Terms of Service | TraderTax

Please Read Carefully These Terms contain a mandatory arbitration clause, a class action waiver, and significant limitations on TraderTax's liability. By using the platform you agree to be legally bound by all provisions herein.

Section 1

Acceptance of Terms

By accessing, registering for, or using any part of the TraderTax platform (the "Platform"), you ("User," "you," or "your") agree to be legally bound by these Terms of Service ("Terms"), our Privacy Policy, and any other policies incorporated herein by reference. If you are using the Platform on behalf of a business, you represent that you have authority to bind that business to these Terms.

Your acceptance is confirmed through a clickwrap mechanism at the time of registration, when using any calculator or tool, and when making any payment. TraderTax retains records of your acceptance including the timestamp, IP address, and Terms version accepted.

Section 2

Description of the Platform

2.1 Platform-Only Model

TraderTax is a technology platform and marketplace that connects users with independent, licensed tax professionals including Certified Public Accountants (CPAs) and Enrolled Agents (EAs) (collectively, "Tax Professionals"). TraderTax is NOT a CPA firm, accounting firm, law firm, financial advisory firm, or tax preparer.

Critical Disclaimer TraderTax does not provide tax advice, legal advice, financial advice, or accounting services of any kind. All tax-related services are performed exclusively by independent Tax Professionals who are not employees, agents, or partners of TraderTax.

2.2 Services Provided by TraderTax

Online marketplace to browse and connect with independent Tax Professionals
Secure document upload, storage, and sharing tools
Encrypted messaging between Users and Tax Professionals
Payment processing and billing management
Filing status tracking and progress tools
Tax estimation calculators and educational tools
Notification and reminder systems

2.3 Services NOT Provided by TraderTax

Prepare, review, or file any tax return
Provide tax advice, opinions, or guidance
Provide legal or financial planning advice
Guarantee any tax outcome or refund amount
Warrant the accuracy of any Tax Professional's work
Represent Users before the IRS or any tax authority

Section 3

User Registration & Account

3.1 Eligibility

You must be at least 18 years old and a legal resident or citizen of the United States to create an account. By registering, you represent and warrant that all information provided is accurate, current, and complete.

3.2 Account Security & Your Responsibilities

You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. To keep your account secure, you agree to:

Choose a strong, unique password and update it regularly
Never share your username or password with any other person
Log out of the Platform when using a shared or public device
Notify TraderTax immediately at support@tradertax.net if you become aware of any unauthorized access or suspicious activity on your account

TraderTax is not liable for any loss or damage arising from your failure to maintain the security of your account credentials. TraderTax will never request your password via email or phone.

3.3 Account Termination

TraderTax reserves the right to suspend or terminate your account at any time, with or without notice, for any violation of these Terms or for conduct that TraderTax determines, in its sole discretion, is harmful to other Users, Tax Professionals, or the Platform.

Section 4

Independent Tax Professionals

4.1 Independent Contractor Relationship

All Tax Professionals on the Platform are independent contractors, not employees, agents, partners, or affiliates of TraderTax. TraderTax does not supervise, direct, or control the tax work performed by Tax Professionals. Tax Professionals provide services directly to Users as independent contractors. However, all Users are platform clients of TraderTax for purposes of onboarding, billing, communication, and ongoing service management.

4.2 No Guarantee of Licensing or Verification

TraderTax makes no representations or warranties regarding the qualifications, credentials, quality of work, accuracy, or performance of any Tax Professional. TraderTax does not independently verify the ongoing licensure, standing, or regulatory compliance of Tax Professionals. Users are encouraged to independently verify credentials with the relevant state licensing board. TraderTax shall not be liable for any loss resulting from a Tax Professional's failure to maintain required licensure.

4.3 Your Relationship with Tax Professionals

You are engaging the Tax Professional as an independent contractor for tax services
Any advice, filings, or representations made are solely the Tax Professional's responsibility
You remain solely responsible for the accuracy of all information you provide
You are responsible for reviewing and approving all tax filings before submission

4.4 Client Relationship & Non-Circumvention

All Users are platform clients of TraderTax for purposes of onboarding, billing, communication, and ongoing service management. Tax Professionals may not solicit, accept, or continue work with TraderTax Users outside of the Platform.

Non-Circumvention — Binding on All Parties Users and Tax Professionals expressly agree not to circumvent the Platform to establish or continue a direct service relationship for any services introduced through TraderTax, both during the User's active use of the Platform and for a period of twenty-four (24) months following termination or expiration of their Platform engagement. Violation constitutes a material breach and may result in immediate account termination, forfeiture of pending payments, and legal action for damages.

Section 5

Payments & Fees

5.1 All Payments Through TraderTax

All fees for tax services facilitated through the Platform must be paid exclusively through the TraderTax payment system. Any attempt to circumvent TraderTax's payment system is a material breach of these Terms.

5.2 Fee Structure

Service fees, pricing, and payment schedules are set by TraderTax and displayed at the time of engagement. TraderTax reserves the right to modify pricing at any time with reasonable notice to Users.

5.3 Refund Policy

All fees paid through the Platform are non-refundable except as required by applicable law or as explicitly approved by TraderTax in its sole discretion. Once a Tax Professional has been assigned and work has commenced, no refund will be issued. Payment disputes must be submitted to support@tradertax.net within 30 days of the charge.

5.4 Taxes on Services

You are responsible for any applicable taxes on services rendered to you through the Platform.

Section 6

Data, Documents & Confidentiality

6.1 Your Data

You retain ownership of all financial and tax data you upload to the Platform. By uploading data, you grant TraderTax a limited, non-exclusive license to process and store such data solely for the purpose of providing Platform services.

6.2 Data Access by Tax Professionals

Tax Professionals assigned to your account may access your data solely through the TraderTax platform. Tax Professionals are prohibited from downloading, copying, or storing your data outside of the Platform.

6.3 Access by Authorized TraderTax Personnel

Authorized TraderTax personnel may access your account information and data when necessary to operate the Platform, including for customer support, technical troubleshooting, quality assurance, fraud prevention, and regulatory compliance. All internal access is restricted to personnel with a legitimate business need.

6.4 Your Consent to Data Access

By creating an account, you acknowledge that your account information and financial data may be accessed by: (a) the licensed tax professional assigned to your account; and (b) authorized TraderTax personnel for Platform operations, in accordance with our Privacy Policy.

6.5 Data Retention

TraderTax retains your data in accordance with its Privacy Policy and applicable law. Tax records may be retained for the minimum period required by applicable federal and state law.

Section 7

Acceptable Use

You agree NOT to use the Platform to:

Submit false, fraudulent, or misleading tax information
Impersonate any person or entity
Upload malicious code, viruses, or harmful content
Attempt to gain unauthorized access to any part of the Platform
Engage in any activity that disrupts the Platform or other users' experience
Solicit Tax Professionals to work outside the Platform
Use Platform tools for any illegal purpose
Harvest, scrape, or collect user data from the Platform

Section 8

Disclaimer of Warranties

Platform Provided "As Is" TRADERTAX EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. TRADERTAX DOES NOT WARRANT THAT: (A) THE PLATFORM WILL BE UNINTERRUPTED OR ERROR-FREE; (B) ANY DEFECTS WILL BE CORRECTED; (C) THE PLATFORM IS FREE OF VIRUSES OR HARMFUL COMPONENTS; OR (D) RESULTS OBTAINED FROM USING THE PLATFORM WILL BE ACCURATE OR RELIABLE. TAX CALCULATOR OUTPUTS AND ESTIMATES ARE FOR INFORMATIONAL PURPOSES ONLY AND DO NOT CONSTITUTE TAX ADVICE.

Section 9

Limitation of Liability

Limitation of Liability — Please Read Carefully TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL TRADERTAX, ITS OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION: (I) IRS PENALTIES, FINES, OR ASSESSMENTS; (II) ERRORS OR OMISSIONS IN TAX FILINGS; (III) FAILURE TO FILE OR LATE FILING OF TAX RETURNS; (IV) LOST PROFITS OR REVENUE; (V) LOSS OF DATA; OR (VI) COST OF SUBSTITUTE SERVICES.

TRADERTAX'S TOTAL CUMULATIVE LIABILITY SHALL NOT EXCEED THE LESSER OF (A) TOTAL FEES PAID BY YOU IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM OR (B) FIVE HUNDRED DOLLARS ($500.00).

Section 10

Indemnification

You agree to indemnify, defend, and hold harmless TraderTax, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or connected with: (a) your use of the Platform; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; (d) any information you submit to the Platform; or (e) any tax services rendered to you by a Tax Professional.

Section 11

Force Majeure

TraderTax shall not be liable for any delay, failure, or interruption in the performance of its obligations arising out of events beyond its reasonable control, including but not limited to: internet or telecommunications outages; cyberattacks or ransomware; natural disasters; pandemic or public health emergency; acts of government or regulatory action; or third-party service provider failures (including Firebase, Stripe, or other infrastructure providers).

Section 11A

Platform Security & Liability for Security Incidents

TraderTax employs commercially reasonable safeguards to protect user data, including encryption, role-based access controls, and ongoing security monitoring. No technology system can be guaranteed completely secure.

To the fullest extent permitted by applicable law, TraderTax is not liable for security incidents — including unauthorized access, data breaches, cyberattacks, credential theft, or third-party infrastructure failures — that result from factors outside our reasonable control.

Shared Security Responsibility TraderTax is responsible for maintaining secure systems and infrastructure. You are responsible for protecting your login credentials and promptly notifying us of any suspected unauthorized access. TraderTax is not liable for incidents caused or enabled by your failure to maintain credential confidentiality.

Section 12

Electronic Communications Consent

By creating an account or using the Platform, you expressly consent to receive all communications from TraderTax electronically, including these Terms, the Privacy Policy, filing status notices, payment confirmations, and marketing communications (where applicable). You may withdraw consent to receive marketing communications at any time via the unsubscribe link in any marketing email.

Section 13

Dispute Resolution & Arbitration

Mandatory Arbitration — Waiver of Jury Trial BY ACCEPTING THESE TERMS, YOU WAIVE YOUR RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION LAWSUIT. ANY DISPUTE ARISING OUT OF OR RELATED TO THESE TERMS MUST BE RESOLVED THROUGH BINDING INDIVIDUAL ARBITRATION, EXCEPT AS SET FORTH BELOW.

13.1 Informal Resolution

Before initiating arbitration, you must first contact TraderTax at support@tradertax.net with a written description of the claim. TraderTax will attempt to resolve the dispute within 60 days.

13.2 Binding Arbitration

If informal resolution fails, any claim shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules in Austin, Texas, or by video conference for disputes under $10,000.

13.3 Class Action Waiver

All arbitrations shall be conducted on an individual basis only. You may not bring or participate in any class action, collective action, or representative proceeding against TraderTax.

13.4 Exceptions

Either party may bring claims in small claims court. TraderTax may seek injunctive or equitable relief in any court to protect intellectual property or Platform security.

Section 14

Governing Law

These Terms shall be governed by the laws of the State of Texas, without regard to its conflict of laws provisions. Subject to the arbitration clause above, you consent to exclusive jurisdiction and venue in the state and federal courts located in Travis County, Texas.

Section 15

Modifications to Terms

TraderTax reserves the right to modify these Terms at any time. We will notify Users of material changes via email or a prominent notice on the Platform. Continued use of the Platform after the effective date of any modification constitutes acceptance of the updated Terms.

Section 16

Miscellaneous

16.1 Entire Agreement

These Terms, together with our Privacy Policy and any applicable service agreement, constitute the entire agreement between you and TraderTax and supersede all prior agreements.

16.2 Severability

If any provision is found invalid or unenforceable, the remaining provisions shall remain in full force and effect.

16.3 No Waiver

TraderTax's failure to enforce any provision shall not constitute a waiver of its right to enforce such provision in the future.

16.4 Contact

Questions? TraderTax, LLC | support@tradertax.net | tradertax.net

Section 17

Offshore & Foreign Brokerage Accounts

🌍 Offshore Addendum — Applies if You Hold Foreign Financial Accounts This section applies to any User who holds, controls, trades through, or has a beneficial interest in any offshore or non-U.S. brokerage account, foreign financial account, or account maintained outside the United States ("Foreign Account"). If this applies to you, please read this section carefully before proceeding.

17.1 Platform Role and Limitations

TraderTax is a technology platform and coordination service — not a CPA firm, law firm, or registered investment advisor. All tax preparation and filing services related to Foreign Accounts are performed exclusively by independent licensed tax professionals assigned through the Platform. TraderTax does not independently verify the accuracy, completeness, or legal standing of information provided by Users regarding Foreign Accounts, and does not assume responsibility for outcomes resulting from incomplete or inaccurate disclosures.

17.2 User Responsibility for Full and Complete Disclosure

You are solely and exclusively responsible for disclosing all Foreign Accounts to TraderTax and your assigned tax professional. Full disclosure includes but is not limited to:

The name and country of domicile of each foreign financial institution
Account numbers or partial identifiers for each Foreign Account
The maximum value of each account at any point during the applicable tax year
All transaction records, including deposits, withdrawals, trades, and internal transfers
Any foreign currency information relevant to the account
Prior foreign account reporting history, including previously filed FBAR or FATCA forms
Any foreign taxes paid or withheld on account activity

Failure to provide complete and accurate Foreign Account information may result in inaccurate filings, missed reporting deadlines, missed reporting requirements, and potential civil or criminal penalties under applicable U.S. law. TraderTax and the assigned tax professional bear no responsibility for outcomes arising from your failure to fully disclose Foreign Account information.

17.3 Applicable Foreign Reporting Requirements

Depending on the nature, value, and activity of your Foreign Accounts, additional U.S. reporting obligations may apply. These may include, without limitation:

FinCEN Form 114 (FBAR) — required if the aggregate maximum value of all foreign financial accounts exceeded $10,000 at any time during the calendar year
IRS Form 8938 (FATCA) — required based on the total value of specified foreign financial assets and your filing status
Additional forms or schedules as required by applicable federal or state law

Your assigned tax professional will assess applicable reporting requirements based solely on the information you provide. TraderTax does not guarantee that all applicable reporting requirements will be identified or fulfilled if you provide incomplete, inaccurate, or untimely information.

17.4 Premium Service Requirement for Foreign Account Clients

Due to the materially greater complexity of foreign financial account reporting, Users with offshore or foreign brokerage accounts are required to engage TraderTax services through the Strategize It tier or a designated premium-tier equivalent. Lower-tier service packages do not include the review, documentation, and reporting assessment capacity required for Foreign Account engagements. TraderTax reserves the right to decline or defer Foreign Account engagements that do not meet minimum documentation requirements or that fall outside the scope of available Tax Professional capacity.

17.5 Client Acknowledgements — Foreign Account Users

By using the Platform in connection with Foreign Account filing services, and by accepting the offshore addendum in the required agreements flow, you expressly acknowledge and agree that:

You are responsible for providing complete, accurate, and timely records for all Foreign Accounts
Incomplete, inaccurate, or undisclosed information may cause errors, delays, missed deadlines, or non-compliance with applicable reporting requirements
TraderTax's liability in connection with Foreign Account filings is strictly limited as set forth in Section 9 of these Terms
You have independently reviewed, or will independently review, your obligations under applicable U.S. law regarding foreign financial account reporting
Offshore brokerage platforms may be subject to regulatory restrictions applicable to U.S. persons, and you are solely responsible for your own compliance with any such restrictions
TraderTax does not assist in, condone, or facilitate the circumvention of any applicable platform terms, regulatory requirements, or reporting obligations
You understand that engaging TraderTax's services does not constitute legal advice or guarantee regulatory compliance

17.6 No Guarantee of Compliance

TraderTax does not guarantee tax compliance, filing accuracy, or regulatory compliance in connection with Foreign Accounts. TraderTax's obligations under any service agreement are limited to coordinating the engagement of a qualified tax professional and facilitating the documentation, onboarding, and communication process. The quality, accuracy, and completeness of Foreign Account filings depend entirely on the completeness and accuracy of information provided by you to your assigned tax professional.

17.7 Limitation of Liability — Foreign Accounts

In addition to the general limitations set forth in Section 9, TraderTax's liability in connection with any Foreign Account engagement — including any claim relating to FBAR non-filing, FATCA non-compliance, incorrect foreign income reporting, or any other foreign account reporting matter — is expressly limited to the fees paid by you for the specific engagement giving rise to the claim, and shall not exceed five hundred dollars ($500.00) under any circumstances. This limitation applies regardless of the theory of liability asserted, including contract, tort, negligence, or strict liability.

Attorney Review Recommended If you have complex foreign account arrangements, undisclosed foreign accounts from prior years, or any uncertainty regarding your foreign reporting obligations, TraderTax strongly recommends consulting with a licensed U.S. tax attorney or international tax specialist before engaging the Platform's services. TraderTax's services are not a substitute for qualified legal or tax counsel on complex cross-border matters.