Terms of Service

This combined agreement ("Agreement") governs your access to and use of the PaisaTax platform, including websites, mobile applications, and related services (collectively, the "Service" or "Services") provided by PAISA TAX LLC ("PaisaTax", "we", "us", "our").

By creating an account, accessing, or using the Service, you:

• Agree to be legally bound by this Agreement, including:
  • Part I – Terms of Service
  • Part II – Privacy & Data Use Policy
  • Part III – Tax Data Sharing Authorization
• Consent to receive records, disclosures, and notices electronically.

If you do not agree to this Agreement in full, do not create an account, access, or use the Service.

1. Definitions

For purposes of this Agreement:

• 1.1 “Account” means a unique account created by or for you to access the Service.
• 1.2 “User”, “you”, or “your” means the individual who accesses or uses the Service and, where applicable, any entity or person on whose behalf the individual is acting.
• 1.3 “Tax Information” means information related to your tax situation, including but not limited to income, deductions, credits, dependents, withholding, residency, prior-year tax data, and all documents and forms used to prepare or file tax returns.
• 1.4 “Personal Information” means information that identifies, relates to, describes, or could reasonably be associated with an identifiable individual, such as name, contact information, identifiers, and certain financial and tax data, as further described in Part II.
• 1.5 “Return(s)” or “Tax Return(s)” means any U.S. federal, state, or local income tax return, extension, estimate, or other tax filing prepared or submitted using the Service.
• 1.6 “Third-Party Service Provider(s)” means unaffiliated entities that perform services for us, including but not limited to data hosting, payment processing, identity verification, analytics, customer support, secure communication, and e-filing transmission.
• 1.7 “AI Assistant” means PaisaTax’s automated, software-based conversational tools (including those powered by machine learning models) that provide general guidance, explanations, and help within the Service.
• 1.8 “Proprietary Algorithm” means PaisaTax’s automated systems and algorithms that analyze data you provide and generate or pre-fill tax forms and calculations.
• 1.9 “Licensed Tax Preparer Services” means services delivered by individual human tax professionals engaged by PaisaTax (for example, enrolled agents, CPAs, or other qualified tax preparers where applicable) who may assist you via chat, video, or other communication methods through the Service.
• 1.10 “Applicable Law” means all federal, state, and local laws, regulations, rules, and guidance applicable to your use of the Service, including U.S. tax laws and data protection laws.

2. Eligibility and Scope of Service

• 2.1 Age and Capacity. You must be at least 18 years old and able to form a legally binding contract to use the Service. By using the Service, you represent and warrant that you meet these requirements.
• 2.2 US Tax Use Only. The Service is designed exclusively for preparation and filing of U.S. federal and state income tax returns and other related U.S. tax filings. It is not intended for non-U.S. tax systems.
• 2.3 Location. The Service is directed to individuals located in the United States and/or persons filing U.S. tax returns. If you access the Service from outside the United States, you do so at your own initiative and risk, and your information will be processed in the United States.
• 2.4 Non-IRS Entity. PaisaTax is not the IRS or any governmental authority. We are a private company providing tools and services for tax preparation and filing.

3. Description of the Service

3.1 General. PaisaTax is a digital tax preparation and filing platform available via web and mobile applications that helps you:

• Gather and organize tax-related data
• Generate and review tax forms
• Submit tax returns electronically where supported

3.2 Service Components. The Service may include:

• a. AI Assistant. An automated conversational assistant that provides general information, explanations, and guidance based on your inputs.
• b. Proprietary Algorithm. Automated systems that analyze information you provide to generate or pre-fill tax forms, compute tax amounts, and assist with preparing Returns.
• c. Licensed Tax Preparer Services. Access to human, licensed tax professionals via secure video, audio, or chat (within the Service) who can review your information, help prepare your tax returns, and in some cases file returns on your behalf, consistent with their professional obligations and limitations described in this Agreement.

3.3 No Guaranteed Outcome. Although the Service is designed to assist with accurate preparation of tax returns, we do not guarantee:

• Any particular refund amount or tax result
• Acceptance of any Return by the IRS or state tax authority
• That you will not be audited or assessed additional tax, penalties, or interest

3.4 Service Changes. We may modify, enhance, suspend, or discontinue any features or components of the Service at any time, with or without notice, as permitted by Applicable Law. We are not responsible for any loss or harm arising from such changes.

4. Account Registration and Security

• 4.1 Account Creation. To use the Service, you must create an Account by providing accurate, current, and complete information. You agree to promptly update your information if it changes.
• 4.2 Authentication. The Service uses secure authentication mechanisms (for example, cloud-based identity and access management services) to help protect your Account. You remain responsible for maintaining the confidentiality of your login credentials.
• 4.3 Unauthorized Use. You must immediately notify us if you become aware of any unauthorized access to or use of your Account. To the extent permitted by law, we are not responsible for loss or harm resulting from your failure to safeguard your credentials.
• 4.4 Account Responsibility. The individual who sets up the Account is deemed the Account owner and is responsible for all activity under that Account, whether or not authorized, except where otherwise required by law.

5. License and Permitted Use

• 5.1 License Grant. Subject to this Agreement, PaisaTax grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service solely for your personal or household use in preparing and filing U.S. tax returns, or for preparing returns you are lawfully authorized to file on behalf of another person.
• 5.2 Restrictions. You agree not to:
  • Copy, modify, adapt, translate, or create derivative works of the Service
  • Reverse engineer, decompile, or disassemble any part of the Service, except as allowed by law
  • Use the Service for any unlawful, fraudulent, or malicious purpose
  • Use the Service on a commercial or professional basis (e.g., as a paid tax preparer) unless expressly authorized in writing by PaisaTax
  • Circumvent or attempt to circumvent any security or access control features
  • Use automated tools to mine, scrape, or harvest data from the Service without our written permission
• 5.3 Reservation of Rights. We reserve all rights in and to the Service not expressly granted to you.

6. Your Responsibilities and Accuracy of Information

6.1 Your Information. You are solely responsible for the completeness, accuracy, and truthfulness of all information and documents you provide, upload, import, or otherwise submit to the Service, including:

• Personal Information and identifiers
• Income, expenses, deductions, credits, and other tax details
• Supporting documents such as W-2s, 1099s, 1098s, K-1s, receipts, and statements
• Bank account and routing information

6.2 Review of Returns. Before you authorize filing or submission of any Return, you must carefully review all of the information. You are responsible for reviewing, approving, and authorizing your Returns.

6.3 Recordkeeping. You are responsible for maintaining your own copies of filed returns and supporting documentation as required by the IRS and state tax authorities. While PaisaTax may retain records as described in Part II, the Service is not a substitute for your legal recordkeeping obligations.

6.4 Compliance with Law. You agree to comply with all Applicable Law in connection with your use of the Service, including tax, anti-fraud, and data protection laws.

7. Fees, Payments, and Refunds

• 7.1 Fees. Some features or services, including certain Licensed Tax Preparer Services or advanced filing options, may require payment of fees (“Fees”). The applicable Fees will be displayed before you are charged.
• 7.2 Payment Methods. We may use Third-Party Service Providers to process payments. By providing a payment method, you authorize us and those providers to charge applicable Fees and taxes to that method.
• 7.3 Refund Amounts from Tax Authorities. Any refund amounts displayed in the Service are estimates based on the information you provide and our calculations. The IRS or state tax agencies determine the actual refund amount and timing. We do not guarantee any refund.
• 7.4 Refunds of Service Fees. All filing fees are non-refundable once you authorize submission of a return (for example, by clicking “File,” “Submit,” or similar). Unless expressly stated otherwise in the Service at the time of purchase, all Service Fees are non-refundable, except as required by law.

8. Information, Tools, and Professional Services

8.1 AI Assistant and General Information (Not Professional Advice). The AI Assistant, automated explanations, FAQs, help articles, and similar tools available within the Service are provided for general informational and educational purposes only. These tools:

• Do not constitute legal, tax, accounting, or financial advice
• Do not create an attorney-client, tax advisor-client, or fiduciary relationship
• Are not a substitute for personalized advice from a qualified professional

You remain responsible for how you use or interpret any information provided by these automated tools.

8.2 Proprietary Algorithm (Automated Preparation Tool). Our Proprietary Algorithm can help analyze your inputs, generate or pre-fill forms, and compute tax amounts. While we strive for high accuracy, the algorithm:

• Relies on the information you provide and on tax rules that may change
• May not account for every nuance of your individual situation
• Does not independently verify the accuracy or completeness of your data

The algorithm is a tool to assist preparation, not a guarantee of perfect results.

8.3 Licensed Tax Preparer Services (Professional Tax Preparation). If you choose to use our Licensed Tax Preparer Services:

• You may interact with a human tax professional (for example, via chat or video call) who will assist in preparing and/or reviewing your Returns based on the information you provide
• These services are intended to provide professional tax preparation, but are limited to the scope of preparing and filing tax returns and providing related tax guidance within the Service
• Unless expressly stated, these services do not constitute legal representation, investment advice, or comprehensive financial planning
• The tax professional relies on the completeness and accuracy of your information; if your information is incomplete or incorrect, the resulting advice or Returns may also be incomplete or incorrect
• Even when you use Licensed Tax Preparer Services, you remain responsible for reviewing your Returns before filing and for maintaining your own records.

8.4 Consulting Other Professionals. Depending on your situation (for example, complex business structures, international tax issues, litigation, or estate planning), you may need to consult additional professionals (attorneys, financial planners, etc.). The Service is not a substitute for such specialized advice.

9. Electronic Records, Signatures, and Communications

• 9.1 Electronic Records and Signatures. By using the Service, you consent to transact electronically and to use electronic signatures, in accordance with the U.S. Electronic Signatures in Global and National Commerce Act (E-SIGN) and applicable state laws.
• 9.2 Delivery Methods. We may provide notices, disclosures, agreements, statements, tax-related communications, and other information electronically via:
  • In-app messages or notifications
  • Email to the address associated with your Account
  • Display on our website or within the Service
• 9.3 Hardware and Software Requirements. You are responsible for maintaining the devices, software, and internet connection necessary to receive and retain electronic communications.
• 9.4 Withdrawing Consent. You may withdraw your consent to receive electronic communications by contacting us. If you do, we may be unable to continue providing some or all portions of the Service.

10. Intellectual Property

• 10.1 Ownership of the Service. The Service, including software, code, text, graphics, logos, trademarks, user interfaces, visual designs, and other content, is owned by or licensed to PAISA TAX LLC and is protected by copyright, trademark, trade secret, and other intellectual property laws.
• 10.2 User Content. You retain any ownership rights you have in the content and data you provide (“User Content”), including your Tax Information. You grant PaisaTax a limited, non-exclusive license to use, store, reproduce, and process User Content as necessary to:
  • Provide, maintain, and improve the Service
  • Comply with legal obligations
  • Enforce this Agreement and protect our rights and the rights of others
• 10.3 Feedback. If you provide comments, suggestions, or feedback about the Service (“Feedback”), you grant us a perpetual, irrevocable, royalty-free, worldwide license to use the Feedback in any manner, without obligation or compensation to you.

11. Third-Party Services and Links

• 11.1 Third-Party Services. The Service may integrate with or provide access to third-party services, including data import tools, identity verification, payment processors, or secure communication tools. Your use of such services may be governed by separate third-party terms and privacy policies.
• 11.2 No Endorsement. Links or access to third-party services do not constitute an endorsement by PaisaTax. We are not responsible for the content, products, or services of third parties.
• 11.3 Third-Party Data Sources. If you authorize the Service to import data from a third-party (e.g., employer, payroll provider, financial institution), you authorize us to access and use that data for purposes of providing and improving the Service.

