These Advisor Terms of Service ("Terms") govern your access to and use of the Unlevered Tax Strategist Portal (the "Platform"), operated by StayGuard LLC d/b/a Unlevered.io ("Unlevered," "we," "us," or "our"). By creating an account, clicking "I agree," or accessing the Platform in any way, you ("Advisor," "you," or "your") agree to be bound by these Terms in full.
If you are accessing the Platform on behalf of a firm or organization, you represent and warrant that you have authority to bind that entity to these Terms, and references to "you" include that entity.
1.1 No professional services provided. The Platform provides software tools to assist licensed tax professionals, CPAs, enrolled agents, financial advisors, and other credentialed practitioners in their own practice. The Platform does not provide tax advice, legal advice, financial advice, accounting services, or any other professional services. Unlevered is a software company, not a tax firm.
1.2 You are the professional of record. All tax strategies, savings estimates, reports, recommendations, or analysis generated by the Platform are outputs of a deterministic software engine based on information you or your clients provide. You are solely responsible for independently reviewing, verifying, and approving any output before sharing it with any client. Nothing generated by the Platform constitutes a final professional opinion, a tax return position, or a recommendation that may be relied upon without independent professional review.
1.3 Independent verification required.You acknowledge that the Platform's strategy outputs are reference tools and analytical starting points. You agree to independently verify the applicability, accuracy, and legality of any strategy, savings estimate, IRC citation, or recommendation before advising any client. Tax law changes frequently. The Platform may not reflect the most recent legislative updates, IRS guidance, Treasury regulations, or court decisions applicable to any specific client situation.
1.4 You remain the licensed professional. Your professional obligations, ethical duties, licensing requirements, and regulatory compliance obligations, including those imposed by the AICPA, IRS Circular 230, state CPA boards, FINRA, the SEC, or any other governing body, are not modified or waived by your use of this Platform. The Platform does not replace your professional judgment. It supplements it.
2.1 You own the data relationship. You are solely responsible for obtaining all necessary consents, authorizations, and permissions from your clients before entering, uploading, or processing any client information through the Platform. This includes consent to collect, store, and process personally identifiable information (PII), tax identification numbers, income data, financial documents, and any other sensitive information.
2.2 Compliance with applicable law. You represent and warrant that your collection, use, and transmission of client data through the Platform complies with all applicable federal and state laws, including but not limited to the Gramm-Leach-Bliley Act (GLBA), the Internal Revenue Code Section 7216 (governing disclosure of tax return information), applicable state data privacy laws, and any professional confidentiality obligations imposed by your licensing body.
2.3 Section 7216 and tax return information. You acknowledge that your use of client tax return information through the Platform must comply with IRC Section 7216 and Treasury Regulations Section 301.7216-2. You are solely responsible for ensuring that client consents required under Section 7216 are obtained prior to using any tax return information in connection with the Platform.
2.4 Accuracy of information provided.You represent and warrant that all client information you enter into the Platform is, to the best of your knowledge, accurate, complete, and up-to-date. You acknowledge that the Platform's outputs are only as accurate as the information you and your clients provide. Unlevered is not responsible for outputs generated from inaccurate, incomplete, or fabricated input data.
2.5 No responsibility for client actions. You are solely responsible for how your clients receive, interpret, and act upon any report, recommendation, or analysis generated through the Platform. Unlevered has no relationship with your clients and accepts no responsibility for any action any client takes based on Platform outputs.
3.1 Professional credentials. By creating an account, you represent and warrant that you hold (or that your firm holds) the professional license, credential, or registration appropriate for the tax strategy services you provide to clients. You agree to maintain your credentials in good standing throughout your use of the Platform.
3.2 You are not an agent of Unlevered. Nothing in these Terms creates an employment, agency, partnership, joint venture, or other business relationship between you and Unlevered. You operate as an independent professional. Any engagement with a client is solely between you and that client.
3.3 Prohibited uses. You agree not to use the Platform to:
3.4 Supervision of your team.If your firm has multiple users with access to the Platform, you (as the account administrator) are responsible for ensuring all team members comply with these Terms and applicable professional standards. You are responsible for all actions taken by users on your firm's account.
4.1 "As is" and "as available."The Platform is provided on an "as is" and "as available" basis without warranty of any kind, express or implied. To the fullest extent permitted by applicable law, Unlevered disclaims all warranties, including but not limited to: implied warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy.
4.2 No warranty of accuracy or completeness.Unlevered does not warrant that the tax strategies, IRC citations, savings estimates, or other outputs generated by the Platform are accurate, complete, current, or applicable to any specific taxpayer's situation. Tax law is complex and jurisdiction-specific. The Platform's engine applies general rules and may not account for all facts, circumstances, or exceptions relevant to a particular client.
4.3 No warranty of uninterrupted service. Unlevered does not warrant that the Platform will be uninterrupted, error-free, or free of harmful components. Scheduled and unscheduled maintenance may affect availability.
5.1 No indirect damages. To the maximum extent permitted by law, in no event shall Unlevered, its officers, directors, employees, agents, licensors, or service providers be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, including but not limited to: lost profits, lost revenue, lost data, loss of goodwill, business interruption, or cost of substitute services, even if Unlevered has been advised of the possibility of such damages.
5.2 Cap on liability.To the maximum extent permitted by law, Unlevered's total aggregate liability to you arising from or related to these Terms or the Platform shall not exceed the greater of: (a) the total fees paid by you to Unlevered in the twelve (12) months immediately preceding the event giving rise to the claim, or (b) one hundred dollars ($100.00).
5.3 Essential bargain. You acknowledge that the limitations of liability in this Section 5 are an essential element of the agreement between you and Unlevered, and that Unlevered would not provide the Platform at its current pricing absent these limitations.
You agree to defend, indemnify, and hold harmless Unlevered and its officers, directors, employees, agents, affiliates, licensors, and service providers from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, and fees (including reasonable attorneys' fees) arising out of or relating to:
7.1 For professional use only. Reports and strategy outputs generated by the Platform are intended for use by licensed tax professionals in their practice. They are not designed to be distributed to clients as standalone professional opinions without review, annotation, and professional sign-off by a licensed advisor.
7.2 Presentation to clients. Before sharing any Platform-generated report or strategy recommendation with a client, you are solely responsible for: (a) reviewing the output for accuracy and applicability; (b) making any necessary adjustments; (c) presenting the information in a manner consistent with your professional obligations; and (d) making clear to the client that the output reflects a planning analysis, not a final tax determination.
7.3 Savings estimates are projections.Savings estimates generated by the Platform are projections based on general tax rules applied to information provided by you or your client. They are not guarantees. Actual savings will depend on the client's specific facts, the accuracy of information provided, implementation of strategies, changes in law, and other factors outside Unlevered's control. You agree not to represent any savings estimate to a client as a guaranteed outcome.
8.1 Platform ownership. The Platform, including its engine, algorithms, strategy database, UI, and all related intellectual property, is owned by Unlevered and protected by applicable law. You receive a limited, non-exclusive, non-transferable, revocable license to use the Platform solely for your own professional practice during the term of your subscription.
8.2 Your content. You retain ownership of client data you enter into the Platform. By using the Platform, you grant Unlevered a limited license to process and store that data solely to provide the services described in these Terms. Unlevered does not sell, share, or monetize client data.
9.1 Security measures. Unlevered uses AES-256 encryption at rest, TLS 1.3 in transit, row-level security, and signed URL access with short expiration windows. Security measures are described in our Security documentation, which is incorporated by reference.
9.2 Data breach notification.In the event of a confirmed data breach affecting your firm's client data, Unlevered will notify you promptly in accordance with applicable law. You are responsible for any further notifications required under your own professional obligations, applicable state breach notification laws, or other applicable regulations.
9.3 No zero-risk guarantee.Despite Unlevered's security measures, no system is completely secure. Unlevered does not represent or warrant that client data will never be subject to unauthorized access. You acknowledge this risk and are responsible for maintaining your own security practices, including strong passwords and MFA enrollment.
10.1 Term. These Terms begin when you create an account and continue until your subscription is terminated or your account is suspended.
10.2 Termination by you. You may terminate your account at any time through the billing settings. Termination takes effect at the end of your current billing period. No refunds are issued for unused periods.
10.3 Suspension by Unlevered. Unlevered reserves the right to suspend or terminate your account immediately, without notice, if: (a) you violate these Terms; (b) your account is associated with fraudulent, abusive, or illegal activity; (c) your payment fails and is not resolved within the grace period; or (d) Unlevered is required to do so by law.
10.4 Effect of termination.Upon termination, your access to the Platform ceases. Client data is retained in accordance with Unlevered's data retention policy (7 years from last engagement) and available for export during a 30-day wind-down period after termination.
11.1 Governing law. These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles.
11.2 Dispute resolution. Any dispute arising from these Terms shall be resolved by binding arbitration under the rules of the American Arbitration Association (AAA), conducted in English, with a single arbitrator. Class action and jury trial rights are waived.
11.3 Entire agreement. These Terms, together with the Privacy Policy and any order forms or subscription agreements, constitute the entire agreement between you and Unlevered regarding the Platform.
11.4 Severability. If any provision of these Terms is found to be unenforceable, it shall be modified to the minimum extent necessary to make it enforceable. The remaining provisions continue in full effect.
11.5 No waiver. Failure to enforce any provision of these Terms does not constitute a waiver of the right to enforce it in the future.
11.6 Updates to Terms.Unlevered may update these Terms from time to time. Continued use of the Platform after notice of an update constitutes acceptance of the revised Terms. We will provide at least 30 days' notice of material changes via email or in-app notification.
Questions about these Terms or general support: support@unlevered.io
StayGuard LLC d/b/a Unlevered.io