These Terms and Conditions (“Terms”) govern your use of the services provided by us. By engaging our services, you agree to be bound by these Terms. Please read them carefully as they outline your rights and obligations in using our services.

1. Services Provided

We offer a variety of services, including but not limited to:

• Critical Illness Insurance
• Dental Insurance
• Disability Insurance
• Group Vision insurance

All services are provided in accordance with applicable U.S. accounting standards and laws, including the Generally Accepted Accounting Principles (GAAP) and the Internal Revenue Code.

     2. Client Responsibilities

To ensure accurate and timely service, you agree to:

• Provide all relevant information and documentation in a timely and accurate manner.
• Maintain complete and accurate records, including invoices, receipts, payroll records, and bank statements.
• Respond promptly to our requests for additional information or clarification.

Failure to provide accurate information or delays in providing documentation may result in errors, delays in service, or additional fees.

     3. Payment Terms

Payment for services is due upon completion or as otherwise specified in the engagement agreement. We accept payment via check, credit/debit card, or electronic transfer. Failure to pay within the agreed timeframe may result in:

Suspension of Services: We reserve the right to suspend services until payment is received.

In the event of non-payment, we may also pursue legal action or employ debt collection agencies, and you will be responsible for any associated costs.

    4. Confidentiality

We take the confidentiality of your personal information seriously. All data you provide to us will be kept confidential and will only be shared with third parties when necessary for the performance of our services or as required by law. We comply with relevant U.S. privacy laws, including the Gramm-Leach-Bliley Act (GLBA), and follow professional ethical standards regarding client confidentiality.

    5. Data Privacy and Security

We are committed to protecting your personal and financial information. We use secure data storage systems and encryption technologies to safeguard your data. However, no method of transmission or storage is 100% secure. By using our services, you acknowledge and accept the risk of potential data breaches beyond our control.

For more information, please refer to our Privacy Policy.

    6. Limitation of Liability

While we strive to provide accurate and timely services, we cannot guarantee the outcome of any financial, tax, or accounting advice. You agree that we shall not be held liable for:

Tax Penalties: Any penalties, interest, or fees assessed by tax authorities due to errors or omissions based on incomplete or inaccurate information provided by you.

Investment Losses: Any financial or investment decisions made based on our advice are at your own risk. We do not provide investment advice or guarantee returns on investments.

Our total liability for any claim arising from our services shall not exceed the amount paid by you for the services rendered.

    7. Third-Party Service Providers

In some cases, we may use third-party service providers (e.g., for specialized tax software or auditing tools). While we take care in selecting reputable providers, we are not responsible for their actions or any data breaches that may occur as a result of their services. You may review the terms of any third-party providers before they are engaged.

    8.Termination of Services

Either party may terminate the engagement at any time by providing written notice. Upon termination, you will be responsible for paying any outstanding fees for services rendered up to the date of termination. We reserve the right to terminate services if you fail to comply with these Terms or if payment is not received.

    9. Amendments to Terms

We may modify these Terms from time to time. Any changes will be communicated to you in writing or via our website. Continued use of our services after such changes will constitute your acceptance of the updated Terms.

    10. Dispute Resolution

In the event of a dispute, both parties agree to attempt to resolve the issue through negotiation. If the dispute cannot be resolved, it will be governed by the laws of the state of [State], and you agree to submit to the exclusive jurisdiction of the courts in [City], [State].

    11. Indemnification

You agree to indemnify and hold [Accountant Name/Accounting Firm Name] and its employees, affiliates, and agents harmless from any claims, liabilities, or damages (including legal fees) arising from your failure to provide accurate or complete financial information or your breach of these Terms.

    12. Contact Information

If you have any questions or concerns regarding these Terms, please contact us.