Disclaimer

FINCTx

Effective Date: November 1, 2025

Please read this Disclaimer carefully before using finctx.com. By accessing and using this Website, you acknowledge that you have read, understood, and agree to be bound by all disclaimers, limitations, and conditions contained herein.

1. EDUCATIONAL CONTENT ONLY

1.1 Not Professional Advice

finctx.com provides EDUCATIONAL CONTENT ONLY. The information on this Website is NOT:

  • Professional tax advice or tax planning
  • Professional financial advice or financial planning
  • Professional investment recommendations or investment advice
  • Professional accounting services or accounting advice
  • Professional legal advice or legal counsel
  • Personalized guidance for your specific situation
  • A substitute for professional services from qualified professionals

1.2 No Professional Relationship Created

Using finctx.com does NOT create:

  • An accountant-client relationship
  • A tax professional-client relationship
  • A financial advisor-client relationship
  • An attorney-client relationship
  • Any fiduciary duty or obligation
  • Any professional services relationship of any kind

You are NOT our client, and we are NOT your professional advisor simply because you visit this Website.

1.3 Educational Purpose Only

All content on finctx.com is provided for educational and informational purposes to help you understand general tax, finance, and business concepts. It is not tailored to your specific situation and may not apply to your circumstances.

2. YOU MUST CONSULT PROFESSIONALS

2.1 Before Taking ANY Action

BEFORE implementing any strategy, decision, or action based on information from finctx.com, you MUST consult with qualified professionals:

For Tax Matters:

  • Consult a Certified Public Accountant (CPA)
  • Consult a Tax Attorney
  • Consult an Enrolled Agent (EA)
  • Consult a qualified tax professional in your jurisdiction

For Financial Matters:

  • Consult a Registered Financial Advisor
  • Consult a Certified Financial Planner (CFP)
  • Consult a qualified financial professional

For Legal Matters:

  • Consult an Attorney licensed in your jurisdiction
  • Consult a qualified legal professional familiar with your situation

For Business Matters:

  • Consult a business consultant or advisor
  • Consult with your business attorney
  • Consult with accounting professionals

2.2 Your Specific Situation

Every individual, business, and situation is unique. Your tax situation, financial situation, business structure, and personal circumstances may differ significantly from general information on this Website. Only a professional who understands YOUR COMPLETE SITUATION can provide advice specific to you.

Do not assume information applies to you without professional consultation.

3. ACCURACY AND CURRENCY DISCLAIMER

3.1 No Guarantee of Accuracy

While finctx.com strives to provide accurate, well-researched information:

  • We do NOT guarantee accuracy or completeness of any information
  • Information may contain errors or omissions
  • Information may be incomplete or outdated
  • Your reliance on information is at your own risk
  • You assume all responsibility for accuracy verification

3.2 Tax Laws Change Frequently

CRITICAL: Tax laws, regulations, and IRS guidance change frequently and constantly:

  • New laws are enacted regularly
  • Regulations are updated and clarified continuously
  • IRS rulings and guidance change
  • Court decisions may change tax treatment
  • Information on this Website may not reflect the most current laws
  • Consult current IRS guidance and professional advisors before implementing any tax strategy

3.3 Individual Circumstances Vary

Tax treatment, financial strategies, and business structures depend entirely on individual facts and circumstances:

  • Your income level, deductions, and filing status affect your taxes
  • Your business structure affects your tax obligations
  • Your state and local jurisdiction affects your taxes
  • Your specific facts may create unique tax treatment
  • General information cannot account for your specific situation

Information on this Website is general in nature and may not apply to your circumstances.

4. NO WARRANTIES OR GUARANTEES

4.1 Express Disclaimer of Warranties

finctx.com makes NO warranties or guarantees of any kind, including:

  • No warranty that information is accurate, complete, or up-to-date
  • No warranty that information is suitable for any particular purpose
  • No warranty that the Website will be error-free or uninterrupted
  • No warranty that defects will be corrected
  • No warranty about any specific results or outcomes
  • No warranty that strategies will work in your situation
  • No warranty that tax savings will be achieved
  • No warranty that information will not cause financial loss

ALL CONTENT IS PROVIDED “AS IS” WITHOUT ANY WARRANTIES.

4.2 No Guarantees on Results

  • No guaranteed tax savings – Following information on this Website does not guarantee tax savings
  • No guaranteed financial results – Financial strategies may not produce expected returns
  • No guaranteed business outcomes – Business strategies may not succeed
  • No guaranteed compliance – Following general information does not guarantee IRS compliance
  • No guaranteed audit success – No strategy guarantees you won’t be audited

5. LIMITATION OF LIABILITY

5.1 We Are NOT Liable For

TO THE FULLEST EXTENT PERMITTED BY LAW, finctx.com, its owners, operators, employees, agents, and service providers are NOT liable for:

  • Tax bills, penalties, or interest resulting from use of this Website
  • Financial losses of any kind resulting from use of this Website
  • Incorrect tax filing or missed tax deadlines
  • Missed tax planning opportunities
  • Incorrect cost basis calculations
  • Inaccurate or incomplete information on the Website
  • Your reliance on information from the Website
  • Any damages of any kind arising from Website use

5.2 Even If

We are not liable even if:

  • We knew damages could occur
  • Damages were predictable
  • We were negligent or made mistakes
  • You followed our information exactly
  • You consulted with others about our information
  • You took action based on our content

5.3 You Accept All Risk

By using finctx.com, you accept all risk associated with:

  • Your use of the Website
  • Application of information to your situation
  • Any financial, tax, or legal consequences
  • Any actions you take based on our content
  • Any outcomes resulting from your decisions

6. TAX COMPLIANCE WARNINGS

6.1 You Are Responsible for Tax Compliance

YOU are solely responsible for:

  • Filing accurate tax returns
  • Reporting all income
  • Claiming only legitimate deductions and credits
  • Maintaining required records
  • Paying taxes owed on time
  • Complying with all tax laws and regulations
  • Reporting all taxable events (trades, income, etc.)

finctx.com does NOT prepare tax returns, file taxes, or ensure your compliance.

6.2 IRS Penalties and Interest

Failure to comply with tax laws can result in:

  • Accuracy-related penalties: 20% of underpaid taxes
  • Failure-to-pay penalties: 0.5% per month (up to 25%)
  • Negligence penalties: 20% of underpaid taxes
  • Fraud penalties: Up to 75% of unpaid taxes
  • Criminal penalties: Fines and imprisonment for tax fraud
  • Interest accrual: Compounds daily at IRS rates (currently ~8%+)
  • Statute of limitations: IRS can pursue 3-6 years (or indefinitely for fraud)

6.3 Audit Risk

  • The IRS actively audits tax returns, especially for high-income earners and business owners
  • Audits are time-consuming and costly
  • Without proper documentation and records, audit defense is difficult
  • Penalties and interest compound quickly during audits
  • Professional representation is expensive

7. FINANCIAL LOSSES DISCLAIMER

7.1 Investment and Financial Risk

If information on finctx.com involves investments, trading, or financial strategies:

  • Investments carry risk, including loss of principal
  • Past performance is not indicative of future results
  • Market conditions change and affect returns
  • You could lose your entire investment
  • Different investments have different risk levels
  • We do NOT guarantee returns or performance

7.2 Cryptocurrency Specific Warnings

If information involves cryptocurrency:

  • Cryptocurrency is highly volatile – Prices change rapidly
  • Cryptocurrency can become worthless – Total loss is possible
  • Cryptocurrency is speculative – No guaranteed returns
  • Tax treatment is complex and evolving
  • You may face audit risk if incorrect reporting
  • Lost cryptocurrency is difficult to recover
  • Exchanges can fail – Funds may be lost

7.3 Business and Entrepreneurship Risk

If information involves starting a business:

  • Most businesses fail – 20% fail in first year, 50% within 5 years
  • Business ownership is risky – You could lose your entire investment
  • Income is not guaranteed – Especially in early years
  • Debt and liability risk – Personal assets may be at risk

8. SPECIFIC DISCLAIMERS BY TOPIC

8.1 Cryptocurrency Tax Content

If you have cryptocurrency:

  • The IRS actively enforces crypto tax reporting
  • Every transaction may be a taxable event
  • Failure to report can result in severe penalties
  • Record-keeping is difficult but essential
  • Tax treatment is still evolving
  • Consult a crypto tax specialist before filing

8.2 Self-Employment and Business Tax Content

If you are self-employed or own a business:

  • Your tax situation is complex and unique
  • Different business structures have different tax treatments
  • Estimated quarterly taxes are required in many situations
  • Self-employment tax is higher than employee tax
  • Consult a CPA or tax attorney about your specific business structure

8.3 Retirement Planning Content

If information involves retirement planning:

  • Retirement planning is complex and individual
  • Contribution limits and eligibility vary by situation
  • Early withdrawal penalties and rules are strict
  • Tax treatment varies by account type
  • Consult a financial advisor before making retirement decisions

8.4 Real Estate and 1031 Exchange Content

If information involves real estate or 1031 exchanges:

  • 1031 exchanges have strict timing and procedural requirements
  • One mistake can disqualify the exchange
  • State laws vary for real estate
  • Professional guidance is essential
  • Consult a qualified 1031 exchange specialist before proceeding

