Terms of Use

1. About QMC Financial Services

QMC Financial Services provides professional services that may include individual and business tax preparation, bookkeeping, bookkeeping cleanup, financial record organization, business formation assistance, and other services specifically agreed to between QMC and a client.

The availability, scope, pricing, requirements, and terms of a particular service may vary and may be governed by a separate engagement letter, service agreement, authorization, proposal, invoice, or other written agreement.

If these Terms conflict with a signed service-specific agreement concerning the scope or performance of professional services, the applicable service-specific agreement will control with respect to that engagement.

2. Website Information Is General Information

Information provided through this website, social media, educational materials, emails, downloads, consultations, articles, or other general communications is provided for informational and educational purposes unless expressly identified as professional advice provided pursuant to an active engagement.

Website content should not be relied upon as individualized tax, accounting, legal, investment, financial-planning, or other professional advice.

Tax laws, filing requirements, administrative guidance, business regulations, and financial circumstances may change. Information that was accurate when published may later become outdated.

You should obtain advice appropriate to your individual circumstances before making significant tax, legal, financial, or business decisions.

3. No Professional Relationship Created by Website Use

Visiting this website, submitting an inquiry, completing an intake form, scheduling a consultation, exchanging preliminary communications, or receiving general information from QMC does not, by itself, establish a client-professional relationship.

A professional engagement begins only after QMC has agreed to provide the requested service and any required engagement documentation, authorizations, deposits, payments, or onboarding requirements have been completed.

QMC reserves the right to decline an engagement when appropriate.

4. Tax Preparation Services

QMC may provide federal, state, and local individual and business tax preparation services within the scope of an applicable engagement.

Tax returns are prepared based upon information, records, statements, representations, and documentation supplied by the client and other authorized sources.

Clients are responsible for reviewing their completed tax returns and confirming that the information is complete and accurate before authorizing filing.

The taxpayer remains responsible for the accuracy and completeness of information reported on a tax return even when the return is professionally prepared.

QMC may rely upon information supplied by a client unless that information appears incomplete, inaccurate, inconsistent, or otherwise requires additional inquiry.

5. Tax Due Diligence and Documentation

QMC follows applicable tax-preparer due-diligence and recordkeeping requirements.

QMC may ask questions or request documentation concerning income, dependents, filing status, deductions, credits, business expenses, residency, education expenses, household expenses, identity, or other matters relevant to a tax return.

QMC may decline to claim a deduction, credit, filing status, position, or other tax treatment when adequate information or documentation has not been provided or when QMC determines that the requested treatment cannot reasonably be supported.

QMC may suspend or terminate preparation of a return if requested documentation is not provided or material inconsistencies cannot be resolved.

6. Client Responsibilities

Clients agree to provide complete, truthful, accurate, and timely information necessary for QMC to perform requested services.

Clients are responsible for:

• Providing all relevant tax documents and financial records.
• Disclosing all applicable income and business activity.
• Responding to questions and document requests in a timely manner.
• Reviewing documents and returns before signing or approving them.
• Maintaining copies of relevant records and supporting documentation.
• Notifying QMC if information previously provided changes or is discovered to be inaccurate.
• Meeting applicable payment, filing, registration, and compliance obligations.

QMC is not responsible for consequences caused by information that was withheld, inaccurate, incomplete, fraudulent, misleading, or provided after an applicable deadline.

7. Filing Authorization and Electronic Signatures

QMC will not electronically file a tax return until required taxpayer authorization has been obtained.

Electronic signatures, electronic acknowledgments, checkbox confirmations, portal approvals, and other electronic records may be used where permitted by law and may have the same force and effect as their paper equivalents.

You agree not to submit an electronic signature, authorization, or approval on behalf of another person unless you are legally authorized to do so.

8. Tax Refunds, Balances Due, and Processing Times

QMC does not control IRS or state tax agency processing times.

Any anticipated refund amount, estimated processing period, refund advance eligibility, payment date, or other tax-agency outcome is not guaranteed.

