TERMS OF USE

Knowledge Solutions provides financial services, business services, and financial education that may include:

• Individual tax preparation
• Self employed tax preparation
• Business tax preparation
• Prior year tax preparation
• Amended tax return services
• Personal credit services
• Business credit education and coaching
• Business formation assistance
• Bookkeeping
• Life insurance services
• Financial education
• Individual coaching
• Webinars, classes, and educational resources
• Related services

Availability may vary according to location, eligibility, licensing, capacity, applicable law, and the specific service requested.

Information presented on this website does not mean every service is available to every person or in every jurisdiction.

Content available on the Knowledge Solutions website is provided primarily for general informational and educational purposes.

Website content should not automatically be interpreted as individualized:

• Legal advice
• Investment advice
• Financial planning advice
• Lending advice
• Credit approval advice
• Insurance advice
• Tax advice for a specific situation
• Accounting advice for a specific situation

Professional recommendations require consideration of individual facts and circumstances.

A website visitor does not become a client merely by reading website content, submitting a general inquiry, following Knowledge Solutions on social media, downloading general educational material, or communicating through a public channel.

A professional relationship may require completion of an intake process, acceptance by Knowledge Solutions, execution of applicable agreements or authorizations, and payment when required.

Knowledge Solutions does not guarantee a particular financial, tax, credit, business, insurance, or funding outcome.

Past results, testimonials, educational examples, case studies, illustrations, or client experiences do not guarantee future results.

Results depend on individual circumstances and may also depend on decisions made by independent organizations, including:

• Internal Revenue Service
• State taxing authorities
• Credit reporting agencies
• Creditors
• Collection agencies
• Lenders
• Banks
• Vendors
• Insurance carriers
• Underwriters
• Government agencies
• Business registration authorities
• Other third parties

Knowledge Solutions does not control decisions made by these independent organizations.

When requesting services from Knowledge Solutions, you agree to provide complete, accurate, current, and truthful information.

Depending on the service, you may also be responsible for:

• Providing requested documentation
• Reviewing documents before signing
• Responding to requests for clarification
• Meeting applicable deadlines
• Maintaining supporting records
• Reviewing financial reports
• Paying required fees
• Updating changes to your information
• Following applicable instructions
• Completing required authorizations
• Monitoring communications related to your service

Knowledge Solutions may rely on information and documentation you provide unless additional verification is required by law, professional standards, compliance requirements, or our internal procedures.

We reserve the right to decline, pause, or discontinue services when required information is not provided, information appears materially inconsistent, requested activity may violate applicable law, required documentation cannot be obtained, or continuing the engagement would create an unacceptable compliance concern.

Tax preparation services are based on information and documentation provided by the taxpayer.

Clients are responsible for providing complete and accurate information regarding income, dependents, filing status, deductions, credits, business activity, and other information relevant to the preparation of a tax return.

Knowledge Solutions will not knowingly prepare or file a tax return using false, fabricated, materially incomplete, or unsupported information.

Additional documentation may be requested when necessary to satisfy applicable tax law, due diligence requirements, verification procedures, or internal compliance policies.

Tax Refunds

Knowledge Solutions does not guarantee:

• That a taxpayer will receive a refund
• A specific refund amount
• Eligibility for a particular credit or deduction
• Approval of a tax return
• Processing time
• Refund issuance date
• Acceptance of a claimed tax position
• A particular outcome from an IRS or state review

Refund amounts and tax liabilities depend on individual circumstances and applicable tax law.

Refund Timing

The IRS and state taxing authorities control return processing and refund issuance.

Any estimated processing timeframe provided by Knowledge Solutions is informational only and is not a guarantee.

Taxpayer Review

Clients are responsible for reviewing their completed tax returns before signing and authorizing electronic filing.

By signing applicable tax documents or electronic filing authorizations, the taxpayer confirms that they have reviewed the return and that the information is true, correct, and complete to the best of their knowledge.

Tax Notices and Audits

Tax preparation does not automatically include representation during an audit, examination, collection matter, tax notice response, appeal, or other post filing matter unless specifically stated in a separate service agreement.

Additional fees may apply for services outside the original tax preparation engagement.

Knowledge Solutions may provide credit education, credit report review, credit restoration assistance, and related personal credit services.

