Effective Date: December 10, 2025
These Terms of Service ("Terms") govern your access to and use of the website located at https://taxmagiccollective.com/ (the "Site") and the tax preparation and consulting services ("Services") provided by Cregan and Co PA ("we," "us," "our," or "Tax Magic Collective").
BY ACCESSING OR USING OUR SITE OR SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE OUR SITE OR SERVICES.
By creating an account, engaging our Services, or otherwise accessing our Site, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy, which is incorporated herein by reference. These Terms constitute a legally binding agreement between you and Cregan and Co PA.
If you are using our Services on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.
Tax Magic Collective provides professional tax preparation, tax planning, consulting, and related financial services. Our Services may include, but are not limited to:
Individual and business tax return preparation
Tax planning and strategy consultation
IRS representation and audit support
Bookkeeping and accounting services
Financial consulting and advisory services
The specific Services provided to you will be outlined in a separate engagement letter or service agreement, which will supplement these Terms.
You must be at least 18 years old and capable of forming a binding contract to use our Services. By using our Services, you represent and warrant that you meet these requirements.
If you create an account, you are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.
As a user of our Services, you agree to:
Provide accurate, complete, and timely information and documentation necessary for us to perform our Services
Respond promptly to our requests for additional information or clarification
Review all documents and tax returns prepared by us before filing or submission
Maintain and retain copies of all tax returns, supporting documents, and correspondence
Comply with all applicable federal, state, and local tax laws and regulations
Not use our Services for any unlawful purpose or in any way that violates these Terms
Not attempt to gain unauthorized access to our systems or interfere with the proper functioning of our Site
You acknowledge that you are ultimately responsible for the accuracy and completeness of your tax returns. While we will exercise professional care in preparing your returns, you must review and approve all returns before filing.
5.1 Service Fees
Fees for our Services will be communicated to you in advance through a fee schedule, engagement letter, or invoice. Fees may be based on hourly rates, flat fees, or a combination thereof, depending on the nature and complexity of the Services requested.
All fees are quoted in U.S. dollars and are exclusive of any applicable taxes, which will be added to your invoice as required by law.
5.2 Payment Processing
Payments are processed securely through Stripe, Inc., a third-party payment processor. By making a payment, you agree to Stripe's Terms of Service and authorize us to charge your selected payment method.
We accept the following payment methods through Stripe: major credit cards (Visa, Mastercard, American Express, Discover), debit cards, and ACH bank transfers where available.
Payment is due upon receipt of invoice unless otherwise agreed to in writing. Invoices not paid within 30 days of the invoice date may be subject to a late fee of 1.5% per month (18% per annum) or the maximum rate permitted by law, whichever is less.
5.3 Subscription Services
If you subscribe to recurring Services, you authorize us to charge your payment method on a recurring basis according to the subscription terms. Subscription fees are billed in advance and are non-refundable except as expressly provided in Section 6 below.
You may cancel your subscription at any time, but cancellation will be effective at the end of the then-current billing period. No refunds will be issued for partial billing periods.
5.4 Failed Payments
If a payment fails due to insufficient funds, card expiration, or other reasons, we reserve the right to suspend Services until payment is received. You are responsible for updating your payment information to ensure successful processing.
6.1 Cancellation by Client
You may cancel Services at any time by providing written notice. Upon cancellation, you will be responsible for payment of all fees for Services performed up to the date of cancellation, including work in progress.
6.2 Refund Policy
Fees paid for completed Services are generally non-refundable. However, we may provide refunds in the following circumstances at our sole discretion:
Services were not performed as agreed
You cancel Services before work has commenced
Other exceptional circumstances as determined by us
Refund requests must be submitted in writing within 30 days of the invoice date. Approved refunds will be processed within 10 business days to the original payment method.
6.3 Satisfaction Guarantee
We are committed to providing high-quality Services. If you are not satisfied with our Services, please contact us immediately so we can address your concerns. We will work with you to resolve any issues to your satisfaction.
7.1 Professional Conduct
We are bound by professional standards including IRS Circular 230, which governs practice before the Internal Revenue Service, as well as applicable state regulations and professional codes of conduct. We will perform all Services in accordance with these professional standards.
7.2 Scope of Services
Our Services are limited to tax preparation, planning, and related financial consulting as described in your engagement letter. We do not provide:
Legal advice (consult an attorney for legal matters)
Investment advice subject to securities regulation (consult a licensed investment advisor)
Certified public accounting (CPA) audit services unless otherwise stated
Guarantees or warranties regarding specific tax outcomes or IRS decisions
7.3 No Guarantees
While we will exercise professional judgment and care in providing our Services, we cannot guarantee specific results, tax savings, refund amounts, or outcomes in dealings with tax authorities. Tax law is complex and subject to interpretation, and tax authorities may take positions different from ours.
We recognize the confidential nature of your financial and tax information. We will maintain the confidentiality of all client information in accordance with professional standards, applicable laws, and our Privacy Policy.
We may disclose your information only:
With your consent
As required by law or legal process
To tax authorities in connection with your tax filings
To our service providers who assist in delivering our Services (subject to confidentiality obligations)
All content on our Site, including text, graphics, logos, images, software, and other materials, is the property of Cregan and Co PA or our licensors and is protected by copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise use our content without our prior written permission, except as necessary to use our Services for their intended purpose.
Documents we prepare for you (such as tax returns) remain your property, but our work product, methodologies, templates, and proprietary materials remain our intellectual property.
TO THE MAXIMUM EXTENT PERMITTED BY LAW:
WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR USE, ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF OUR SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR OUR SERVICES SHALL NOT EXCEED THE TOTAL AMOUNT OF FEES PAID BY YOU TO US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE LIABILITY.
Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above limitations may not apply to you.
You agree to indemnify, defend, and hold harmless Cregan and Co PA, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to:
Your violation of these Terms
Your violation of any law or regulation
Your violation of any third-party rights
Inaccurate or incomplete information you provide to us
Your failure to review and approve documents before filing
12.1 Informal Resolution
If you have a dispute with us, you agree to first contact us and attempt to resolve the dispute informally by sending written notice describing the nature of the dispute and the desired resolution.
12.2 Arbitration
If we cannot resolve a dispute informally within 60 days, either party may initiate binding arbitration. Arbitration will be conducted by a single arbitrator in accordance with the rules of the American Arbitration Association. The arbitration will take place in [Insert Location/State], and judgment on the arbitration award may be entered in any court having jurisdiction.
Each party will bear its own costs and attorneys' fees in arbitration, unless the arbitrator awards costs and fees to the prevailing party.
12.3 Exceptions to Arbitration
Either party may seek injunctive or other equitable relief in court to prevent actual or threatened infringement or misappropriation of intellectual property rights.
12.4 Class Action Waiver
To the extent permitted by law, all disputes must be brought on an individual basis and not as part of a class action, collective action, or representative proceeding. You waive any right to participate in a class action lawsuit or class-wide arbitration.
Either party may terminate the professional relationship at any time with written notice. Upon termination:
You remain responsible for all fees incurred for Services provided up to the termination date
We will provide you with copies of your records in our possession upon request
Your access to our Site and Services may be suspended or terminated
Provisions of these Terms that by their nature should survive termination will continue to apply
We reserve the right to terminate or suspend your access to our Services immediately if you violate these Terms or engage in fraudulent, abusive, or illegal activity.
We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our Site and updating the effective date. Your continued use of our Services after such changes constitutes your acceptance of the modified Terms.
If you do not agree to the modified Terms, you must discontinue using our Services.
These Terms shall be governed by and construed in accordance with the laws of the State of [Insert State], without regard to its conflict of law principles.
Subject to the arbitration provisions in Section 12, any legal action or proceeding arising out of or related to these Terms shall be brought exclusively in the federal or state courts located in [Insert State/County], and you consent to the personal jurisdiction of such courts.
If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.
These Terms, together with our Privacy Policy and any engagement letter or service agreement, constitute the entire agreement between you and Cregan and Co PA regarding your use of our Services and supersede all prior agreements and understandings, whether written or oral.
Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision. No waiver shall be effective unless made in writing and signed by an authorized representative of Cregan and Co PA.
You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms without restriction. Any attempted assignment in violation of this section shall be null and void.
We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including acts of God, natural disasters, war, terrorism, labor disputes, governmental actions, or interruptions in internet or telecommunications services.
If you have any questions about these Terms, please contact us:
Cregan and Co PA
Tax Magic Collective
Website: https://taxmagiccollective.com/
Email: [email protected]
Phone: +1 727-501-6300
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By using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.
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