Terms of Service

Last updated October 25, 2026. For new users, these Terms are effective immediately when you accept them.

For users who accepted an earlier version, these Terms apply from October 25, 2026, except Section 18 (Dispute Resolution), which takes effect on November 24, 2026, 30 days after this posting. Until then, the dispute-resolution terms of the earlier version continue to apply. Section 18 does not apply to any dispute already pending (filed in court or arbitration) before it takes effect.

These Terms of Service (the “Terms”) form a binding agreement between Tax Wallet Inc., a Florida corporation (Florida Document No. P23000077808), doing business as TaxWallet (“TaxWallet,” “we,” “us”), and you. If you use TaxWallet on behalf of a business, tax office, firm or other entity, “you” means that entity and you represent that you are authorized to bind it.

1.1 You accept these Terms by (a) checking the box or clicking the button that states you agree, or (b) creating an account, signing in, or otherwise using any TaxWallet website, application, mobile app, API, sandbox, AI assistant or service (the “Services”). We record the version you accepted, the date and time, and the IP address and device used.

1.2 We may change these Terms. Material changes take effect 30 days after notice by email, in-app message or prominent notice on the Services, or when you next accept them, whichever is earlier. If you do not agree, you must stop using the Services before the change takes effect. Continued use after the effective date is acceptance.

1.3 These Terms incorporate by reference the Privacy Policy, Cookie Policy, Acceptable Use Policy, AI Terms, Communications, Text Message & Call Recording Policy, Billing & Refund Policy and E-SIGN Consent, and, for offices and partners, the Office/EFIN Agreement and any partner or service access agreement you sign (together, the “Agreements”). If documents conflict, the more specific signed agreement controls, except that Section 18 controls over any other document on dispute resolution.

2.1 TaxWallet is a technology provider. We provide software, hosting, transmission and related tools. We do not prepare, sign, review or give advice on any tax return, and we are not a party to the relationship between a taxpayer and the tax professional, ERO, service bureau, bank or other independent business that uses the Services (each an “Independent Provider”).

2.2 The preparer is responsible for the return. Each Independent Provider is solely responsible for the returns it prepares or transmits, its advice and conduct, its compliance with Circular 230 (31 C.F.R. Part 10), IRS Publications 1345 and 3112, its PTIN/EFIN/ETIN obligations, due-diligence requirements (including Form 8867), fee disclosures, and every law that applies to it.

2.3 Refund transfers, refund advances and other bank products are offered and decided by the issuing bank, not by TaxWallet. The bank’s terms govern those products.

2.4 If you are a taxpayer, your relationship for tax preparation is with your preparer. Questions or complaints about your return, fees or refund timing go to your preparer or the bank first.

You must be at least 18 and able to form a binding contract. The Services are not directed to children under 13 and we do not knowingly collect their information. You must give accurate information, keep credentials and authenticator devices secure, and notify us immediately of unauthorized use. You are responsible for all activity under your account and credentials, including your staff’s.

We grant you a limited, revocable, non-exclusive, non-transferable license to use the Services under these Terms. You may not: copy, modify, reverse engineer, decompile or disassemble the Services (including obfuscated builds); scrape, crawl or harvest data; circumvent security, rate limits or access controls; resell or sublicense access without our written agreement; use the Services to build a competing product; or use them unlawfully. All rights not granted are reserved.

You must follow the Acceptable Use Policy. You may not submit fraudulent returns, identity-theft returns or false information; misuse another person’s tax information; send unsolicited communications without legally required consent; upload malware; or interfere with the Services. We may suspend access immediately to stop fraud, protect taxpayers, comply with IRS or bank instructions, or protect the Services.

6.1 You keep ownership of the data you submit. You grant us the rights needed to host, process, transmit and secure it to provide the Services.

6.2 We use and disclose tax return information only as permitted by 26 U.S.C. §7216 and 26 C.F.R. §301.7216, and only with consent where consent is required. Independent Providers are responsible for obtaining their own taxpayers’ §7216 consents for their purposes.

6.3 The Privacy Policy describes how we collect, use, share and retain information.

7.1 Fees are as stated in your order, package, office agreement or the Services at purchase. You authorize us and our processors to charge your payment method for fees when due. A chargeback of validly incurred fees is a material breach.

7.2 Business Customers (defined in Section 18): unpaid amounts accrue interest at the lesser of 1.5% per month or the maximum lawful rate, and you agree to pay all costs of collection, including reasonable attorneys’ fees and costs, whether or not suit is filed.

7.3 Refunds. Fees paid to TaxWallet are not refundable, except where the law requires otherwise, where the Billing & Refund Policy or your order expressly provides a refund, or where TaxWallet charged you in error, in which case we will correct the charge. There is no money-back guarantee (see Section 21).

AI features are governed by the AI Terms. AI output may be wrong or incomplete, is not tax, legal or financial advice, and must be reviewed by a qualified person before you rely on it.

The Services connect to third parties (IRS and state e-file systems, banks, payment processors, telecommunication and messaging carriers, AI model providers, social platforms). Their terms and availability are outside our control, and we are not responsible for their acts or omissions.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT AND ACCURACY. WE DO NOT WARRANT UNINTERRUPTED OR ERROR-FREE OPERATION, ANY REFUND AMOUNT OR TIMING, IRS OR BANK ACCEPTANCE, OR ANY TAX OUTCOME.

TO THE MAXIMUM EXTENT PERMITTED BY LAW: (a) WE ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, LOST PROFITS, LOST REFUNDS, PENALTIES OR INTEREST ASSESSED BY ANY TAXING AUTHORITY, OR LOSS OF DATA; AND (b) OUR TOTAL LIABILITY FOR ALL CLAIMS IS LIMITED TO THE GREATER OF THE FEES YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM OR ONE HUNDRED DOLLARS (US$100).

These limits apply to all theories of liability and even if a remedy fails of its essential purpose. Nothing limits liability that cannot be limited by law (for example, fraud or intentional misconduct where the law forbids limitation).

12.1 By you. You will defend, indemnify and hold harmless Tax Wallet Inc., its affiliates and licensors, and their officers, directors, employees and agents from any third-party claim, demand, penalty, loss, cost or expense, including reasonable attorneys’ fees and defense costs, arising from (a) your use of the Services, (b) your breach of the Agreements or of law, (c) data you submit, or (d) your dealings with taxpayers, banks or others. For Consumers (defined in Section 18), this Section 12.1 applies only to the extent permitted by law and does not shift attorneys’ fees in a dispute between you and TaxWallet, which Section 16 governs.

12.2 Independent Providers (offices, EROs, service bureaus, partners). In addition to Section 12.1, you will defend, indemnify and hold harmless TaxWallet from every claim arising from your preparation of returns, your advice, your fees and disclosures, your staff, your conduct with taxpayers, and your regulatory obligations, including claims taxpayers or authorities bring against TaxWallet about your work, and including all defense costs and attorneys’ fees from the first notice of claim. We may choose our own counsel at your expense if your defense is inadequate or conflicted.

13.1 Before filing any lawsuit or arbitration against TaxWallet, you must send a written Notice of Dispute by email to legal@taxwallet.ai, stating your name, account, the facts, the relief sought, and your contact details, and must then negotiate in good faith for 30 days. TaxWallet will provide a mailing address for formal legal notice on request. Any statute of limitations, and the time limit in Section 14, is tolled during those 30 days.

13.2 A claim filed without complying with this Section will be stayed (or, for Business Customers, dismissed or stayed) until this Section is completed, and, for Business Customers, Section 16.3 applies.

13.3 This Section does not shorten or affect the arbitration opt-out in Section 18.2. Sending a Notice of Dispute is not an opt-out, opting out does not require a Notice of Dispute, and the 30-day opt-out period runs on its own regardless of any Notice of Dispute or negotiation.

To the extent permitted by law, any claim against TaxWallet must be brought within one (1) year after the claim arises, or it is permanently barred.

15.1 These Terms are governed by the laws of the State of Florida, without regard to conflict-of-laws rules, and by the Federal Arbitration Act where arbitration applies.

15.2 Any dispute that is decided in court (all disputes with Business Customers, and any Consumer claim that Section 18 sends to court) must be brought exclusively in the state courts of Miami-Dade County, Florida (Eleventh Judicial Circuit) or the U.S. District Court for the Southern District of Florida, Miami Division, except a Consumer small-claims action under Section 18.4. You consent to their personal jurisdiction and waive any objection to venue, including forum non conveniens.

15.3 Business Customers: EACH PARTY KNOWINGLY AND VOLUNTARILY WAIVES ANY RIGHT TO A TRIAL BY JURY.

16.1 Consumers. In any dispute between a Consumer and TaxWallet, each party pays its own attorneys’ fees and costs, and TaxWallet will not seek its attorneys’ fees from a Consumer, except where the arbitrator or court finds that a claim was frivolous or brought for an improper purpose (for example under Rule 11(b) of the Federal Rules of Civil Procedure or section 57.105, Florida Statutes). This does not take away any right to recover attorneys’ fees that a law gives a Consumer, and TaxWallet’s payment of arbitration fees is governed by Section 18.6.

16.2 Business Customers — prevailing party. In any action or proceeding between a Business Customer and TaxWallet arising from or relating to the Services or the Agreements, the prevailing party is entitled to recover its reasonable attorneys’ fees, paralegal fees, expert fees and costs, at trial and on appeal, including fees incurred on any motion to dismiss, transfer or stay, and fees incurred in establishing entitlement to and the amount of fees.

16.3 Business Customers — specific fee-shifting. Without limiting Section 16.2, if a Business Customer brings a claim against TaxWallet that is (a) filed outside the venue in Section 15, (b) based on the acts or omissions of an Independent Provider, ERO, preparer or bank that Section 2 allocates to them, (c) barred by Section 14, or (d) filed without completing Section 13, the Business Customer will reimburse TaxWallet’s reasonable attorneys’ fees and costs incurred in having that claim dismissed, transferred or stayed, regardless of the final outcome on the merits.

16.4 This Section survives termination.

We may suspend or terminate access at any time for breach, non-payment, suspected fraud, legal or regulatory requirement, or risk to the Services, taxpayers or other users. You may stop using the Services at any time; fees already incurred remain due.

Sections that by their nature should survive (including Sections 2, 6, 7, 10 through 16, and 18 through 20) survive.

18.1 Who is who. A “Consumer” is an individual who uses the Services for personal, family or household purposes, including a taxpayer who files or receives a refund through the Services. A “Business Customer” is a tax office, ERO, preparer, service bureau, partner, API or sandbox user, or any other person or entity that uses the Services for business purposes.

A. Consumers — individual binding arbitration

18.2 Agreement to arbitrate; opt-out. Any dispute between a Consumer and TaxWallet arising from or relating to the Services or the Agreements will be resolved by binding individual arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules. You may opt out of this agreement to arbitrate within 30 days after you first accept these Terms (for users who accepted an earlier version, within 30 days after Section 18 takes effect) by emailing legal@taxwallet.ai with your name, the email or phone number on your account, and a statement that you opt out of arbitration. Opting out does not affect any other part of these Terms. If you opt out, your disputes are decided in the courts named in Section 15.

18.3 Class and collective action waiver. You and TaxWallet may bring claims only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated or representative proceeding. The arbitrator may award relief only to the individual party and only to the extent needed for that party’s claim.

18.4 Small claims. Either party may instead bring an individual claim in small-claims court in the county where the Consumer lives or in Miami-Dade County, Florida, if the claim qualifies and stays there.

18.5 Who decides. The arbitrator, not a court, decides all questions about the arbitrability of a dispute and the scope, validity and enforceability of this Section 18, except that a court decides whether the class and collective action waiver in Section 18.3 is valid and enforceable.

18.6 Fees. The Consumer pays only the filing fee the AAA Consumer Arbitration Rules require of a consumer. TaxWallet pays all other AAA filing, administrative and arbitrator fees. Attorneys’ fees are governed by Section 16.1.

18.7 Mass arbitration. If 25 or more similar demands for arbitration are filed against TaxWallet by or with the help of the same or coordinated counsel or organizations, the AAA Mass Arbitration Supplementary Rules apply, and the demands are administered in batches. The parties’ counsel first select bellwether batches of up to 10 demands (half chosen by each side) to be arbitrated and decided; the remaining demands are then resolved in further batches in light of those results, or by mediation. Limitations periods for the remaining demands are tolled while the batches proceed. A court may enforce this Section 18.7.

18.8 Severability. If the class and collective action waiver in Section 18.3 is found unenforceable for a claim or a request for relief, that claim or request is severed and decided in the state or federal courts in Miami-Dade County, Florida, after the individual claims are arbitrated, and the rest of this Section 18 still applies. If any other part of this Section 18 is found unenforceable, the remainder still applies.

18.9 Seat. Arbitration hearings take place by video, in writing, or in the county where the Consumer lives, or in Miami-Dade County, Florida, if the parties agree.

B. Business Customers — courts only

18.10 No arbitration. Disputes between a Business Customer and TaxWallet are not arbitrated. They are decided exclusively by the state or federal courts in Miami-Dade County, Florida named in Section 15, under Florida law, with trial by jury waived (Section 15.3) and prevailing-party attorneys’ fees (Section 16.2). A Business Customer may bring claims only in its individual capacity and not as a plaintiff or class member in any class, collective or representative action, to the extent permitted by law.

C. Other dispute documents

18.11 This Section 18 controls over the separate Arbitration Agreement & Class-Action Waiver and over the dispute provisions of any other TaxWallet policy page wherever they differ. A signed Office/EFIN, partner or service access agreement controls for its parties where it expressly provides otherwise.

Legal notices to TaxWallet: by email to legal@taxwallet.ai. TaxWallet will provide a mailing address for formal legal notice on request.

We may give you notice by email to your account address, in-app message or posting on the Services.

Entire agreement; severability (an unenforceable provision is modified to the minimum extent and the rest remains, subject to Section 18.8); no waiver; assignment by us on merger or sale of assets, not by you without consent; force majeure; independent contractors; no third-party beneficiaries except indemnified parties; headings for convenience; the English version controls.

21.1 New offices activating for the 2027 filing season: TaxWallet waives its per-return software fee for the office’s first 15 federal returns accepted by the IRS, and TaxWallet sets up the office at no charge.

21.2 Not waived: bank-product fees, the transmitter fee, third-party fees, taxes, penalties, and the office’s own preparer fees.

21.3 One offer per office/EFIN. The offer cannot be combined with other promotions. TaxWallet may end or change the offer for new sign-ups at any time with notice on the website, but will not change it for offices already enrolled under it.

21.4 There is no money-back guarantee. Fees paid to TaxWallet are not refundable except where the law requires otherwise or under Section 7.

Tax Wallet Inc. (TaxWallet)

Support: support@taxwallet.ai

Legal notices: legal@taxwallet.ai