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Profit Solutions - General Terms of Service

Terms of Service

Comprehensive Tax Services Agreement
Effective Date: January 6, 2026
Version: 6.0

These Terms of Service (the “Agreement”) are entered into by and between Profit Solutions Pro Inc., a Florida corporation, registered at 9702 SW 83rd Way, Gainesville, FL 32608, doing business as Profit Solutions (“PS,” “we,” “us,” or “our”) and the individual or entity that accepts these terms (“Client,” “you,” or “your”).

BY ACCEPTING THESE TERMS, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREED TO ALL TERMS AND CONDITIONS OUTLINED HEREIN.

IMPORTANT: THIS AGREEMENT CONTAINS BINDING ARBITRATION PROVISIONS IN SECTION 13. YOU MAY OPT OUT OF ARBITRATION WITHIN 30 DAYS.

1. DEFINITIONS

“Agreement” means these Terms of Service including all engagement agreements and addendums.

“Blueprint” or “WAB” means Wealth Acceleration Blueprint, showing specific tax strategies.

“Bookkeeping Services” means transaction recording, reconciliation, and financial statement preparation.

“Engagement Agreement” means specific service contracts referencing these Terms, including Tax Resolution Engagement Agreement, Tax Architecture Services Engagement Agreement, Tax Optimization Engagement Agreement, Tax Essentials Service Agreement, and Bookkeeping Services Engagement Agreement.

“Power of Attorney” means IRS Form 2848 or state equivalent for representation.

“PTOR” means Preliminary Tax Optimization Report.

“Services” means all services provided by PS across all service lines.

"Tax Architecture Services" means comprehensive tax planning, strategy design, and implementation services including entity optimization, retirement planning, and multi-year tax reduction strategies as detailed in Section 2.2A.

"Tax Essentials Services" means integrated monthly bookkeeping, quarterly tax planning, and annual tax return preparation services as detailed in Section 2.3.

"Tax Resolution Services" means IRS/state tax controversy and collection matters.

"Tax Optimization Services" means proprietary tax planning and implementation strategies.

"Work Product" means all deliverables, reports, tax returns, financial statements, and other materials created specifically for Client.

2. SCOPE OF SERVICES

2.1 Tax Resolution Services

Services Include:

Client Understanding:

2.2 Tax Optimization Services

Services Include:

Client Understanding:

2.2A Tax Architecture Services

Services Include:

Fee Structure:

Client Understanding:

Service Limitations:

Implementation Requirements:

2.3 Tax Essentials Services

2.3.1 What We Do

Profit Solutions provides comprehensive accounting, bookkeeping, and tax services under the Tax Essentials program, including:

2.3.2 What We Don't Do

Unless separately agreed in writing, Tax Essentials does NOT include:

2.3.3 Service Delivery Model

We use a team-based approach with multiple quality control layers:

You acknowledge and accept this service delivery model as part of our ability to provide high-quality services at competitive pricing.

2.3.4 Service Tier & Pricing

Tax Essentials is offered in two tiers based on annual net profit:

Tier 1: $780/month ($9,360/year)

Tier 2: $1,230/month ($14,760/year)

This fee includes all services listed in Section 2.3.1, including QuickBooks Online subscription.

2.3.5 Data Access Requirements - CRITICAL

CRITICAL: Accurate bookkeeping and tax preparation require continuous access to your complete financial transaction data.

2.3.5.1 The Critical Importance of Data Access

Professional bookkeeping and tax preparation is impossible without continuous, complete access to your financial transaction data. Unlike traditional accounting where you "deliver a shoebox of receipts once a year," modern accounting requires real-time or near-real-time data access to provide the proactive, year-round tax planning that is the core value of our Tax Essentials service.