Tax authorities and financial institutions may delay, adjust, offset, freeze, review, reject, or otherwise modify a refund or tax account.

QMC does not guarantee that a taxpayer will receive a refund or that a refund will be issued by any particular date.

Unless expressly agreed otherwise, clients remain responsible for paying taxes, penalties, interest, estimated payments, and other amounts owed to taxing authorities.

9. Bookkeeping Services

Bookkeeping services may include transaction categorization, account reconciliation, financial record organization, financial reporting, cleanup or catch-up bookkeeping, and other agreed-upon services.

Bookkeeping services depend upon timely access to complete and accurate financial records.

Unless specifically included in a written engagement, bookkeeping services do not constitute an audit, review, compilation, attestation engagement, fraud examination, or independent verification of the accuracy of information supplied by the client or third parties.

Financial reports produced from bookkeeping records are only as reliable as the underlying information provided.

10. Business Formation Services

QMC may provide administrative assistance with business formation and startup processes, including entity filing assistance, EIN-related assistance, registration support, and organizational services.

QMC does not determine whether a particular entity type is legally appropriate for a client's circumstances unless such advice falls within another properly authorized professional engagement.

Clients who need advice regarding ownership structures, contracts, liability protection, securities, partnership rights, operating agreements, legal disputes, or other legal matters should consult a qualified attorney.

Government filing fees, processing times, approval decisions, naming availability, and agency requirements are controlled by the applicable government authority and are not guaranteed by QMC.

11. Licenses, Permits, and Ongoing Compliance

Formation of a business entity does not necessarily satisfy all federal, state, county, municipal, industry-specific, professional, licensing, tax-registration, beneficial-ownership, or regulatory requirements applicable to a business.

Unless expressly included in a written engagement, the client is responsible for identifying and maintaining licenses, permits, registrations, renewals, reports, and other ongoing compliance requirements applicable to the client's business.

12. Fees, Payments, and Pricing

Prices displayed on the website may represent starting prices, base prices, or estimates.

Final pricing may depend on complexity, number of forms or entities, condition of financial records, transaction volume, number of accounts, filing jurisdictions, cleanup requirements, additional services, and other circumstances.

Applicable fees will be communicated through QMC's pricing materials, invoice, proposal, engagement agreement, or other written communication.

Payment requirements, deposits, retainers, installment arrangements, refund policies, and cancellation terms may vary by service and will be governed by the applicable service agreement or transaction terms.

Failure to make required payments may result in suspension or termination of services.

13. Deadlines and Timely Submission of Information

Clients are responsible for providing requested information sufficiently in advance of applicable tax, filing, reporting, registration, or other deadlines.

Submission of documents to QMC shortly before a deadline does not guarantee that the requested work can be completed by that deadline.

QMC is not responsible for penalties, interest, missed elections, delayed filings, or other consequences resulting from a client's failure to provide complete information or authorization in sufficient time.

14. Client Portals, Accounts, and Security

Certain services may require access to a secure portal or third-party software platform.

You are responsible for maintaining the confidentiality of your usernames, passwords, authentication codes, and other account credentials.

You agree to promptly notify QMC if you believe your account or credentials have been compromised.

You may not attempt to access another client's account, bypass security measures, interfere with platform functionality, introduce malicious software, or use QMC systems for unlawful purposes.

15. Electronic Communications

By communicating with QMC electronically, you acknowledge that ordinary email and electronic communications may involve risks outside QMC's reasonable control.

Sensitive documents should be submitted through designated secure systems when QMC provides such systems.

You are responsible for maintaining accurate contact information and monitoring communications relating to your engagement.

16. SMS/MMS Messaging and A2P Compliance

16.1 SMS Program

By separately opting in to receive SMS or MMS communications from QMC Financial Services, LLC, you consent to receive text messages at the mobile telephone number you provide.

Messages may include, as applicable:

• Appointment confirmations and reminders.
• Consultation communications.
• Client onboarding notifications.
• Document requests and reminders.
• Tax preparation status updates.
• Bookkeeping service communications.
• Business service updates.
• Account or service notifications.
• Customer support communications.
• Promotional or marketing messages when you have separately consented to receive such communications.

Consent to receive SMS or MMS marketing messages is not a condition of purchasing services from QMC Financial Services.

16.2 Express Consent

Where SMS consent is collected through a website form, intake form, scheduling page, or other electronic process, the user must affirmatively provide consent.

SMS consent is voluntary. A user may submit an inquiry, request services, or otherwise interact with QMC without agreeing to receive promotional SMS communications where such consent is not necessary to provide the requested service.

SMS consent will not be obtained through a pre-checked checkbox or automatically assumed solely because an individual provides a telephone number.

16.3 Message Frequency

Message frequency varies depending on your relationship with QMC Financial Services, the services you request, appointment activity, account activity, and the communication programs for which you have opted in.

16.4 Message and Data Rates

Message and data rates may apply.

Your mobile carrier's standard messaging and data rates may apply to messages sent or received in connection with QMC's SMS/MMS program. QMC Financial Services is not responsible for charges imposed by your wireless carrier.

16.5 Opting Out

You may opt out of SMS/MMS communications at any time by replying STOP to a message from QMC Financial Services.

After submitting an opt-out request, you may receive a final confirmation message acknowledging your request. QMC will stop sending messages covered by your opt-out unless you later provide valid consent to receive messages again.

Opting out of SMS communications does not terminate an existing professional engagement or prevent QMC from communicating with you through other appropriate channels, including email, telephone, client portal, or postal mail.

16.6 Help

For assistance with QMC Financial Services text messaging, reply HELP to a message or contact QMC using the contact information provided below.

16.7 Supported Carriers and Delivery

Wireless carriers are not liable for delayed or undelivered messages.

Message delivery is subject to effective transmission by your wireless carrier and other telecommunications providers. QMC does not guarantee that every SMS or MMS message will be delivered.

16.8 Mobile Information and SMS Consent Privacy

Information sharing with subcontractors in support services, such as customer service, communications delivery, or technical support, may occur when reasonably necessary to provide those services.

All other use-case categories exclude text messaging originator opt-in data and consent. Text messaging opt-in data and consent will not be shared with third parties or affiliates for their marketing or promotional purposes.

QMC may use service providers that assist with the technical delivery and operation of communications, provided such information is used to support QMC's services and not for the service provider's independent marketing purposes.

16.9 SMS Consent Records

QMC may maintain records reasonably necessary to document SMS consent, including the telephone number provided, date and time of consent, method or source of consent, applicable consent language, and opt-in or opt-out activity.

These records may be maintained for compliance, operational, security, and dispute-resolution purposes.

16.10 Changes to the SMS Program

QMC Financial Services may modify or discontinue all or part of its SMS/MMS messaging program at any time.

Changes affecting these messaging terms may be reflected by updating these Terms of Use.

17. Email Communications

QMC may send transactional, service-related, administrative, educational, and, where permitted, marketing email communications.

Recipients of commercial marketing emails may unsubscribe using the method provided in the applicable communication.

Service-related or transactional communications necessary to administer an active engagement may continue where permitted by law.

18. Third-Party Services and Links

The QMC website and service processes may integrate with or link to third-party services, including scheduling systems, payment processors, tax software, client portals, government websites, financial platforms, communications providers, and other technology services.

Third-party services are governed by their own terms, policies, availability, and security practices.

QMC does not control and is not responsible for the content, availability, policies, performance, or security of third-party websites or platforms.

A link to a third-party resource does not necessarily constitute an endorsement.

19. Privacy and Confidential Information

QMC handles personal information in accordance with its Privacy Policy and applicable legal and professional requirements.

Taxpayer information may also be subject to specific federal confidentiality and disclosure restrictions applicable to tax return preparers.

Please review QMC's Privacy Policy for additional information concerning the collection, use, storage, and disclosure of personal information.

20. Intellectual Property

Unless otherwise stated, the website's design, text, graphics, logos, branding, educational materials, downloads, templates, and other original content are owned by or licensed to QMC Financial Services and are protected by applicable intellectual-property laws.

You may use website materials for personal, noncommercial purposes associated with evaluating or receiving QMC services.

You may not reproduce, republish, sell, distribute, modify, scrape, commercially exploit, or create derivative works from protected QMC content without prior written authorization.

21. Acceptable Use

You agree not to use the website, portals, forms, or other QMC systems to:

• Violate applicable law.
• Submit false, fraudulent, deceptive, or misleading information.
• Impersonate another person.
• Transmit malware or harmful code.
• Attempt unauthorized access to systems or accounts.
• Interfere with website security or operation.
• Harvest information from the website through unauthorized automated means.
• Use QMC systems to facilitate fraudulent tax filings or other unlawful activity.

QMC may restrict or terminate access where misuse is suspected.

22. No Guarantee of Results

QMC strives to provide professional and accurate services within the scope of each engagement; however, no particular financial, tax, business, refund, financing, government approval, or other outcome is guaranteed.

Past outcomes do not guarantee future results.

Any examples, illustrations, testimonials, projections, or estimates are not promises of a particular result.

23. Website Availability and Accuracy

QMC attempts to maintain accurate and useful website information but does not warrant that the website will always be uninterrupted, error-free, current, secure, or free from technical issues.

We may modify, suspend, discontinue, or restrict any website feature or online resource at any time.

24. Disclaimer of Warranties

To the maximum extent permitted by applicable law, the website and general online content are provided on an "as is" and "as available" basis.

QMC disclaims warranties regarding the availability, completeness, accuracy, or fitness of general website content for a particular purpose, except to the extent a warranty cannot lawfully be disclaimed.

Nothing in this provision limits obligations expressly undertaken by QMC in a separate written professional engagement.

25. Limitation of Liability

To the maximum extent permitted by applicable law, QMC Financial Services, LLC and its owners, employees, contractors, and representatives will not be liable for indirect, incidental, special, exemplary, consequential, or punitive damages arising solely from use of or inability to use the website or general online resources.

QMC will not be responsible for losses resulting from circumstances outside its reasonable control, including government processing delays, third-party platform outages, unauthorized account access not caused by QMC, inaccurate information supplied by a user or client, or a client's failure to timely review, authorize, or provide required information.

Any additional limitations applicable to professional services may be established in the applicable engagement agreement.

26. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless QMC Financial Services, LLC and its owners, employees, contractors, and representatives from third-party claims, liabilities, damages, and reasonable costs arising from your unlawful misuse of the website, your material violation of these Terms, or fraudulent or intentionally false information submitted through QMC systems.

This provision does not require a client to indemnify QMC for QMC's own negligence, willful misconduct, or violation of applicable law.

27. Suspension or Termination of Access

QMC may suspend or terminate access to website features, portals, communications, or services where reasonably necessary because of nonpayment, abusive conduct, suspected fraud, security concerns, misuse of systems, failure to provide required information, violation of these Terms, or other legitimate business or compliance reasons.

Termination of professional services remains subject to any applicable engagement agreement and professional obligations.

28. Governing Law

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles, except where federal law controls.

Any mandatory rights or remedies available under applicable law remain unaffected.

29. Severability

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

30. No Waiver

QMC's failure to enforce any provision of these Terms does not constitute a waiver of that provision or QMC's right to enforce it later.

31. Changes to These Terms

QMC may update these Terms periodically to reflect changes in services, technology, business practices, or legal requirements.

When material changes are made, the "Last Updated" date associated with these Terms may be revised.

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

32. Entire Agreement Regarding Website Use

These Terms, together with the Privacy Policy and any other policies expressly incorporated by reference, constitute the agreement between you and QMC regarding general use of the website and online resources.

Separate engagement agreements, authorizations, proposals, invoices, and service-specific terms may govern professional services and transactions.

33. Contact QMC Financial Services

Questions regarding these Terms of Use may be directed to: