Terms of Service

You must be at least 18, operating a legitimate tax business or preparing to launch one, and authorized to bind the entity you register. You are responsible for the accuracy of your information, for keeping credentials secure, and for all activity under your account and any team members you invite.

Membership levels unlock different capabilities — professional tax software access, EFIN and bank product onboarding support, CRM and white-label tools, Academy training, and mentorship — as described on the membership page at the time of purchase. Features available to your account are determined by your active plan.

Certain services depend on third parties, including software vendors, banks offering refund transfer products, and the IRS. We assist with applications and onboarding, but we do not control and cannot guarantee approval by any third party.

Membership fees are stated at checkout and are billed through our payment processor. Season memberships run through the end of the applicable tax season as described at purchase. Recurring plans continue until cancelled.

[Insert your confirmed refund and cancellation policy here after counsel review — for example, whether fees are non-refundable once software licenses or bank enrollments have been provisioned, and how to cancel.] Taxes and third-party fees are your responsibility.

You are solely responsible for your own tax practice: obtaining and maintaining your EFIN and PTIN, IRS e-file provider rules, due diligence requirements, the accuracy of every return you prepare, safeguarding taxpayer data under applicable law and IRS Publication 4557, and any state licensing that applies to you.

EFIN Empire provides tools, training, and business support. We do not prepare returns for your clients and we do not provide legal, tax, or accounting advice to you or to them.

You may not use the Platform to violate law or IRS rules; submit fraudulent returns or documents; access another workspace's data; share, resell, or sublicense your access outside your own organization except as your plan expressly permits; send unlawful marketing email or SMS; interfere with or probe Platform security; or upload malicious code.

Marketing you send through the Platform must comply with CAN-SPAM, TCPA, and carrier requirements, including consent and opt-out handling. You are responsible for your own messaging consent records.

You retain ownership of the data you and your clients submit. You grant us the limited right to host and process it to operate the Platform. EFIN Empire retains all rights in the Platform, the Academy curriculum, templates, branding, and materials — these are licensed for your internal business use only during your membership and may not be redistributed.

Where your plan includes white-label websites, custom domains, or sub-office hierarchies, you are responsible for the content you publish, for the conduct of offices under your organization, and for having the rights to any brand assets you upload.

We may suspend or terminate access for non-payment, suspected fraud, security risk, or violation of these Terms. You may cancel at any time as described in Section 3. On termination, feature access ends, and you should export any data you need. We retain records as required by law and our retention schedule.

The Platform is provided “as is” and “as available,” without warranties of any kind to the fullest extent permitted by law, including warranties of merchantability, fitness for a particular purpose, uninterrupted service, or any specific business result, income, EFIN approval, or bank approval.

To the maximum extent permitted by law, EFIN Empire is not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits or lost data, and our total liability for any claim is limited to the amounts you paid us in the twelve months before the claim arose. [Confirm this cap with counsel.]

You agree to indemnify and hold harmless EFIN Empire from claims arising out of your use of the Platform, the returns and services you provide to your clients, your marketing, and your violation of these Terms or applicable law.

These Terms are governed by the laws of [insert state], without regard to conflict of law rules. [Insert your chosen dispute resolution provision — venue, arbitration, and class action waiver — after counsel review.]

We may update these Terms; continued use after the posted effective date means you accept the revised version. Contact enroll@efinempire.com or (504) 332-8180. [Insert registered business entity name and mailing address here.]