You acknowledge that:

2.3.5.2 Primary Access Method: Automated Bank Feeds

We use secure, bank-level, read-only access to your financial accounts via third-party aggregation services including:

How it works:

Security and privacy:

Your obligations for automated feeds:

You agree to:

2.3.5.3 When Automated Feeds Break

Automated bank feeds occasionally break due to:

When a feed breaks, here's what happens:

Day 0: Automated Detection & Notification

Day 2: Personal Outreach

Day 7: Escalation & Fee Warning

Day 10: Books Marked Incomplete

Day 15: Service Suspension

Day 30: Potential Termination

Critical tax season rules:

If your data access breaks during tax season (January 15 - April 15):

2.3.5.4 Alternative Data Access Methods

If automated feeds are permanently unavailable (your bank doesn't support aggregation, institutional restrictions, etc.), you must use one of the following alternative methods:

Method A: Monthly CSV/QFX File Upload (No Additional Fee)

Requirements:

Process:

Timeline:

This method is included in your monthly fee as long as you comply with the 5th-of-month deadline.

Method B: Manual Data Entry from Statements (Additional Fee)

If you cannot or will not provide files:

Typical time required:

This fee applies because:

Method C: Hybrid Approach

You may use automated feeds for some accounts and manual methods for others (e.g., Plaid for banks, manual upload for one credit card your bank doesn't support). This is acceptable as long as:

2.3.5.5 All Business Accounts Required

You must provide access to:

Partial access = incomplete books. We cannot perform accurate tax planning without complete data.

2.3.5.6 Newly Opened or Closed Accounts

You must notify us within 5 business days of:

Why this matters:

If you open a new account and don't tell us:

Consequences of failure to notify:

2.3.5.7 Your Responsibility for Data Accuracy

While we import transactions automatically, you remain responsible for:

Our role:

Your role:

If automated data is wrong:

Occasionally, banks mis-report transactions (duplicate entries, wrong amounts, delayed postings). If you identify an error:

However, if the error is on your side (you forgot about a transaction, you mis-categorized it in your own records), and we need to research historical data to fix it, we may charge our hourly rate for extensive research (more than 30 minutes).

2.3.5.8 Liability for Data Access Failures

We are not liable for:

You acknowledge that:

Exception:

If automated feeds break due to our error (we failed to monitor, we didn't notify you promptly, we didn't follow up), and this causes issues with your books or taxes, we will work with you to resolve at no additional charge. However, this exception does NOT apply if the root cause is on your side (password change, bank closure, failure to respond to our notifications).

2.3.5.9 Best Practices to Avoid Data Access Issues

To ensure uninterrupted service:

Pro tip: If you know you'll be unavailable (vacation, medical leave, sabbatical), notify us in advance and either:

We work with you. We just need you to meet us halfway.

2.3.6 Agreement Term Options

Tax Essentials is available with two term options:

Option 1: 24-Month Agreement (Most Popular)

Option 2: Month-to-Month Agreement

Why 24 months? Tax strategy requires time to implement. We waive the $3,500 setup fee because the 24-month commitment allows us to recover onboarding costs and deliver results through 2 full tax cycles.

2.4 Bookkeeping and Accounting Services

Services Include:

Service Limitations - CRITICAL:

Transaction Volume Limits:

Software and System Requirements:

Client Responsibilities for Bookkeeping:

Record Retention:

2.5 Tax Return Preparation

Services Include:

Client Understanding:

2.6 Additional Services

As Contracted:

2.7 Service Standards and Disclaimers

PS WILL:

PS DOES NOT GUARANTEE:

2.8 Accessibility

PS provides reasonable accommodations for persons with disabilities in accordance with the Americans with Disabilities Act (ADA) and applicable state laws. Please contact us at accessibility@profitsolutions.com to request accommodations.

2.9 Multiple Service Engagements

When Client engages multiple service lines:

3. CLIENT OBLIGATIONS

3.1 General Obligations - ALL SERVICES

Client SHALL:

Client WARRANTS:

3.2 Tax Resolution Specific Obligations

For Tax Resolution matters, Client MUST:

CRITICAL DEADLINE COMPLIANCE:

IRS and state deadlines are firm and immovable. Failure to provide documents timely may result in:

3.3 Tax Optimization Specific Obligations

For Tax Optimization Services, Client agrees to:

Strategy Implementation:

3.4 Tax Architecture Specific Obligations

For Tax Architecture Services, Client specifically agrees to:

Strategy Implementation Responsibilities:

Critical Deadline Compliance:

Some strategies have firm IRS deadlines that cannot be extended:

Failure to meet critical deadlines may result in:

3.5 Tax Essentials Specific Obligations

For Tax Essentials Services, Client MUST:

Consequences of Data Access Non-Compliance:

Per Section 2.3.5.3, failure to maintain required data access will result in progressive escalation:

3.6 Document Request Compliance - ALL SERVICES

General Document Requirements:

Consequences of Document Delays:

3.7 Approval and Review Process

Client Approval Requirements:

Client Acknowledges:

3.8 Exclusive Use and Confidentiality of Strategies

CLIENT ACKNOWLEDGES AND AGREES:

3.9 Hold Harmless Provision

Client holds PS harmless from ALL claims arising from:

Client Indemnification:

4. FEES AND PAYMENT

4.1 Fee Structure by Service Line

Tax Resolution Services:

Tax Optimization Services:

Tax Architecture Services:

Fee Structure:

Tax Essentials Services:

Bookkeeping Services:

Tax Return Preparation:

Project-Based Services:

Hourly Services:

4.2 Payment Terms and Authorization

Payment Due:

Automatic Payment Authorization:

By accepting any Engagement Agreement, Client irrevocably authorizes PS to:

Credit Card Processing:

Payment Methods Accepted:

4.3 Late Payment and Collection Terms

Late Payment:

NSF and Returned Payments:

Collection Actions:

Client agrees that upon payment default, PS may:

Collection Costs:

Client agrees that upon payment default, PS may:

4.4 Payment Plan Default Provisions

For Services with Payment Plans:

Default Triggers:

Default Consequences - IMMEDIATE:

Post-Default Terms:

Reinstatement:

4.5 Refund Policy

NO REFUNDS EXCEPT AS FOLLOWS:

Services are NON-REFUNDABLE once commenced, except:

Non-Refundable Fees Include:

Pro-Rated Refunds (If Applicable):

Consumer Protection Rights:

4.6 Credit Card Authorization and Chargeback Agreement

Irrevocable Authorization:

Client acknowledges and agrees:

Chargeback Prohibition:

To the fullest extent permitted by law and card network rules:

Chargeback Consequences:

If Client initiates unwarranted chargeback:

Legitimate Disputes:

Client retains right to dispute:

4.7 Payment Card Data Security

PCI-DSS Compliance:

Data Security Measures:

Client Responsibilities:

Data Breach Notification:

4.8 Fee Increases and Modifications

PS reserves right to:

Fee Increase Procedures:

Scope Change Fees:

5. POWER OF ATTORNEY AND REPRESENTATION

5.1 Authorization Required for Tax Resolution

For Tax Resolution Services, Client MUST execute:

POA Timing:

5.2 Scope of Representation Authority

POA authorizes PS to:

POA Limitations - PS NOT Authorized to:

5.3 Representation Standards

PS Will:

PS Will NOT:

5.4 Client Cooperation in Representation

Client Must:

5.5 Withdrawal of Representation

PS may withdraw representation for:

Withdrawal Procedures:

5.6 Tax Optimization, Tax Architecture, and Tax Essentials - No Attorney-Client Privilege

IMPORTANT NOTICE:

If Attorney Services Needed:

6. CONFIDENTIALITY & DATA PROTECTION

6.1 Mutual Confidentiality Obligations

Both Parties Agree:

Confidential Information Includes:

Exceptions - May Disclose When:

6.2 Tax Resolution and Practitioner Confidentiality

Circular 230 Protections:

IRS Requirements:

6.3 Data Security and Protection Measures

PS Implements:

Physical Security:

Third-Party Security:

6.4 Data Breach Notification

In Event of Data Breach Affecting Client Information:

PS Will:

Notice Will Include:

Client Responsibilities After Breach:

6.5 Privacy Policy and Personal Information

Personal Information Collection and Use:

Types of Information Collected:

Information Sharing:

Client Rights:

Data Retention:

6.6 Confidentiality Survival

Confidentiality obligations survive:

7. INTELLECTUAL PROPERTY RIGHTS

7.1 PS Proprietary Property

PS Retains ALL Rights to:

PS Intellectual Property Includes:

Client Acknowledges:

7.2 Client Work Product and Deliverables

Client Owns (After Full Payment):

Conditional Transfer for Swift Site Plan:

Client Does NOT Own:

Conditional Ownership:

7.3 Client License to Use Strategies

Limited License Granted:

For Tax Optimization, Tax Architecture, and Tax Essentials clients with paid services:

Permitted Uses:

Prohibited Uses:

7.4 Proprietary Information Protection

WAB and PTOR Specific:

Tax Essentials Integration Methodology:

Client Agrees NOT to:

7.5 Intellectual Property Violations

Remedies for Violations:

Liquidated Damages:

Client agrees that upon violation:

8. RESTRICTIVE COVENANTS

8.1 Non-Solicitation of Personnel

Client Agrees NOT to:

Scope and Duration:

Permitted Activities:

Liquidated Damages:

8.2 Non-Disparagement

Mutual Non-Disparagement:

Neither Party shall:

Scope and Duration:

Permitted Activities:

Remedies:

8.3 Non-Competition Regarding PS Strategies

Client Agrees NOT to:

Scope:

Permitted Activities:

Clarification:

9. WARRANTIES AND DISCLAIMERS

9.1 PS Limited Warranties

PS Warrants:

PS Does NOT Warrant:

9.2 NO WARRANTIES - AS IS SERVICES

SERVICES PROVIDED "AS IS" WITHOUT WARRANTY OF:

DISCLAIMER OF IMPLIED WARRANTIES:

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PS DISCLAIMS:

9.3 No Guarantees or Promises

PS DOES NOT GUARANTEE:

9.4 Tax Strategy Risk Acknowledgment

CLIENT UNDERSTANDS AND ACKNOWLEDGES:

9.5 Bookkeeping and Tax Essentials Limitations

CLIENT SPECIFICALLY ACKNOWLEDGES:

For Bookkeeping and Tax Essentials Services:

For Tax Essentials Services Specifically:

9.6 Reliance on Client Information

PS Entitled to Rely on:

PS Not Required to:

9.7 Third-Party Reliance

Client Acknowledges:

10. LIMITATION OF LIABILITY

10.1 Maximum Liability Cap

PS'S MAXIMUM AGGREGATE LIABILITY:

Limited to LESSER of:

Cap Applies to:

Exceptions to Cap:

10.2 Excluded Damages - No Consequential Damages

PS NOT LIABLE FOR:

Even If:

10.3 Allocation of Risk

Client Acknowledges:

10.4 Client Indemnification of PS

Client Agrees to Indemnify, Defend, and Hold Harmless:

From All Claims Arising From:

Indemnification Includes:

Defense Cooperation:

10.5 Multiple Claims and Parties

If Multiple Clients or Claims:

10.6 Exclusive Remedy

Client Acknowledges:

11. TERM AND TERMINATION

11.1 Agreement Term

Term Begins:

Term Continues:

11.2 Service-Specific Terms

Tax Resolution Services:

Tax Optimization Services:

Tax Architecture Services:

Tax Essentials Services:

11.3 Client Right to Cancel

Cooling-Off Period (If Applicable):

After Cooling-Off Period:

Termination Notice Requirements:

11.4 PS Termination for Cause

PS May Terminate Immediately for:

Tax Resolution Specific Grounds:

Tax Architecture Specific Grounds:

Tax Essentials Specific Grounds:

Bookkeeping Specific Grounds:

11.5 Effect of Termination

Upon Termination by Either Party:

Financial Obligations:

Service Cessation:

Tax Resolution Specific:

Tax Architecture Specific:

Tax Essentials Specific:

Work Product and Materials:

PS does NOT provide:

Return of Materials:

Bookkeeping and Tax Essentials Transition:

