Terms of Service

These Terms of Service ("Terms") apply to your use of the website tlovetaxesandfinancialservices.com and to the services provided by T Love Taxes & Financial Services ("T Love Taxes," "we," "us," or "our"), virtually and at our Fort Wayne, Indiana office. By using our website, booking an appointment, or engaging us for services, you agree to these Terms. If you don't agree, please don't use our website or services.

1. Our Services

T Love Taxes provides tax preparation and electronic filing for individuals, self-employed taxpayers, and small businesses, along with tax planning, financial and tax consultations, IRS notice support, bookkeeping and payroll support, notary services, financial literacy education, and a tax professional mentorship program. Services are available virtually and in person in Fort Wayne, Indiana. Availability of specific services may vary.

The scope, fees, and details of your specific engagement are described in your engagement letter, intake form, or other written agreement with us. If anything in that agreement conflicts with these Terms, that agreement controls for your engagement.

2. Credentials and Limits

T Love Taxes is led by a PTIN-registered tax preparer and IRS Authorized e-file Provider (ERO). We are not a CPA firm, a law firm, or a registered investment adviser, and we do not provide legal advice, audit or attest services, or investment advice.

Our ability to represent taxpayers before the IRS is limited by federal rules. When we help with an IRS notice, we do so within the scope of our credentials. If your situation requires representation we're not authorized to provide, we'll tell you and may suggest you consult an Enrolled Agent, CPA, or tax attorney.

3. Your Responsibilities

To prepare an accurate return, we rely on the information you give us. You agree to:

• Provide complete, accurate, and truthful information and documents, including all income from every source;
• Keep the records that support your income, deductions, and credits (such as receipts, mileage logs, and statements), and provide them when asked;
• Review your completed return carefully before you sign or authorize it, and tell us about anything that looks wrong or incomplete;
• Sign any required authorizations, such as IRS Form 8879 (e-file signature authorization), before we file; and
• Tell us promptly about any IRS or state notice you receive related to a return we prepared.

You are ultimately responsible for the accuracy of your tax return. We are not responsible for errors, penalties, or interest that result from incomplete or inaccurate information you provide.

4. Fees and Payment

• Fort Wayne appointment fee: In-person appointments at our Fort Wayne office carry a $25 appointment fee. This fee is separate from tax preparation fees.
• Preparation and service fees: Fees depend on the complexity of your return or the scope of the service. We'll tell you your fee before we file your return or begin paid work.
• When payment is due: Unless we agree otherwise in writing, fees are due before your return is filed or when the service is completed.
• Fees paid from a refund: If we offer an option to pay fees from your refund through a third-party bank product, that product has its own terms and fees, which will be disclosed to you before you choose it. Using it is optional.

5. Appointments and Cancellations

You can book an appointment online, by phone, or in person. Walk-ins are welcome during business hours, but availability isn't guaranteed. If you need to cancel or reschedule, please let us know as early as possible by calling 260-231-6935.

6. Filing, Refunds, and Timing

• We file returns electronically once you have reviewed and authorized them and any required fees are paid, unless we agree otherwise.
• We cannot guarantee the amount of any refund or the amount of tax you'll owe. Results depend on your individual circumstances and the information you provide.
• Refund timing is controlled by the IRS and state tax agencies, not by us. We are not responsible for delays, offsets, or adjustments made by a tax agency.
• Filing deadlines are your responsibility. To allow enough time to prepare an accurate return, please provide all documents well before the deadline. We may need to file an extension if information arrives late.

7. IRS and State Notices

If you receive a notice about a return we prepared, contact us as soon as possible and before the response date on the notice. Help with notices beyond reviewing and correcting our own work may be a separate service with its own fee, which we'll discuss with you first. We cannot guarantee any outcome with the IRS or a state tax agency.

8. Errors and Corrections

If we make an error in preparing your return, we will prepare any necessary amended return at no additional preparation charge.

