Terms & Conditions

Introduction and Acceptance of Terms

Welcome to Legacy Tax Pro (“Company,” “we,” “us,” or “our”). These Terms and Conditions (“Terms”) govern your access to and use of the Legacy Tax Pro website located at www.legacytaxpro.co (the “Website”), as well as all services, products, and communications provided by Legacy Tax Pro, including but not limited to tax preparation services, bookkeeping services, business formation assistance, and business funding consultation (collectively, the “Services”).

By accessing or using our Website, scheduling an appointment, engaging our Services, submitting information through any of our forms, or communicating with us via text message, email, phone, or any other channel, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree with any part of these Terms, you must discontinue use of the Website and Services immediately.

We reserve the right to update, modify, or revise these Terms at any time. Changes will become effective upon posting to the Website. Your continued use of the Website or Services after any modifications constitutes your acceptance of the revised Terms. It is your responsibility to review these Terms periodically.

Description of Services

Legacy Tax Pro provides the following professional services to individuals and small businesses:

2.1 Tax Preparation Services

We prepare and file federal and state income tax returns for individuals and small businesses. Our tax preparation services include reviewing financial documents, identifying eligible deductions and credits, preparing accurate returns, and electronically filing with the Internal Revenue Service (IRS) and applicable state agencies. All tax returns are prepared in compliance with current federal and state tax laws and regulations.

2.2 Third-Party Bank Products: Refund Advances and Pay-With-Refund

In connection with our tax preparation services, Legacy Tax Pro offers clients the option to utilize third-party bank products, including but not limited to Refund Advance loans and Refund Transfer (Pay-With-Refund) options. These products are provided by third-party financial institutions (“Partner Bank”) and are subject to the Partner Bank’s own terms, conditions, eligibility requirements, and approval processes.

(a) Refund Advance: A Refund Advance is a loan provided by the Partner Bank that is based on your anticipated federal tax refund. The Refund Advance is not provided by Legacy Tax Pro. Approval, loan amounts, and terms are determined solely by the Partner Bank. Legacy Tax Pro does not guarantee that you will be approved for a Refund Advance, nor does Legacy Tax Pro control the amount, timing, or conditions of the advance. If approved, the Refund Advance will be disbursed according to the Partner Bank’s policies and may be subject to fees, conditions, or repayment requirements as disclosed by the Partner Bank at the time of application.

(b) Pay-With-Refund (Refund Transfer): The Pay-With-Refund option allows you to have Legacy Tax Pro’s tax preparation fees, applicable bank processing fees, and any other authorized charges deducted directly from your federal tax refund. By electing the Pay-With-Refund option, you authorize the Partner Bank to deduct the agreed-upon fees from your refund before disbursing the remaining balance to you. The Refund Transfer is a bank product and is subject to a separate processing fee charged by the Partner Bank.

(c) Client Acknowledgments Regarding Bank Products: By electing to use any third-party bank product, you acknowledge and agree to the following:

(i) Legacy Tax Pro is not a lender, financial institution, or bank. All bank products are provided by the Partner Bank, and Legacy Tax Pro acts solely as an intermediary to facilitate access to these products.

(ii) Approval for any bank product is not guaranteed and is determined solely by the Partner Bank based on its own criteria, which may include verification of your identity, tax return information, and other factors.

(iii) If your tax refund is reduced, offset, or delayed by the IRS or a state tax agency for any reason (including but not limited to tax debts, child support, student loans, or other government obligations), you remain responsible for repaying any Refund Advance loan and any fees owed under the Refund Transfer.

(iv) Legacy Tax Pro is not responsible for delays in receiving your refund, changes to your refund amount, bank processing times, or any actions taken by the IRS, state agencies, or the Partner Bank.

(v) You will receive and must review the Partner Bank’s separate terms and conditions, truth-in-lending disclosures (if applicable), and fee schedule before authorizing any bank product. Your signature or electronic consent to the Partner Bank’s documents constitutes a separate agreement between you and the Partner Bank.

(vi) Disputes related to the bank product itself (e.g., loan terms, advance amounts, processing delays) must be directed to the Partner Bank. Legacy Tax Pro is not liable for any acts, omissions, decisions, or policies of the Partner Bank.

2.3 Bookkeeping Services

We provide bookkeeping services including transaction categorization, bank and credit card reconciliation, financial statement preparation, accounts payable and receivable management, and periodic financial reporting. Bookkeeping services are performed on a monthly, quarterly, or annual basis as agreed upon between the client and Legacy Tax Pro.

2.4 Business Formation Services

We assist clients with entity selection and formation, including sole proprietorships, limited liability companies (LLCs), S-Corporations, C-Corporations, and partnerships. Business formation services may include preparation and filing of formation documents with applicable state agencies, obtaining Employer Identification Numbers (EINs) from the IRS, drafting operating agreements, and providing general guidance on entity structure.

2.5 Business Funding Consultation

We provide consultation and assistance with identifying and applying for business funding opportunities, including but not limited to small business loans, lines of credit, SBA programs, grants, and alternative financing options. Legacy Tax Pro acts as a consultant in the funding process and does not guarantee approval or funding from any third-party lender or institution.

2.6 Limitations of Services

Legacy Tax Pro does not provide legal advice, investment advice, or certified public accounting (CPA) services unless expressly stated. Our services are based on information provided by the client, and we are not responsible for the accuracy or completeness of information supplied to us. Clients are responsible for reviewing all documents, returns, and filings for accuracy before submission.

Independent Contractor Tax Preparers

3.1 Use of Independent Contractors

Legacy Tax Pro may engage independent contractor tax preparers (“Contractor Preparers”) to perform tax preparation and related services on behalf of clients. Contractor Preparers are not employees of Legacy Tax Pro. They are independent professionals who have agreed to operate under the Legacy Tax Pro brand and in accordance with our quality standards, compliance requirements, and professional guidelines.

3.2 Client Acknowledgment

By engaging Legacy Tax Pro for tax preparation services, you acknowledge and agree that your tax return and related services may be prepared or assisted by a Contractor Preparer operating under the Legacy Tax Pro platform. All Contractor Preparers are required to maintain a valid Preparer Tax Identification Number (PTIN) as issued by the IRS and to comply with all applicable federal and state regulations governing tax preparation.

3.3 Quality and Compliance Standards

Legacy Tax Pro requires all Contractor Preparers to adhere to professional standards of care, accuracy, and confidentiality. Contractor Preparers are required to follow Legacy Tax Pro’s established procedures for document handling, client communication, return preparation, and filing. Legacy Tax Pro conducts oversight and quality review processes to maintain the integrity of services delivered through our platform.

3.4 Relationship Clarification

Contractor Preparers operate as independent contractors and not as employees, partners, agents, or joint venturers of Legacy Tax Pro. The engagement of Contractor Preparers does not create an employer-employee relationship between Legacy Tax Pro and the Contractor Preparer, nor does it create any employment relationship between the client and the Contractor Preparer.

3.5 Liability

Legacy Tax Pro is not responsible for the independent acts, errors, or omissions of Contractor Preparers that fall outside the scope of their engagement with Legacy Tax Pro. However, Legacy Tax Pro maintains oversight of all services performed under its platform and is committed to addressing any client concerns regarding the quality or accuracy of services rendered. Clients who have concerns about a Contractor Preparer’s performance should contact Legacy Tax Pro directly so that we can investigate and resolve the matter promptly.

3.6 Confidentiality

All Contractor Preparers are bound by confidentiality agreements that prohibit the unauthorized disclosure, use, or sharing of client information. Your personal and financial information shared with a Contractor Preparer in connection with your engagement will be treated with the same level of confidentiality and security as information handled directly by Legacy Tax Pro.

Client Responsibilities

By engaging Legacy Tax Pro for any of our Services, you agree to the following responsibilities:

(a) You will provide accurate, complete, and truthful information necessary for the performance of the requested Services. This includes but is not limited to identification documents, income statements, expense records, bank statements, and any other financial records.

(b) You will respond to requests for additional information or documentation in a timely manner. Delays in providing requested information may result in delayed service delivery and may incur additional fees.

(c) You will review all prepared documents, tax returns, financial statements, and filings for accuracy and completeness before authorizing submission or filing.

(d) You are solely responsible for the accuracy of the information you provide. Legacy Tax Pro is not liable for errors, penalties, interest, or adverse outcomes resulting from inaccurate, incomplete, or misleading information provided by the client.

(e) You will maintain copies of all records and documents submitted to Legacy Tax Pro for your own files.

Fees, Payment Terms, and Chargebacks

5.1 Service Fees

Fees for Services are determined based on the complexity of the work, the type of service requested, and any additional requirements. Fee estimates may be provided prior to the commencement of Services; however, final fees may vary based on the actual scope of work required. Legacy Tax Pro reserves the right to adjust fees if the scope of services changes or if additional work is required beyond the original estimate.

5.2 Payment Methods

We accept payment via credit card, debit card, ACH transfer, electronic payment platforms, and other methods as specified at the time of service. All payments are processed through secure, PCI-compliant payment processors. By providing your payment information, you authorize Legacy Tax Pro and its payment processors to charge the agreed-upon fees to your designated payment method.

5.3 Payment Terms

Payment is due at the time of service or as otherwise agreed upon in writing. For ongoing services such as bookkeeping, payment is due according to the billing schedule agreed upon in the service agreement. Failure to remit payment within the agreed timeframe may result in late fees, service suspension, or termination of the engagement.

5.4 Refund Policy

Due to the nature of professional services, all fees paid for completed work are non-refundable. If a service has not yet been performed or is only partially completed, a refund or credit may be issued at the sole discretion of Legacy Tax Pro. Refund requests must be submitted in writing within fourteen (14) calendar days of payment.

5.5 Chargeback Policy

Legacy Tax Pro takes chargebacks and payment disputes seriously. By engaging our Services and submitting payment, you acknowledge and agree to the following:

(a) You agree that you will not initiate a chargeback, payment dispute, or reversal with your bank, credit card company, or payment processor for any fees that have been legitimately charged for Services rendered by Legacy Tax Pro.

(b) If you have a concern regarding a charge, you agree to contact Legacy Tax Pro directly at the contact information provided on our Website before initiating any dispute with your financial institution. We are committed to resolving billing concerns promptly and fairly.

(c) In the event that a chargeback is initiated without first contacting Legacy Tax Pro to attempt resolution, we reserve the right to take the following actions:

(i) Immediately suspend or terminate all ongoing Services and access to any client portals, documents, or deliverables.

(ii) Pursue recovery of all disputed amounts, including the original service fee, any chargeback fees or penalties assessed to Legacy Tax Pro by the payment processor (typically $15–$50 per dispute), and any associated administrative costs.

(iii) Submit evidence of the transaction, service agreement, and service delivery to the payment processor in response to the dispute.

(iv) Report the disputed amount to collections if the chargeback is resolved in your favor and payment is not remitted within thirty (30) days.

(v) Pursue legal action to recover the full amount owed, including attorney’s fees and court costs, if necessary.

(d) Legacy Tax Pro maintains comprehensive records of all client interactions, signed agreements, payment authorizations, service delivery confirmations, and electronic communications. These records will be used as evidence in any chargeback dispute.

(e) Fraudulent chargebacks—defined as disputes filed for services that were authorized, received, and not subject to a legitimate billing error—may be reported to applicable fraud prevention agencies and law enforcement.

(f) By making a payment to Legacy Tax Pro, you acknowledge that the charge is authorized, that you have received or will receive the agreed-upon Services, and that initiating a chargeback without attempting to resolve the issue directly with Legacy Tax Pro constitutes a breach of these Terms.

Messaging and SMS/Text Communication

6.1 Consent to Receive Messages

By providing your mobile phone number to Legacy Tax Pro through our Website, appointment scheduling system, intake forms, or during any communication, and by opting in to receive text messages, you expressly consent to receive automated and non-automated text messages (SMS and MMS) from Legacy Tax Pro at the phone number you have provided. Message types may include but are not limited to:

Appointment confirmations, reminders, and scheduling updates

Document requests and submission confirmations

Service status updates and notifications

Payment confirmations, receipts, and billing reminders

Tax deadline reminders and important IRS updates

Promotional messages regarding Legacy Tax Pro services and offers

General business communications related to your account or engagement

6.2 Opt-In Procedures

Your consent to receive A2P text messages is obtained through one or more of the following methods:

(a) Website Opt-In: By entering your mobile phone number and checking the consent checkbox on any form on our Website (e.g., contact form, appointment booking form, intake form), you are opting in to receive text messages from Legacy Tax Pro.

(b) Keyword Opt-In: By texting a designated keyword (e.g., “JOIN,” “START,” or “YES”) to our business phone number, you consent to receive text messages.

(c) Verbal or Written Consent: By providing verbal or written consent during an in-person meeting, phone call, or email exchange to receive text messages at your mobile number.

(d) Appointment Scheduling: By booking an appointment through our online scheduling system and providing your mobile phone number, you consent to receive appointment-related text messages.

Consent to receive text messages is not a condition of purchasing any goods or services from Legacy Tax Pro.

6.3 Message Frequency and Charges

Message frequency varies based on the nature of your engagement with Legacy Tax Pro and may range from occasional messages to multiple messages per week during active service periods (e.g., tax season, active bookkeeping engagements). Message and data rates may apply based on your mobile carrier plan. Legacy Tax Pro is not responsible for any charges incurred from your mobile carrier as a result of receiving text messages.

6.4 Opt-Out Procedures

You may opt out of receiving text messages from Legacy Tax Pro at any time by:

(a) Replying “STOP” to any text message you receive from us. Upon receipt of your STOP request, we will send a single confirmation message acknowledging your opt-out, and you will receive no further text messages unless you re-subscribe.

(b) Contacting us directly via email or phone and requesting to be removed from our text messaging list.

Please allow up to forty-eight (48) hours for opt-out requests to be fully processed. Opting out of text messages does not cancel any Services you have engaged or affect any contractual obligations.

6.5 Help and Support

For assistance with text messaging, you may reply “HELP” to any message you receive from Legacy Tax Pro, or contact us at the information provided on our Website. We will respond with instructions on how to manage your messaging preferences.

6.6 Data Privacy and A2P Compliance

Legacy Tax Pro is committed to protecting your personal information and complying with all applicable laws and regulations governing A2P messaging, including but not limited to:

The Telephone Consumer Protection Act (TCPA)

The CAN-SPAM Act (as applicable to commercial messages)

Carrier guidelines and best practices established by CTIA (Cellular Telecommunications Industry Association)

10DLC (10-Digit Long Code) registration and compliance requirements

Your mobile phone number and opt-in consent records are securely stored and will not be sold, rented, or shared with third parties for their own marketing purposes. We may share your phone number with our authorized messaging platform providers solely for the purpose of delivering text messages on our behalf.

6.7 Record Retention for A2P Compliance

Legacy Tax Pro maintains records of all opt-in consent, including the date and time of consent, the method of consent (e.g., web form, keyword, verbal), the specific phone number that opted in, and the language of the consent disclosure presented to the consumer. These records are retained for a minimum of five (5) years or as otherwise required by applicable law or regulation.

Privacy and Data Protection

Legacy Tax Pro collects, uses, and protects personal information in accordance with our Privacy Policy, which is incorporated into these Terms by reference. Personal information collected may include but is not limited to your name, address, phone number, email address, Social Security Number, Employer Identification Number, financial records, and other sensitive information necessary to perform the requested Services.

We implement administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security of your data.

By using our Services, you consent to the collection and use of your information as described in our Privacy Policy.

Intellectual Property

All content on the Legacy Tax Pro Website, including but not limited to text, graphics, logos, trademarks, images, software, and design elements, is the property of Legacy Tax Pro or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, display, or create derivative works from any content on the Website without prior written consent from Legacy Tax Pro.

The Legacy Tax Pro name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Legacy Tax Pro. You must not use such marks without the prior written permission of Legacy Tax Pro.

Disclaimer of Warranties

The Website and Services are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, or accuracy. Legacy Tax Pro does not warrant that the Website will be uninterrupted, error-free, or free of viruses or other harmful components.

While Legacy Tax Pro strives to provide accurate and reliable services, we do not guarantee specific outcomes, results, tax refund amounts, loan approvals, or funding amounts. Tax laws, regulations, and lender criteria are subject to change, and results may vary based on individual circumstances.

Limitation of Liability

To the fullest extent permitted by applicable law, Legacy Tax Pro, its owner, employees, agents, contractors, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, goodwill, or other intangible losses, arising out of or in connection with your use of the Website or Services, regardless of the theory of liability.

In no event shall the total aggregate liability of Legacy Tax Pro for any and all claims arising out of or relating to these Terms or the Services exceed the total amount of fees paid by you to Legacy Tax Pro during the twelve (12) months immediately preceding the event giving rise to the claim.

This limitation of liability applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if Legacy Tax Pro has been advised of the possibility of such damages.

Indemnification

You agree to indemnify, defend, and hold harmless Legacy Tax Pro, its owner, employees, agents, contractors, and affiliates from and against any and all claims, demands, losses, liabilities, damages, judgments, penalties, fines, costs, and expenses (including reasonable attorney’s fees and legal costs) arising out of or relating to:

(a) Your breach of any provision of these Terms;

(b) Your use of the Website or Services;

(c) Any inaccurate, incomplete, or misleading information you provide to Legacy Tax Pro;

(d) Your violation of any applicable law, regulation, or third-party right;

(e) Any chargeback or payment dispute you initiate in violation of Section 5.5 of these Terms.

Third-Party Services and Links

The Website may contain links to third-party websites, services, or platforms that are not owned or controlled by Legacy Tax Pro. We do not endorse and are not responsible or liable for the content, privacy practices, terms of use, or availability of any third-party websites or services. Your use of third-party services is at your own risk and subject to the terms and conditions of those third parties.

In connection with business funding consultation services, Legacy Tax Pro may refer you to third-party lenders, financial institutions, or funding platforms. Legacy Tax Pro does not control the approval process, terms, or conditions of any third-party funding product and makes no representations or warranties regarding the likelihood of approval or the terms of any financing.

Electronic Communications and E-Sign Consent

By using our Website or Services, you consent to receive electronic communications from Legacy Tax Pro, including emails, text messages, and notifications through our client portal or scheduling platform. You agree that all agreements, notices, disclosures, and other communications provided to you electronically satisfy any legal requirement that such communications be in writing.

By electronically signing any documents, agreements, engagement letters, or authorizations provided by Legacy Tax Pro, you acknowledge that your electronic signature carries the same legal force and effect as a handwritten signature under the Electronic Signatures in Global and National Commerce Act (E-SIGN Act) and applicable state laws.

Dispute Resolution

In the event of any dispute, claim, or controversy arising out of or relating to these Terms or the Services provided by Legacy Tax Pro, the parties agree to first attempt to resolve the dispute through good-faith negotiation. If the dispute cannot be resolved through negotiation within thirty (30) days, either party may pursue mediation or binding arbitration in accordance with the rules of the American Arbitration Association (AAA), with the arbitration to be conducted in the State of Virginia.

You agree that any dispute resolution proceedings will be conducted on an individual basis and not as a class action, class arbitration, or any other representative proceeding. You waive any right to participate in a class action lawsuit or class arbitration against Legacy Tax Pro.

Nothing in this section shall prevent Legacy Tax Pro from seeking injunctive or other equitable relief in a court of competent jurisdiction to protect its intellectual property rights or to enforce the chargeback provisions set forth in Section 5.5.

Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Virginia, without regard to its conflict of law principles. Any legal action or proceeding not subject to arbitration under Section 14 shall be brought exclusively in the state or federal courts located in the State of Virginia, and you consent to the personal jurisdiction and venue of such courts.

Termination

Legacy Tax Pro reserves the right to suspend or terminate your access to the Website and Services at any time, with or without cause, and with or without notice. Grounds for termination include but are not limited to violation of these Terms, non-payment of fees, providing false information, abusive or threatening behavior toward staff, or initiating a fraudulent chargeback.

Upon termination, your right to use the Website and Services will cease immediately. Sections of these Terms that by their nature should survive termination shall survive, including but not limited to Sections 5.5, 8, 9, 10, 11, 14, and 15.

Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving the original intent of the parties.

Entire Agreement

These Terms, together with our Privacy Policy and any service agreements or engagement letters executed between you and Legacy Tax Pro, constitute the entire agreement between you and Legacy Tax Pro with respect to the subject matter hereof and supersede all prior or contemporaneous communications, proposals, and agreements, whether oral or written.

Contact Information

If you have questions, concerns, or requests regarding these Terms and Conditions, please contact us at: