Terms of Service

Effective Date: April 28, 2026 · Last updated: April 28, 2026

These Terms of Service ("Terms") govern your use of TaxOwl Advisors, operated by CKT Ventures, LLC ("we," "us," or "our"). By engaging TaxOwl Advisors for tax preparation or planning services, you agree to these Terms.

Eligibility

To engage TaxOwl Advisors, you must:

• Be at least 18 years of age, or have a parent/guardian engage on your behalf if filing a minor's return.
• Be authorized to provide the tax information you submit (your own, or for a return where you have the authority to provide such information — e.g., as personal representative of an estate or trustee of a trust).
• Be located in the United States or be a US citizen/resident filing US returns.

We reserve the right to decline service to any prospective client at our sole discretion, including (but not limited to) situations where the engagement falls outside our practice's scope, expertise, or capacity.

Service description

TaxOwl Advisors provides tax and accounting services — federal and state tax preparation, tax strategy, and bookkeeping/accounting engagements — to individuals, freelancers, S-corp owners, partnerships, and small businesses. We do not issue compilation, review, or audit opinions, and we do not provide investment, insurance, or legal advice. Specific services and pricing are described on our pricing page.

You are responsible for:

• Providing complete, accurate, and timely information necessary to prepare your tax returns.
• Reviewing returns we prepare before signing and authorizing e-filing.
• Filing returns by applicable IRS and state deadlines (we cannot file without your authorization).
• Paying any tax due directly to the IRS or state tax authority.
• Maintaining your own records of source documents.

Scope of services and credentials

TaxOwl Advisors preparers hold an active Preparer Tax Identification Number (PTIN) issued by the Internal Revenue Service and an Electronic Filing Identification Number (EFIN). We are not Certified Public Accountants, Enrolled Agents, or attorneys. Our representation rights before the IRS are limited per Treasury Department Circular 230.

We do not provide:

• IRS audit representation, appeals, or tax court representation (referred to credentialed partners).
• Offer in Compromise applications, installment agreement negotiation, or other collection representation work.
• Investment advice, securities recommendations, or insurance products.
• Legal advice or services requiring legal credentials.
• Compilation, review, or audit opinions on financial statements (services that require CPA licensure under state board rules). Our bookkeeping/accounting work is operational — preparing books, reconciling accounts, and generating internal management reports — and is not delivered with a CPA's attestation.

Clients needing services outside our scope are referred to appropriately credentialed professionals.

Pricing and payment

Flat-fee pricing

Services are priced as listed on our pricing page. The flat fee quoted is the price you pay for in-scope work. If scope expands during preparation, we notify you in writing before performing additional work.

Founding Member pricing

The first 50 households to engage TaxOwl Advisors before April 15, 2027 lock in a perpetual 15% discount on individual return packages. Founding Member status remains in effect as long as the client is continuously engaged. The Founding Member rate is exclusive of other discounts except the $50 referral credit.

Payment

Payment is due upon receipt of invoice. Work begins once payment and complete documents are received and the engagement letter is signed. We accept payment via Stripe (credit card, debit card).

Engagement letter

All client work is governed by a written engagement letter that must be signed before we begin. The engagement letter sets out specific scope, fees, payment terms, dispute resolution, and termination rights for your engagement. The engagement letter supersedes these Terms of Service where the two conflict.

Refund and cancellation

• Before work begins: Full refund.
• After work has begun: Fees for work performed in good faith are non-refundable. If you believe our work was deficient, the dispute resolution process described in your engagement letter governs.
• If we discontinue your engagement mid-preparation: We refund the prorated balance of fees paid for work not yet performed.
• Chargebacks: Filing a chargeback after work has begun constitutes a breach of these Terms and your engagement letter, and may result in immediate termination and collection action.

Service standards

• Standard turnaround: 7-10 business days after all required documents are received.
• Rush service: Not available.
• Communication: We communicate primarily via text and email. Engaged clients receive year-round access for tax-related questions.
• Responsiveness: Response time during peak filing season (January-April) may be longer than off-season. Premium-tier clients receive priority same-business-day response.

Termination

By you

You may terminate our engagement at any time by written notice. Fees for work completed prior to termination remain payable.

By us

We may suspend or terminate our engagement if you:

• Provide false or materially incomplete information.
• Fail to pay invoices when due.
• Engage in fraudulent or illegal activity.
• Are abusive or threatening to our staff.
• Request work that violates IRS regulations or Treasury Circular 230.

Intellectual property

TaxOwl Advisors, our logo, and related branding are the property of CKT Ventures, LLC. You may not use our trademarks without written permission.

Limitation of liability

Our total liability for any claim arising out of or related to our services is limited to the amount you paid us for the specific engagement giving rise to the claim. We are not liable for:

• Tax positions you direct us to take that we have advised against in writing.
• Penalties or interest resulting from your failure to provide complete or timely information.
• Lost revenue, business opportunities, or consequential damages.
• Issues arising from changes in tax law after the return is filed.
• Errors in source documents you provided to us.

Past results do not guarantee future outcomes. Tax outcomes depend on each client's specific facts, applicable law at the time of filing, and timely delivery of accurate information.

Indemnification

You agree to indemnify CKT Ventures, LLC against claims arising from:

• Information you provided that turns out to be false or materially incomplete.
• Tax positions you directed us to take.
• Your violation of these Terms or applicable law.

Dispute resolution

Any disputes will first be addressed through good-faith communication between the client and TaxOwl Advisors. If the dispute cannot be resolved through direct communication, it will be resolved through binding arbitration in Tampa, Florida, under the rules of the American Arbitration Association. You waive any right to participate in class actions.

Florida residents

TaxOwl Advisors is a Florida limited liability company. Florida consumers have rights under the Florida Deceptive and Unfair Trade Practices Act (FDUTPA). The dispute resolution process described above and in your engagement letter applies.

Changes to terms

We may update these Terms from time to time. Continued use of TaxOwl Advisors after changes constitutes acceptance. Changes do not retroactively modify the terms of existing engagements; the engagement letter you signed governs your existing engagement.

Contact us

For corrections or additional questions, email hello@taxowladvisors.com.