This section does not apply to errors caused by incomplete or inaccurate information you provided, by changes in tax law after filing, or by positions you asked us to take after we advised against them.

9. Virtual Services and Documents

For virtual services, please submit documents only through the secure process we provide. Do not send Social Security numbers, bank account numbers, or tax documents through our website contact forms, social media messages, or regular email. You are responsible for keeping your own login details and devices secure. Our handling of your information is described in our Privacy Policy.

10. Communications

By giving us your phone number or email address, you agree that we may contact you about your appointment, documents, and services. If you separately opt in, we may also send marketing messages such as tax-season reminders and offers. Message frequency varies, and message and data rates may apply. Reply STOP to opt out of texts or HELP for help, and use the unsubscribe link to stop marketing emails. Consent to marketing messages is not required to purchase any service.

11. Notary, Education, and Mentorship

• Notary services: Our notary verifies identity and witnesses signatures. A notary cannot give legal advice, prepare or explain legal documents, or confirm that a document is valid or legally effective. We may decline a notarization if identity can't be verified, the signer appears not to understand or agree to what they are signing, or the notarization isn't permitted by law.
• Consultations and financial literacy: These services provide tax guidance and financial education based on the information you share. They are not investment, legal, or credit-repair advice, and outcomes are not guaranteed.
• Tax Pro Mentorship Program: The mentorship provides guidance and practical knowledge. It does not guarantee any business result, income, client volume, or approval of any credential or application. You are responsible for meeting all IRS and state requirements that apply to you as a tax preparer.

12. Promotions

Any promotion, reward, or giveaway we offer is governed by the specific terms published with it. If those terms conflict with these Terms, the promotion's terms control for that promotion. We may end or change a promotion as permitted by its terms and applicable law.

13. Use of Our Website

The content on our website, including text, graphics, logos, and the tax checklist, belongs to T Love Taxes or its licensors and is provided for your personal, non-commercial use. You may not copy, republish, or sell it without our written permission. You agree not to misuse the website, including by submitting false information, attempting to access systems without authorization, or interfering with the site's operation.

General information on our website is for educational purposes only and is not tax, legal, or financial advice for your specific situation. Tax laws change often; talk with us before acting on anything you read on the site.

Our website links to or embeds third-party services, such as our intake form, booking calendar, maps, and review sites. Those services are governed by their own terms, and we are not responsible for them.

14. Disclaimers and Limitation of Liability

Except as stated in these Terms or your written engagement agreement, our website and general information are provided "as is," without warranties of any kind. We do not guarantee that the website will always be available or error-free.

To the fullest extent permitted by law, our total liability for any claim arising out of our website or services will not exceed the fees you paid us for the specific service giving rise to the claim. We are not liable for indirect, incidental, or consequential damages, such as lost profits. Some states do not allow certain limitations of liability, so some of these limitations may not apply to you. Nothing in these Terms limits any liability that cannot be limited under applicable law.

15. Governing Law and Disputes

These Terms are governed by the laws of the State of Indiana, without regard to its conflict-of-law rules. If a dispute arises, please contact us first so we can try to resolve it informally. Any dispute that can't be resolved informally will be brought in the state or federal courts located in Allen County, Indiana, unless applicable law requires otherwise.

16. General Terms

• Changes: We may update these Terms from time to time. The effective date at the top shows when they were last changed. Changes don't affect services already completed under earlier Terms.
• Ending services: Either of us may end an engagement by written notice. You'll remain responsible for fees for work already performed.
• Severability: If any part of these Terms is found unenforceable, the rest remains in effect.
• Entire agreement: These Terms, our Privacy Policy, and any written engagement agreement are the entire agreement between you and us about their subject.

17. Contact Us

If you have questions about these Terms, contact us:

T Love Taxes & Financial Services
3219 E State Blvd
Fort Wayne, IN 46805
Phone: 260-231-6935
Email: [email protected]

See also our Privacy Policy.