account information to train or improve AI models, and we don’t allow our service providers to do so.

We don’t sell your information or use it for advertising. We don’t sell or rent your information, and we don’t use your tax return information to market products to you. If we ever want to use it for anything other than preparing and filing your return, we will ask for your separate written consent first, and saying no will never stop you from filing with Navo.

4. Who we share your information with

Tax agencies. We send your return to the IRS and, if you file one, your Ohio return to the Ohio Department of Taxation. We also send them what the law requires, such as the device and connection information in section 2.

Service providers that work for us. We use a small number of companies to run Navo. They may use your information only to provide their service to us, under contracts that require them to protect it. They are:

• a sign-in provider, which stores your email address and phone number and sends your sign-in codes by email or text message. It uses its own subprocessors;
• a cloud hosting provider, which hosts the Navo app and stores your account and return, encrypted;
• an email delivery provider, which receives your email address and the emails we send you, and tells us whether each email was delivered and whether a link in it was clicked. It doesn’t receive your tax return;
• a document-reading provider, which reads the Form W-2 you upload, if you choose to upload one, and returns the values to us;
• a website host, which hosts navo.ai and stores the email addresses people give us there;
• a business email provider, which hosts our email, including the messages you send to our support team;
• an AI provider, which helps our team read and draft replies to support messages. It may use them only to provide that service to us, and doesn’t train its models on them; and
• analytics and advertising companies, which measure how people use navo.ai and how our ads perform. They work only on navo.ai’s public pages and don’t receive your tax return information (see section 9).

We may change these providers from time to time. A new provider does the same job under the same limits. To get the current list, email support@navo.ai.

An AI assistant, only with your consent. See section 5.

When the law requires it. We may disclose information when required by law, such as in response to a court order or a lawful request from a government agency, and only as section 7216 and its regulations permit.

We don’t share your tax return information with anyone else.

5. Using Navo through an AI assistant

You can choose to work on your Navo return through an AI assistant, such as an AI chat assistant you already use. Before Navo shares anything with an assistant, you sign a consent form in Navo that names the assistant and says what Navo will share. Signing it is never required to file with Navo, and you can still file without it.

What Navo shares: the questions in your Navo interview, the answers you or your assistant have entered, the amounts Navo calculates from them (such as income, deductions, credits, tax, refund or amount owed), and the status of your submitted return.

What Navo never shares with an assistant: your Social Security number or ITIN, anyone’s date of birth, bank account or routing numbers, your IP PIN, your signing PIN, or last year’s AGI. You sign and file your return in Navo, not in the assistant.

How long it lasts: your consent lasts until you disconnect the assistant in Navo, or one year from the date you sign, whichever comes first. Disconnecting stops Navo from sharing anything further.

After it’s shared: information Navo has shared with the assistant is handled under the assistant’s own terms and privacy policy, not Navo’s. Federal law may not protect it from further use or distribution.

6. Your consents under federal law

Any consent Navo asks you for under section 7216 is optional. Navo will prepare and file your return whether you sign or not, and a consent obtained by making our service depend on it isn’t valid. Each consent says who receives your information, what is shared, and how long the consent lasts; if a consent doesn’t state a length, it lasts one year from the date you sign it. You can withdraw a consent at any time in Navo or by emailing support@navo.ai.

If you believe your tax return information has been disclosed or used improperly in a manner unauthorized by law or without your permission, you may contact the Treasury Inspector General for Tax Administration (TIGTA) by telephone at 1-800-366-4484, or by email at complaints@tigta.treas.gov.

7. How long we keep your information

• Uploaded documents: an upload that fails or that you discard is deleted right away. An uploaded W-2 and the values read from it are deleted after your return is accepted. If you never file, they are deleted after the extended filing deadline.
• Your account and return: we delete them within two years after you last use Navo, unless the law requires us to keep them longer.
• Filing records: we keep the records of what we sent to the IRS and Ohio, and their responses, for as long as IRS and Ohio rules require.
• Records of how you used the app: kept up to seven years. When your account is deleted, they are no longer linked to you.

You can ask us to delete your account sooner; see section 10.

8. How we protect your information

We maintain physical, electronic and procedural safeguards that comply with applicable law and federal standards.

• Your information is encrypted when it travels over the internet and when it is stored.
• Every account uses a second sign-in step, and so does every Navo team member with access to your data.
• Only the people who need your information to do their job can reach it, and access is logged.
• We follow the IRS security, privacy and business standards for online filing in IRS Publication 1345 and keep a written information security program under the FTC Safeguards Rule and a plan for responding to security incidents.

If your information is ever involved in a security incident, we will tell you and the authorities as the law requires.

9. Cookies and analytics

navo.ai’s public pages use cookies, browser storage and similar tools to keep the site working, to understand how people use it, and to measure our advertising. When you sign up for updates, our advertising tags tell the advertising companies that a sign-up happened so we can measure our ads.

When you arrive from an ad or a link, your browser stores the campaign tags and ad click IDs in the address (such as utm tags): the first ones you arrived with, and the most recent ones. If you sign up, we save them with your email address so we know which ads and links work. If you create a Navo account, we keep how you found us (these tags, or the AI assistant or website that sent you) with your account, so we know which links and ads lead to finished returns.

On the pages where you sign in and work on your return, we don’t use advertising tags, and no tax return information is ever sent to advertising or analytics companies.

Your choices: you can block or delete cookies and site data in your browser settings, which also clears the stored campaign tags. You can limit ad personalization in the ad settings of the companies whose ads you see. If your browser sends a Global Privacy Control signal, navo.ai doesn’t load our social media advertising tag.

10. Your choices and rights

• See and correct: you can see and change your return in Navo until you file it. After you file, a change needs an amended return.
• Get a copy: you can download a PDF of your filed return in Navo.
• Delete: email support@navo.ai to delete your account. We delete it except for records the law requires us to keep (section 7).
• Withdraw a consent or disconnect an assistant: in Navo at any time, or by emailing us.
• Emails: you can unsubscribe from reminder, news and review emails, or pause reminders for two weeks, with the link at the bottom of each one. We still send emails about your account and the status of your return.

Depending on where you live, you may have other rights under state privacy laws. Email support@navo.ai to use them. We won’t treat you differently for using your rights.

11. Children

Navo is for adults filing their own tax returns. We don’t knowingly let anyone under 18 open an account. You may enter a child’s information when you claim them on your return, and we protect it like the rest of your return.

12. Where your information is kept

We store and process your tax return information in the United States. We won’t send it outside the United States unless you ask us to.

13. Changes to this policy

If we change this policy, we will post the new version here with a new date. If a change affects how we use or share your tax return information, we will tell you before it takes effect, and we will ask for your consent where the law requires it.

14. Contact us

Email support@navo.ai. Our mailing address is Navo, Inc., 251 Little Falls Drive, Wilmington, Delaware 19808.