12. Prohibited Conduct

You agree not to:

• Use the Service in violation of any Applicable Law
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity
• Upload or transmit malware, viruses, or other harmful code
• Interfere with or disrupt the Service or networks connected to the Service
• Attempt to gain unauthorized access to any systems, accounts, or data
• Use automated systems to scrape or extract data from the Service without written authorization

We may suspend or terminate your Account if we reasonably believe you have engaged in prohibited conduct or otherwise violated this Agreement.

13. Privacy and Data Protection

Your privacy and how we handle your information are described in Part II – Privacy & Data Use Policy, which is incorporated into this Agreement. By using the Service, you acknowledge that you have read and understand Part II and consent to the data practices it describes.

14. Security

14.1 Industry-Standard Safeguards. We use industry-standard administrative, technical, and physical safeguards to help protect your information, including measures such as:

• Encryption of data in transit (e.g., via HTTPS/TLS)
• Encryption of data at rest using managed key services
• Secure user authentication and authorization mechanisms
• Access controls limiting who can access your data within our systems
• Secure infrastructure hosting with continuous monitoring

14.2 Regulatory Security Requirements. We strive to align our security controls with applicable IRS and other relevant regulatory guidelines for tax preparers, including requirements for protecting taxpayer data.

14.3 No Absolute Security Guarantee. While we take reasonable measures to protect your information, no method of transmission or storage is completely secure. We cannot guarantee absolute security. If we become aware of a security incident that affects your Personal Information, we will take appropriate steps and provide any notifications required by Applicable Law.

15. Disclaimers and Limitation of Liability

15.1 Disclaimer of Warranties. To the maximum extent permitted by Applicable Law, the Service is provided on an “AS IS” and “AS AVAILABLE” basis. PaisaTax disclaims all warranties of any kind, express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement, and any warranties arising from course of dealing or usage of trade.

15.2 No Guarantee of Tax Outcomes. We do not warrant that:

• Any Return prepared using the Service will be accepted by the IRS or state tax authorities
• Your use of the Service will result in a particular tax outcome or refund
• You will avoid audits, penalties, interest, or other actions by tax authorities

15.3 Limitation of Liability. To the maximum extent permitted by Applicable Law, in no event shall PaisaTax or its affiliates, officers, directors, employees, or agents be liable for any:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, goodwill, or data
• Business interruption or other intangible losses

arising out of or in connection with your use of or inability to use the Service, even if advised of the possibility of such damages.

15.4 Aggregate Liability Cap. To the maximum extent permitted by Applicable Law, the total aggregate liability of PaisaTax and its affiliates to you for any and all claims arising out of or related to the Service or this Agreement shall not exceed the greater of:

• The total amount of Fees you paid to PaisaTax for the Service during the twelve (12) months immediately preceding the event giving rise to the claim; or
• One hundred U.S. dollars (US $100).

Some jurisdictions do not allow limitations on certain damages or implied warranties. In such cases, some of the above limitations may not apply to you.

16. Indemnification

You agree to indemnify, defend, and hold harmless PAISA TAX LLC and its affiliates, officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to:

• Your use of the Service
• Your breach of this Agreement
• Your violation of any Applicable Law or third-party rights
• Any inaccurate, incomplete, or misleading information you provide

We reserve the right to assume exclusive defense and control of any matter subject to indemnification, and you agree to cooperate with our defense.

17. Dispute Resolution; Arbitration; Class Action Waiver

This section may affect your legal rights. Please read it carefully.

17.1 Informal Resolution. Before initiating formal proceedings, you agree to first contact us at support@paisatax.com and attempt in good faith to resolve the dispute informally.

17.2 Arbitration Agreement. If a dispute cannot be resolved informally, and except as otherwise provided by Applicable Law, any claim, dispute, or controversy arising out of or relating to this Agreement or the Service shall be resolved by binding arbitration on an individual basis, rather than in court, except that you or we may seek equitable relief (such as injunctive relief) in a court of competent jurisdiction.

17.3 Class Action Waiver. To the fullest extent permitted by law, you and PaisaTax agree that each may bring claims against the other only in your or its individual capacity, and not as a plaintiff or class member in any purported class, collective, or representative proceeding.

17.4 Arbitration Rules and Forum. Arbitration will be administered by a nationally recognized arbitration provider (for example, the American Arbitration Association) under its applicable rules. Unless otherwise agreed, arbitration will be conducted in the State of Wyoming, or another location mutually agreed by the parties.

17.5 Opt-Out. You have the right to opt out of this agreement to arbitrate. To exercise this right, you must send a written notice stating that you wish to opt out of the arbitration agreement in this Section 17. Your notice must include:

• (a) your full name;
• (b) the email address associated with your PaisaTax account; and
• (c) a clear statement that you wish to opt out of the arbitration agreement in the PaisaTax Terms of Service.

You must mail this written notice to the postal address in Section 21.4 so that it is postmarked no later than thirty (30) days after the date you first accept this Agreement.

If you opt out of the arbitration agreement in accordance with this Section 17.5:

• this Section 17 (Dispute Resolution; Arbitration; Class Action Waiver) will not apply to you; and
• any Disputes between you and PaisaTax that would otherwise have been subject to arbitration under this Section 17 shall instead be resolved exclusively in the courts specified in Section 18, and governed by the laws specified in Section 18.

Opting out of this arbitration agreement will not affect any other terms of this Agreement, and will not affect your relationship with PaisaTax or your ability to use the Service.

18. Governing Law and Venue

This Agreement and any dispute arising out of or related to it are governed by the laws of the State of Wyoming and, where applicable, the federal laws of the United States, without giving effect to conflict-of-law principles.

Subject to Section 17 (Arbitration), any legal action or proceeding arising out of or relating to this Agreement shall be brought exclusively in the state or federal courts located in the State of Wyoming, and you consent to the jurisdiction and venue of such courts where permitted by law.

19. Changes to this Agreement

We may update or modify this Agreement from time to time.

19.1 Notice of Changes. If we make material changes, we will provide notice by, for example:

• Posting the updated Agreement within the Service; and/or
• Sending an email or in-app notification

19.2 Acceptance of Changes. Your continued use of the Service after the effective date of an updated Agreement constitutes your acceptance of the updated terms.

20. Termination

20.1 By You. You may stop using the Service at any time and may request closure of your Account by contacting us.

20.2 By Us. We may suspend or terminate your access to all or part of the Service, or terminate this Agreement, at any time with or without notice, if:

• We reasonably believe you have violated this Agreement or Applicable Law;
• We are required to do so by law or a court order; or
• We decide to discontinue some or all of the Service.

20.3 Effect of Termination. Upon termination:

• Your license to use the Service ends immediately
• Certain provisions of this Agreement (including those regarding intellectual property, disclaimers, limitations of liability, indemnification, dispute resolution, and data retention) will survive termination

21. Miscellaneous

21.1 Entire Agreement. This Agreement (including Part II and Part III) constitutes the entire agreement between you and PAISA TAX LLC regarding the Service and supersedes all prior or contemporaneous understandings.

21.2 Severability. If any provision of this Agreement is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

21.3 Assignment. You may not assign or transfer this Agreement without our prior written consent. We may assign or transfer this Agreement in connection with a merger, acquisition, reorganization, or sale of assets.

21.5 Language; Translations. The Service may be offered in English and Spanish. We may provide translations of this Agreement for convenience. If there is any conflict between a translated version and the English version, the English version will control, unless Applicable Law requires otherwise.