We do not guarantee:

• Removal of any credit account or item
• Removal of accurate negative information
• A particular credit score
• A specific increase in a credit score
• A specific completion timeframe
• Approval for credit
• Approval for housing
• Approval for an automobile
• Approval for a mortgage
• Approval for a loan or credit card
• A particular interest rate or financial product

Credit reporting agencies, creditors, lenders, and scoring model providers control their own reporting, investigation, scoring, and approval processes.

Credit improvement may require active participation from the client, including timely payments, balance management, responsible use of credit, communication, documentation, and other financial behavior.

Knowledge Solutions does not encourage clients to make false statements, create false identities, submit fraudulent disputes, or dispute information solely because it negatively affects a credit score.

Separate agreements and disclosures may apply to credit restoration services.

Business credit services may include education, business credibility review, business profile guidance, vendor education, funding readiness education, and related coaching.

Knowledge Solutions does not guarantee:

• Business credit approval
• Vendor account approval
• Business credit cards
• Lines of credit
• Loans
• Grants
• Funding amounts
• Credit limits
• Interest rates
• Removal of personal guarantees
• Approval without personal credit
• Any specific financing outcome

Business credit and financing decisions are made by independent creditors, lenders, vendors, and financial institutions.

An LLC, EIN, business bank account, website, or other business credential does not automatically create business credit or guarantee funding.

Knowledge Solutions may provide business formation assistance and general business education.

Services may include assistance with entity formation, EIN related guidance, business setup education, business compliance education, and related administrative support.

Knowledge Solutions is not a law firm and does not provide legal advice.

Business owners remain responsible for determining and maintaining applicable:

• Licenses
• Permits
• Registrations
• Tax obligations
• Annual reports
• Beneficial ownership or other reporting requirements when applicable
• Industry specific requirements
• State and local compliance requirements
• Corporate or company records

Government filing and processing times are controlled by the applicable agency and cannot be guaranteed.

Formation of an LLC or other entity does not guarantee liability protection, tax savings, funding, profitability, business credit, or any particular business result.

When legal advice is required, clients should consult a qualified attorney.

Knowledge Solutions may provide bookkeeping and financial recordkeeping services based on information supplied by the client.

Clients are responsible for providing accurate and complete financial information, including applicable statements, transactions, receipts, invoices, and explanations of business activity.

Bookkeeping services do not constitute an audit, examination, review, or other assurance engagement unless specifically agreed otherwise in writing.

Knowledge Solutions does not guarantee that bookkeeping services will:

• Reduce tax liability
• Increase profitability
• Result in loan approval
• Result in funding approval
• Detect every instance of fraud
• Identify every accounting error
• Produce a particular business result

Clients remain responsible for reviewing their business activity, safeguarding business assets, maintaining internal controls, and notifying Knowledge Solutions of inaccurate or incomplete information.

Life insurance services are offered subject to applicable licensing requirements and product availability.

Insurance applications are subject to underwriting and approval by the applicable insurance carrier.

Knowledge Solutions does not control the insurance carrier's underwriting decisions.

We do not guarantee:

• Approval for coverage
• A particular premium
• A particular underwriting classification
• Coverage amount
• Policy issuance
• Cash value accumulation
• Investment performance
• Tax treatment
• Availability of a particular insurance product
• Any specific financial or estate planning result

Submitting an insurance application does not automatically create coverage.

Coverage becomes effective only according to the terms, conditions, approvals, premium requirements, and effective date established by the issuing insurance carrier.

Applicants should carefully review policy illustrations, disclosures, exclusions, limitations, premiums, riders, guarantees, and other policy documents before accepting coverage.

Insurance products are governed by the terms of the policy issued by the insurance carrier.

Educational materials, webinars, classes, consultations, and coaching provided by Knowledge Solutions are intended to improve financial understanding and assist clients in making more informed decisions.

Educational information does not guarantee a financial result.

You remain responsible for your own business and financial decisions.

Examples, hypothetical situations, illustrations, or educational scenarios are provided for educational purposes and may not reflect your specific circumstances.

Knowledge Solutions may offer free or paid consultations depending on the service.

Scheduling an appointment does not guarantee acceptance as a client or eligibility for a particular service.

Clients are expected to attend appointments on time and provide requested information when applicable.

Knowledge Solutions may establish separate cancellation, rescheduling, late arrival, or no show policies for specific appointments or services.

Those policies may be presented during booking and are incorporated into these Terms when accepted.

