Terms and Conditions

The Legacy Vault provides professional tax preparation and filing services, including:

• Federal and state income tax return preparation
• Electronic filing (e-file) services
• Tax planning and consultation
• Secure client portal for document management
• Tax refund advance programs (subject to approval)

As a client, you agree to:

• Provide Accurate Information: Supply complete, accurate, and timely information required for tax preparation
• Report All Income: Disclose all sources of income including cash, digital assets, and third-party payments
• Review Your Return: Carefully review your completed tax return before approval and filing
• Retain Records: Keep copies of all tax documents and receipts for at least 7 years
• Respond Promptly: Reply to requests for additional information or documentation
• Notify of Changes: Inform us immediately of any IRS or state tax agency correspondence

You acknowledge that the accuracy of your tax return depends on the information you provide.

The Legacy Vault commits to:

• Prepare your return in accordance with IRS standards and professional ethics
• Exercise due diligence in verifying information you provide
• Use our professional judgment to resolve questions where tax law is unclear
• Protect your information with industry-standard security measures
• Inform you of any errors or omissions discovered in prior-year returns

Fee Structure

• Fees are based on the complexity of your tax return and services provided
• Fees are NOT based on refund amounts or tax savings
• Additional fees may apply for amended returns, extensions, or special requests

Payment Terms

• Payment is due when the IRS releases funds to bank products (if applicable)
• Upfront payment required for back taxes, balance due returns, or break-even returns
• Non-refundable deposits may apply for certain services
• Refund transfer fees are separate and disclosed before filing
• Unpaid balances may result in withholding of e-file authorization

Bank Product Authorization

By using our services, you authorize The Legacy Vault to collect unpaid fees from your designated bank account up to 90 days after IRS acceptance of your return.

If you apply for a Tax Refund Cash Advance, you acknowledge:

• No Guarantee: Approval is not guaranteed and is based on bank underwriting
• Documentation Required: All tax and ID documents must be complete before application
• Application Fee: A non-refundable $100 fee (deducted from your federal refund)
• Variable Amounts: Advance amounts are determined by the financial institution
• Processing Time: Funding timelines depend on bank approval
• Filing Requirement: You must file your tax return with The Legacy Vault

Refund Responsibility

The Legacy Vault is NOT responsible for:

• IRS or state processing delays
• Refund offsets for debts, child support, or student loans
• Errors caused by incorrect or incomplete client-provided information
• Changes in tax law that affect your refund

Limitation of Liability

Our liability is limited to the fees you paid for our services. We are not liable for indirect, consequential, or punitive damages.

Our Records: We retain copies of your returns and documentation for 3 years.

Your Records: You must keep original documents for at least 7 years as recommended by the IRS.

After 3 years, we may delete or archive your records. It is your responsibility to maintain copies.

Either party may terminate this agreement at any time. In case of termination:

• You remain responsible for fees incurred up to the termination date
• We will provide you with copies of work completed
• No refunds for services already rendered

Any disputes arising from these terms will be:

• Resolved through good-faith negotiation first
• If unresolved, submitted to binding arbitration
• Governed by the laws of the state where services are provided