Terms of Service 

(Terms & Condtions)

Effective Date: June 3, 2026

Welcome to Debt N Taxes (the "Company," "we," "us," or "our"). By accessing or using our website, digital platforms, or engaging in our professional services, you (the "User" or "Client") agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, you must immediately cease all use of our services.

1. Acceptance of Terms

By submitting an inquiry, creating an account, or purchasing services, you confirm that you are at least 18 years of age and that you have read, understood, and agreed to be legally bound by these Terms and our Privacy Policy.

2. Scope of Services & Professional Disclosure

Debt N Taxes is not a law firm, Certified Public Accounting (CPA) firm, or registered investment advisory firm. We do not provide legal, audit, accounting attest, or investment management services.

• Purpose: All information, materials, and strategies provided are for educational, informational, and administrative purposes only.

• Independent Advice: You are strongly encouraged to seek independent legal, tax, accounting, or financial advice from appropriately licensed professionals.

• IRS Representation: Our IRS Annual Filing Season Program (AFSP) representation rights are strictly limited to clients whose tax returns were prepared and signed by us. We cannot represent taxpayers in other matters, such as collection appeals or U.S. Tax Court proceedings.

3. User Conduct & Prohibited Uses

You agree not to use our services to:

• Violate any applicable laws, regulations, or third-party rights.

• Engage in unauthorized data scraping, hacking, or attempting to compromise the security of our infrastructure.

• Distribute harmful, illegal, or misleading content.

• Impersonate any person or entity.

4. Electronic Communications & Data Risks

By submitting inquiries, attachments, or data to us:

• No Fiduciary Relationship: No client or fiduciary relationship is created until a written service agreement is executed by all parties.

• Risk Assumption: You acknowledge that electronic transmissions are inherently insecure. You assume absolute risk for the security and integrity of data you transmit.

• Indemnification: You agree to indemnify and hold harmless the Company Parties (owners, employees, contractors) from any claims arising from the handling, storage, or loss of information submitted prior to a formal service agreement.

5. Payment, Refunds, and Termination

• Fees: Fees for services are outlined in specific engagement letters.

• Refunds: Refund policies are governed by the specific written service agreement signed for your engagement.

• Termination: We reserve the right, at our sole discretion, to terminate your access to our services or website at any time, for any reason, without notice.

6. Intellectual Property

All website content, strategies, forms, and logos are the exclusive property of Rehoboth Financial Solutions│Debt·N·Taxes. Unauthorized use, reproduction, or distribution is strictly prohibited.

7. Results Not Guaranteed

Tax, financial, debt mitigation, and business outcomes vary based on individual circumstances. No specific result or outcome is guaranteed by our educational materials or services.

8. Limitation of Liability

To the maximum extent permitted by law, the Company Parties shall not be liable for any indirect, incidental, or consequential damages. Our total aggregate liability to you, regardless of the cause of action, shall not exceed the amount actually paid by you for the specific service in the 12 months preceding the claim.

9. Dispute Resolution: Binding Arbitration

BY UTILIZING OUR SERVICES, YOU VOLUNTARILY WAIVE YOUR RIGHT TO A TRIAL BY JURY.

• Binding Arbitration: Any dispute arising from these Terms or our services shall be resolved exclusively through binding arbitration in Dallas County, Texas, under applicable commercial arbitration rules.

• Class Action Waiver: Both parties waive the right to participate in any class-action or representative proceeding.

10. Modifications to Terms

We reserve the right to modify these Terms at any time. Your continued use of our services following any changes constitutes your acceptance of the updated Terms.

© 2026 Debt N Taxes. All rights reserved.