1. Acceptance of Terms
By accessing or using this website, submitting forms, or engaging the services of Haven Financial Solutions, you (“Client,” “you,” or “your”) agree to be bound by these Terms & Conditions. If you do not agree to these Terms, you should not use this website or our services.
Use of this website does not create a client–service provider relationship until services are formally accepted and required agreements, consents, and disclosures are completed.
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2. Scope of Services
Haven Financial Solutions provides tax preparation, bookkeeping, and related financial services to individuals and small businesses. All services are operated, managed, and governed from the Commonwealth of Virginia and are subject to applicable federal and Virginia laws.
Services may include, but are not limited to:
• Federal and state income tax return preparation
• Small business tax services, as agreed
• Tax planning and general tax guidance
• Bookkeeping services provided on a case-by-case or recurring basis when mutually agreed upon in writing
Submission of information through this website does not obligate Haven to provide services and does not establish a professional relationship until accepted.
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3. Client Responsibilities
You agree that all information you provide is accurate, complete, and truthful to the best of your knowledge. Haven relies entirely on information supplied by you and is not responsible for errors, penalties, or consequences resulting from incomplete, incorrect, or omitted information.
You understand and acknowledge that:
• Income must be reported whether or not a tax form (such as a 1099) is received
• You are responsible for maintaining records to support items reported on your tax return
• Haven may ask follow-up questions to meet IRS due diligence and compliance requirements
You remain legally responsible for the accuracy of all tax filings.
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4. No Guarantee of Refund or Outcome
Haven Financial Solutions does not guarantee any specific refund amount, tax result, approval, or processing timeline. Outcomes depend on information provided by the client and determinations made by the IRS and applicable state agencies.
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5. Third-Party Products and Services
Haven may offer or facilitate access to third-party products or services, including tax software platforms, payment processors, refund-related bank products, or other financial tools. Haven is not responsible for the terms, decisions, delays, errors, or actions of any third-party provider.
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6. Payments and Fees
Clients may begin with a free, no-obligation quote. If the client chooses to proceed, all fees for services will be clearly disclosed and agreed upon before any work begins.
Payment for tax preparation and related services is due as agreed and is not dependent on the receipt, amount, or approval of any tax refund. Payments may be made through approved electronic payment processors or other authorized payment methods.
If services are initiated but cannot be completed due to the client’s failure to provide required information, documentation, authorizations, or timely responses, non-filing and/or administrative fees may apply. These fees compensate for time and resources incurred and remain payable regardless of filing outcome.
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7. Limitation of Liability
To the fullest extent permitted by Virginia law, Haven Financial Solutions shall not be liable for any indirect, incidental, consequential, or special damages arising from the use of this website or services provided.
Haven’s total liability for any claim related to services rendered shall not exceed the fees paid for the specific services giving rise to the claim.
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8. Governing Law
These Terms & Conditions are governed by the laws of the Commonwealth of Virginia, without regard to conflict-of-law principles.
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SECTION 2
PRIVACY POLICY & ELECTRONIC COMMUNICATIONS CONSENT
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1. Information We Collect
We collect personal and sensitive information necessary to provide tax and bookkeeping services, which may include:
• Names, addresses, phone numbers, and email addresses
• Social Security numbers and dates of birth
• Income, tax, and financial information
• Dependent and household information
• Health insurance or marketplace-related data, when applicable
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2. How We Use Your Information
Your information is used solely for legitimate business purposes, including:
• Preparing and filing tax returns
• Meeting IRS due diligence and compliance requirements
• Communicating with you regarding services
• Processing payments or authorized bank-related products
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3. Data Storage and Security
Client information may be stored or processed using secure third-party platforms, including tax software, cloud storage, e-signature services, and payment processors.
Haven implements reasonable administrative, technical, and physical safeguards to protect your information in accordance with applicable federal and Virginia regulations. No system is completely secure.
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4. Information Sharing
We do not sell or rent your personal information. Information may be shared only:
• With the IRS or state tax agencies as required by law
• With third-party service providers necessary to complete services
• As required by law, regulation, or legal process
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5. Data Breach Notification
In the event of a data breach involving personal information, Haven Financial Solutions will comply with all applicable Virginia and federal data breach notification laws.
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6. Record Retention
Client records are retained in accordance with IRS regulations and applicable laws. Clients are encouraged to maintain copies of their tax and financial documents for their own records.
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7. Electronic Delivery and Signatures
You consent to receive documents, disclosures, and communications electronically. Electronic signatures are legally binding and have the same force and effect as handwritten signatures.
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8. Email and SMS Communications
By providing your contact information, you consent to receive service-related communications, reminders, and updates via email and SMS. Marketing messages may also be sent. Message and data rates may apply. You may opt out of marketing communications at any time.
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9. Call Recording
Telephone calls with Haven Financial Solutions may be recorded for quality assurance, training, and documentation purposes, in accordance with applicable Virginia one-party consent laws.
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10. Communication Limitations
Electronic communications are not guaranteed to be secure. Clients are encouraged not to transmit sensitive information outside of Haven’s designated secure platforms.
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11. Consent Acknowledgment
By using this website, submitting forms, or engaging our services, you acknowledge and consent to this Privacy Policy, Electronic Communications Consent, and the Website Terms & Conditions.