9. THIRD-PARTY CONTENT AND LINKS

9.1 External Links

This Website may contain links to third-party websites and resources:

  • We do NOT control third-party content
  • We are NOT responsible for third-party accuracy or practices
  • We do NOT endorse third-party websites
  • Review third-party privacy policies before providing information
  • Your use of third-party sites is at your own risk

9.2 Third-Party Products and Services

If we mention or link to third-party products or services:

  • We may have affiliate relationships or receive compensation
  • This does NOT affect the accuracy of information
  • We do NOT guarantee the quality or appropriateness of third-party services
  • Research independently before purchasing

9.3 Affiliate Disclosures

finctx.com may earn commissions if you purchase products or services through our links. This does NOT affect your cost and does NOT bias our recommendations. We disclose affiliate relationships as required by law.

10. CHILDREN’S PRIVACY AND USE

10.1 Age Restrictions

This Website is intended for adults age 18 and older. We do NOT knowingly collect information from children under 13.

10.2 Parent/Guardian Responsibility

If a minor accesses this Website, parents and guardians are responsible for supervising use and ensuring compliance with all disclaimers.

11. MODIFICATIONS TO DISCLAIMER

11.1 Right to Change

finctx.com reserves the right to modify this Disclaimer at any time:

  • Changes are effective immediately upon posting
  • Continued use means you accept updated disclaimer
  • Check back regularly for updates
  • We may or may not notify of changes

11.2 Outdated Disclaimer

If this Disclaimer is outdated or you notice errors, contact us immediately at admin@finctx.com.

12. GOVERNING LAW

12.1 Jurisdiction

This Disclaimer is governed by the laws, without regard to conflict of law principles.

12.2 Dispute Resolution

Any disputes arising from this Website or Disclaimer shall be resolved in the courts of [Your Jurisdiction].

13. SEVERABILITY

If any provision of this Disclaimer is found invalid or unenforceable:

  • That provision will be modified to the minimum extent to make it valid
  • If modification is impossible, the provision will be severed
  • All other provisions remain in full force and effect
  • The validity of remaining provisions is not affected

14. ENTIRE AGREEMENT

This Disclaimer, together with our Privacy Policy and Terms of Service, constitute the entire agreement regarding your use of finctx.com.

All three documents are incorporated by reference and work together.

15. ACKNOWLEDGMENT AND ACCEPTANCE

15.1 Your Agreement

BY ACCESSING AND USING FINCTX.COM, YOU ACKNOWLEDGE AND AGREE THAT:

✓ You have read this entire Disclaimer
✓ You understand all limitations and disclaimers
✓ You understand content is educational only
✓ You understand we do NOT provide professional services
✓ You will consult professionals before taking action
✓ You assume all risk associated with Website use
✓ You accept all limitations of liability
✓ You will not hold finctx.com liable for any damages
✓ You understand tax laws are complex and individual
✓ You accept responsibility for your financial and tax decisions

15.2 Non-Agreement

If you do NOT agree with this Disclaimer:

STOP using finctx.com immediately. DO NOT continue reading articles or using the Website if you disagree with any provision.

16. CONTACT FOR DISCLAIMER QUESTIONS

If you have questions about this Disclaimer:

mail: admin@finctx.com

Response Time: 5-7 business days

FINAL NOTICE

This Website Does NOT Provide Professional Services

REMINDER: finctx.com does NOT:

  • Prepare tax returns
  • Provide tax advice
  • Prepare financial plans
  • Provide financial advice
  • Prepare accounting records
  • Provide accounting services
  • Provide legal advice
  • Represent you in any capacity

We are an educational blog. For professional services, you must hire licensed professionals.

Professional Services Required

For any important financial, tax, or legal decision:

CONSULT WITH QUALIFIED PROFESSIONALS WHO:

  • Are licensed in your jurisdiction
  • Understand your complete situation
  • Have relevant expertise
  • Can provide specific guidance

Professional help is not optional for complex situations, it’s essential.

CRITICAL WARNING

The information on finctx.com could result in:

  • Incorrect tax filing
  • Missed tax deductions worth thousands
  • IRS penalties and interest
  • Business failures
  • Financial losses
  • Legal problems

These consequences require professional guidance to avoid.

Do not rely solely on this Website for important decisions.

Last Updated: November 1, 2025

This Disclaimer is designed to protect both finctx.com and its users. It outlines the limitations of our content and your responsibilities as a Website user. Read it carefully and understand it completely.

If you do not understand any part of this Disclaimer, consult with a qualified professional before using this Website.

QUESTIONS?

We’re here to help with questions about our Disclaimer or policies.

Contact us at: admin@finctx.com

Subject line: “Disclaimer Question”

We’ll respond within 5-7 business days.

By using finctx.com, you accept this Disclaimer in full.

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