Terms of Service

These Terms constitute a legally binding agreement between you ("User," "you," or "your") and Kalpana V, doing business as USTaxPenaltySaver ("Company," "we," "us," or "our") governing your access to and use of our website, applications, tools, and services.

1. Nature of Our Service

2. Critical Disclaimers

3. User Responsibilities and Acknowledgments

By using our Service, you acknowledge and agree that:

• You understand this is an estimation tool, not professional tax advice
• You will provide accurate and complete information for calculations
• You are solely responsible for verifying all calculations independently
• You will review and customize all document templates before use
• You are solely responsible for any documents you submit to the IRS
• You will consult qualified tax professionals for advice on your specific situation
• You will not rely solely on our Service for tax decisions
• You are at least 18 years of age and legally capable of entering into contracts
• You will use the Service only for lawful purposes
• You will not attempt to circumvent security measures or access unauthorized areas

4. Account Terms

To access certain features, you may create an account. By creating an account, you agree:

• To provide accurate, current, and complete account information
• To maintain the security and confidentiality of your login credentials
• That you are responsible for all activity under your account
• To notify us immediately of any unauthorized account use
• That one person may maintain only one account
• That accounts are non-transferable

We reserve the right to suspend or terminate accounts that violate these Terms, at our sole discretion, with or without notice.

5. Payment Terms

For paid services:

• All prices are in US dollars unless otherwise stated
• Payment is processed securely through our third-party payment processor (Paddle)
• You authorize us to charge your designated payment method
• Prices are subject to change with reasonable notice
• Existing purchases are honored at the price paid

Refund Policy

We offer a 14-day money-back guarantee. If you are not satisfied with your purchase for any reason, you may request a full refund within 14 days of purchase — no questions asked. Refund requests can be submitted to support@ustaxpenaltysaver.com. Refunds are processed within 5-10 business days to the original payment method. For full details, see our Refund Policy.

6. Intellectual Property

All content, features, and functionality of the Service, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, software, calculation algorithms, and document templates, are the exclusive property of USTaxPenaltySaver or its licensors and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any material from our Service, except as incidental to normal Service use or as expressly permitted in writing.

7. Disclaimer of Warranties

8. Limitation of Liability

9. Indemnification

You agree to defend, indemnify, and hold harmless USTaxPenaltySaver and its officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorneys' fees and costs) arising from or related to:

• Your use of the Service
• Your violation of these Terms
• Your violation of any applicable law or regulation
• Your violation of any rights of any third party
• Any documents you submit to the IRS based on our Service
• Any claim that your use of the Service caused damage to a third party
• Any inaccurate information you provide to us

10. Dispute Resolution

A. Informal Resolution First

Before initiating any formal dispute resolution, you agree to first contact us at legal@ustaxpenaltysaver.com and attempt to resolve the dispute informally for at least thirty (30) days. Most concerns can be resolved this way.

B. Binding Arbitration

If informal resolution fails, any controversy, claim, or dispute arising out of or relating to these Terms or the Service shall be settled by binding arbitration administered by JAMS pursuant to its Streamlined Arbitration Rules and Procedures. The arbitration shall be conducted in English in the State of Delaware. The arbitrator's decision shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

C. Class Action Waiver

The arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of representative or class proceeding.

D. Exceptions

Notwithstanding the above, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property rights.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States of America, without regard to its conflict of law provisions. Any legal action or proceeding not subject to arbitration shall be brought exclusively in the federal or state courts located in Delaware.

12. Termination

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms. Upon termination:

• Your right to use the Service will cease immediately
• You must cease all use of the Service
• Provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnification, limitations of liability, and dispute resolution provisions

13. Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect. The invalidity of any provision shall not affect the validity of any other provision.

14. Force Majeure

We shall not be liable for any failure or delay in performing our obligations under these Terms where such failure or delay results from causes beyond our reasonable control, including but not limited to: acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, strikes, shortages of transportation, facilities, fuel, energy, labor, or materials, failure of telecommunications or information systems, or government actions.

15. Waiver

No waiver of any term or condition of these Terms shall be deemed a further or continuing waiver of such term or condition or any other term or condition. Our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

16. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will provide notice of material changes by posting the new Terms on this page with an updated "Last updated" date and, where appropriate, notifying you via email. Your continued use of the Service after any changes constitutes acceptance of the new Terms. It is your responsibility to review these Terms periodically.

17. Entire Agreement

These Terms, together with our Privacy Policy, Disclaimer, and Cookie Policy, constitute the entire agreement between you and USTaxPenaltySaver regarding the Service and supersede all prior and contemporaneous agreements, proposals, representations, and understandings, whether written or oral.

18. Contact Information

For questions about these Terms of Service: