Beacon Tax Relief
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Terms of Service

Effective: May 14, 2026

DRAFT — REQUIRES ATTORNEY REVIEW BEFORE PUBLICATION
This document is a production draft prepared for legal review. It is not legal advice. Do not publish without review and approval by qualified legal counsel experienced in FTC, CFPB, UDAP, and consumer financial services law. Version 1.0 — [DATE].

Terms of Service

**Beacon Tax Relief LLC **
Effective Date: [EFFECTIVE_DATE]
Last Updated: [LAST_UPDATED_DATE]

IMPORTANT NOTICE — PLEASE READ BEFORE USING THIS SERVICE

Beacon Tax Relief LLC IS A SOFTWARE AND DOCUMENT ASSISTANCE PLATFORM. WE ARE NOT A LAW FIRM, AN ACCOUNTING FIRM, AN ENROLLED AGENT FIRM, OR AN IRS-LICENSED REPRESENTATIVE. WE DO NOT REPRESENT YOU BEFORE THE INTERNAL REVENUE SERVICE OR ANY TAXING AUTHORITY. WE DO NOT PROVIDE LEGAL ADVICE, TAX ADVICE, OR REPRESENTATION. ALL FORMS, DOCUMENTS, AND SUBMISSIONS ARE YOUR RESPONSIBILITY TO REVIEW, SIGN, AND SUBMIT.

Table of Contents

  1. Acceptance and Eligibility
  2. Service Description and Limitations
  3. We Are Not Your Representative — Prominent Disclosure
  4. Subscription Plans and Billing
  5. Document Packs
  6. Acceptable Use
  7. IRC §7216 Consent Reference
  8. Intellectual Property
  9. Disclaimers of Warranty
  10. Limitations of Liability
  11. Indemnification
  12. Dispute Resolution — Arbitration and Class Action Waiver
  13. Governing Law
  14. Changes to These Terms
  15. General Provisions
  16. Contact Information

1. Acceptance and Eligibility

1.1 Agreement to Terms

By accessing or using any service, software, website, application, or platform operated by Beacon Tax Relief LLC (collectively, the "Service"), you ("User," "you," or "your") agree to be bound by these Terms of Service ("Terms"), our Privacy Policy, and any additional terms applicable to specific features or subscription tiers. If you do not agree to all of these Terms, do not use the Service.

Your use of the Service constitutes your affirmative acceptance of these Terms, including the arbitration agreement and class action waiver in Section 12. Please read that section carefully.

1.2 Eligibility Requirements

You may use the Service only if you:

(a) Age. Are at least 18 years of age. We do not knowingly provide services to persons under 18. If you are under 18, you may not use this Service.

(b) Residency. Are a resident of the United States. The Service is designed for U.S. taxpayers and is not available to users outside the United States.

(c) Taxpayer Status. Are a U.S. taxpayer (individual or authorized representative of a business entity) with a legitimate need to organize tax-related information or prepare IRS-related documents for your own use.

(d) Legal Capacity. Have the legal capacity to enter into a binding contract under applicable law.

(e) Geographic Availability. Are located in a state where Beacon Tax Relief LLC is currently authorized to offer services. Beacon Tax Relief LLC currently offers services in Texas, Florida, Arizona, Nevada, North Carolina, and Georgia. Service availability in additional states will be announced separately.

(f) Account Integrity. Have not previously been terminated from the Service for cause.

1.3 Business Users

If you are using the Service on behalf of a business entity, you represent that you have authority to bind that entity to these Terms, and "you" shall refer to both you individually and the entity.

2. Service Description and Limitations

2.1 What the Service Is

Beacon Tax Relief LLC provides a self-service software platform (the "Service") that:

  • Helps taxpayers organize financial information relevant to IRS resolution programs (including Offers in Compromise, installment agreements, Currently Not Collectible status, penalty abatement requests, and similar programs);
  • Generates IRS forms and documents (including Form 433-A, Form 433-B, Form 656, installment agreement requests, and penalty abatement letters) from data that you enter;
  • Provides educational content, guides, and explanations about IRS programs and processes;
  • Includes AI-assisted tools that provide informational responses about tax resolution processes; and
  • For higher subscription tiers, provides document organization assistance from trained service staff.

2.2 What the Service Is NOT

This is the most important section of these Terms. You must understand what Beacon Tax Relief LLC does not do.

(a) Not Legal Advice. Nothing in the Service, including AI-generated responses, educational content, document templates, staff communications, or any other output, constitutes legal advice. Beacon Tax Relief LLC does not provide legal advice. If you need legal advice, consult a licensed attorney.

(b) Not Tax Advice. Beacon Tax Relief LLC does not provide personalized tax advice. Information provided by the Service is general and educational in nature and does not constitute professional tax advice tailored to your specific situation.

(c) Not IRS Representation. Beacon Tax Relief LLC does not represent you before the IRS, the U.S. Tax Court, or any other taxing authority. Beacon Tax Relief LLC does not negotiate with the IRS on your behalf. Beacon Tax Relief LLC does not execute any agreements, settlements, or payment plans with the IRS. All communications with the IRS are your sole responsibility.

(d) Not a Debt Settlement Service. Beacon Tax Relief LLC is not a debt settlement company. We do not settle debts on your behalf. We do not renegotiate, adjust, or alter the terms of any obligation owed to the IRS or any other creditor on your behalf.

(e) Not a Credit Counseling Service. Beacon Tax Relief LLC is not a credit counseling organization.

(f) No Outcome Guarantee. Beacon Tax Relief LLC makes no representation, warranty, or guarantee that any IRS program, offer, agreement, or resolution will be approved, accepted, or successful. All IRS outcomes depend entirely on your individual financial circumstances, IRS determinations, and IRS discretion. Your use of the Service does not increase or guarantee any particular result.

2.3 Subscription Tiers

The Service is offered in four subscription tiers:

TierMonthly PriceDescription
Starter$49/monthSelf-guided tools, form generation, educational library
Standard$149/monthStarter features + AI assistant, expanded form library
Pro$299/monthStandard features + priority support, full form suite
Premium$499/monthPro features + concierge document assistance

Features and inclusions are described on the pricing page at [WEBSITE_URL]/pricing. Beacon Tax Relief LLC reserves the right to modify tier features upon 30 days' notice.

3. We Are Not Your Representative — Prominent Disclosure

THIS SECTION CONTAINS CRITICAL DISCLOSURES REQUIRED BY LAW AND Beacon Tax Relief LLC POLICY.

3.1 No Circular 230 Practice

Beacon Tax Relief LLC is NOT a Circular 230 practitioner and does not engage in "practice before the Internal Revenue Service" as defined by 31 CFR Part 10. Under Circular 230, only licensed attorneys, certified public accountants (CPAs), and enrolled agents (EAs) may represent taxpayers before the IRS, negotiate settlements, or appear in IRS proceedings. Beacon Tax Relief LLC staff are not licensed attorneys, CPAs, or enrolled agents, and will not act in any capacity that constitutes Circular 230 practice.

3.2 No Power of Attorney (Form 2848)

Beacon Tax Relief LLC will never hold, execute, or act under IRS Form 2848 (Power of Attorney and Declaration of Representative) for any customer. Form 2848 authorizes representation before the IRS and may only be executed by Circular 230 practitioners. No Beacon Tax Relief LLC staff member will sign, use, or act under a Form 2848.

3.3 You Make All Decisions

All decisions regarding IRS programs to pursue, information to provide to the IRS, forms to file, amounts to offer, and all other tax-related decisions are yours alone. The Service provides tools and information to help you make these decisions; it does not make them for you. You are solely responsible for all decisions made using the Service.

3.4 You Sign and Submit Everything

Every document, form, letter, or submission generated by the Service must be reviewed, signed, and submitted by you. Beacon Tax Relief LLC does not submit documents to the IRS on your behalf, does not sign documents on your behalf, and is not responsible for documents you submit.

3.5 Consult a Licensed Professional

For legal representation before the IRS, negotiation of settlements, or complex tax matters involving litigation or criminal tax issues, you should engage a licensed attorney, CPA, or enrolled agent. Nothing in these Terms or in your use of the Service prevents you from engaging such a professional.

4. Subscription Terms — Billing, Cancellation, and Refunds

4.1 Billing

(a) Recurring Billing. Subscriptions are billed on a recurring monthly basis (or annual basis for annual plans, where offered). By providing payment information and subscribing, you authorize Beacon Tax Relief LLC to charge your payment method for each billing cycle until you cancel.

(b) Billing Date. Your billing cycle begins on the date you subscribe. Subsequent charges occur on the same calendar date each month (or year for annual plans). If your billing date falls on a date that does not exist in a given month (e.g., the 31st), you will be billed on the last day of that month.

(c) Price Changes. Beacon Tax Relief LLC may change subscription prices upon 30 days' advance notice to your registered email address. Continued use of the Service after a price change takes effect constitutes acceptance of the new price.

(d) Taxes. Prices do not include applicable sales taxes, use taxes, or similar charges. You are responsible for any applicable taxes based on your location.

(e) Failed Payments. If your payment fails, Beacon Tax Relief LLC will attempt to retry the charge. If payment remains outstanding for [7] days, your account may be suspended. Access to your data is retained for [90] days after suspension to allow reactivation.

4.2 Cancellation

(a) How to Cancel. You may cancel your subscription at any time through your account dashboard at [WEBSITE_URL]/account/cancel, or by emailing [SUPPORT_EMAIL] with your cancellation request. Cancellation takes effect at the end of your current billing period. You will retain access to the Service through the end of the period for which you have paid.

(b) No Cancellation Fees. There is no fee for cancellation.

(c) Data After Cancellation. Upon cancellation, your account will be downgraded to a free read-only mode for [90] days, after which your data will be deleted in accordance with our data retention policy (see Privacy Policy). You may export your data at any time before deletion.

4.3 Refund Policy

(a) 14-Day Money-Back Guarantee — First Month Only. If you are a first-time subscriber, you may request a full refund of your first month's subscription fee within 14 days of your initial subscription purchase. To request a refund, email [SUPPORT_EMAIL] with the subject line "Refund Request" within 14 days of purchase. Refunds will be processed within 10 business days. This money-back guarantee applies only to your first subscription purchase and only within the 14-day window.

(b) No Refunds After 14 Days. After the 14-day money-back window expires, subscription fees are non-refundable. This includes mid-period cancellations — if you cancel before the end of a monthly billing period, you will not receive a prorated refund for unused days.

(c) Annual Plans. Annual subscription fees are prorated on a refund basis only if cancelled within 30 days of the annual renewal date. After 30 days, no refund is available. Prorated refunds for annual plans are calculated based on unused complete months remaining at the time of cancellation.

(d) Full details of the Refund Policy are set forth in the separate Refund Policy document available at [WEBSITE_URL]/refund-policy, which is incorporated herein by reference.

5. Document Packs

5.1 What Document Packs Are

Beacon Tax Relief LLC offers one-time Document Pack purchases priced at $99–$249 per pack. Each Document Pack is a collection of pre-generated IRS forms, letters, and supporting documents tailored to a specific IRS resolution program or scenario (e.g., "OIC Starter Pack," "Installment Agreement Pack").

5.2 Document Pack Terms

(a) One-Time Purchase. Document Pack purchases are one-time transactions, not subscriptions. No recurring charge occurs.

(b) Refund — Pre-Generation Only. Refunds for Document Packs are available only if the pack has not yet been generated. Once a Document Pack is generated (i.e., once your documents are created by the system using your entered data), the purchase is final and no refund will be issued, regardless of the reason.

(c) Generation Trigger. Document Pack generation begins when you click "Generate Pack" or equivalent action. Once initiated, the pack is considered generated even if you do not download it.

(d) Not Completed Forms. Document Packs are templates populated with your provided data. They are NOT completed, finalized, or IRS-ready submissions. You must review each document for accuracy, consult a qualified professional as appropriate, and sign all documents before submitting to the IRS.

(e) Accuracy. You are solely responsible for the accuracy of information you provide when generating a Document Pack. Beacon Tax Relief LLC is not responsible for errors, omissions, or incorrect information in generated documents that arise from inaccurate data you provided.

6. Acceptable Use

6.1 Permitted Uses

You may use the Service only for lawful purposes and in accordance with these Terms. Permitted uses include: organizing your own tax-related financial information, generating documents related to your own IRS matters, and accessing educational content about IRS programs.

6.2 Prohibited Uses

You agree not to:

(a) Use the Service to generate documents for third parties unless you are an authorized representative of that third party with their written consent;

(b) Submit fraudulent, false, or misleading information to the Service for use in documents intended for submission to the IRS;

(c) Attempt to circumvent, hack, or reverse-engineer any portion of the Service;

(d) Use the Service for any purpose that violates applicable law, including but not limited to tax fraud, identity theft, or wire fraud;

(e) Resell, sublicense, or make the Service available to third parties without Beacon Tax Relief LLC 's express written consent;

(f) Use automated means to access or use the Service beyond normal individual use;

(g) Attempt to access another user's account or data;

(h) Use the Service in connection with any illegal tax evasion scheme or fraudulent claim for refund.

6.3 Consequences of Misuse

Violation of these Acceptable Use provisions may result in immediate termination of your account without refund, and may expose you to civil and criminal liability. Beacon Tax Relief LLC reserves the right to cooperate with law enforcement investigations.

7. IRC §7216 Consent Reference

7.1 AI Processing of Tax Information

Beacon Tax Relief LLC uses artificial intelligence tools, including services provided by Anthropic PBC and OpenAI Inc., to power certain features of the Service. If you provide tax return information (as defined under IRC §7216) through the Service, your information may be processed by these AI providers as described in our Privacy Policy and the IRC §7216 Consent document.

7.2 Consent Required

Federal law (IRC §7216) prohibits tax return preparers from disclosing or using tax return information without taxpayer consent. Where §7216 applies to our operations, we obtain your affirmative written consent before any such disclosure. The consent is embodied in the separate IRC §7216 Consent and Authorization document presented at signup, which you must affirmatively agree to before AI-assisted features are enabled.

7.3 Scope of AI Processing

AI processing of your tax information is used solely for the purpose of providing you with the Service features you have requested. Neither Beacon Tax Relief LLC nor its AI providers will use your tax return information to train AI models, except as specifically consented to by you. See our Privacy Policy and the §7216 Consent document for details.

8. Intellectual Property

8.1 Service Ownership

The Service, including all software, content, designs, AI models, templates, educational materials, and documentation, is owned by Beacon Tax Relief LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws.

8.2 License to You

Subject to your compliance with these Terms and payment of applicable fees, Beacon Tax Relief LLC grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial use.

8.3 Your Content

You retain ownership of the data and information you input into the Service ("Your Content"). By submitting Your Content, you grant Beacon Tax Relief LLC a limited license to process, store, and use Your Content solely to provide the Service to you. We do not claim ownership of Your Content.

8.4 Feedback

If you provide feedback, suggestions, or ideas about the Service, you grant Beacon Tax Relief LLC a perpetual, irrevocable, royalty-free license to use such feedback for any purpose.

9. Disclaimers of Warranty

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, OR COMPLETENESS.

Beacon Tax Relief LLC DOES NOT WARRANT THAT:

(a) The Service will be error-free, uninterrupted, or secure;

(b) Any documents generated by the Service are legally sufficient for IRS submission;

(c) The IRS will accept, process, or approve any form, offer, or request prepared with the assistance of the Service;

(d) Information provided by AI tools is accurate, complete, or current;

(e) The Service will meet your specific tax resolution goals or achieve any particular outcome.

ALL RELIANCE ON THE SERVICE IS AT YOUR OWN RISK. FOR LEGAL REPRESENTATION AND PROFESSIONAL JUDGMENT ON YOUR SPECIFIC SITUATION, ENGAGE A LICENSED ATTORNEY, CPA, OR ENROLLED AGENT.

10. Limitations of Liability

10.1 Cap on Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, Beacon Tax Relief LLC 'S TOTAL AGGREGATE LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU TO Beacon Tax Relief LLC IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

10.2 Exclusion of Consequential Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, Beacon Tax Relief LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST DATA, LOSS OF GOODWILL, PENALTIES IMPOSED BY THE IRS OR ANY TAXING AUTHORITY, INTEREST ACCRUAL ON TAX DEBT, OR LOSS OF OPPORTUNITY, EVEN IF Beacon Tax Relief LLC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

10.3 Essential Basis

You acknowledge that these limitations of liability reflect a reasonable allocation of risk between the parties and are an essential element of the basis of the bargain between you and Beacon Tax Relief LLC . Without these limitations, Beacon Tax Relief LLC would not be able to provide the Service at these prices.

10.4 State Law Variations

Some jurisdictions do not allow exclusion of implied warranties or limitation of liability for certain types of damages. In such jurisdictions, Beacon Tax Relief LLC 's liability will be limited to the greatest extent permitted by applicable law. If you are located in such a jurisdiction, some of the exclusions above may not apply to you.

11. Indemnification

You agree to defend, indemnify, and hold harmless Beacon Tax Relief LLC , its officers, directors, employees, contractors, agents, licensors, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:

(a) Your use of the Service in violation of these Terms;

(b) Your violation of any applicable law, including tax laws, in connection with documents generated using the Service;

(c) Any inaccurate or fraudulent information you provided to the Service;

(d) Any claim by a third party arising from your use of the Service;

(e) Any IRS penalties, interest, or assessments arising from your use of documents generated by the Service.

12. Dispute Resolution — Mandatory Arbitration and Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO BRING A LAWSUIT IN COURT AND YOUR RIGHT TO A JURY TRIAL.

12.1 Informal Resolution First

Before initiating arbitration, you agree to first attempt to resolve any dispute informally by contacting [SUPPORT_EMAIL] with a written description of the dispute. We will attempt to resolve the dispute within 30 days of receipt.

12.2 Mandatory Arbitration

If informal resolution fails, any dispute, controversy, or claim arising out of or relating to these Terms or the Service, including questions about their scope, enforceability, or interpretation, shall be resolved exclusively by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, except as stated in Section 12.5 below.

Arbitration shall take place in [CITY, TEXAS] or, at your election, by telephone or video conference. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

12.3 Class Action Waiver

YOU AND Beacon Tax Relief LLC EACH AGREE THAT ANY CLAIM SHALL BE BROUGHT IN YOUR OR OUR INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. The arbitrator may not consolidate more than one person's claims, may not preside over any form of class or representative proceeding, and may not award class-wide relief.

Note on State Law Variations: Class action waivers may be unenforceable in certain states or in certain contexts under applicable consumer protection laws. This waiver will be enforced to the maximum extent permitted by applicable law. If a class action waiver is found unenforceable with respect to a particular claim, that claim may proceed in court, but all other claims remain subject to arbitration.

12.4 Arbitration Fees

For claims under $10,000, Beacon Tax Relief LLC will pay all AAA filing, administrative, and arbitrator fees. For claims over $10,000, fees are allocated per the AAA Consumer Arbitration Rules.

12.5 Exceptions

Either party may bring a claim in small claims court for disputes within that court's jurisdiction. Either party may seek emergency injunctive relief in a court of competent jurisdiction to prevent irreparable harm pending arbitration. This Section does not apply to claims for injunctive relief related to intellectual property violations.

12.6 Opt-Out Right

You may opt out of this arbitration agreement by sending written notice to [SUPPORT_EMAIL] within 30 days of your initial account creation. Your notice must include your name, account email, and a clear statement that you wish to opt out of arbitration. Opting out does not affect any other provision of these Terms.

13. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict-of-law principles. Subject to the arbitration agreement in Section 12, you consent to personal jurisdiction and venue in the state and federal courts located in [COUNTY, TEXAS].

14. Changes to These Terms

Beacon Tax Relief LLC may modify these Terms from time to time. We will provide notice of material changes by:

(a) Posting the updated Terms on our website with a new "Last Updated" date; and

(b) Sending an email to your registered email address at least 30 days before the changes take effect (for material changes).

Your continued use of the Service after the effective date of revised Terms constitutes your acceptance of the changes. If you do not agree to the revised Terms, you must stop using the Service and cancel your subscription before the effective date.

15. General Provisions

15.1 Entire Agreement

These Terms, together with the Privacy Policy, IRC §7216 Consent, Refund Policy, and any applicable subscription-tier agreements, constitute the entire agreement between you and Beacon Tax Relief LLC regarding the Service and supersede all prior agreements.

15.2 Severability

If any provision of these Terms is found unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will remain in full force.

15.3 Waiver

No waiver of any provision of these Terms shall be effective unless in writing. Failure to enforce any provision does not constitute a waiver of future enforcement.

15.4 Assignment

You may not assign these Terms or any of your rights or obligations without Beacon Tax Relief LLC 's prior written consent. Beacon Tax Relief LLC may assign these Terms in connection with a merger, acquisition, or sale of all or substantially all of its assets.

15.5 Force Majeure

Beacon Tax Relief LLC is not liable for delays or failures in performance resulting from causes beyond its reasonable control, including acts of God, natural disasters, government actions, or IRS system outages.

15.6 No Attorney-Client Relationship

Use of the Service does not create an attorney-client relationship between you and Beacon Tax Relief LLC or any of its staff.

16. Contact Information

**Beacon Tax Relief LLC **
[BUSINESS_ADDRESS]
[CITY, STATE, ZIP]

Email: [SUPPORT_EMAIL]
Website: [WEBSITE_URL]

For legal notices (including arbitration demands): [LEGAL_NOTICE_EMAIL]

For privacy inquiries and §7216 consent inquiries: [PRIVACY_EMAIL]

These Terms of Service were prepared based on the compliance framework analysis in compliance_framework.md. References: 31 CFR Part 10 — Circular 230 | 16 CFR Part 310 — TSR | IRC §7216 | FTC Safeguards Rule

DRAFT — REQUIRES ATTORNEY REVIEW BEFORE PUBLICATION