Terms & Conditions

Effective Date: January 1, 2025

These Terms and Conditions ("Terms") govern your use of the website, services, and products provided by Kernizan Financial ("we," "our," "us"). By accessing or using our services, you ("you," "your," or "Client") agree to be bound by these Terms. If you do not agree to these Terms, you should not use our services.

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1. Introduction

1.1 Services Provided
Kernizan Financial offers a range of professional services, including:​

• Personal Tax Services

• Business Tax Services

• Small Business Services

• Consulting

These services are provided subject to the terms set forth in these Terms and Conditions. Detailed information about each service, including scope and pricing, will be provided at the time of engagement.

1.2 Changes to Terms
We reserve the right to modify or update these Terms at any time. Any changes will be posted on this page with an updated "Effective Date." Continued use of our services after any such changes constitutes acceptance of the modified Terms.

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2. Eligibility

2.1 Age Requirement
You must be at least 18 years old to use our services.

2.2 Authorized Users
You agree that the services are for your personal or business use only and will not permit others to use your account without our permission.

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3. Account Registration

3.1 Account Creation
To access certain features of our services, you may be required to create an account with us. You agree to provide accurate, current, and complete information during the registration process.

3.2 Security of Account
You are responsible for maintaining the confidentiality of your account login credentials. You agree to notify us immediately of any unauthorized use of your account.

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4. Services and Fees

4.1 Service Descriptions​

• Personal Tax Services: We offer tax preparation, filing, and planning services for individuals.

• Business Tax Services: We provide tax preparation, filing, and planning for businesses, including corporations, partnerships, and sole proprietorships.

• Small Business Services: Our small business services include business formation assistance, bookkeeping, payroll, and advisory services.

• Consulting: We offer consulting services for both individuals and businesses, including financial planning, strategic advice, and operational optimization.

4.2 Fees
Our fees for each service vary based on the scope and complexity of the work required. Detailed pricing information will be provided during the consultation or service engagement process.

4.3 Payment Terms
All fees must be paid in accordance with the payment terms provided at the time of service. Payments are due within [7] days of the invoice date unless otherwise agreed. We reserve the right to suspend or terminate services if payments are not made within the stipulated time.

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5. Client Responsibilities

5.1 Accuracy of Information
You agree to provide accurate and complete information necessary for the provision of our services. We are not responsible for any delays, losses, or damages caused by inaccurate or incomplete information provided by you.

5.2 Compliance with Laws
You agree to comply with all applicable laws, regulations, and rules related to the services you receive. This includes ensuring that all tax-related documents are submitted truthfully and in accordance with government requirements.

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6. Confidentiality and Privacy

6.1 Privacy Policy
We are committed to protecting your privacy. Our Privacy Policy outlines how we collect, use, and protect your personal and business information. By using our services, you consent to the practices described in the Privacy Policy.

6.2 Confidentiality
We will maintain the confidentiality of any sensitive information provided by you, except as required by law or with your consent. This includes the details of your financial, tax, and credit history.

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7. Disclaimers and Limitation of Liability

7.1 No Guarantees
While we strive to provide accurate advice and services, we do not guarantee specific outcomes. For example, we do not guarantee a specific increase in your tax refund, or business growth.

7.2 Limitation of Liability
To the fullest extent permitted by law, Kernizan Financial’s liability shall be limited to the amount you have paid for the specific service(s) in question during the 12 months preceding the claim. We are not liable for any indirect, incidental, or consequential damages, including loss of profits or data.

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8. Intellectual Property

8.1 Ownership
All content on our website, including but not limited to text, graphics, logos, and software, is the property of Kernizan Financial and is protected by copyright and other intellectual property laws.

8.2 Usage Rights
You may not reproduce, modify, distribute, or use any of our content for commercial purposes without prior written consent from us.

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9. Termination

9.1 Termination by Us
We may suspend or terminate your access to our services at any time, with or without notice, for any violation of these Terms or for any unlawful activities.

9.2 Termination by You
You may terminate your account and our services at any time by providing written notice to us. Any outstanding fees or obligations will remain due upon termination.

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10. Governing Law and Dispute Resolution

10.1 Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law principles.

10.2 Dispute Resolution
Any disputes arising under these Terms shall be resolved through binding arbitration in Houston, Texas. You agree to waive any right to participate in class-action lawsuits or class-wide arbitration.

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11. Miscellaneous

11.1 Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

11.2 Entire Agreement
These Terms constitute the entire agreement between you and Kernizan Financial regarding the use of our services and supersede all prior agreements or understandings.

11.3 Force Majeure
We are not responsible for delays or failures in performance due to causes beyond our reasonable control, such as natural disasters, acts of government, or network disruptions.

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12. Contact Information

If you have any questions or concerns about these Terms, please contact us at:

Kernizan Financial
1000 Main Street Ste 2300
Houston, TX 77002
Email: services@kernizanfinancial.com

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By using our services, you acknowledge that you have read, understood, and agree to these Terms and Conditions.