📑 Terms & Conditions

1. Acceptance of Terms

By using our website, tax preparation services, mobile application, or enrolling as a preparer or affiliate, you agree to comply with these Terms & Conditions. If you do not agree, you should not use our services.

2. Services Provided

PTS provides two categories of services:

• Tax Preparation Services – including filing of federal and state tax returns, refund advances, and related financial products.
• Business Opportunity Program – allowing individuals to join PTS as independent contractors (tax preparers) to earn commissions and team overrides.

3. Independent Contractor Status

All preparers and affiliates are considered independent contractors, not employees of PTS. As such, you are responsible for:

• Your own business expenses, taxes, and compliance with federal/state requirements.
• Obtaining and maintaining any licenses, PTIN, or EFIN (if applicable).
• Following all IRS regulations and industry standards.

4. Compensation & Payments

• Clients: Fees for tax preparation will be clearly disclosed before filing. Bank product or refund advance fees (if applicable) are set by the financial institution and disclosed upfront.
• Preparers: Compensation is based on commission percentage and overrides according to the PTS tiered compensation plan. Payments are processed weekly or as otherwise disclosed.
• Refund Advances: Approval is subject to bank partner underwriting. PTS is not responsible for delays, denials, or reductions from third-party financial institutions.

5. User Responsibilities

By using our services, you agree to:

• Provide accurate and truthful information when filing taxes or applying to join PTS.
• Maintain confidentiality of client information and follow all data security practices.
• Use PTS marketing materials ethically and in compliance with company guidelines.
• Not misuse our website, software, or resources for fraudulent purposes.

6. Refund Policy

• Tax preparation fees are generally non-refundable once a return has been filed.
• In cases of preparer error, PTS may provide corrective services at no additional charge.
• Our Refund Policy (posted separately) provides more details.

7. Intellectual Property

All content, logos, designs, training materials, and software provided by PTS remain the property of Prosperity Tax Solutions. You may not copy, reproduce, or distribute our materials without written consent.

8. Limitation of Liability

PTS is not responsible for:

• IRS or state agency processing delays, audits, or penalties resulting from inaccurate information provided by clients.
• Denials or delays of refund advances or bank products from third-party financial institutions.
• Earnings or results of independent preparers; success depends on individual effort and compliance.

9. Privacy Policy

Your use of our services is also governed by our Privacy Policy, which explains how we collect and protect your information.

10. Termination of Services

PTS reserves the right to terminate services or remove preparers/affiliates who:

• Engage in fraudulent, unethical, or illegal activity.
• Misrepresent PTS or misuse company resources.
• Fail to comply with these Terms & Conditions.

11. Governing Law

These Terms & Conditions are governed by the laws of the State of [Insert State]. Any disputes shall be resolved in the courts of [Insert County/State].

12. Contact Us

If you have questions regarding these Terms & Conditions, please contact us at: