Terms & Conditions
The terms that govern your use of this website and, where noted, our professional services. Plain language wherever the law allows it.
1. Agreement to These Terms
By accessing this website, you agree to these terms. If you do not agree, please do not use the site. These terms govern the website itself; the professional services we perform for you are governed by a separate signed engagement letter, which controls if the two ever conflict.
2. What We Provide
Ezer Kairos Financial Services provides financial planning, tax preparation, tax strategy, bookkeeping, and fractional CFO services to individuals, families, businesses, and nonprofit organizations. The scope of any particular engagement is defined in writing before work begins. Nothing on this website obligates us to accept an engagement, and nothing here creates a client relationship.
3. Website Content Is Not Advice
Articles, service descriptions, and general guidance published here are educational. They are not financial, tax, accounting, investment, or legal advice, and they are not a substitute for advice about your specific circumstances.
Tax law changes, and general information can go out of date quickly. Do not act on anything you read here without confirming how it applies to you. A short conversation costs nothing and is usually the cheaper path.
4. Engagements & Fees
Work begins after both parties sign an engagement letter setting out the scope, the fee, and the timeline. Fees quoted on this site or in conversation are estimates until they appear in that letter.
Invoices are due on the terms stated in the engagement letter. Work outside the agreed scope is quoted separately before it is performed — you will not receive a surprise invoice from us.
5. Your Responsibilities
Our work depends on what you give us. As a client, you agree to:
Provide complete and accurate information, and tell us promptly if something changes.
Respond to document requests in time for us to meet filing deadlines.
Review returns and reports before they are filed or relied upon. You remain responsible for the accuracy of the positions taken on your return.
Retain your own copies of source documents and filed returns.
6. Confidentiality
We hold client information in confidence and disclose it only as described in our Privacy Policy or as required by law. Communications with a tax professional are not protected by attorney-client privilege; a limited federal confidentiality privilege exists for certain tax advice, but it does not extend to return preparation or to criminal matters. If a matter may become contentious, tell us early so counsel can be involved.
7. Intellectual Property
The content, layout, graphics, and name of this website belong to Ezer Kairos Financial Services and are protected by copyright and trademark law. You may read, print, and share pages for personal, non-commercial use. You may not republish, resell, or reproduce our materials commercially without written permission. Working papers we create in the course of an engagement remain our property; your records and filed returns are yours.
8. Acceptable Use
Do not use this site to transmit unlawful, harmful, or misleading material; attempt to gain unauthorized access to our systems or another person’s data; scrape or harvest content by automated means; or interfere with the site’s operation. We may restrict access to anyone who does.
9. Disclaimers
This website is provided “as is.” We make no warranty that it will be uninterrupted, error-free, or that its content is complete or current. To the fullest extent permitted by law, we disclaim all implied warranties, including merchantability and fitness for a particular purpose.
We do not guarantee any particular financial, tax, or business outcome. Refund amounts, tax savings, and results described anywhere on this site are illustrations of past work, not predictions about yours. Links to third-party sites are offered for convenience; we do not control or endorse their content.
10. Limitation of Liability
To the fullest extent permitted by Texas law, Ezer Kairos Financial Services is not liable for indirect, incidental, consequential, or punitive damages arising from your use of this website. Liability arising from a professional engagement is addressed in the engagement letter for that work. Nothing in these terms limits liability that cannot lawfully be limited, including liability for fraud or willful misconduct.
11. Termination
Either party may end an engagement in writing. If that happens, you owe fees for work completed to that point, and we will return your records and provide a reasonable handoff to your next advisor. We may decline or withdraw from an engagement where continuing would violate professional standards or our own conscience.
12. Governing Law
These terms are governed by the laws of the State of Texas, without regard to conflict-of-law rules. Any dispute will be brought in the state or federal courts located in Collin County, Texas, and both parties consent to that jurisdiction. If any provision is found unenforceable, the rest remains in effect.
13. Changes to These Terms
We may revise these terms from time to time. The effective date at the top reflects the current version, and continued use of the site after a change means you accept it.
14. Contact Us
If anything here is unclear, ask. We would rather explain it now than argue about it later.