Fees vary according to the service selected, complexity of work, scope of engagement, and other applicable factors.

Where payment is required, you agree to pay the amount disclosed at checkout, invoicing, booking, or through a separate service agreement.

Prices may change prospectively without notice.

A price change will not alter an already completed purchase unless otherwise permitted by the applicable agreement or law.

Knowledge Solutions may use third party payment processors.

You agree to provide valid payment information and authorize applicable charges associated with your purchase.

Refund and cancellation eligibility may vary depending on the service purchased.

Certain services may involve work that begins immediately after purchase, including consultations, document reviews, filings, credit related work, bookkeeping cleanup, business formation, digital resources, educational programs, or other professional services.

Any service specific refund, cancellation, or rescheduling policy presented at checkout, in an engagement letter, service agreement, invoice, booking page, or other written disclosure will apply to that service.

Where a separate written service agreement conflicts with these general Terms regarding payment, cancellation, or refunds, the service specific agreement will control.

Nothing in these Terms eliminates any refund, cancellation, or rescission right that cannot legally be waived.

Certain services may involve government filing fees, state fees, credit report fees, insurance related costs, software fees, processing charges, or other third party expenses.

Unless specifically stated otherwise, third party and government fees are separate from Knowledge Solutions service fees.

Third party fees may be nonrefundable once paid or submitted to the applicable provider or government agency.

By using our website or electronically communicating with Knowledge Solutions, you consent to receiving applicable communications electronically when permitted by law.

Electronic communications may include:

• Emails
• Appointment confirmations
• Electronic signatures
• Invoices
• Receipts
• Client portal notifications
• Service updates
• Documents
• Required disclosures
• Text messages when separately authorized

You are responsible for maintaining accurate contact information.

Knowledge Solutions may offer text messaging for appointment reminders, service communications, client support, requested information, account related messages, and marketing communications when appropriate consent has been obtained.

By providing your mobile telephone number and affirmatively consenting to an applicable text messaging program, you authorize Knowledge Solutions to send text messages consistent with the consent you provided.

Consent to receive marketing text messages is not a condition of purchasing any goods or services.

Message Frequency

Message frequency varies depending on your interaction with Knowledge Solutions, services requested, appointments, account activity, and communication preferences.

Message and Data Rates

Message and data rates may apply according to your mobile carrier and wireless plan.

Knowledge Solutions is not responsible for charges imposed by your carrier.

Opt Out

You may opt out of applicable text messages at any time by replying:

STOP

After opting out, you may receive a confirmation message.

Additional messages may only be sent when permitted by law, including if you subsequently provide new consent.

Help

For assistance regarding applicable text messaging communications, reply:

HELP

You may also contact Knowledge Solutions at:

725-777-6048

or

[email protected]

Carrier and Delivery Disclaimer

Wireless carriers are not responsible for delayed or undelivered messages.

Delivery may be affected by your device, carrier, service availability, network conditions, or other circumstances outside Knowledge Solutions' control.

Knowledge Solutions does not guarantee delivery of every text message.

Mobile Privacy

Information regarding how Knowledge Solutions handles mobile telephone numbers and text messaging consent is provided in our Privacy Policy.

Text messaging originator opt in data and consent are not shared with third parties for their independent marketing or promotional purposes.

General website forms are intended for basic inquiries and preliminary information.

Do not submit highly sensitive information through general website forms, regular email, social media, or unsecured text messaging.

This includes:

• Social Security numbers
• Complete tax returns
• Tax documents
• Full banking information
• Credit bureau login credentials
• Passwords
• Copies of identification
• Medical information for insurance underwriting
• Other highly sensitive financial information

When sensitive information is required, Knowledge Solutions may provide instructions for submitting information through an approved secure platform.

Unless otherwise stated, content created and published by Knowledge Solutions is owned by or licensed to Knowledge Solutions and may be protected by copyright, trademark, and other intellectual property laws.

Protected content may include:

• Website copy
• Graphics
• Logos
• Branding
• Educational materials
• Workbooks
• Courses
• Training materials
• Videos
• Presentations
• Forms
• Templates
• Downloads
• Proprietary processes

You may use publicly available website content for your personal, noncommercial informational purposes.

You may not reproduce, distribute, sell, republish, modify, copy, commercially exploit, or create derivative products from protected Knowledge Solutions materials without prior written permission, except where otherwise permitted by law.

You may not use the Knowledge Solutions website or services to:

• Violate applicable law
• Commit fraud
• Submit intentionally false information
• Impersonate another person
• Attempt unauthorized access to systems or accounts
• Upload malware or harmful code
• Interfere with website security
• Scrape or harvest information through unauthorized automated means
• Infringe intellectual property rights
• Harass or threaten others
• Use educational materials for unauthorized commercial resale
• Engage in activity that could damage Knowledge Solutions, its systems, clients, or service providers

We may restrict access when we reasonably believe these Terms have been violated.

The Knowledge Solutions website may contain links to or integrations with independent third party websites and platforms.

These may include payment processors, scheduling systems, tax software, client portals, accounting platforms, credit related platforms, insurance carriers, social media platforms, and other service providers.

Knowledge Solutions does not control independent third party websites or services.

Your use of an independent third party service may be governed by that provider's own terms, privacy policies, and agreements.

A link to a third party does not necessarily constitute an endorsement of every product, statement, service, or practice offered by that organization.

We make reasonable efforts to maintain our website and online services but do not guarantee uninterrupted or error free availability.

Website functionality may be interrupted because of:

• Maintenance
• Updates
• Internet outages
• Hosting issues
• Cybersecurity events
• Third party platform outages
• Technical errors
• Circumstances outside our reasonable control

We may modify, suspend, or discontinue website features when reasonably necessary.

Knowledge Solutions makes reasonable efforts to provide useful and accurate information.

However, tax laws, credit practices, insurance products, business regulations, government requirements, financial rules, and other information can change.

Website content may not always reflect the most recent legal, regulatory, or industry development.

You should not rely solely on general website content when making a significant financial, tax, legal, credit, insurance, or business decision.

Testimonials displayed on our website or marketing materials represent the experiences or opinions of the individuals providing them.

Individual experiences vary.

Testimonials are not guarantees that another client will achieve the same or similar results.

To the fullest extent permitted by applicable law, the website and general website content are provided on an “as is” and “as available” basis.

Knowledge Solutions does not warrant that the website will always be uninterrupted, error free, secure, or free from harmful components.

Nothing in this section limits obligations or warranties that cannot legally be excluded.

To the fullest extent permitted by applicable law, Knowledge Solutions will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising solely from use of or inability to use the website or general website content.

Knowledge Solutions is not responsible for independent decisions made by government agencies, taxing authorities, credit reporting agencies, creditors, lenders, banks, vendors, insurance carriers, underwriters, or other third parties.

Any limitation applicable to a separately purchased professional service may also be governed by the applicable engagement letter or service agreement.

Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by law.

To the extent permitted by applicable law, you agree to indemnify and hold Knowledge Solutions harmless from third party claims, damages, losses, or expenses arising from your unlawful use of the website, intentional violation of these Terms, infringement of another person's rights, or intentional submission of fraudulent or materially false information.

This provision does not require you to indemnify Knowledge Solutions for conduct for which indemnification cannot legally be required.

Your privacy is important to Knowledge Solutions.

Our collection, use, disclosure, and protection of personal information is described separately in our Privacy Policy.

The Privacy Policy is incorporated into these Terms by reference where permitted by applicable law.

Link: Privacy Policy

These Terms are governed by the laws of the State of Georgia, without regard to conflict of law principles, except where federal law or another applicable law requires otherwise.

Mandatory consumer protections available under applicable law are not waived by this provision.

If a dispute arises concerning the website or these Terms, you are encouraged to contact Knowledge Solutions first so that we may attempt to resolve the matter directly.

Nothing in these Terms prevents either party from exercising rights or remedies that cannot legally be waived.

Any dispute resolution requirements contained in a separate signed service agreement will govern disputes relating to that specific service to the extent legally enforceable.

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, the remaining provisions will continue in effect to the fullest extent permitted by law.

Failure by Knowledge Solutions to enforce a provision of these Terms does not constitute a permanent waiver of that provision or any other right.

Knowledge Solutions may update these Terms periodically to reflect changes in services, business practices, technology, or applicable requirements.

The “Last Updated” date will be revised when changes are made.

Your continued use of the website after updated Terms become effective constitutes acceptance of the revised Terms to the extent permitted by applicable law.

Material changes affecting an existing paid service may also be subject to a separate agreement or notice when required.