Terms of Service

Interpretation and Definitions

Interpretation

The words whose initial letters are capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purposes of these Terms and Conditions:

Acknowledgment

These are the Terms and Conditions governing the use of this Service and the agreement that operates between You and the Company. These Terms set out the rights and obligations of all users regarding the use of the Service.

Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, and others who access or use the Service.

By accessing or using the Service, You agree to be bound by these Terms. If You disagree with any part of these Terms, then You may not access the Service.

You represent that You are over the age of 18. The Company does not permit those under 18 to use the Service.

Your access to and use of the Service is also conditioned on Your acceptance of and compliance with the Company's Privacy Policy. Our Privacy Policy describes Our policies and procedures on the collection, use, and disclosure of Your personal information when You use the Website and tells You about Your privacy rights and how the law protects You. Please read Our Privacy Policy carefully before using Our Service.

Eligibility; U.S. Use Only

The Service is designed primarily for use by U.S. taxpayers and entities subject to U.S. tax law. By using the Service, You represent and warrant that:

• You are legally capable of entering into binding contracts; and
• You understand that any tax information provided is focused on U.S. tax concepts and may not be appropriate for non-U.S. tax regimes.

If You access the Service from outside the United States, You are solely responsible for compliance with any applicable local laws.

Banking, Accounting, and Third-Party Integrations (Including Plaid and QuickBooks)

Financial Account Connections via Plaid

To enable certain features, the Service uses Plaid to connect to Your Financial Accounts (including bank accounts and services such as QuickBooks).

By choosing to connect a Financial Account:

• You authorize Plaid to act on Your behalf to access and transmit Your Financial Account information from the relevant financial institution and/or accounting platform to Us.
• You acknowledge that Your Financial Account login credentials are provided directly to Plaid (or another authorized integration provider), not to the Company.
• The Company does not receive or store Your Financial Account login credentials. Instead, We receive secure access tokens and related financial data from Plaid or other Third-Party Integrations.

Your use of Plaid and any connected Financial Accounts is governed by the terms and privacy policies of Plaid, your financial institution, and any applicable accounting providers (including QuickBooks), and not by these Terms. The Company is not responsible for the acts, omissions, security practices, or availability of Plaid, financial institutions, or accounting providers.

Scope of Financial Data Access

When You connect a Financial Account, You authorize the Company to:

• Access, store, and process transaction-level information and other financial data transmitted through Plaid or other Third-Party Integrations; and
• Use that data solely to provide the Service to You, including generating AI-based tax-related insights, recommendations, and analytics, and to maintain and improve Service functionality.

The Company does not use Your Financial Account data to initiate payments, transfers, or other financial transactions on Your behalf.

User Data, Uploaded Documents, and Data Handling

Personal Information and Account Data

We collect and maintain certain personal information about You (such as name, contact details, and account-related information) to create and manage Your Account and provide the Service.

• We retain personal information about You for as long as Your Account remains active, except where a longer retention period is required or permitted by law (for example, for recordkeeping, fraud prevention, or legal defense).
• Additional details regarding the categories of data collected and retention periods are described in Our Privacy Policy.

Uploaded Tax Documents and Automated Processing

The Service may allow You to upload tax-related documents (for example, PDF forms, statements, or other tax records).

You acknowledge and agree that:

• Uploaded documents are processed via automated systems designed to extract and "break down" tax-relevant information, primarily numeric and structured data needed for tax-related analysis.
• During this process, the system is designed to mask, redact, or discard personal identifiers and other unnecessary sensitive information, retaining only the data reasonably necessary for the Service (for example, certain numbers relevant to tax calculations).
• Filtering and redaction begin as early as technically practicable in the processing pipeline, and original documents are destroyed or permanently deleted after this extraction and masking process is completed, subject to any legally required retention.
• After processing, We retain only the extracted and masked tax-relevant data that is needed to provide and maintain the Service, troubleshoot issues, comply with legal obligations, and enforce these Terms.

Although We implement technical and organizational measures to achieve the masking and destruction described above, no system is perfect, and We cannot guarantee that all personal identifiers will be removed in all circumstances.

Data Security

We use commercially reasonable physical, technical, and administrative safeguards designed to protect the information We process. However:

• No method of transmission over the Internet or method of electronic storage is 100% secure.
• We cannot and do not guarantee absolute security of Your data.

Your use of the Service is at Your own risk, including with respect to any data You choose to upload or connect.

For more information on Our data practices, please review Our Privacy Policy.

Payments, Subscriptions, and Free Trials

Payment Processing (Swipe or Other Processors)

All payments for the Service are processed by one or more third-party payment processors (such as Swipe or other similar providers) ("Payment Processor").

You acknowledge and agree that:

• Payment information (including full credit card numbers) is provided directly to the Payment Processor and not to the Company.
• The Company does not receive or store Your full payment card details.
• The processing of payments is governed by the Payment Processor's terms, conditions, and privacy policies, and not by these Terms.
• The Company is not responsible for any errors, delays, or security incidents arising from the Payment Processor.

