Terms and Conditions

1. Introduction

Welcome to Zisman US Tax (“Zisman”, “we”, “our”, or “us”). These Terms & Conditions (“Terms”) govern your use of our websites located at www.zismantax.com and blog.zismantax.com, any associated client portals, mobile applications, email communications, and tax preparation, advisory, and related services that we provide (collectively, the “Services”). Please read these Terms carefully. By accessing or using the Services, creating an account, or engaging us to perform tax work, you agree to be bound by these Terms, our General Engagement Letter, and our Privacy Policy, which is incorporated herein by reference.

If you do not agree with any part of these Terms, you must not access or use the Services.

2. Who We Are

Zisman US Tax, LLC is a boutique U.S. tax firm headquartered in Panama City, Panama, with U.S. operations in Texas, United States. We prepare U.S. tax returns and provide tax advice for individuals and entities worldwide. Unless otherwise required by local law, the principal governing jurisdictions for these Terms are the State of Texas (USA) and the Republic of Panama.

3. Eligibility & Client On-Boarding

You must be at least 18 years old and have the legal capacity to enter into contracts to use our Services. To engage us, you must:

Complete our online organizer;
Acknowledge (via checkbox in the organizer) that you have read and agree to the General Engagement Letter, which sets forth the scope of work, fee schedule, and deadlines; and
Provide requested documentation and information in a timely manner.

Your acknowledgment of the General Engagement Letter, together with these Terms, forms the entire agreement between you and Zisman (the “Agreement”). If any term in the General Engagement Letter conflicts with these Terms, the General Engagement Letter controls with respect to the specific engagement.

4. Scope of Services

We offer: (a) U.S. individual, business, trust, and estate tax return preparation; (b) international tax advisory; (c) IRS and state representation; and (d) ancillary consulting services. Unless expressly stated in writing, we do not provide legal advice, financial planning, or investment management.

4.1 Informational Content

Articles, blog posts, calculators, videos, webinars, and other educational content on our Sites are provided for general informational purposes only. They are not a substitute for personalized professional advice and should not be relied upon to make tax or financial decisions.

5. Client Responsibilities

You agree to:

Provide complete, accurate, and timely information.
Retain original source documents for at least seven (7) years.
Review all deliverables for accuracy before filing or signing.
Promptly sign e-file authorizations (e.g., Forms 8879) and any other required documents.
Pay invoices promptly upon issuance of a draft deliverable.

We are not responsible for penalties, interest, or other damages arising from incomplete, inaccurate, late, or misleading information you provide, or from your failure to act on our advice.

6. Fees, Invoicing & Payment

Our pricing is outlined on our website and/or in the General Engagement Letter. Quotes assume that information you provide is complete and accurate. We reserve the right to adjust fees if the scope of work changes or unforeseen complexities arise.

Payment Terms: Invoices are issued only when a draft return or advisory deliverable is presented for your review. Payment is due upon receipt of the draft and must be made before we e-file or release final deliverables.
Refunds: Fees for completed work are non-refundable. If you terminate an engagement before completion, you remain liable for the time and costs incurred to date.
We do not charge interest on late payments; however, we may suspend work on open engagements until payment is received.

7. Electronic Communications & Signatures

You consent to receive communications from us electronically, including via email, portal messages, SMS, and secure e-signature platforms (e.g., Adobe Sign, DocuSign). Electronic signatures have the same legal effect as wet signatures.

8. Confidentiality & Data Protection

We maintain strict confidentiality consistent with the U.S. Internal Revenue Code § 7216, Treasury Circular 230, the AICPA Code of Professional Conduct, Panamanian Law 81 of 2019, and (where applicable) the EU General Data Protection Regulation (GDPR).

Data Transfers: Because we operate globally, your information may be processed in the U.S., Panama, or other jurisdictions. By using our Services, you consent to such cross-border transfers.
Security: We employ industry-standard administrative, technical, and physical safeguards. No transmission over the Internet is completely secure; we cannot guarantee absolute security.

For more details, see our Privacy Policy.

9. Intellectual Property

All content on the Sites—including text, graphics, logos, videos, and software—is owned by Zisman or its licensors and protected by U.S. and international copyright, trademark, and other laws.

You may view, download, and print materials for your personal, non-commercial use.
You may not copy, modify, distribute, sell, or create derivative works without our prior written consent.

10. Third-Party Tools & Links

Our Sites may contain links to third-party websites or integrate tools provided by others (e.g., payment processors). We do not control and are not responsible for third-party content or practices. Your use of third-party sites is at your own risk.

11. Disclaimer of Warranties

Except as expressly stated in the General Engagement Letter:

The Services and all content are provided “as is” and “as available” without warranties of any kind, express or implied.
We disclaim all implied warranties, including merchantability, fitness for a particular purpose, title, and non-infringement.
We do not warrant that the Services will be error-free, secure, or uninterrupted.

Nothing in these Terms limits any warranties that cannot be disclaimed under applicable law.

12. Limitation of Liability

To the maximum extent permitted by law:

Zisman, its owners, employees, contractors, and affiliates will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages—including lost profits, revenue, or data—arising out of or related to the Services, even if advised of the possibility of such damages.
Our total liability in any matter arising out of or related to the Services will not exceed the amount you paid to us for the specific engagement giving rise to the claim.

13. Indemnification

You agree to defend, indemnify, and hold harmless Zisman and its personnel from any claims, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from:

Your breach of these Terms or applicable law;
Your infringement of intellectual property or other rights of a third party; or
Your misuse of the Services.

14. Governing Law & Jurisdiction

These Terms and any dispute arising out of or relating to them are governed by:

The laws of the State of Texas, United States and
The laws of the Republic of Panama, without regard to conflict-of-law rules. Any legal action must be brought in the state or federal courts located in Austin, Texas, or the courts of Panama City, Panama, and you consent to the personal jurisdiction of such courts.

15. Dispute Resolution & Arbitration

Prior to litigation, you and Zisman agree to attempt to resolve disputes informally and in good faith. If unresolved within thirty (30) days, either party may elect to submit the dispute to binding arbitration administered by the American Arbitration Association (AAA) or another mutually agreed provider. The arbitration shall take place virtually or in Austin, Texas, in English, and judgment on the award may be entered in any court of competent jurisdiction.

Class Action Waiver: You may only resolve disputes with us on an individual basis and may not file a claim as a plaintiff or class member in a class, consolidated, or representative action.

16. Suspension & Termination

We may suspend or terminate your access to the Services at any time if you violate these Terms, fail to pay fees, or if required by law. You may terminate your account at any time by written notice; however, Sections 7–17 of these Terms will survive termination.

17. Modifications

We may update these Terms from time to time. We will post the revised Terms on this page with a new “Last Updated” date. Changes become effective upon posting. Continued use of the Services after changes become effective constitutes acceptance of the revised Terms.

18. Severability

If any provision of these Terms is held invalid or unenforceable, the remaining provisions will remain in full force and effect.

19. Entire Agreement & Assignment

These Terms, together with the General Engagement Letter and Privacy Policy, constitute the entire agreement between you and Zisman regarding the Services and supersede all prior agreements. You may not assign your rights or obligations under these Terms without our written consent. We may assign these Terms to an affiliate or successor without your consent.

20. Force Majeure

We are not liable for any delay or failure to perform due to events beyond our reasonable control, including acts of God, war, terrorism, labor disputes, government actions, pandemics, network failures, or power outages.

21. Contact Us

If you have questions about these Terms or the Services, please email info@zismantax.com or call (281) 885-8857.