Terms of Service

Effective date: [set on launch day] · Last updated: [set on launch day]

1. Agreeing to these terms

These Terms of Service apply to the website of JV Tax & Business Consulting LLC (“JV Tax,” “we,” “us”), our website chat and our online booking. By using them, you agree to these terms and to our Privacy Policy. If you do not agree, please do not use the website.

2. About us and our professional status

JV Tax & Business Consulting LLC is a Pennsylvania limited liability company based in Philadelphia. We provide tax preparation, accounting and bookkeeping, business formation and compliance, and business consulting services.

Jorge Vargas, Senior Accountant. Federal returns are signed under a valid IRS PTIN.

We do not provide legal services. We treat your information as confidential.

3. General information, not advice

Everything on this website, in our chat and in our general messages is general information. It may not fit your situation and can change as tax laws change. It is not tax, legal, accounting or financial advice, and you should not act on it without discussing your situation with a qualified professional as part of a signed engagement.

4. When you become a client

Visiting the website, using the chat, booking or attending a first consultation does not create a client relationship and does not make us responsible for your taxes or business. A client relationship begins only when you and JV Tax both sign an engagement letter.

The engagement letter describes the services, fees, responsibilities and other terms of our work together. If these Terms of Service and your signed engagement letter conflict, the engagement letter controls.

5. Booking, rescheduling and cancelling

• Appointments are by phone or Google Meet video, weekday afternoons and Saturdays, by appointment. In-person meetings in Philadelphia are available on request.
• You can reschedule or cancel anytime using the link in your confirmation email.
• If we need to reschedule, we will let you know as soon as we can.
• Please be on time. If we cannot reach you at the appointment time, we may need to reschedule.

6. Your responsibilities

Good tax and bookkeeping work depends on good information. You agree to:

• Give us accurate, complete and timely information and documents, and tell us about changes.
• Keep your own records and receipts, as tax laws require.
• Review everything we prepare for you before you sign or approve it.
• Send us any IRS or state notices you receive promptly.
• Not send sensitive information (such as Social Security numbers or tax documents) through our website chat, regular email, text or WhatsApp. We will give you a secure way to share it.

You remain legally responsible for the information on your tax returns and filings, even when we prepare them.

7. No guaranteed results

We work carefully, but we cannot promise any particular refund amount, tax savings, result, approval or processing time from the IRS, any state or local agency, or any other organization. This includes payment plans, business registrations and tax elections such as S corporation elections.

8. Fees

Our fees are set in your signed engagement letter or written quote. Anything on this website about services or prices is general information and is not an offer or a binding price.

9. Penalties, interest and deadlines

We are not responsible for penalties, interest or missed deadlines caused by information or documents that were late, incomplete or inaccurate, by your decisions, or by delays or errors of government agencies or other third parties. Any responsibility we do accept for our own errors is described in your engagement letter.

10. Electronic communications and texts

By using our chat or booking, you agree that we may communicate with you electronically, including by email, phone, text message or WhatsApp, about your request and appointment, and that these electronic communications meet any requirement that they be in writing.

• Messages are about your request, appointment or services. Message frequency varies. Message and data rates may apply.
• Reply STOP to stop text messages or HELP for help. You can also tell us in any reasonable way that you want us to stop.
• Agreeing to receive messages is not a condition of doing business with us.
• We never sell or share your mobile number or text-message consent with third parties for their marketing.

11. Using our website and chat

Please use our website and chat only to learn about our services and to contact us or book an appointment. You agree not to:

• Give false information or pretend to be someone else.
• Send spam, harassing or abusive messages, or anything illegal.
• Use bots, scripts or automated tools to send requests, copy content or overload the website.
• Try to get around the robot check or other security, or interfere with how the website works.

We may block or delete requests that break these rules.

12. Other companies' services and links

Our website uses other companies to work, including Cloudflare, Cal.com, Google (Calendar, Meet and Gmail), Resend and, when used, Meta's WhatsApp. When you use their services, such as booking on Cal.com, their own terms and privacy policies also apply. We are not responsible for other companies' services, websites or content, including websites we link to.

13. Our content

The text, design, graphics and logo on this website belong to JV Tax & Business Consulting LLC or are used with permission. You may view and share our pages for personal, non-commercial use, but you may not copy, change or reuse them for business purposes without our written permission. Tax form images on this website are simplified illustrations, not official forms.

14. Website provided “as is”

The website, chat and general information are provided “as is” and “as available,” without warranties of any kind, express or implied, including warranties of accuracy, completeness, fitness for a particular purpose and uninterrupted or error-free operation, to the fullest extent the law allows.

15. Limits on our liability

This website is for learning about our services and requesting an appointment. To the fullest extent the law allows:

• We are not responsible if the website, chat or booking is unavailable, delayed, or does not deliver a request. If you have an urgent deadline, please call or email us as well.
• We are not liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits or lost data, from using the website, chat or booking.
• Our total liability related to the website, chat or booking is limited to one hundred U.S. dollars ($100).

Our professional services to clients, and any responsibility for them, are governed by the signed engagement letter, not by these website terms. Nothing in these terms limits liability that cannot be limited by law.

16. Your responsibility for misuse

If you misuse our website or chat, break these terms, or knowingly give us false information, and that causes a claim, loss or expense for JV Tax, you agree to cover those reasonable costs, including reasonable attorneys' fees, to the extent the law allows.

17. Pennsylvania law and disputes

• Talk to us first. If you have a concern, please contact us first. We will try in good faith to resolve it within 30 days.
• Governing law. These terms are governed by the laws of the Commonwealth of Pennsylvania, without regard to its conflict-of-laws rules.
• Where disputes are heard. Any lawsuit about these terms or the website must be brought in the state or federal courts located in Philadelphia County, Pennsylvania, and you and we agree to those courts' jurisdiction. Either of us may instead use small-claims court if the claim qualifies.
• Time limit. To the extent the law allows, a claim about the website must be brought within one year after it arises.

18. Other important terms

• Whole agreement. These terms and our Privacy Policy are the whole agreement about using the website. For clients, the signed engagement letter governs our services.
• If part is invalid. If any part of these terms is found unenforceable, the rest stays in effect.
• No waiver. If we do not enforce a term right away, we can still enforce it later.
• Things outside our control. We are not responsible for delays or failures caused by events outside our reasonable control, such as internet or service-provider outages, government system outages, natural disasters or emergencies.
• Changes. We may update these terms. We will change the “Last updated” date above. Using the website after a change means you accept the updated terms. Changes do not affect a signed engagement letter.

19. Contact us

JV Tax & Business Consulting LLC
Philadelphia, Pennsylvania
Email: info@jvtaxconsulting.com
Phone: [business phone, added at launch]