Effective date: September 28, 2026 · Last updated: September 28, 2026
These Terms & Conditions (“Terms”) govern your access to and use of the website at planpreptax.com (the “Site”) and your engagement of Plan & Prep (“Plan & Prep,” “we,” “us,” or “our”) for Tax Planning, Tax Preparation, Bookkeeping, Payroll, and Fractional CFO services (together, the “Services”). By accessing the Site, submitting information through it, or engaging us for Services, you (“you,” “your,” or “Client”) agree to these Terms.
Your acceptance of these Terms in connection with our Services is confirmed when you sign an engagement letter with us, submit an intake form, or otherwise affirmatively indicate your agreement, such as by checking an “I agree” box. Simply browsing the Site’s general informational pages does not, by itself, create a service engagement.
If you do not agree to these Terms, please do not use the Site or engage us for Services. If you are accepting these Terms on behalf of a business, you represent that you have authority to bind that business, and “you” refers to that business as well as you individually.
Contents
Plan & Prep provides the following categories of services, each subject to a separate written engagement letter or service agreement with you:
The Site provides general information about these Services and may allow you to contact us, schedule consultations, or access a secure client portal. The Site itself is informational and does not constitute the rendering of professional services.
These Terms govern your use of the Site generally. The specific scope, fees, deliverables, timelines, and professional responsibilities for any Service you engage us to perform are set out in a separate engagement letter or service agreement signed by you and Plan & Prep. If there is a conflict between these Terms and a signed engagement letter for a specific Service, the engagement letter controls for that Service.
Our Services are limited to the scope specifically described in your engagement letter. We are not responsible for identifying issues, risks, errors, or opportunities outside that agreed scope. Any additional work you would like us to perform, including work outside the original scope, must be agreed to in a new or amended engagement letter before we begin that work.
You must be at least 18 years old and have the legal authority to enter into these Terms (and, where applicable, to bind the business you represent) to use the Site or engage our Services. If we provide you with a client portal account, you are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. Notify us immediately at the contact information in Section 27 if you suspect unauthorized use of your account.
Our ability to deliver accurate, timely Services depends on the information you provide. You agree to:
We are not responsible for errors, penalties, or delays resulting from incomplete, inaccurate, or untimely information you provide.
Our Services relate to tax, bookkeeping, payroll, and financial/CFO advisory matters. They do not constitute legal advice, investment advice, insurance advice, or a substitute for advice from a licensed attorney, registered investment advisor, or insurance professional. Nothing on the Site or in any deliverable should be construed as legal, investment, or insurance advice, and you should consult a qualified professional in those areas as needed.
Plan & Prep is not a Certified Public Accountants (CPAs) firm and our Services do not include audits, reviews, compilations, or other attest services that require CPA licensure. Nothing on the Site or in any communication should be understood to represent that our preparers or advisors are licensed CPAs unless specifically stated to you in writing. All Tax Planning and Tax Preparation Services are performed, or reviewed and supervised, by an Enrolled Agent (EA) licensed by the U.S. Department of the Treasury/Internal Revenue Service, and our Bookkeeping, Payroll, and Fractional CFO Services are provided on that same basis, under the oversight of our Enrolled Agent staff. If your needs require CPA-level attest services, let us know and we will do our best to refer you to an appropriately licensed professional.
We will perform Services using a level of skill and care consistent with generally accepted professional standards. However:
Except where expressly undertaken in a signed engagement letter or required by applicable law, our relationship with you is that of an independent contractor providing professional services, not a fiduciary relationship. Nothing in these Terms or in the course of providing Services should be construed as creating fiduciary duties, a partnership, joint venture, agency, or trust relationship between you and Plan & Prep.
We treat information you share with us as confidential and handle it consistent with our Privacy Policy and applicable professional and legal obligations, including IRC §7216 (for tax return information) and the Gramm-Leach-Bliley Act (for nonpublic personal financial information). We will not disclose your confidential information to third parties except as described in our Privacy Policy, authorized by you, or required by law.
The Site, including its text, design, graphics, logos, and software, is owned by Plan & Prep or our licensors and is protected by intellectual property laws. You may view and use the Site for your personal or internal business purposes related to engaging our Services, but you may not copy, modify, distribute, sell, or create derivative works from the Site or its content without our prior written consent.
Once you have paid all fees due for a specific engagement, you own the final deliverables we prepare for you under that engagement, such as your completed tax return, financial statements, or payroll reports. We retain ownership of our underlying work papers, internal analyses, templates, methodologies, and proprietary tools used to produce those deliverables, and nothing in these Terms transfers ownership of those materials to you.
Our deliverables are prepared solely for your use in connection with the Services described in your engagement letter. Unless we expressly agree otherwise in writing, our deliverables are not intended for reliance by, and may not be relied upon by, any third party, including lenders, investors, or other parties to whom you may provide them, and we accept no responsibility or liability to any such third party.
