Terms of Service

Welcome to Zenith Financial Advisors. These Terms of Service (“Terms”) govern your access to and use of our website, services, and client portal. By accessing or using our services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our services.

1. Acceptance of Terms

By accessing our website at zenithfinancialadvisors.com, creating an account, or engaging our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. These Terms constitute a legally binding agreement between you and Zenith Financial Advisors LLC (“Zenith,” “we,” “us,” or “our”).

If you are entering into these Terms on behalf of a business or other legal entity, you represent that you have the authority to bind such entity to these Terms. If you do not have such authority, or if you do not agree with these Terms, you must not accept these Terms and may not use our services.

2. Description of Services

Zenith Financial Advisors provides professional tax preparation, accounting, and financial advisory services, including but not limited to:

• Individual Tax Preparation: Federal and state income tax return preparation, tax planning, and consultation services for individuals and families.
• Corporate Tax Services: Business tax preparation, corporate tax planning, entity structuring, and compliance services for businesses of all sizes.
• Accounting Services: Bookkeeping, financial statement preparation, payroll processing, and general accounting services.
• Expat Tax Services: Specialized tax services for U.S. citizens and residents living abroad, including FBAR filing, FATCA compliance, foreign tax credit optimization, and cross-border tax planning between the U.S. and Canada.
• Streamlined Filing Compliance: Assistance with IRS Streamlined Filing Compliance Procedures for taxpayers who have fallen behind on their U.S. tax obligations.

Our services are provided by qualified Enrolled Agents (EAs) licensed by the Internal Revenue Service and Certified Public Accountants (CPAs) who maintain all required professional certifications and continuing education requirements.

3. User Accounts and Responsibilities

3.1 Account Registration

To access certain features of our services, including our secure client portal, you must create an account. When creating an account, you agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information to keep it accurate and current
• Maintain the security and confidentiality of your login credentials
• Notify us immediately of any unauthorized access to or use of your account
• Accept responsibility for all activities that occur under your account

3.2 Client Responsibilities

As a client of Zenith Financial Advisors, you agree to:

• Provide complete, accurate, and truthful information necessary for the preparation of your tax returns and other financial documents
• Review all prepared documents carefully before signing and filing
• Retain copies of all tax returns and supporting documentation
• Respond promptly to requests for additional information or documentation
• Inform us of any changes to your financial situation that may affect our services
• Comply with all applicable tax laws and regulations

3.3 Prohibited Activities

You agree not to:

• Use our services for any unlawful purpose or in violation of any applicable laws
• Provide false, misleading, or fraudulent information
• Attempt to gain unauthorized access to our systems or other users' accounts
• Interfere with or disrupt the integrity or performance of our services
• Use our services to transmit malware, viruses, or other harmful code
• Share your account credentials with unauthorized third parties

4. Payment Terms

4.1 Fees and Pricing

Service fees will be communicated to you in an engagement letter before services commence. Fees may be based on the complexity of your tax situation, the time required to complete services, or a fixed-fee arrangement as specified in your engagement agreement.

4.2 Payment Processing

We use Stripe, Inc. as our payment processor for secure online transactions. By making a payment through our platform, you agree to Stripe's Terms of Service and Privacy Policy. Payment information is securely processed and stored by Stripe; we do not store your complete credit card or bank account information on our servers.

4.3 Payment Terms

• Payment is due upon completion of services unless otherwise specified in your engagement letter
• We accept major credit cards, debit cards, and ACH bank transfers through our secure payment portal
• A deposit may be required for certain services before work commences
• Late payments may be subject to interest charges as permitted by applicable law
• We reserve the right to suspend services for accounts with outstanding balances

4.4 Refund Policy

Refund requests will be considered on a case-by-case basis. If you are dissatisfied with our services, please contact us within 30 days of service completion. Refunds will not be issued for services that have been fully rendered and accepted by the client.

5. Engagement Letters and Service Agreements

Before commencing services, you will receive an engagement letter that outlines the specific scope of services, fees, and terms applicable to your engagement. The engagement letter, together with these Terms of Service, constitutes the complete agreement between you and Zenith Financial Advisors.

By signing an engagement letter (electronically or otherwise), you agree to:

• The scope of services described therein
• The fee structure and payment terms
• IRS Form 7216 consent for disclosure of tax return information where applicable
• Any additional terms specific to your engagement

6. Intellectual Property

6.1 Our Intellectual Property

All content, features, and functionality of our website and services, including but not limited to text, graphics, logos, icons, images, audio clips, software, and the compilation thereof, are the exclusive property of Zenith Financial Advisors or our licensors and are protected by United States and international copyright, trademark, and other intellectual property laws.

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our website and services for their intended purposes. This license does not include the right to:

• Modify, reproduce, or distribute our content without written permission
• Use our trademarks or service marks without authorization
• Reverse engineer, decompile, or disassemble any software or technology used in our services
• Create derivative works based on our content or services

6.3 Your Content

You retain ownership of all documents and information you provide to us. By uploading content to our platform, you grant us a limited license to use, store, and process that content solely for the purpose of providing our services to you.

7. Confidentiality and Data Protection

We are committed to protecting your personal and financial information. Our handling of your data is governed by our Privacy Policy, which is incorporated into these Terms by reference. We maintain strict confidentiality standards in accordance with:

• IRS regulations regarding tax return information (IRC Section 7216)
• Professional standards for tax practitioners
• Industry-standard security measures for data protection
• Applicable federal and state privacy laws

8. Limitation of Liability

8.1 Service Limitations

While we strive to provide accurate and reliable services, our services are provided “as is” and “as available.” We do not guarantee that:

• Our services will be uninterrupted, timely, secure, or error-free
• The results obtained from our services will be accurate or reliable
• Any errors in our services will be corrected

8.2 Limitation of Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ZENITH FINANCIAL ADVISORS AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Any loss of profits, revenue, data, or business opportunities
• Damages arising from your reliance on any information obtained through our services
• Damages resulting from unauthorized access to or alteration of your data

In no event shall our total liability exceed the amount paid by you for the services giving rise to the claim during the twelve (12) months preceding the claim.

8.3 Tax Authority Actions

We are not responsible for actions taken by the IRS, state tax authorities, or any other governmental agency. While we will use reasonable efforts to prepare accurate returns based on the information you provide, you remain ultimately responsible for the accuracy and completeness of your tax returns and any taxes, penalties, or interest assessed by taxing authorities.

9. Indemnification

You agree to indemnify, defend, and hold harmless Zenith Financial Advisors and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or in connection with: (a) your use of our services; (b) your violation of these Terms; (c) your violation of any applicable laws or regulations; (d) any false, misleading, or incomplete information you provide; or (e) your infringement of any third-party rights.

10. Dispute Resolution

10.1 Informal Resolution

Before initiating any formal dispute resolution proceeding, you agree to first contact us to attempt to resolve the dispute informally. We will work with you in good faith to resolve any issues within thirty (30) days of receiving your written notice of the dispute.

10.2 Binding Arbitration

If we cannot resolve a dispute informally, you and Zenith Financial Advisors agree that any dispute, claim, or controversy arising out of or relating to these Terms or our services shall be resolved by binding arbitration administered by the American Arbitration Association (“AAA”) in accordance with its Commercial Arbitration Rules. The arbitration shall take place in Austin, Texas, unless the parties mutually agree otherwise.

10.3 Class Action Waiver

YOU AND ZENITH FINANCIAL ADVISORS AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding.

11. Governing Law

These Terms of Service and any dispute arising out of or related to these Terms or our services shall be governed by and construed in accordance with the laws of the State of Texas, United States, without regard to its conflict of law principles.

Zenith Financial Advisors LLC is a limited liability company registered in the State of Texas. For any matters not subject to arbitration, you consent to the exclusive jurisdiction and venue of the state and federal courts located in Travis County, Texas.

12. Changes to Terms

We reserve the right to modify these Terms of Service at any time at our sole discretion. When we make material changes, we will:

• Update the “Last Updated” date at the top of this page
• Provide notice through our website or by email to registered users
• Give you at least thirty (30) days' notice before material changes take effect

Your continued use of our services after any changes to these Terms constitutes your acceptance of the revised Terms. If you do not agree to the modified Terms, you must discontinue using our services.

13. Termination

Either party may terminate the service relationship at any time by providing written notice to the other party. Upon termination:

• You remain responsible for any fees owed for services rendered prior to termination
• We will return your original documents upon request
• We may retain copies of your records as required by professional standards and applicable law
• Your access to our client portal may be suspended or terminated

We reserve the right to suspend or terminate your account immediately if we reasonably believe you have violated these Terms or engaged in fraudulent or illegal activity.

14. Miscellaneous

14.1 Entire Agreement

These Terms, together with our Privacy Policy and any applicable engagement letters, constitute the entire agreement between you and Zenith Financial Advisors regarding your use of our services.

14.2 Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

14.3 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

14.4 Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms without restriction.

15. Contact Information

If you have any questions, concerns, or feedback regarding these Terms of Service, please contact us: