"Greg was very easy to work with. I had a complicated scenario that he was able to manage, with complete confidence. I would highly recommend using him."
"I've had a great experience working with Greg Monaco. He is incredibly detail-oriented and thorough, making sure everything is handled correctly and fully compliant. What really stood out to me is how…"
"Monaco CPA is excellent to work with! Greg is detail-oriented, knowledgeable, and prompt. He's been instrumental in helping me get my business off the ground with a strong financial foundation that includes…"
"If you need a CPA or accountant in Livingston or Essex County, I highly recommend Greg at Monaco CPA. My wife and I switched because my old accountant often didn't return my calls. Greg is different. He…"
"I've been working with Greg Monaco, CPA for a few years now, and he's honestly saved me real money with both personal tax help and crypto tax stuff. He answers quickly, breaks things down in a way that's…"
"I've been working with Gregory Monaco CPA LLC for my taxes, and I couldn't be happier with the experience. Extremely professional, thorough, and organized from start to finish. He takes the time to explain…"
Reviews reflect individual experiences and do not guarantee similar outcomes. Tax savings and other results depend on each person's facts and are not typical of all engagements. No reviewer was compensated for providing a review.
Last updated: July 2026
Gregory Monaco, CPA LLC d/b/a Monaco CPA ("we," "our," or "us") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at https://www.monacocpa.cpa or engage our services.
We may collect the following types of information:
Personal Information: Name, email address, phone number, mailing address, and other contact details you provide through our contact form, consultation scheduling, or client onboarding process.
Financial Information: Tax documents, financial statements, income information, and other financial data necessary to provide CPA services. Sensitive documents and identifiers are exchanged through our encrypted client portal (TaxDome) after engagement; brief financial context you volunteer in a contact or intake form is transmitted to us by email for triage only.
Website Usage Data: We may collect anonymous usage data including IP address, browser type, pages visited, and time spent on the site through standard analytics tools.
We use collected information to provide and improve our CPA services, respond to inquiries, communicate about engagements, comply with legal and regulatory obligations, send occasional service updates (with consent), and improve website functionality. We do not sell, rent, or trade your personal information to third parties for marketing purposes.
We implement appropriate technical and organizational measures to protect your personal and financial data. Client documents are exchanged through TaxDome, which uses 256-bit SSL encryption, two-factor authentication, and SOC 2 compliant hosting. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.
We use the following third-party services in connection with our practice. Each service has its own privacy policy governing their use of data.
Our website features automated chat assistants (SAM and HASH) that provide general tax and accounting information. These assistants use an on-server intent-matching engine. Your messages are processed entirely on our servers and are never sent to third-party AI services. Chat conversations are not stored long-term by Monaco CPA and are not linked to your identity unless you voluntarily provide personal information. We do not use chatbot conversations for marketing purposes. The chatbot includes PII detection designed to block messages containing sensitive data (such as Social Security numbers and financial account information) before the intent-matching engine generates a response. This reduces the risk that such data is processed, but you should still avoid entering sensitive personal or financial information in the chat.
Our website uses only Vercel Analytics and Speed Insights for first-party, cookieless page-view and Core Web Vitals telemetry, loaded only after you affirmatively grant analytics consent through our cookie banner. It sets no analytics or advertising cookies and shares no audience or remarketing data. We do not use Google Analytics, Google Tag Manager, Google Ads conversion measurement, or Microsoft Clarity, and we do not run third-party tracking for ad-targeting purposes. You may decline analytics without affecting site functionality, and you can control cookie settings through your browser preferences.
Separate from cookies, this site uses your browser's built-in localStorage and sessionStorage to remember preferences and interface state. These are first-party keys read only by this site; none are advertising or cross-site trackers.
On smaller screens, scroll horizontally to review every column.
| Key | Purpose | Category | Duration |
|---|---|---|---|
| monaco-cpa-cookie-consent | Remembers your cookie-consent choice | Essential (consent) | localStorage - until you clear browser data |
| theme | Remembers your light/dark theme preference | Preference (theme) | localStorage - until you clear browser data |
| 1099da_banner_dismissed | Hides the 1099-DA promo banner after you dismiss it | Preference (dismissal) | localStorage - auto-expires after the promo window |
| monaco-cpa-utm | Holds campaign attribution (UTM) values, attached only if you submit a form | Attribution (UTM) | sessionStorage - current tab session |
| combined-banner-dismissed | Hides the rotating top banner after you dismiss it | Preference (dismissal) | sessionStorage - current tab session |
| sticky-cta-dismissed | Hides the mobile sticky call-to-action after you dismiss it | Preference (dismissal) | sessionStorage - current tab session |
| 1099da_banner_variant | Records which 1099-DA banner variant you were shown | Functional | sessionStorage - current tab session |
| 1099da_review_visited | Notes whether you visited the 1099-DA review page | Functional | sessionStorage - current tab session |
| sam-acknowledged | Chat state: you dismissed the assistant introduction | Functional (chat state) | sessionStorage - current tab session |
| sam-lead-captured | Chat state: you already shared contact details in chat | Functional (chat state) | sessionStorage - current tab session |
| sam-proactive-fired | Chat state: the proactive chat prompt already fired | Functional (chat state) | sessionStorage - current tab session |
None of these identify you or leave your browser except the UTM values, which are attached to a form only when you submit one.
Firm policy is to retain client records for approximately seven years following the completion of services. IRC § 6107(b) and Treas. Reg. § 1.6107-1 require preparers to keep a copy or list of returns for at least three years; longer retention applies to certain document types and may be required under New Jersey state law. Non-client inquiries are retained for a reasonable period to respond to your request.
Federal law imposes strict limits on how a paid tax return preparer may use or disclose information obtained in connection with the preparation of a tax return. Under 26 U.S.C. § 7216and Treas. Reg. § 301.7216, we will not use or disclose your tax return information for any purpose other than preparing, assisting in preparing, or obtaining or providing services in connection with the preparation of your return, unless you provide separate, signed, written consent that meets the form and content requirements of Rev. Proc. 2013-14 (as updated).
“Tax return information” includes any information furnished to us, by you or on your behalf, in connection with the preparation of a return - including the return itself, supporting schedules, work papers, basis records, and any personally identifiable information collected during the engagement. We do not use tax return information for marketing, do not share it with affiliates or referral partners, and do not include it in any analytics or training data.
Companion civil penalties under 26 U.S.C. § 6713and criminal penalties under § 7216 apply to unauthorized use or disclosure. If we ever need your consent for a specific secondary use, we will provide a separate § 7216 consent form that names the recipient, the purpose, and the duration of the consent before any disclosure occurs.
Monaco CPA is a New Jersey business. Based on the firm's size and processing volumes, we may fall below the applicability thresholds of the New Jersey Data Privacy Act (N.J.S.A. 56:8-166.4 et seq., effective January 15, 2025) - the law generally covers controllers that process personal data of 100,000+ New Jersey consumers, or 25,000+ where revenue is derived from selling personal data. We nonetheless voluntarily extend the following NJDPA-style rights to all New Jersey residents:
Monaco CPA does not sell personal data, does not engage in targeted advertising, and does notuse automated profiling for consequential decisions. Tax return information is additionally protected under IRC § 7216 (see above) and is not subject to NJDPA data-subject deletion requests to the extent retention is required by federal tax law (IRC § 6107(b)).
To exercise NJDPA rights, contact us at taxhelp@MonacoCPA.CPA. We will respond within 45 days of receipt and may extend the response window once by an additional 45 days where reasonably necessary, as permitted by N.J.S.A. 56:8-166.7. You may appeal any decision by replying to our response email; if an appeal is denied, you may contact the New Jersey Division of Consumer Affairs.
You may request access to, correction of, or deletion of your personal information by contacting us. We will acknowledge your request within 10 business days and complete verified data deletion requests within 45 days of receipt, consistent with CCPA, VCDPA, and other applicable state privacy law requirements. Please note that certain information may need to be retained for legal, regulatory, or professional compliance purposes.
California Residents (CCPA/CPRA):Monaco CPA is a single-CPA practice that does not meet the CCPA/CPRA's applicability thresholds. We nevertheless voluntarily honor the following requests from any visitor, including California residents: access/know, correction, deletion, and opt-out of sale or sharing. Monaco CPA does not sell personal information and does not share it for cross-context behavioral advertising, does not use sensitive personal information beyond providing requested services, and will never discriminate against you for exercising these rights. You may designate an authorized agent by having the agent include your signed permission with the request. Contact us at taxhelp@MonacoCPA.CPA - we acknowledge within 10 business days.
Other State Privacy Rights:Residents of Colorado, Connecticut, Virginia, Utah, and other states with comprehensive privacy laws may have additional rights regarding their personal data. Contact us to exercise any applicable rights under your state's privacy law.
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children.
We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date.
If you have questions about this Privacy Policy or our data practices, please contact us at taxhelp@MonacoCPA.CPA or call (862) 320-9554.