Terms & Conditions
The terms of working with us — spelled out, not buried.
What we'll do for you, what we need from you, how we charge, and where our responsibility starts and stops. No fine print buried at the bottom.
These are our general terms for using this website and working with us. If you've signed an engagement letter or a carrier application, that document covers the specifics of your work and wins wherever the two differ.
By working with us, you agree to this
When you use this website, send us a message, or hire us for any service, you're agreeing to the terms on this page. If something here doesn't sit right with you, tell us before we start — we can usually talk it through.
"We" and "us" mean F&S Financial & Tax Services LLC. "You" means the person or business we're working for.
What we actually agreed to do
Every engagement has a scope, and we put it in writing. Your engagement letter says which returns we're preparing, which years, and what else is included — and just as importantly, what isn't.
Anything outside that scope is new work. We'll quote it before we do it, never after. Preparing your return does not automatically mean we're auditing your books, reviewing your prior-year filings, or monitoring your accounts unless we said we would.
What we need from you
We build your return and your plan on the numbers you give us. We'll ask questions and flag anything that looks off, but we don't audit or independently verify your records. That means you're responsible for:
Complete, accurate records — all income, all deductions, nothing left in a drawer.
Getting documents to us on time, especially close to a deadline.
Reviewing your return before it's filed. Once you approve it, it goes out as-is.
Keeping the receipts and substantiation behind what you claimed.
Telling us when something changes — a marriage, a move, a new entity, a big purchase.
Deadlines and extensions
We work hard to file on time, and we'll tell you clearly when we need your documents by. If they arrive after our stated cutoff, we may need to file an extension instead.
An extension gives you more time to file, not more time to pay. Interest and penalties on an unpaid balance keep running, and that part is on you, not us.
Fees and payment
We quote our fee before we begin, and the quote holds as long as the scope holds. If your situation turns out to be more involved than what you described, we'll come back to you with a revised number before doing the extra work.
Invoices are due on the terms shown on the invoice. Returns are filed once payment is arranged. Unpaid balances may pause work in progress, and we'll always tell you before that happens rather than going quiet.
Advice is advice, not a guarantee
We give you our honest professional judgment based on the law and guidance as it stands today, and the facts you've shared with us. Tax law changes, and authorities sometimes take a different view of the same facts.
So we can't promise a specific refund, a specific tax savings number, or that a position will never be questioned. What we can promise is that we'll document our reasoning and stand behind the work we did.
Notices and audits
If you get a notice about a return we prepared, send it to us right away — most of them are routine and get resolved with one letter.
Responding to notices and representing you in an examination is included where your engagement letter says so. Where it isn't, we'll quote that work separately before starting. Either way, you won't be left dealing with the IRS on your own.
Insurance and product recommendations
When we place insurance, we act as a licensed agent and we're paid commission by the carrier. We'll tell you that plainly, and we'll say so when one option pays us more than another so you can weigh it yourself.
The carrier decides whether to approve you and on what terms. Coverage starts only when the carrier issues the policy — not when you apply, and not when we submit it. Your policy documents control what's covered.
We build your return and your plan on the numbers you give us. We'll ask questions and flag anything that looks off, but we don't audit or independently verify your records. That means you're responsible for:
What we're not
We're tax and financial professionals, not attorneys. Nothing we provide is legal advice, and this website isn't investment advice or an offer to sell a security.
General information on this site — blog posts, guides, service pages — is written for a broad audience and won't fit everyone. Don't act on it without talking to us or another qualified professional about your own situation.
Using this website
You're welcome to read, print, and share our pages for your own use. Please don't copy our content to pass off as your own, scrape the site, or try to break into anything.
The text, layout, and our name and logo belong to us. We keep the site running as best we can, but we can't promise it will always be available or error-free.
Where our responsibility ends
If we make a mistake, tell us — we'll fix it and make it right. To the extent the law allows, our total liability for any engagement is limited to the fees you paid us for that engagement.
We're not liable for penalties or interest caused by information we weren't given, documents that arrived late, or a position you asked us to take against our advice.
Ending the relationship
Either of us can end an engagement in writing at any time. If you leave, you get your documents back and we'll invoice for work completed up to that point.
We may withdraw if we're asked to do something we believe is inaccurate or improper, if information we need isn't provided, or if fees go unpaid. We don't do it lightly, and we'll always explain why.
Governing law and changes
These terms are governed by the laws of the state where our office is located, and any dispute is handled in the courts there.
We may update this page as our services or the law change. The version posted here is the one that applies, with the date shown at the top. Keep working with us after a change and you're accepting the updated terms.
Talk to a person about this
Questions about these terms? Call [Phone number], email [Email address], or write to us at [Office address]. A real person will get back to you.
Something here unclear?
Ask before you sign, not after. We'd rather spend ten minutes explaining a clause than have you wondering what you agreed to.