Prudence Accounting Services

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Terms and Conditions

Welcome to Prudence Accounting LLC! These Terms and Conditions (“Terms”) govern your access to and use of our services, website, and any related materials. By using our services, you agree to comply with and be bound by these Terms. If you do not agree, please refrain from using our services.

1. Services Offered

Prudence Accounting LLC provides a variety of financial services, including but not limited to:

Financial Planning: Comprehensive assessments to create customized financial strategies.
Investment Management: Portfolio management and investment advisory services.
Tax Preparation and Strategy: Assistance with tax preparation, planning, and filing to optimize tax outcomes.
Retirement Planning: Strategies for retirement savings, investment, and withdrawal planning.

2. Client Obligations

As a client, you agree to:

Accurate Information: Provide true, accurate, and complete information necessary for our services. This includes financial statements, tax documents, and any other relevant information.
Timely Updates: Notify us promptly of any changes to your personal, financial, or investment circumstances.
Review Materials: Regularly review any documents, reports, or advice provided by Prudence Accounting LLC and seek clarification if necessary.

3. Fees and Payment

Service Fees: Fees for services will be detailed in the engagement letter or service agreement you receive. These may be based on hourly rates, flat fees, or a percentage of assets under management.
Payment Terms: Invoices will be issued upon completion of services or on a monthly basis, as agreed. Payment is due within [30 days] of receipt unless otherwise specified.
Late Payments: We reserve the right to charge a late fee of [X%] per month on any overdue balance. Continued non-payment may result in suspension or termination of services.

4. Confidentiality and Privacy

Your privacy is paramount. We will handle your personal information in accordance with our Privacy Policy, which details how we collect, use, and protect your information. By using our services, you consent to the practices outlined in our Privacy Policy.

5. Limitation of Liability

To the fullest extent permitted by law:

Exclusion of Damages: Prudence Accounting LLC, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services, including but not limited to loss of profits, data, or goodwill.
Maximum Liability: Our total liability for any claim arising from these Terms or your use of our services shall not exceed the fees paid by you for the services that gave rise to the claim.

6. Idemnification

You agree to indemnify, defend, and hold harmless Prudence Accounting LLC and its affiliates from any claims, losses, liabilities, damages, or expenses (including reasonable attorneys' fees) arising from:

Your use of our services.
Your violation of these Terms.
Your violation of any rights of any third party, including intellectual property rights.

7. Intellectual Property

All content, materials, trademarks, and intellectual property displayed on our website and in our communications are the exclusive property of Prudence Accounting LLC or our licensors. You may not reproduce, distribute, modify, or otherwise use any of our intellectual property without prior written consent.

8. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of [Your State], without regard to its conflict of law principles. Any disputes arising from these Terms shall be resolved in the state or federal courts located in [Your County/State].

9. Dispute Resolution

In the event of a dispute, you agree to first attempt to resolve the dispute informally by contacting us. If the dispute cannot be resolved informally, you agree to participate in mediation before pursuing legal action.

10. Changes to Terms

We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting on our website, with the updated effective date indicated at the top. Your continued use of our services after such changes constitutes your acceptance of the revised Terms.

11. Termination

We may terminate or suspend your access to our services at any time, with or without cause and without prior notice. In the event of termination, your obligations under these Terms will survive.

12. Severability

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

13. Entire Agreement

These Terms, along with our Privacy Policy, constitute the entire agreement between you and Prudence Accounting LLC regarding your use of our services and supersede any prior agreements.

14. Contact Us

If you have any questions or concerns regarding these Terms and Conditions, please contact us at:

Prudence Accounting LLC
26 Devonshire Road, Cresskill, NJ 07626

P: +1 (201) 201 8861
info@prudenceaccountingllc.com

Return and Refund Policy

At Prudence Accounting LLC, we strive to provide exceptional financial services and ensure client satisfaction. This Return and Refund Policy outlines our practices regarding service refunds, cancellations, and any applicable fees. By engaging our services, you agree to the terms outlined in this policy.

1. Refund Eligibility

Refunds for services are subject to the following conditions:

Service Completion: Once a service has been fully completed and delivered, it is generally non-refundable. This includes financial planning sessions, investment management, tax preparation, and any other advisory services provided.
Client Satisfaction: If you are unsatisfied with the services provided, please contact us within [14 days] of service completion. We will review your concerns and determine if a partial refund or additional services may be warranted.

2. Cancellations

Cancellation of Services: Clients may cancel services at any time prior to the commencement of the work. Cancellations must be made in writing (email is acceptable) and will be effective upon receipt.
Refunds for Cancellations: If you cancel before any work has begun, you will receive a full refund of any fees paid. If work has already commenced, a prorated refund may be issued based on the percentage of work completed.

3. Fee Disputes

If you believe that a charge is incorrect or you wish to dispute a fee, please contact us at [Your Email Address] within [30 days] of the invoice date. We will review your dispute and respond promptly.

4. Changes to Services

Modification of Services: If you wish to modify the scope of services after the engagement has begun, please contact us to discuss any potential adjustments. Additional fees may apply for expanded services.
Refunds on Modifications: Refunds may not be applicable for services already rendered or initiated, but we will work with you to ensure your needs are met.

5. Exceptional Circumstances

In the event of extraordinary circumstances—such as illness, relocation, or other significant life changes—that prevent you from utilizing our services, please reach out to us. We will consider your situation on a case-by-case basis and may issue a partial refund or offer alternative solutions.

6. Contact Us

For any inquiries related to this Return and Refund Policy, please contact us at:

Prudence Accounting LLC
26 Devonshire Road, Cresskill, NJ 07626

P: +1 (201) 201 8861
info@prudenceaccountingllc.com

Terms and Conditions

Return and Refund Policy

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