1. Acceptance of Terms

By accessing or using TaxCheckMe AI ("Service," "Platform," "we," "us," or "our"), you ("User," "you," or "your") agree to be bound by these Terms of Service ("Terms") and our Privacy Policy. These Terms apply to all users of the Service.

1.1 Agreement to Terms

• You must be at least 18 years old to use this Service
• You have the legal capacity to enter into binding agreements
• Your use of the Service constitutes acceptance of these Terms
• You agree to comply with all applicable laws and regulations

1.2 Updates to Terms

• We may modify these Terms at any time with 30 days notice
• Material changes will be communicated via platform notifications
• Continued use after changes constitutes acceptance
• You may terminate your account if you disagree with changes

2. Account Registration and Security

2.1 Username-Only Registration

• Username Requirements: Must be unique and between 3-30 characters
• Password Requirements: Minimum 8 characters with mixed case, numbers, and symbols
• No Email Required: We do not collect or require email addresses for account creation
• Account Recovery: Limited to username and backup codes only

2.2 Mandatory Two-Factor Authentication (2FA)

• Mandatory Setup: 2FA must be configured during account creation
• Authenticator Apps: Google Authenticator, Authy, or similar TOTP applications
• Backup Codes: Secure backup codes provided for account recovery
• No SMS Option: We only support app-based authentication for security
• Lost Access: Without backup codes, account recovery may be impossible

2.3 Account Responsibilities

• Maintain confidentiality of username, password, and 2FA codes
• Securely store backup codes in a safe location
• Immediately notify us of any unauthorized account access
• You are responsible for all activities under your account

3. Service Description

3.1 Tax Analysis Service

• AI-Powered Analysis: Multi-AI consensus system analyzes tax documents
• Anonymous Processing: Personal identifiers removed before AI analysis
• Automatic Deletion: Original documents deleted immediately after processing
• Optimization Recommendations: Personalized tax-saving strategies provided

3.2 Privacy-First Architecture

• No Data Retention: Tax documents are never permanently stored
• Anonymous Analysis: AI never sees names, SSNs, or personal identifiers
• Zero Hack Value: No stored data means nothing valuable to steal
• Real-Time Processing: Documents processed and deleted in single session

4. Acceptable Use Policy

4.1 Prohibited Uses

• Fraudulent Documents: Uploading false, forged, or fraudulent tax documents
• Third-Party Data: Uploading documents belonging to others without authorization
• System Abuse: Attempting to circumvent security measures or overload systems
• Illegal Activities: Using the Service for any illegal or unauthorized purpose
• 2FA Circumvention: Attempting to bypass or disable mandatory 2FA

5. Payment Terms and Billing

5.1 Credit System

• Purchase Required: Credits must be purchased before document analysis
• Credit Deduction: Credits are deducted only upon successful analysis completion
• No Refunds: Credits are non-refundable except as required by law or technical failures on our end
• Expiration: Credits do not expire unless account is terminated
• Anonymous Payments: Payment processing does not require email addresses

6. Disclaimers and Limitations

6.1 No Professional Advice

• Not Tax Advice: Our analysis does not constitute professional tax advice
• Not Tax Preparation: We do not prepare or file tax returns
• Professional Consultation: Always consult qualified tax professionals
• Individual Circumstances: Analysis may not account for your specific situation

7. Limitation of Liability

IMPORTANT: TO THE FULLEST EXTENT PERMITTED BY LAW, TAXCHECKME AI SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits or revenue
• Tax penalties or interest charges
• Data loss or corruption
• Business interruption
• Lost opportunities or savings
• Loss of 2FA access or backup codes

8. Privacy and Data Protection

9. Account Termination and Recovery

9.1 Account Recovery Limitations

• No Email Recovery: We cannot send password reset emails (we don't have your email)
• Backup Codes Only: Recovery requires backup codes provided during registration
• Permanent Loss: Lost backup codes may result in permanent account loss
• No Customer Support Recovery: Even our support cannot recover accounts without backup codes

10. Regulatory Compliance

10.1 Security Standards

• We comply with relevant financial data protection regulations
• Bank-level encryption for all data transmission and processing
• Regular security audits and penetration testing
• Mandatory 2FA exceeds industry security standards

11. Contact Information

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Document Version: 2.0 | Effective: August 6, 2025 | Last Updated: August 6, 2025
These Terms of Service reflect our username-only, mandatory 2FA security architecture and comply with applicable federal and state laws.