Effective Date: January 2025

Welcome to Taxes, Credit, and Cars. By accessing or using our services, you agree to comply with and be bound by the following terms and conditions. Please read them carefully.

1. Definitions

• "Company" refers to Taxes, Credit, and Cars.

• "Services" refers to all offerings provided by the Company, including but not limited to tax preparation, credit repair, and auto financing consultations.

• "Client" refers to the individual or entity utilizing the Company’s services.

• "Agreement" refers to these Terms and Conditions.

2. Scope of Services

The Company provides the following services:

• Tax Services: Preparation and filing of personal and business taxes.

• Credit Services: Credit repair, education, and building solutions.

• Auto Financing Services: Assistance with financing and purchasing vehicles.

The Company reserves the right to modify or discontinue any service at its discretion.

3. Eligibility

To use our services, you must:

1. Be at least 18 years old.

2. Provide accurate and complete information.

3. Agree to these terms without modification.

4. Client Responsibilities

Clients agree to:

• Provide accurate and truthful information.

• Respond to requests for additional information in a timely manner.

• Review and confirm the accuracy of all documents before submission.

• Make payments for services as outlined in invoices or agreements.

5. Fees and Payments

• Fees for services will be disclosed before the commencement of any work.

• Payments must be made in full before the delivery of completed services unless otherwise agreed.

• The Company reserves the right to suspend services for non-payment.

6. Refund Policy

Refunds are only available under the following conditions:

• Refund requests must be submitted within three (3) business days of payment.

• The client must provide a written explanation of the refund request.

• All refund requests are subject to a $50 administrative fee.

No refunds will be issued for services already completed.

7. Credit Services

The Company offers forensic credit enhancement services, which include:

• Identifying inaccuracies on credit reports.

• Providing educational resources for credit improvement.

Disclaimer:

• Results are not guaranteed and vary based on individual credit profiles.

• Clients are responsible for adhering to credit improvement recommendations.

8. Tax Services

• The Company is not responsible for penalties, interest, or liabilities arising from inaccurate or incomplete information provided by the client.

• Clients are required to review and sign all tax documents before submission.

9. Auto Financing Services

• The Company provides consultation and assistance with vehicle financing but does not directly provide loans or financing.

• Clients are responsible for ensuring that any financing agreements align with their financial circumstances.

10. Privacy Policy

The Company collects and processes client information in accordance with our Privacy Policy https://tcp.taxescreditandcars.com/privacy. By using our services, you consent to this collection and use.

11. Limitation of Liability

• The Company is not liable for indirect, incidental, or consequential damages resulting from the use of our services.

• Total liability for direct damages is limited to the amount paid by the client for the specific service.

12. Indemnification

Clients agree to indemnify and hold harmless the Company, its employees, and agents from any claims, damages, or expenses arising from the use of our services.

13. Termination

The Company reserves the right to terminate or suspend services for any client who:

1. Violates these terms.

2. Provides false or misleading information.

3. Fails to make timely payments.

14. Dispute Resolution

• Governing Law: This Agreement is governed by the laws of [Insert State].

• Arbitration: Any disputes arising from this Agreement will be resolved through binding arbitration in accordance with [Insert Arbitration Rules].

• Venue: All legal actions must be filed in [Insert City, State].

15. Force Majeure

The Company is not liable for delays or failures caused by circumstances beyond its reasonable control, including but not limited to acts of God, natural disasters, or governmental actions.

16. Amendments

The Company reserves the right to amend these terms at any time. Clients will be notified of significant changes, and continued use of services constitutes acceptance of the updated terms.

17. Entire Agreement

This Agreement constitutes the entire understanding between the Company and the Client, superseding all prior agreements.

18. Contact Information

For questions or concerns regarding these terms, please contact:

Taxes, Credit, and Cars

(725) 302-3877

[email protected]