These Terms of Service (the “Terms”) are a binding agreement between you (“you” or “Client”) and River Taxes LLC (“River Taxes,” “we,” or “us”). They govern your access to our website, client portal, and applications (the “Platform”) and any bookkeeping, accounting, or tax-preparation services we provide to you (the “Services”).

By creating an account, accepting an engagement, or using the Platform, you agree to these Terms. If you are entering into them for a company or other entity, you represent that you have authority to bind that entity, and “you” refers to that entity.

1. What we provide

The Platform lets you connect financial accounts, import and categorize transactions, store documents, produce financial reports, communicate with our team, schedule and hold meetings, and pay invoices. The Services are the professional bookkeeping, accounting, and tax-preparation work performed by our team.

The Services in scope, the periods covered, and the fees are set out in your engagement letter, proposal, or subscription plan. Where an engagement letter conflicts with these Terms, the engagement letter controls for that engagement.

2. What we are not

We are not a bank, lender, money transmitter, or investment adviser, and we do not provide legal or investment advice. Unless we expressly agree in writing to perform one, our work is not an audit, review, compilation, attestation, or examination, and it cannot be relied on to detect fraud, error, or illegal acts. Reports produced by the Platform are management reports based on the data available to us.

3. Your account

You must be at least 18 and provide accurate registration information. You are responsible for the confidentiality of your credentials and for activity under your account. Tell us promptly at support@rivertaxes.com if you suspect unauthorized access. You may invite additional users; you are responsible for their use of the Platform and for removing access when it is no longer appropriate.

4. Connected financial accounts

When you connect a bank, card, or payment account, you authorize us and our account-connection provider to access account, balance, and transaction information on your behalf for the purpose of providing the Platform and Services. You represent that you are authorized to grant that access for every account you connect.

You may disconnect an account at any time. Disconnecting stops future data collection; it does not remove data already imported into your books, which generally must be retained as part of your accounting records.

5. Automated and AI-assisted processing

The Platform uses automated systems, including machine-learning models operated by third-party providers, to suggest categories for transactions, extract data from documents you upload, and assist our team. To do this, transaction details and document contents may be transmitted to those providers for processing.

These outputs are suggestions, not professional judgments, and they can be wrong. Items the system is unsure about are flagged for review, but you remain responsible for reviewing and approving your books and for the accuracy of anything filed on your behalf. Nothing in this section reduces our obligations under Section 7.

6. Meetings and recording

The Platform supports video and phone meetings. Meetings may be recorded so our team can prepare your work accurately and keep a record of what was discussed. When a meeting is being recorded, participants are told at the start.

Some states require the consent of every participant before a call may be recorded. By joining a meeting after being notified that it is being recorded, you consent to that recording. If you do not consent, tell us before or at the start and we will turn recording off or proceed another way. You may ask us to delete a recording at any time, and we will do so unless we are required to retain it.

7. Tax return information (IRC §7216)

Federal law places strict limits on how a tax return preparer may use or disclose the information you provide to prepare your return. Unlawful use or disclosure of that information can carry criminal penalties.

We will not use your tax return information for any purpose other than preparing and filing your return, and we will not disclose it to anyone outside our firm, unless you give separate written consent meeting the requirements of Treasury Regulation §301.7216-3, or the law otherwise requires or permits it — for example, in response to a court order or a lawful demand from a tax authority. Any consent we request will be a standalone document identifying what information is involved and who would receive it, and you are free to decline.

8. Your responsibilities

The quality of our work depends on what you give us. You agree to:

provide complete, accurate, and timely information, records, and documents;
review and confirm categorizations, reconciliations, and reports we present to you;
review any return or filing before authorizing us to submit it;
keep the underlying source records the law requires you to keep; and
tell us promptly about changes that affect your books or filings.

We are entitled to rely on the information you provide without independent verification. We are not responsible for penalties, interest, or other consequences arising from information that is inaccurate, incomplete, or late, or from your failure to review work before approving it.

9. Fees and payment

Subscription fees are billed in advance on the cycle shown at checkout and renew automatically until cancelled. Project and catch-up work is billed as set out in your engagement or payment link. You authorize us to charge your saved payment method for amounts due.

Cancelling stops future renewals; access continues through the end of the paid period. Fees already paid are non-refundable except where required by law or expressly agreed. We may suspend Services on materially overdue accounts after notifying you.

10. Term, termination, and your data

Either party may end this agreement at any time on written notice. You may close your account from the portal or by contacting us. We may suspend or terminate access if you materially breach these Terms, if the law requires it, or if continuing would create a conflict of interest or an ethical problem for us.

Before or promptly after termination you may export your data and request a copy of your records. We retain records as described in our Privacy Policy, including where professional standards or tax law require it. Termination does not affect fees already earned.

11. Confidentiality

We treat your financial and business information as confidential and disclose it only as needed to provide the Services, to service providers bound by confidentiality obligations, with your permission, or where the law requires. Section 7 governs tax return information specifically and is stricter.

12. Ownership

You own your data and the records you provide. You grant us the rights needed to host, process, and use that data to deliver the Platform and Services and to meet our legal obligations. We own the Platform, our software, and our methods and templates; nothing here transfers that to you. Work product we prepare for you is yours once the fees for it are paid.

We may use aggregated, de-identified information that does not identify you or your business to operate and improve our services.

13. Acceptable use

Do not use the Platform to break the law, to submit information you know to be false, to access data that is not yours, to disrupt or probe our systems, or to reverse engineer or resell the Platform. We may suspend access to protect the Platform or other clients.

14. Third-party services

The Platform relies on third-party providers for account connections, payments, communications, storage, infrastructure, and automated processing, and it can connect to services you authorize, such as your calendar. Those services operate under their own terms and we are not responsible for them. The categories of providers we use are described in our Privacy Policy.

15. Disclaimers

Except as expressly stated, the Platform is provided “as is” and “as available,” without warranties of any kind, express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Platform will be uninterrupted or error-free, or that automated categorizations will be accurate. We will perform the Services with the professional care and skill reasonably expected of a firm doing comparable work.

16. Limitation of liability

To the maximum extent permitted by law, neither party is liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenue, data, or goodwill, even if advised of the possibility. Our total aggregate liability arising out of or relating to these Terms, the Platform, or the Services will not exceed the fees you paid us in the twelve months preceding the event giving rise to the claim.

These limits do not apply to liability that cannot be limited under applicable law, and nothing here limits our obligations under Section 7 or under applicable professional standards. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

17. Indemnification

You agree to indemnify and hold River Taxes LLC harmless from third-party claims arising out of your breach of these Terms, your misuse of the Platform, or information you provided that was inaccurate or that you were not authorized to provide — except to the extent the claim arises from our own negligence or willful misconduct.

18. Resolving disputes

If a dispute arises, contact us first at support@rivertaxes.com; most issues are resolved quickly. Both parties agree to attempt a good-faith resolution for at least thirty days before starting formal proceedings.

These Terms are governed by the laws of the State of Illinois, without regard to its conflict-of-laws rules, and the state and federal courts located in Cook County, Illinois have exclusive jurisdiction, except that either party may seek injunctive relief where appropriate.

19. Changes to these Terms

We may update these Terms. If a change is material we will give reasonable advance notice by email or in the portal before it takes effect. Continuing to use the Platform or Services after the effective date means you accept the updated Terms. If you do not agree, you may close your account.

20. General

These Terms, together with your engagement letter and our Privacy Policy, are the entire agreement between us. If a provision is held unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets. The parties are independent contractors.

21. Contact

Questions about these Terms: support@rivertaxes.com or (877) 748-3709. You can also reach us through the messages area of your portal.