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>The application is specifically meant to track this information

So a privacy risk is the cost of doing business. Knowing about it upfront and consenting to the data collection doesn't negate that. If H&R block stores all of the data you give them forever, that's a privacy concern because they could be hacked or they could (depending on relevant laws) change their mind and decide to share or sell some of that data in the future.

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Ideally if they have that information and it's released (either via hacking or sold without consent) the company could be sued. Unfortunately that's not the case today.

You're arguing that anyone knowing anything is a privacy concern which is over the top in my eyes. You could never use a bank, file taxes, get a paycheck, hell you couldn't even ever get a job with it being a "risk" because your employer has a ton of info on you.

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