You want the “AT YOUR OWN RISK” part to apply to things related to services, digital information, decisions, results, usage of the portal/program, and user responsibility — NOT physical items or being on the property.
Here is the corrected and cleaner version.
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UPDATED TERMS & CONDITIONS
(With “At Your Own Risk” applying ONLY to digital/services — not belongings)
Last Updated: [Add date]
1. ACCEPTANCE OF TERMS
By accessing, purchasing, or using any service, software, portal, program, or content provided by LTC Tax Service, LLC, J.D. Consulting & Associates, or SharePress, you agree to these Terms & Conditions.
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2. ALL SALES FINAL — NO REFUNDS
All payments are non-refundable.
This includes:
No refunds
No credits
No exchanges
No chargebacks
All sales are final once access or services begin.
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3. USE OF SERVICES AT YOUR OWN RISK
By using our services, software, portals, training, or digital tools, you acknowledge that:
a. Service Outcomes
You use all information, advice, and tools at your own risk.
We do not guarantee:
Refund dates
IRS timelines
Results from any training or consulting
That external systems (IRS, banks, lenders, etc.) will perform correctly
b. Digital Use & Data Handling
You understand that digital systems involve risks.
We are not liable for:
Lost or incorrect uploads
User device issues
Internet failure
Email delays
System access problems caused by the user
Errors caused by client-provided information
You are responsible for keeping your own copies of documents.
c. Decisions Made From Our Services
Any decision you make based on our:
Advice
Software
Courses
Tools
Programs
is done at your own risk.
We are not responsible for financial loss or IRS penalties resulting from information you or your clients submit.
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4. RIGHT TO SUSPEND OR TERMINATE ACCOUNTS
We may suspend, limit, or terminate access — without refund — if:
Fraud is suspected
A chargeback is filed
User violates policies
Misuse or unauthorized access occurs
Abusive or disrespectful behavior is displayed
No refund or credit will be issued for suspended or terminated accounts.
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5. PRIVACY — WE DO NOT SELL YOUR INFORMATION
We do not sell, share, or rent your information.
Your information is used only by LTC Tax Service and its affiliated companies for:
Completing tax services
Account setup and verification
Providing software/portal access
Customer communication
Legal compliance requirements
Processing payments
Your information remains confidential.
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6. USER RESPONSIBILITIES
You agree to:
Provide accurate and complete information
Upload documents correctly
Maintain your own copies of all files
Review all returns/forms before signing
Comply with tax regulations and deadlines
Secure your own devices and login information
We are not responsible for errors caused by you or your clients.
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7. THIRD-PARTY SYSTEMS — NOT OUR LIABILITY
We are not responsible for:
IRS processing delays
Bank processing delays
Software outages
Refund delays
Issues caused by outside companies
Technical problems due to your device or internet connection
These are beyond our control.
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8. LIMITATION OF LIABILITY
To the fullest extent allowed by law, we are not liable for:
Loss of income
Tax penalties caused by user errors
Delays caused by external agencies
Digital system failures
Business outcomes or training results
Misinterpretation of information
Any liability is limited strictly to the amount paid for the specific service.
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9. PROHIBITED USE
You agree not to:
Share your login credentials
Resell, copy, or distribute our materials
Give unauthorized users access to portals
Misuse software or try to reverse-engineer tools
Violations may result in legal action.
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10. PAYMENT AUTHORIZATION
By submitting payment, you confirm:
You are the authorized cardholder
You understand there are no refunds
You agree not to dispute valid charges
You agree to these Terms in full
Chargeback attempts may result in collections or legal action.
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11. MODIFICATIONS TO TERMS
We may update these Terms at any time. Continued use means acceptance of changes.
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12. CONTACT
For questions or concerns:
[Add your business email]
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If you want, I can also create:
✔ A shorter Terms & Conditions version for your service descriptions
✔ A Privacy Policy
✔ A Refund Policy (simple and strict)
✔ A Client Agreement for people using your tax portal
✔ A Software User Agreement for your preparers
Tell me which one you need next.