In the course of providing Services, we may communicate with you and exchange sensitive financial, tax, and personal information by email, text message, client portal, or other electronic means. You acknowledge that electronic communication carries inherent risks, including possible interception, delay, or unauthorized access, despite the safeguards described in our Privacy Policy. By engaging our Services and communicating with us electronically, you consent to the use of these methods and accept the associated risks. Where available, we encourage you to use our secure client portal for sharing particularly sensitive documents.
You agree not to:
If you opt in to receive text messages from us (including through our use of Microsoft Teams Phone / SMS services), the following terms apply:
For more detail, see the SMS section of our Privacy Policy.
The Site or our Services may reference or link to third-party websites, software, or service providers, such as accounting, payroll, or bank-feed platforms, that are not owned or controlled by Plan & Prep. We are not responsible for the content, privacy practices, or terms of those third parties. Your use of any third-party service is subject to that provider’s own terms and policies.
THE SITE AND ANY GENERAL INFORMATION ON IT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY, EXCEPT AS EXPRESSLY SET OUT IN A SIGNED ENGAGEMENT LETTER FOR SPECIFIC SERVICES. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.
To the maximum extent permitted by law, Plan & Prep and its owners, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost data, or business interruption, arising out of or related to the Site or the Services, even if advised of the possibility of such damages. To the extent liability cannot be excluded, our total aggregate liability for any claim arising out of or related to the Services will not exceed the greater of (a) the fees you paid to us for the specific Services giving rise to the claim in the 12 months preceding the claim, or (b) $1,000, except where a signed engagement letter states otherwise or where prohibited by law.
You agree to indemnify and hold harmless Plan & Prep and its owners, employees, and agents from any claims, damages, liabilities, and expenses, including reasonable attorneys’ fees, arising out of: (a) your breach of these Terms; (b) inaccurate, incomplete, or untimely information you provided to us; (c) your violation of applicable law; or (d) your misuse of the Site or Services.
No individual owner, officer, employee, or contractor of Plan & Prep will have personal liability to you arising from Services performed on behalf of the firm. Any claim relating to the Services must be brought against Plan & Prep as an entity, and not against any individual acting within the scope of their role for the firm, except to the extent prohibited by law or arising from that individual’s own fraud or willful misconduct.
During the term of your engagement with us and for a period of [6 months] after it ends, you agree not to directly or indirectly solicit, recruit, or hire any employee or contractor of Plan & Prep who was involved in providing Services to you, without our prior written consent. This provision does not apply to general, non-targeted job postings not directed at our personnel. This period is independent of, and not tied to, the liability-cap period described in Section 17.
Either party may terminate an engagement for Services as provided in the applicable engagement letter. We may suspend or terminate your access to the Site or client portal at any time, with or without notice, for conduct that violates these Terms or that we believe is harmful to other users, us, or third parties. Termination does not relieve you of any payment obligations for Services already performed.
Upon termination or completion of an engagement, we will, upon your written request made within [90 days] of termination, provide you with copies of your original records and completed deliverables in our possession, less any fees you owe us. Requests made after that period, or requests for reproduction of archived files, may be subject to a reasonable retrieval fee. We are not obligated to retain your records indefinitely beyond the retention periods described in our Privacy Policy.
Sections relating to fees owed for Services already performed, Confidentiality, No Fiduciary Duty, Intellectual Property, Work Product, Third-Party Reliance, Electronic Communications & Security, Disclaimers, Limitation of Liability, Indemnification, No Personal Liability of Employees, Non-Solicitation of Employees, Return of Records, Dispute Resolution & Governing Law, Notices, and General Provisions, together with any other provision that by its nature should survive, will survive the termination or expiration of these Terms or any engagement.
These Terms are governed by the laws of the State of Colorado, without regard to its conflict-of-laws principles. Any dispute arising out of or relating to these Terms or the Services that cannot be resolved informally will be subject to the resolution process, including any arbitration or venue provisions, set out in your signed engagement letter; where no such provision applies, the parties consent to the exclusive jurisdiction of the state and federal courts located in Colorado. [Confirm this section matches any arbitration clause in your standard engagement letter.]
To the extent permitted by law, and except as your engagement letter provides otherwise, any dispute relating to the Site must be brought on an individual basis, and you waive any right to participate in a class, collective, or representative action against Plan & Prep.
We will not be liable for any delay or failure to perform resulting from causes outside our reasonable control, including natural disasters, acts of government, power or internet outages, or other events of force majeure.
Any formal notice required or permitted under these Terms must be in writing and delivered by email to the address in Section 27 (Contact Us), or by mail to our business address listed there. Notices are considered given when sent by email, absent evidence of non-delivery, or three business days after mailing.
We may update these Terms from time to time. We will post the revised Terms on this page with an updated “Last updated” date. Material changes affecting active engagements will be communicated to affected clients. Your continued use of the Site or Services after changes take effect constitutes acceptance of the revised Terms.
Questions about these Terms can be directed to:
Plan & Prep
6519 S Kit Carson St, Centennial, CO 80121
Email: Strategy@planpreptax.com
Phone: (720) 642-7072
