GENERAL DISCLOSURES — TAX SERVICE LIVE

1. Taxpayers are responsible for the accuracy of all information submitted.
While Tax Service Live prepares and files your return based on the documents you provide, you are legally responsible for ensuring all information submitted to the IRS is truthful, complete, and accurate. Please review your return carefully before signing.

2. Additional documentation may be required to comply with IRS due diligence.
Depending on your filing situation, additional documents may be requested to verify income, dependents, residency, credits, or self-employment activity. These requests are for compliance and protection and do not imply wrongdoing.

3. Filing times and refund dates are not guaranteed.
Tax Service Live cannot guarantee refund dates. IRS processing may be delayed due to income verification, identity checks, backlogs, audits, system errors, or credit-related reviews.

4. Fees for optional products are paid to third-party vendors.
Identity Protection, Audit Protection, bank fees, service bureau fees, and transmitter fees are collected by third-party service providers—not Tax Service Live—and are therefore non-refundable and non-negotiable.

5. Tax preparation fees cover labor, analysis, and IRS compliance—not refund outcomes.
Your fee compensates us for our professional time, expertise, and due diligence requirements. IRS adjustments, offsets, or refund reductions do not alter the preparation fee.

6. Refund transfers and bank products are optional.
If you choose to have your tax preparation fee deducted from your refund, additional bank product fees will apply. You may choose to pay upfront to avoid these fees.

7. Prior-year balances or outstanding debts may affect refund disbursement.
IRS or state agencies may reduce your refund due to debts such as child support, student loans, tax balances, or other federal/state offsets. These actions are outside of TSL’s control.

8. Audit assistance is limited unless Audit Protection is purchased.
Basic support is included for returns filed through TSL, but formal audit representation or extended document preparation requires the Audit Protection product or additional service fees.

9. Tax laws and IRS regulations may change without notice.
TSL prepares your return based on current tax law at the time of filing. If the IRS updates regulations, interpretations, or guidelines, additional steps or documentation may become necessary.

10. Communication timelines depend on client responsiveness.
Your filing process and turnaround time depend heavily on how quickly required documents and signatures are provided. Delays in client communication can affect filing timelines.

11. Electronic filing requires your authorization and identity verification.
Your return cannot be filed without your signed consent (Form 8879) and appropriate identification. Digital signatures must be completed through our secure system.

12. Business, self-employment, and investment returns require accurate bookkeeping totals.
Self-employed clients must provide actual income and expense totals. Estimates may result in incorrect filings or IRS inquiries.

13. TSL reserves the right to decline or disengage from any filing that presents ethical or compliance concerns.
If information appears fraudulent, unverifiable, or inconsistent with IRS regulations, TSL may refuse or discontinue service.

14. All communication may be stored for compliance purposes.
To meet IRS requirements, certain documents, communications, and records may be securely stored and retained for due diligence.

15. Extensions provide more time to file, not more time to pay.
If you owe taxes, payment must still be made by April 15th, even if an extension is filed. Penalties and interest may apply to unpaid balances.

IRS STANDARD CONSENTS — TAX SERVICE LIVE

1. Consent to Use Tax Return Information
Federal law requires your consent before we can use your tax return information for any purpose other than preparing or filing your return. By giving this consent, you authorize Tax Service Live to use the information from your tax return to provide additional services you request, offer relevant financial products, respond to inquiries about your return, and contact you regarding tax updates or required documentation. This consent is optional and valid for one year unless revoked in writing.

2. Consent to Disclose Tax Return Information
Federal law also requires your consent before we can disclose your tax return information to third parties. By giving this consent, you authorize Tax Service Live to disclose your tax information to software providers, the IRS, state agencies, service processors, banks, audit-protection partners, and any party necessary to prepare, file, process, or support your return. This consent is optional, but without it, certain services—such as refund transfers—may not be available. This consent applies only to the specified tax year.

3. Consent for Refund Transfers and Fee Deduction Products
If you choose to have your tax preparation fees deducted from your refund, you must consent to the disclosure of your information to the bank or processor facilitating this service. By giving this consent, you acknowledge that additional backend fees apply, that these fees will be deducted from your refund, and that processing times are determined by the bank—not Tax Service Live. If you do not consent, you may still file with us, but you must pay your preparation fee upfront.

4. Consent for Electronic Communication (Text, Email, Portal)
By giving this consent, you authorize Tax Service Live to contact you via text message, email, or secure portal for the purpose of requesting documents, sending reminders, delivering updates, sending forms for signature, and communicating tax-related information. You acknowledge that text and email communication may not be encrypted and that you are responsible for safeguarding access to your devices. You may revoke this consent at any time in writing.

REFUND POLICY — TAX SERVICE LIVE

1. Do you offer refunds on tax preparation services?
Tax preparation fees are for professional time, labor, expertise, and administrative processing. Once work has begun on your file, these fees are non-refundable, regardless of whether you choose to continue filing with us or not.

2. What if I decide not to file after my return has already been prepared?
If your return has already been prepared, reviewed, or completed, you are responsible for the preparation fee. This fee covers the time and expertise required to analyze your documents, calculate your return, and ensure IRS compliance—even if you choose not to sign or file.

3. Are backend fees refundable?

Backend fees (such as bank fees, transmitter fees, and service bureau fees) are not collected by Tax Service Live and therefore are non-refundable. These fees are paid directly to third-party processors involved in delivering your refund advance or refund deduction service.

4. Can I get a refund if the IRS reduces, offsets, or delays my refund?

Tax Service Live cannot issue refunds for IRS actions outside of our control, including audits, verifications, offsets, freezes, or delays. Your preparation fee is for the service provided, not the outcome of the IRS’s processing.

5. What if there is an error on my return?
If an error is made by Tax Service Live, we will correct and resubmit your return at no additional charge. Errors caused by incomplete, inaccurate, or missing information provided by the client are not eligible for refunds, and amendment fees may apply.

6. Are quotes refundable?
Quotes are complimentary only for clients who choose to file with Tax Service Live. If you choose not to proceed after receiving your quote, the time invested becomes billable and is non-refundable once invoiced.

7. Are payments for add-on products refundable (Identity or Audit Protection)?
Identity Protection, Audit Protection, and other optional products are provided by third-party vendors and are non-refundable once purchased.

8. What if I paid for an extension and later decide not to file?
Extension fees cover the preparation and submission of the extension itself and are non-refundable. This fee is applied toward your final balance if you continue filing with TSL.

9. How will I know if I qualify for any exceptions?
Exceptions are extremely rare and evaluated on a case-by-case basis. Eligibility is determined solely by Tax Service Live and requires clear evidence of an internal processing error before any adjustment can be considered.