TERMS OF SERVICE

Welcome to SSBA Financial Advisory INC (“Company,” “SSBA,” “we,” “our,” or “us”). These Terms of Service (“Terms”) govern your access to and use of our website located at https://ssbafa.com and our related services.

By accessing or using our website and services, you agree to be bound by these Terms.

1. Company Information

SSBA Financial Advisory INC is a corporation registered in the United States.

Business Address: 8 The Green STE R, Dover, DE 19901

Official Email: filing@taxbuddy.com

Website: https://ssbafa.com

We provide U.S. tax preparation, tax advisory, tax resolution, IRS correspondence handling, financial advisory, and related compliance services.

2. Eligibility

You must be at least 18 years old and legally capable of entering into binding contracts under applicable law to use our services.

By using our services, you represent and warrant that:

• All information provided is true and accurate.

• You are authorized to provide any tax or financial data submitted.

• You are not using the services for unlawful purposes.

3. Scope of Services

SSBA provides services including but not limited to:

• U.S. Federal and State Tax Return Preparation
• IRS Notice and Correspondence Handling
• Tax Resolution Services
• Tax Planning & Advisory
• Financial Planning Advisory
• Compliance Support Services

The exact scope of services will be defined in a separate Engagement Letter or Service Agreement, where applicable.

4. No Legal or Investment Advice

Unless explicitly stated in a separate written agreement:

• We do not provide legal advice.
• We provide financial planning and tax advisory services, but these recommendations are based solely on information you provide.
• We do not provide regulated investment advisory services unless separately contracted.

You are responsible for reviewing all tax returns and financial planning recommendations before submission or implementation.

5. Client Responsibilities

You agree to:

• Provide complete, accurate, and timely information.
• Respond promptly to requests for documentation.
• Review all filings before approval.
• Pay fees in accordance with agreed terms.
• We are not responsible for penalties, interest, or errors resulting from incomplete or inaccurate information provided by you.

6. Fees and Payments

Fees for services will be communicated separately via invoice, proposal, or engagement letter.

• All fees are due as specified.

• Failure to pay may result in suspension of services.

• Fees are non-refundable once services have been substantially performed.

7. Confidentiality

We maintain strict confidentiality of client information in accordance with:

• Applicable U.S. federal and state laws

• IRS confidentiality rules (Internal Revenue Code §7216)

• The Gramm-Leach-Bliley Act (GLBA)

Confidential information will not be disclosed except as required by law or with your authorization.

8. Data Security

We implement commercially reasonable administrative, technical, and physical safeguards to protect your information.

However, no electronic transmission or storage system can be guaranteed 100% secure.

9. Electronic Communications

By using our services, you consent to:

• Receiving communications electronically

• Electronic signatures

• Electronic delivery of documents

You are responsible for maintaining updated contact information.

10. Limitation of Liability

To the fullest extent permitted by law:

SSBA Financial Advisory INC shall not be liable for:

• Indirect, incidental, or consequential damages

• Loss of profits or revenue

• Penalties arising from client-provided misinformation

• Delays caused by third-party systems (IRS, state agencies, banks)

Our total liability shall not exceed the fees paid for the specific service giving rise to the claim.

11. Third-Party Services

We may use third-party software providers, e-filing systems, cloud storage providers, or payment processors.

We are not responsible for:

• Service interruptions caused by third parties

• Security practices of external platforms beyond our control

12. Intellectual Property

All content on our website, including:

• Text
• Graphics
• Logos
• Software
• Materials

is the property of SSBA Financial Advisory INC and protected by applicable intellectual property laws.

You may not reproduce or distribute our content without written permission.

13. Termination

We reserve the right to:

• Suspend or terminate services for non-payment
• Refuse service if misuse or unlawful activity is suspected
• Terminate services if required by law

Clients may terminate services in writing, subject to payment for services already performed.

14. Indemnification

You agree to indemnify and hold harmless SSBA Financial Advisory INC from any claims, liabilities, or expenses arising from:

• Inaccurate information provided by you

• Misuse of our services

• Violation of these Terms

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to conflict of law principles.

Any disputes shall be subject to the exclusive jurisdiction of courts located in Delaware.

16. Changes to Terms

We reserve the right to update these Terms at any time.

Continued use of our services after updates constitutes acceptance of the revised Terms.

17. Contact Information

For questions regarding these Terms, please contact:

SSBA Financial Advisory INC

8 The Green STE R Dover, DE 19901

Email: filing@taxbuddy.com

Website: https://ssbafa.com