11.6 Survival of Terms

The Following Provisions Survive Termination:

11.7 Post-Termination Obligations

Client Obligations After Termination:

PS Obligations After Termination:

12. COMMUNICATION PREFERENCES AND CONSENT

12.1 Consent to Communications

Client Communication Consent:

Types of Communications:

Essential Service Communications:

Administrative Communications:

Marketing Communications (Separate Opt-In Required):

12.2 Opt-Out Rights

Client May Opt-Out of:

Client CANNOT Opt-Out of:

How to Opt-Out:

Opt-Out Effects:

12.3 Communication Methods and Standards

PS Standard Communication Methods:

Response Time Expectations:

Client Responsibilities:

12.4 TCPA Compliance

Telephone Consumer Protection Act (TCPA):

Express Consent for Marketing:

Call Recording:

12.5 Electronic Delivery and Signatures

Client Consents to:

Electronic Signature Validity:

How to Withdraw Consent to Electronic Delivery:

13. DISPUTE RESOLUTION AND ARBITRATION

13.1 Mandatory Binding Arbitration

ALL DISPUTES SUBJECT TO BINDING ARBITRATION:

Covered Disputes Include:

Exceptions (May Pursue in Court):

13.2 Arbitration Opt-Out

YOU MAY OPT OUT OF ARBITRATION:

Opt-Out Period:

How to Opt Out:

Must send written notice to BOTH:

Email: legal@profitsolutions.com

Mail:

Profit Solutions Pro Inc. Attn: Legal - Arbitration Opt-Out 9702 SW 83rd Way Gainesville, FL 32608

Opt-Out Notice Must Include:

Effect of Opt-Out:

13.3 Arbitration Procedures

Arbitration Administrator:

Location:

Arbitrator Selection:

Arbitration Process:

Costs and Fees:

13.4 Class Action and Jury Trial Waiver

CLIENT EXPRESSLY WAIVES:

Individual Arbitrations Only:

If Class Action Waiver Unenforceable:

13.5 Governing Law and Jurisdiction

Governing Law:

Jurisdiction (If Not Arbitrated):

Choice of Law Acknowledgment:

13.6 Attorney Fees and Costs

Prevailing Party Entitled to:

Prevailing Party Definition:

Fee Shifting Applies to:

13.7 Limitation Period for Claims

ALL CLAIMS MUST BE BROUGHT WITHIN ONE (1) YEAR:

Shorter Than Florida's General Statute:

Exceptions:

13.8 Injunctive Relief

Either Party May Seek Injunctive Relief in Court for:

Injunctive Relief Procedures:

13.9 Confidentiality of Disputes

Arbitration and Litigation Confidentiality:

Exceptions - May Disclose:

14. TAX-SPECIFIC PROVISIONS

14.1 IRS Circular 230 Disclosure and Tax Shelter Provisions

Required IRS Disclosure:

IRS regulations (Circular 230) require this disclosure:

Any tax advice contained in this communication, including attachments and enclosures, is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding tax-related penalties under the Internal Revenue Code or (ii) promoting, marketing, or recommending to another party any tax-related matters addressed herein.

Scope of Disclosure:

Tax Shelter and Reportable Transaction Identification:

PS has responsibility to identify transactions that may constitute "tax shelters" or "reportable transactions" as defined under IRC §6011, §6111, §6112, and Treasury Regulation §1.6011-4

PS will clearly identify any such transactions in written recommendations to Client

Client has obligation to disclose reportable transactions on IRS Form 8886

Types of Reportable Transactions:

Client Disclosure Obligations:

Client is required to disclose reportable transactions on IRS Form 8886 (Reportable Transaction Disclosure Statement) with tax return

Failure to Properly Disclose May Result In:

PS's Role in Reportable Transactions:

14.2 Professional Standards and Licensing

PS Tax Professionals:

Professional Standards Compliance:

Limitations on Tax Positions:

Tax Return Preparation Standards:

14.3 Changes in Tax Law

Tax Law Volatility:

Client Notification:

Strategy Adjustments:

