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Plain-English summary
H&R Block cannot guarantee the security of your personal information (risk_flags-1) and you are responsible for maintaining your MyBlock® password confidentiality (risk_flags-2). Your information may be processed in countries with less stringent privacy laws (risk_flags-3). The company collects information from various sources (data_use-1) and may disclose it to acquiring companies (data_use-2), nonaffiliated third parties for everyday business (data_use-3), or without your consent for legal reasons (data_use-4). The referral program shares non-public and account information (data_use-5). The privacy notice may change, with prior versions governing past data unless consent is given (gotchas-1), and links to third-party sites are not covered by this notice (gotchas-2). Additionally, H&R Block does not recognize "Do Not Track" signals (gotchas-3).
88% confidence
Risks to You
Potential risks to you, including your data, privacy, safety, and money.
high90% confidence confidence
Security of your personal information is not guaranteed
H&R Block states that while they use reasonable efforts to protect your personal information, they cannot guarantee its security.
Why it matters: Your personal information may be at risk of unauthorized access, use, or disclosure, as the company cannot guarantee its security. If a breach occurs, they may notify you electronically, in writing, or by telephone if legally required and permitted.
While we use reasonable administrative, technical, and physical efforts to protect your personal information from unauthorized access, use, or disclosure, we cannot guarantee the security of your personal information. In the event that we are required by law to inform you of a breach to your personal information, we may notify you electronically, in writing, or by telephone, if permitted to do so by law.
How We Protect And Retain Information, paragraph 1 · Citation strength: strong
medium85% confidence confidence
User is responsible for maintaining MyBlock® password confidentiality
You are responsible for keeping your MyBlock® password confidential and for any access or use of your account by someone who has obtained your password, whether authorized or not.
Why it matters: You are personally responsible for the security of your MyBlock® account, and the company is not liable if someone gains unauthorized access to your account by obtaining your password.
You are responsible for maintaining the confidentiality of your **MyBlock®** password, and you are responsible for any access to or use of your account by someone else that has obtained your password, whether or not such access or use has been authorized by you.
How We Protect And Retain Information, paragraph 2 · Citation strength: strong
medium85% confidence confidence
Information may be processed in countries with less stringent privacy laws
Your information may be processed in a foreign country where privacy laws might be less strict than those in your own country.
Why it matters: Your personal information could be subject to different privacy protections and potentially greater risks if processed in countries with weaker privacy laws.
Subject to applicable laws, your information may be processed in a foreign country where privacy laws may be less stringent than the laws in your country.
Transmission Of Information To Other Countries, paragraph 1 · Citation strength: strong
Data Use & Sharing
How the company collects, uses, and shares your data.
medium90% confidence confidence
Company collects personal information directly, automatically, and from other sources
H&R Block collects information directly from you when you provide it, automatically through various technologies like cookies, and from other sources such as affiliates, business partners, service providers, and government entities.
Why it matters: H&R Block gathers your personal data from multiple channels, including your direct input and automated collection methods, which means your data from various interactions and third parties can be compiled.
* Automatically through the use of various technologies such as cookies, server logs, pixels or other similar technologies when you interact with our websites, online products and services, mobile applications, advertisements, and emails. * From other sources, including, for example, our affiliates, select business partners, service providers, online social media networks (e.g., post a message on one of our social media pages), government entities (e.g., the Internal Revenue Service or “IRS”), and other third parties (including credit reporting agencies), or from publicly available sources.
Information We Collect, paragraph 2 · Citation strength: strong
medium90% confidence confidence
Personal information may be disclosed to a acquiring company
If another company buys or plans to buy H&R Block, its business, or its assets, H&R Block will share your information with that company, even during the negotiation phase.
Why it matters: Your personal information may be transferred to another company if H&R Block is acquired, potentially changing how your data is handled.
**Persons Who Acquire Our Assets or Business.** If another company acquires, or plans to acquire, our company, business, or our assets, we will also disclose information with that company, including at the negotiation stage.
How We Disclose Information, paragraph 2 · Citation strength: strong
medium90% confidence confidence
Information may be shared with nonaffiliated third parties for everyday business purposes
H&R Block may disclose your information to other nonaffiliated third parties for their everyday business operations, which include processing transactions, maintaining accounts, reporting to credit bureaus, or responding to court orders or legal processes.
Why it matters: Your personal information may be shared with various third-party companies, impacting your privacy and potentially exposing you to their data handling practices.
**Nonaffiliated Third Parties.** We disclose information to other nonaffiliated third parties for our everyday business purposes, such as to process transactions, maintain account(s), report to credit bureaus, or respond to court orders or legal process.
How We Disclose Information, paragraph 2 · Citation strength: strong
medium85% confidence confidence
Personal information may be disclosed without your consent for certain reasons
H&R Block may disclose your information, including to nonaffiliated third parties, without your consent in response to subpoenas, warrants, court orders, legal processes, or to comply with laws. They may also share your information to establish their rights, defend against legal claims, investigate illegal activities, fraud, safety concerns, policy violations, for everyday business purposes, or to fulfill your request for services from a third-party intermediary.
Why it matters: Your personal information may be shared with various entities without your permission under specific legal or business circumstances, reducing your control over your data.
We may disclose information, including to nonaffiliated third parties, in response to subpoenas, warrants, or court orders, or in connection with any legal process, or to comply with relevant laws. We may also share your information in order to establish or exercise our rights, to defend against a legal claim, to investigate, prevent, or take action regarding possible illegal activities, suspected fraud, safety of person or property, or a violation of our policies, for our everyday business purposes (such as to process transactions or maintain accounts), or to comply with your request for the provision of products or services by a third-party intermediary.
How We Disclose Information, paragraph 2 · Citation strength: strong
medium85% confidence confidence
Referral program shares non-public and account information
If you participate in the 'Root & Reward Refer a Friend Referral Campaign', referring a friend means you release non-public information. Additionally, referred individuals who sign up using a referral link agree to share information with the referrer, including the fact that they opened a Spruce Account.
Why it matters: Participating in the referral program means your non-public information will be shared, and if you are referred, your referrer will know you opened an account, impacting your privacy.
Referrers acknowledge that by referring a friend through the Root & Reward Refer a Friend Referral Campaign, they are releasing non-public information, and referred people acknowledge that signing up for Spruce Accounts using a referral link will result in sharing information with the referrer, including knowledge the referred person opened Spruce Accounts.
Additional Information For California Residents, paragraph 5 · Citation strength: strong
Cancellation & Renewal
How you can cancel this service and how it may renew.
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Gotchas
Unexpected or subtle policy implications that might surprise you.
low85% confidence confidence
Privacy Notice may change, and previous versions govern prior data unless consent is given
H&R Block may change their Privacy Notice. If a change is material, the version of the Privacy Notice that was in effect when you submitted personal information will apply to that information, unless you consent to the new Privacy Notice.
Why it matters: Changes to privacy practices mean your past data is subject to the policies in place when you provided it, unless you agree to new terms, requiring you to stay informed about policy updates.
We may change our Notice and privacy practices over time. To the extent that our Notice changes in a material way, the privacy notice that was in place at the time that you submitted personal information to us will govern that information unless we receive your consent to the new privacy notice.
Changes To This Privacy Notice, paragraph 1 · Citation strength: strong
low90% confidence confidence
Links to third-party sites are not covered by this Privacy Notice
H&R Block may provide links to external websites and third-party content or services that they do not own or operate, and those third-party sites may have their own privacy notices or policies. This Notice does not apply to them.
Why it matters: When you click on links to other websites or services, they are not covered by H&R Block's privacy policy, meaning your privacy is subject to the policies of those third-party sites.
For your convenience, we may provide links to websites and other third-party content or services that we do not own or operate. The websites and third-party content to which we link may have separate privacy notices or policies. Please note that we have no direct control over the privacy practices, websites, or services that we do not own. We encourage you to review the privacy policies of any third-party website or application for details about such third party’s privacy practices.
H&R Block states that they do not currently honor "Do Not Track" signals from web browsers.
Why it matters: Your online tracking preferences, indicated by a "Do Not Track" signal, will not be recognized by this company, meaning your browsing activity may still be collected and used.
We do not currently recognize the “Do Not Track” signal.
Your Choices, paragraph 2 · Citation strength: strong
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