You represent and warrant that You have the legal right to use any payment method You submit in connection with the Service.

Subscription Period

The Service, or certain parts of it, may be available only with a paid Subscription. You will be billed in advance on a recurring and periodic basis (such as monthly or annually), depending on the type of Subscription plan You select.

At the end of each subscription period, Your Subscription will automatically renew under the same conditions unless You cancel it or the Company cancels it.

Subscription Cancellations by You

You may cancel Your Subscription renewal:

• Through Your Account settings; or
• By contacting the Company at the contact email listed below.

Unless otherwise required by applicable law or expressly stated by the Company in a specific offer:

• Fees already paid for the then-current Subscription period are non-refundable; and
• You will retain access to the Service until the end of Your current Subscription period.

Billing

You shall provide accurate and complete billing information, including full name, address, state, ZIP code, telephone number, and a valid payment method.

If automatic billing fails for any reason, the Company may issue an electronic invoice requiring You to manually complete payment by a specified due date. The Company may suspend or terminate Your access to the Service for non-payment.

Fee Changes

The Company may modify Subscription fees at any time, in its sole discretion. Any fee changes will become effective at the end of the then-current Subscription period.

The Company will provide You with reasonable prior notice of any change in Subscription fees so that You may choose to terminate Your Subscription before the change becomes effective. Your continued use of the Service after the fee change becomes effective constitutes Your agreement to the modified fee amount.

Refunds

Except where required by law or expressly stated otherwise by the Company, paid Subscription fees are non-refundable.

Certain refund requests may be considered by the Company on a case-by-case basis and granted at the Company's sole discretion.

Free Trial

The Company may, at its sole discretion, offer a Subscription with a Free Trial for a limited period of time.

The Company may require You to enter billing information in order to sign up for the Free Trial. If You do so, You will not be charged until the Free Trial period expires. On the last day of the Free Trial period, unless You cancel Your Subscription, You will be automatically charged the applicable Subscription fees.

The Company reserves the right to:

• Modify the terms and conditions of any Free Trial; or
• Cancel a Free Trial offer at any time, in its sole discretion.

User Accounts

When You create an Account with Us, You must provide information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of these Terms and may result in immediate termination of Your Account.

You are responsible for safeguarding the password that You use to access the Service and for any activities or actions under Your password, whether the password is with Our Service or a Third-Party Social Media Service.

You agree not to disclose Your password to any third party and to notify Us immediately upon becoming aware of any breach of security or unauthorized use of Your Account.

You may not use as a username:

• The name of another person or entity that is not lawfully available for use;
• A name or trademark that is subject to any rights of another person or entity without appropriate authorization; or
• A name that is otherwise offensive, vulgar, or obscene.

Content

Your Content and License to Us

You may submit or upload Content to the Service, including financial or tax-related documents, data, and other materials.

You are responsible for the Content that You submit to the Service, including its legality, reliability, and appropriateness.

By submitting Content to the Service, You grant the Company a non-exclusive, worldwide, royalty-free, sublicensable license to use, reproduce, host, store, modify, process, and display such Content solely as reasonably necessary to:

• Operate, maintain, and provide the Service to You and other users;
• Develop, test, and improve the Service;
• Prevent or address technical, security, fraud, or abuse issues; and
• Comply with legal obligations and enforce these Terms.

You retain all ownership rights to Your Content, subject to the license granted above.

The Company does not claim ownership of Your tax returns or other tax documents as such; however, You acknowledge that the Company may retain and use derived, masked, or aggregated data consistent with these Terms and Our Privacy Policy.

Content Restrictions

You agree not to submit Content that:

• Is unlawful or promotes unlawful activity;
• Is defamatory, discriminatory, or mean-spirited, including commentary targeting a protected class;
• Constitutes spam, unauthorized advertising, chain letters, or gambling;
• Contains viruses, malware, or other code designed to disrupt or damage systems or obtain unauthorized access to data;
• Infringes any proprietary rights of any party, including copyright, trademark, trade secret, or rights of publicity;
• Impersonates any person or entity, including the Company or its employees; or
• Contains false or misleading information or features.

The Company reserves the right, but not the obligation, to determine whether any Content is appropriate and complies with these Terms, and may remove or restrict access to any Content in its sole discretion.

Content Backups

Although regular backups of Content may be performed, the Company does not guarantee that there will be no loss or corruption of data.

You are solely responsible for maintaining a complete and accurate copy of Your Content in a location independent of the Service. The Company has no liability for failure to back up or restore any Content.

Copyright Policy

Intellectual Property Infringement

We respect the intellectual property rights of others. It is Our policy to respond to any claim that Content posted on or transmitted through the Service infringes a copyright or other intellectual property right.

If You are a copyright owner or authorized agent and believe that Your copyrighted work has been used in a way that constitutes infringement, please send a notice of infringement to contact@taxhakr.com and include a detailed description of the alleged infringement.

You may be held liable for damages (including costs and attorneys' fees) for misrepresenting that any Content is infringing.

DMCA Notice and Procedure

If You believe that Your copyrighted work has been copied in a way that constitutes copyright infringement, You may submit a notification under the Digital Millennium Copyright Act (DMCA) by providing Our copyright agent with the information required under 17 U.S.C. § 512(c)(3), including:

• Your physical or electronic signature;
• Identification of the copyrighted work claimed to have been infringed;
• Identification of the material that is claimed to be infringing and information reasonably sufficient to permit Us to locate the material;
• Your contact information;
• A statement that You have a good-faith belief that the use is not authorized; and
• A statement under penalty of perjury that the information in the notification is accurate and that You are authorized to act on behalf of the copyright owner.

Our copyright agent can be reached at: contact@taxhakr.com

Intellectual Property

The Service and its original content (excluding Content provided by You or other users), features, and functionality are and will remain the exclusive property of the Company and its licensors.

The Service is protected by copyright, trademark, and other laws of the State of Wyoming, the United States, and foreign countries.

Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of the Company.

Links to Other Websites

Our Service may contain links to third-party websites or services that are not owned or controlled by the Company (including but not limited to Plaid, QuickBooks, Payment Processors, and other Third-Party Integrations).

The Company has no control over, and assumes no responsibility for:

• The content, privacy policies, or practices of any third-party websites or services; or
• Any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on such content, goods, or services.

We strongly advise You to read the terms and conditions and privacy policies of any third-party websites or services that You visit or use in connection with the Service.

Termination

We may terminate or suspend Your Account and access to the Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if You breach these Terms.

Upon termination, Your right to use the Service will cease immediately. If You wish to terminate Your Account, You may simply discontinue using the Service and, where applicable, request account closure through the Account interface or by contacting Us.

Certain provisions of these Terms (including but not limited to ownership provisions, warranty disclaimers, and limitations of liability) shall survive termination.

Limitation of Liability

"AS IS" and "AS AVAILABLE" Disclaimer

Governing Law and Jurisdiction

These Terms and Your use of the Service are governed by and construed in accordance with the laws of the State of Wyoming, United States, without regard to its conflict of laws principles.

Subject to any mandatory arbitration or other dispute resolution mechanism that may be agreed in a separate written agreement, You agree that:

• All disputes arising out of or in connection with these Terms or the Service shall be brought exclusively in the state or federal courts located in the State of Wyoming; and
• You hereby submit to the personal jurisdiction of such courts and waive any objection based on inconvenient forum, except where such waiver is prohibited by applicable law.

Your use of the Service may also be subject to other local, state, national, or international laws.

Disputes Resolution

If You have any concern or dispute about the Service, You agree to first attempt to resolve the dispute informally by contacting the Company at the contact information provided below.

Nothing in this section limits Your rights under applicable consumer protection laws.

For European Union (EU) Users

If You are a European Union consumer (and use the Service despite it being primarily intended for U.S. users), You may benefit from any mandatory provisions of the law of the EU member state in which You are habitually resident. Nothing in these Terms affects Your rights under such mandatory laws.

United States Federal Government End-Use Provisions

If You are a U.S. federal government end user, Our Service is a "Commercial Item" as that term is defined at 48 C.F.R. § 2.101.

United States Legal Compliance

You represent and warrant that:

• You are not located in a country that is subject to a U.S. government embargo or designated as a "terrorist supporting" country; and
• You are not listed on any U.S. government list of prohibited or restricted parties.

California and Other State-Specific Consumer Rights

If You are a California resident, under California Civil Code § 1789.3, You may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs to resolve a complaint regarding the Service or to receive further information regarding use of the Service:

• By mail at: Consumer Information Center, Department of Consumer Affairs, 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834
• By telephone at: (800) 952-5210 (or as otherwise listed by the State of California)

You may also contact the Company directly at the contact information provided below.

Nothing in these Terms is intended to limit any non-waivable rights under the consumer protection laws of any U.S. state, including but not limited to California, New York, and New Jersey. If any provision of these Terms is found unenforceable in a particular jurisdiction, it shall be modified or limited to the minimum extent necessary to comply with applicable law, and the remaining provisions shall remain in full force and effect.

Severability and Waiver

Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision shall be modified and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions shall continue in full force and effect.

Waiver

Except as expressly provided herein, the failure of a party to exercise a right or require performance of an obligation under these Terms shall not affect that party's ability to exercise such right or require such performance at any time thereafter, nor shall the waiver of a breach constitute a waiver of any subsequent breach.

Translation Interpretation

These Terms may have been translated if We have made them available to You in a language other than English. In the event of any dispute, the English version of these Terms shall prevail.

Changes to These Terms and Conditions

We reserve the right, at Our sole discretion, to modify or replace these Terms at any time.

If a revision is material, We will make reasonable efforts to provide at least 30 days' notice prior to any new terms taking effect (for example, by updating the "Last updated" date and/or providing notice through the Service). What constitutes a "material" change will be determined at Our sole discretion.

By continuing to access or use the Service after any revisions become effective, You agree to be bound by the revised Terms. If You do not agree to the new Terms, in whole or in part, You must stop using the Website and the Service.

Contact Us

If You have any questions about these Terms and Conditions, You can contact Us: