Terms Of Service

Effective Date: November 1, 2025

1. Agreement to Terms

By accessing and using finctx.com (the “Website”), you agree to be bound by these Terms of Service. If you do not agree with these terms, please do not use this Website.

We reserve the right to modify these terms at any time. Changes take effect immediately upon posting. Your continued use means you accept the updated terms.

2. Use License

You Are Allowed To:

  • View and read our content for personal, non-commercial use
  • Share articles on social media with attribution
  • Print articles for personal reference
  • Subscribe to our newsletter
  • Use our free resources and tools

You Are NOT Allowed To:

  • Copy, reproduce, or republish our content without permission
  • Sell or commercialize our content
  • Create derivative works from our content
  • Remove copyright notices or attributions
  • Use content on other websites or blogs
  • Scrape or automate content collection
  • Use our content for commercial purposes
  • Modify or alter our content

3. Educational Content Only

IMPORTANT DISCLAIMER:

FINCTx provides EDUCATIONAL CONTENT ONLY. This is NOT:

  • Professional tax advice
  • Tax preparation or filing guidance
  • Financial advice or recommendations
  • Legal advice or counsel
  • Investment advice
  • Personalized professional services

No Professional Relationship

Using this Website does NOT create:

  • An attorney-client relationship
  • A tax professional-client relationship
  • A financial advisor-client relationship
  • Any professional services relationship

You Must Consult Professionals

BEFORE taking any action based on information from this Website:

  • Consult a qualified tax professional (CPA, tax attorney, or Enrolled Agent)
  • Consult a financial advisor for financial decisions
  • Consult an attorney for legal matters
  • Verify all information with current IRS guidance
  • Consider your individual circumstances

We are not responsible for:

  • Tax bills or penalties resulting from your actions
  • Incorrect tax filings
  • Missed deadlines
  • Financial losses
  • Any consequences of using this Website

4. Accuracy and Currency

We Strive for Accuracy

We work hard to provide accurate, well-researched information.

However:

  • We do not guarantee accuracy or completeness
  • Information may contain errors or omissions
  • Tax laws change frequently and may not be immediately reflected
  • Information may become outdated
  • Your individual situation may be different

Tax Laws Change

Tax regulations change constantly:

  • New laws and regulations are enacted regularly
  • Court rulings may affect tax treatment
  • Guidance from the IRS is updated frequently
  • Your situation may not be covered by our general information
  • Always verify current information before taking action

5. Limitation of Liability

We Are NOT Liable For:

  • Financial losses or tax bills resulting from using this Website
  • Tax penalties, interest, or enforcement actions
  • Incorrect or incomplete information
  • Reliance on outdated information
  • Application of general information to your specific situation
  • Missed opportunities or tax planning opportunities
  • Any damages of any kind arising from Website use

Even If:

  • We knew damages could occur
  • The damages were predictable
  • We were negligent
  • You followed our recommendations
  • You consulted with others

We are not liable.

You Accept All Risk

By using this Website, you accept all risk associated with:

  • Your use of the Website
  • Application of information to your situation
  • Any financial or tax consequences
  • Any actions you take based on our content

6. No Guarantees

We Make No Warranties

The Website and all content are provided “AS IS” without any warranties:

  • No warranty that information is accurate or complete
  • No warranty that the Website will be error-free
  • No warranty that the Website will be uninterrupted
  • No warranty about any particular results
  • No warranty that strategies will work for your situation
  • No warranty about tax outcomes

Tax Results Not Guaranteed

  • Following our guidance does not guarantee tax savings
  • Strategies may not apply to your specific situation
  • Results depend on your individual circumstances
  • Tax outcomes depend on IRS interpretation
  • We cannot predict IRS decisions or audits

7. Third-Party Links

Our website may contain links to third-party websites and resources:

  • We do not control third-party content
  • We are not responsible for third-party websites
  • We do not endorse third-party websites or services
  • Your use of third-party websites is at your own risk
  • Review their terms and privacy policies

8. Your Content / Comments

If you post comments or submit content to our website:

  • You are solely responsible for your content
  • You grant us permission to use your content
  • You warrant you own or have rights to your content
  • Your content must not violate any laws or third-party rights
  • We may remove, edit, or decline to post content
  • We are not obligated to post all submissions

9. Email Communications

Newsletter Subscription

  • By subscribing, you consent to receive emails from us
  • You can unsubscribe at any time using the unsubscribe link in emails
  • We comply with CAN-SPAM Act requirements
  • We will not spam you or sell your email

Types of Emails

  • Newsletter content and updates
  • Responses to your inquiries
  • Administrative notices
  • Special announcements

Opt-Out

  • Click “Unsubscribe” in any email
  • Or email us with “Unsubscribe” in the subject line
  • You will be removed within 48 hours

10. Prohibited Activities

You agree NOT to:

Illegal Activities

  • Use the Website for any illegal purpose
  • Violate any applicable laws
  • Engage in fraud or deception
  • Commit tax fraud or evasion

Disruptive Activities

  • Hack or gain unauthorized access
  • Introduce viruses or malware
  • Overload servers with excessive requests
  • Interfere with Website operations

Abusive Behavior

  • Harass or threaten anyone
  • Post hate speech or discriminatory content
  • Engage in cyberbullying
  • Spam or flood the Website

Intellectual Property Violations

  • Infringe copyrights or trademarks
  • Plagiarize or claim authorship of others’ work
  • Violate others’ privacy or publicity rights

11. Termination

We reserve the right to:

  • Suspend or terminate your access
  • Remove your content or comments
  • Ban your email address
  • Disable your account

Grounds include:

  • Violation of these terms
  • Illegal activities
  • Abusive behavior
  • Threats or harassment
  • Repeated violations

12. Intellectual Property

Our Content

All content on FINCTx is owned by or licensed to us:

  • Articles, guides, and blog posts
  • Graphics, images, and illustrations
  • Videos and multimedia
  • Design and layout
  • Tools and calculators

Copyright Protection

All content is protected by copyright and intellectual property laws. Unauthorized copying or use is prohibited.

Permission Requests

To use our content beyond personal use:

  • Email: admin@finctx.com
  • Subject: “Content Permission Request”
  • Describe your intended use
  • We may grant or deny permission

13. Your Privacy

  • Your use of the Website is governed by our Privacy Policy
  • We collect and use data as described in our Privacy Policy
  • You consent to our data practices by using the Website
  • Review the Privacy Policy for complete details

14. Governing Law

These terms are governed by the laws, without regard to conflict of law principles.

Any legal action shall be brought in the courts located in [Your Jurisdiction].

You consent to the jurisdiction and venue of these courts.

15. Severability

If any provision of these terms is found to be invalid or unenforceable:

  • The provision will be modified to the minimum extent to make it valid
  • If modification is not possible, the provision will be severed
  • All other terms remain in full force and effect

16. Entire Agreement

These Terms of Service, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and FINCTx.

These terms supersede all prior agreements, understandings, and communications.

17. Changes to Terms

We may update these Terms of Service at any time:

  • Changes are effective immediately upon posting
  • The “Last Updated” date will be revised
  • Continued use after changes means you accept them
  • For material changes, we may notify subscribers via email

18. Tax and Financial Information Notice

This Is NOT Tax Advice

The content on FINCTx is educational only:

  • Not a substitute for professional tax advice
  • Not personalized to your situation
  • May not reflect your individual tax circumstances
  • Tax laws change, and information may be outdated
  • Do not rely on this information to file taxes or make decisions

Consult Professionals

Before:

  • Filing your tax return
  • Making tax planning decisions
  • Implementing any strategy
  • Taking financial action
  • Facing an audit or tax dispute

Consult with qualified tax professionals, financial advisors, or attorneys.

IRS and Tax Obligations

  • You are responsible for accurate and timely tax filing
  • Non-compliance can result in penalties and interest
  • The IRS actively enforces tax laws
  • Penalties can be substantial
  • Consult professionals if you have tax concerns

19. Limitation on Email Communications

We provide educational content via email newsletter. The terms in Section 3 (Educational Content Only) apply to all email communications.

Emails are NOT:

  • Professional advice
  • Personalized guidance
  • Recommendations for your situation
  • A substitute for professional consultation

20. Disclaimers and Notices

No Personal Advice

Everything on FINCTx is general information. Your situation may be different.

No Guarantees

We cannot guarantee results, tax outcomes, or financial performance.

Professional Consultation Essential

Always consult qualified professionals before taking action.

Laws Change

Tax laws and regulations change frequently. Information may be outdated.

At Your Own Risk

You use this Website at your own risk. We are not liable for any consequences.

21. Contact Information

Questions About These Terms

Email: admin@finctx.com

Response Time: 5-7 business days

Acknowledgment

BY USING FINCTx, YOU ACKNOWLEDGE THAT:

✓ You have read and understood these Terms of Service
✓ You agree to be bound by these terms
✓ You understand content is educational only
✓ You understand we do not provide professional services
✓ You will consult professionals for your specific situation
✓ You assume all risk associated with Website use
✓ You understand our liability limitations
✓ You will not hold us liable for any damages

If you do not agree with these terms, DO NOT use this Website.

Last Updated: November 1, 2025

Quick Summary

What You Can Do:

  • Read and share our content
  • Subscribe to our newsletter
  • Use our free resources
  • Contact us with questions

What You Cannot Do:

  • Copy or republish content
  • Use for commercial purposes
  • Remove attributions or copyrights
  • Hack or disrupt the Website
  • Engage in illegal activities

Critical Understanding:

  • This is educational content only
  • We do NOT provide professional services
  • You MUST consult professionals before acting
  • We are NOT liable for any consequences
  • Tax laws change frequently
  • Your situation may be unique and different

Bottom Line:
Use FINCTx as an educational resource. Consult qualified professionals for your specific situation. We’re here to educate, not to advise.

These Terms of Service are designed to protect both FINCTx and our users. By using this Website, you accept these terms in full.

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