Effective Date: July 1, 2026
This Privacy Policy explains how Kamila Kowalska ("Kamila," "I," "we," "us," or "our") collects, uses, and protects information you provide through costsegregation.luxurywithlily.com (the "Site"). By using the Site or submitting a request through our forms, you agree to the practices described in this Privacy Policy.
When you request a Free Savings Review or otherwise contact us through the Site, we collect the information you voluntarily provide, which currently includes:
If, in a follow-up conversation, you choose to share property or financial details with us directly (by phone, email, or with CSSI Services), that information is used solely to evaluate and prepare your potential cost segregation study and is handled under this Privacy Policy and CSSI Services' own privacy practices.
We also automatically collect limited technical information when you visit the Site, such as IP address, browser type, device type, and pages viewed, through cookies and similar tracking technologies used by our website and forms platform, GoHighLevel/LeadConnector. See Section 5 below.
By submitting your information through our form, you expressly consent to be contacted by Kamila Kowalska (and, where applicable, CSSI Services) by phone, text message (SMS), and email at the number and address you provide, including through automated technology, for purposes related to your request.
We do not sell your personal information. We share information only as follows:
The Site may use cookies and similar technologies (through our website/forms platform, GoHighLevel/LeadConnector) to operate core site functionality, remember your form progress, and understand how visitors use the Site. You can control cookies through your browser settings; disabling cookies may affect Site functionality, including form submission.
We retain your information for as long as necessary to respond to your request, maintain business records, comply with legal obligations, and pursue our legitimate business interests, after which it is deleted or de-identified.
We use reasonable administrative, technical, and physical safeguards designed to protect your information. No method of transmission or storage is 100% secure, and we cannot guarantee absolute security.
California Residents (CCPA/CPRA): If you are a California resident, you have the right to know what personal information we have collected, used, and disclosed about you; request deletion of your personal information; correct inaccurate personal information; opt out of the "sale" or "sharing" of personal information (we do not sell or share personal information for cross-context behavioral advertising); and not be discriminated against for exercising these rights.
Residents of Other States: If you live in a state with its own comprehensive privacy law (including, among others, Colorado, Connecticut, Virginia, Utah, Texas, and others), you may have similar rights to access, correct, delete, and obtain a copy of your personal information, and to appeal a decision regarding your request.
To exercise any of these rights, contact us at [email protected]. We will verify your request using the information available to us and respond within the time required by applicable law.
The Site is intended for adults seeking information about real estate tax strategies. We do not knowingly collect personal information from anyone under the age of 18, and if we learn we have done so, we will delete it promptly.
The Site may link to third-party websites, including CSSI Services (cssiservices.com). We are not responsible for the privacy practices of third-party sites, and we encourage you to review their privacy policies directly.
We may update this Privacy Policy from time to time. The "Effective Date" above reflects the most recent revision. Continued use of the Site after changes are posted constitutes acceptance of the updated policy.
Kamila Kowalska
Email: [email protected]
Phone: (305) 791-6025
Effective Date: July 1, 2026
Please read these Terms of Use ("Terms") carefully before using costsegregation.luxurywithlily.com (the "Site"), operated by Kamila Kowalska ("Kamila," "I," "we," "us," or "our"). By accessing or using the Site, submitting the form, or calling the number provided on the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.
The Site provides general information about cost segregation studies for Airbnb, short-term rental, and other real estate investors, and allows you to request a complimentary savings review. Kamila Kowalska is a licensed financial professional (Series 6 & 63) who works with CSSI Services, an independent engineering-based cost segregation firm, to help evaluate whether a cost segregation study may benefit your property.
The Site and any information provided through it, including illustrative examples, savings estimates, and case studies, are for general informational and educational purposes only and do not constitute tax, legal, accounting, or investment advice. Results vary by property, and no outcome is guaranteed. You should consult your own CPA, tax attorney, or qualified tax professional before making any decisions about depreciation, cost segregation, or your tax filings. Nothing on this Site creates an accountant-client, attorney-client, or advisory relationship between you and Kamila Kowalska.
Any dollar figures, percentages, savings ranges, or example studies shown on the Site (including any savings ranges, example properties, and savings tables) are illustrative only, based on stated assumptions (such as effective tax rate and reclassification percentage), and are not a guarantee, prediction, or promise of savings for your specific property. Your actual results depend on your property's characteristics, your tax situation, and applicable law.
You must be at least 18 years old to submit a request through the Site. By submitting the form, you represent that you are 18 or older, that the information you provide is accurate, and that you are the owner or an authorized representative of the property discussed.
When you submit the form on the Site, you are requesting that we contact you regarding a potential cost segregation study. By submitting your information, you consent to be contacted by phone, email, and text message (SMS) as described in our Privacy Policy, including through automated dialing or messaging technology. Consent to be contacted, including by text, is not required as a condition of receiving any service. Message and data rates may apply; message frequency varies; reply STOP to opt out of texts and HELP for help.
Kamila Kowalska works with CSSI Services to prepare estimates and, if you choose to proceed, to perform your cost segregation study. If you request a review, your information may be shared with CSSI Services for that purpose. Any engagement for an actual cost segregation study will be governed by a separate agreement between you and CSSI Services (and/or Kamila Kowalska), and these Terms do not themselves constitute an engagement for services.
All content on the Site, including text, graphics, logos, the Kamila Kowalska name and likeness, and the overall design, is owned by or licensed to Kamila Kowalska and is protected by copyright, trademark, and other intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from the Site's content without prior written permission.
You agree not to: (a) use the Site for any unlawful purpose; (b) submit false, misleading, or fraudulent information; (c) attempt to interfere with, disrupt, or gain unauthorized access to the Site or its underlying systems; or (d) use automated means (such as bots or scrapers) to access the Site without our permission.
The Site may contain links to third-party websites, including CSSI Services (cssiservices.com), and uses third-party platforms (including GoHighLevel/LeadConnector) to operate its forms and communications. We do not control and are not responsible for the content, accuracy, or practices of third-party websites or services.
THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE. WE DO NOT WARRANT THE ACCURACY, COMPLETENESS, OR RELIABILITY OF ANY CONTENT ON THE SITE, INCLUDING ANY SAVINGS ESTIMATES.
TO THE FULLEST EXTENT PERMITTED BY LAW, KAMILA KOWALSKA WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, TAX SAVINGS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF THE SITE OR RELIANCE ON ANY INFORMATION PROVIDED THROUGH IT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM YOUR USE OF THE SITE WILL NOT EXCEED ONE HUNDRED DOLLARS ($100).
You agree to indemnify and hold harmless Kamila Kowalska from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the Site, your violation of these Terms, or your submission of false or misleading information.
These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. You agree that any dispute arising from these Terms or your use of the Site will be brought exclusively in the state or federal courts located in Florida, and you consent to the personal jurisdiction of those courts.
We may update these Terms from time to time. The "Effective Date" above reflects the most recent revision. Continued use of the Site after changes are posted constitutes acceptance of the updated Terms.
If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect. These Terms, together with our Privacy Policy, constitute the entire agreement between you and Kamila Kowalska regarding use of the Site.
Kamila Kowalska
Email: [email protected]
Phone: (305) 791-6025