14.4 Audit Defense and IRS Representation

Audit Defense Included (Tax Architecture and Tax Essentials Services):

Audit Defense Process:

Client Cooperation Required:

Audit Outcomes:

14.5 State and Local Tax Matters

State Tax Law Variations:

State Tax Compliance:

Local Tax Considerations:

15. MISCELLANEOUS PROVISIONS

15.1 Entire Agreement

This Agreement Constitutes:

If Any Provision Unenforceable:

15.2 Assignment

Client May NOT Assign:

PS May Assign:

15.3 Force Majeure

Neither Party Liable for Delays Due to:

Effect of Force Majeure:

15.4 Notices

All Notices Must Be:

Notice Addresses:

>PS:

Email: legal@profitsolutions.com
Address: 9702 SW 83rd Way, Gainesville, FL 32608

Client:

Email and address provided in Engagement Agreement

Client Responsibility:

15.5 Waiver

Waiver of Any Provision:

15.6 Headings

Section Headings:

15.7 Counterparts

This Agreement May Be Executed:

15.8 Relationship of Parties

Independent Contractors:

15.9 Third-Party Beneficiaries

No Third-Party Rights:

15.10 Survival

Provisions That Survive Termination:

16. STATE-SPECIFIC PROVISIONS

16.1 California Residents

California Consumer Rights:

16.2 Florida Residents

Florida Consumer Rights:

16.3 Other States

State-Specific Rights:

17. ACKNOWLEDGMENT OF RECEIPT AND UNDERSTANDING

By accepting these Terms of Service, Client acknowledges:

VERSION HISTORY

Version 6.0 (January 6, 2026):

Major comprehensive revision merging Tax Essentials Terms of Service with comprehensive Terms of Se

Key Changes:

Version 5.0 (December 11, 2025):

Version 4.0 (November 10, 2025):

Version 3.0 and Earlier:

CONTACT INFORMATION

PROFIT SOLUTIONS PRO, INC.

Main Office:
9702 SW 83rd Way
Gainesville, FL 32608

Phone:
(888) 450-3451

General Inquiries:
Email: info@profitsolutions.com
Website: www.profitsolutions.com

Service-Specific Contacts:

For Service Issues:
Email: support@profitsolutions.com

Phone: (888) 450-3451

For Billing Questions:
Email: billing@profitsolutions.com
Phone: (888) 450-3451

For Cancellations:
Email: cancellations@profitsolutions.com

For Disputes:
Email: disputes@profitsolutions.com

For Legal Notices:
Email: legal@profitsolutions.com
Address: 9702 SW 83rd Way, Gainesville, FL 32608

For Privacy/Data Concerns:
Email: privacy@profitsolutions.com

For Accessibility Accommodations:
Email: accessibility@profitsolutions.com

For Marketing Opt-Out:
Email: optout@profitsolutions.com

For Arbitration Opt-Out:
Email: legal@profitsolutions.com
Address: Profit Solutions Pro Inc., Attn: Legal - Arbitration Opt-Out, 9702 SW 83rd Way, Gainesville, FL 32608

Professional Staff:
Rick Abdallah, EA, CPA, JD, MBA
Accounting & Tax Director
Email: rick@profitsolutions.com

Business Hours:
Monday - Friday: 9:00 AM - 6:00 PM EST
Saturday - Sunday: Closed

Emergency Contact:
For urgent tax matters during business hours: (888) 450-3451
After hours: Email support@profitsolutions.com (monitored for emergencies)

END OF TERMS OF SERVICE

Version 6.0 | Effective January 6, 2026

DOCUMENT HISTORY

This document represents the comprehensive Terms of Service for all Profit Solutions Pro, Inc. service lines including:

This version supersedes all prior versions and consolidates previously separate Tax Essentials Terms of Service.
This document may be updated from time to time. The current version is always available at:
https://www.profitsolutions.com/terms-and-conditions
For questions about these Terms of Service, contact:
legal@profitsolutions.com
(888) 450-3451
© 2026 Profit Solutions Pro, Inc. All rights reserved.

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