Privacy Policy and Service Terms

1. Agreement to Limited Tax Preparation Engagement

By creating an account, using the Ten Day Tax website or client portal, submitting intake answers, uploading documents, requesting tax preparation services, reviewing a draft return, signing e-file authorization forms, or otherwise using Ten Day Tax, you agree to these Terms of Service, Privacy Policy, and Service Disclaimer.

Ten Day Tax provides individual income tax return preparation and CPA review services. Ten Day Tax is not a law firm and does not provide legal advice, investment advice, financial planning, immigration advice, bookkeeping, payroll services, business entity tax preparation, audit representation, or tax agency representation unless a separate written agreement is signed.

This is a limited engagement for tax return preparation based on the information, documents, and answers you provide. You remain responsible for the accuracy, completeness, and truthfulness of all information submitted to Ten Day Tax.

2. Scope of Services

Ten Day Tax prepares qualifying individual federal and state income tax returns through its online client portal.

Our standard online flow is designed for common individual tax situations, including W-2 income, 1099 income, stock sales, self-employment income reported as a sole proprietorship, one rental property, dependents, student loan interest, HSA forms, Marketplace insurance, and state returns.

Ten Day Tax does not currently handle certain situations through the standard online flow, including J-1, F-1, or other nonresident returns; overseas or expat tax filings; LLCs, S-corps, C-corps, partnerships, or other business entity returns; multi-owner business entity returns; multiple rental properties; trust or estate returns; prior-year returns; amended returns; and returns requiring specialized review outside our current scope.

If your intake answers or uploaded documents show that your return falls outside our standard online flow, Ten Day Tax may decline to continue preparing your return. If this happens, we will notify you and, where appropriate, suggest that you contact another qualified tax professional.

3. Client Responsibilities

You agree to provide complete, accurate, truthful, and timely information. This includes all income, deductions, credits, dependents, filing status information, state residency information, business or rental information, bank information, identity information, and any other facts needed to prepare your return.

You are responsible for uploading all tax documents you received or expect to use, including W-2s, 1099s, 1098s, 1095-A, brokerage statements, prior-year returns, identity documents, and any other relevant records.

You agree not to omit income, inflate deductions, misstate dependents, misstate filing status, conceal foreign accounts, conceal digital asset transactions, submit false documents, or provide false, incomplete, misleading, or unsupported information.

You understand that Ten Day Tax may rely on the information you provide unless it appears incomplete, inconsistent, suspicious, unsupported, or incorrect. If we identify missing, unclear, inconsistent, or suspicious information, we may request additional documents or answers before preparing or finalizing your draft.

4. Client Information, Professional Review, and Responsibility

Ten Day Tax uses professional judgment when reviewing client-provided information and uploaded documents. We may question, verify, request clarification, request additional support, decline to use information, pause preparation, or decline to continue service if information appears incomplete, inconsistent, inaccurate, unsupported, suspicious, or outside our service scope.

However, you remain responsible for the accuracy, completeness, and truthfulness of all information you provide.

Ten Day Tax is not responsible for additional tax, penalties, interest, audits, notices, rejected filings, delayed refunds, lost refunds, missed deductions, missed credits, agency adjustments, or other consequences caused by false, incomplete, inaccurate, misleading, late, or omitted information provided by you, whether intentional or unintentional.

You agree to review your draft return carefully before signing any e-file authorization. Your signature, approval, or electronic authorization confirms that, to the best of your knowledge, the return is complete and accurate.

4A. Client-Provided Identity Information

The Client is responsible for providing accurate legal-name and taxpayer-identity information, including the name currently reflected in the Client's Social Security Administration records. Ten Day Tax may rely on identity information supplied or expressly confirmed by the Client unless information available to Ten Day Tax reasonably indicates that the information may be incorrect, incomplete, or inconsistent.

Ten Day Tax is not responsible for filing delays, electronic-filing rejections, correction costs, penalties, or other consequences resulting from inaccurate or incomplete identity information supplied or confirmed by the Client, except to the extent caused by Ten Day Tax's own error or failure to perform its applicable professional obligations.

The Client agrees to promptly notify Ten Day Tax if identity information previously provided becomes inaccurate or if the Client learns that it was incorrect.

5. Intake Answers and Uploaded Documents

Your intake answers are part of the tax preparation record. Ten Day Tax prepares your return based on both your uploaded documents and your answers.

If your uploaded documents show that your intake answers were materially incomplete, inaccurate, inconsistent, or misleading, Ten Day Tax may pause preparation, request additional information, change the status of your return, or decline to continue through the standard online flow.

Document upload is required through the secure client portal. Do not send Social Security numbers, W-2s, 1099s, tax returns, bank account information, identity documents, or other sensitive tax documents through regular email or the public contact form.

6. Pricing and Payment

Ten Day Tax pricing is based on the federal and state return package selected: Federal Only $99; Federal + 1 State $139; Federal + 2 States $179.

Common individual tax situations supported within our standard online flow do not create form-by-form add-on fees.

If your answers or uploaded documents show that you selected the wrong federal/state package, we may ask you to change to the correct package before continuing. If your return falls outside our standard online flow, Ten Day Tax may decline to continue preparation.

Payment is due before full draft release, full draft review, e-file authorization, and e-filing. Ten Day Tax will not release, display, download, print, or deliver full draft tax forms, full schedules, full calculation details, workpapers, e-file authorization package, or final return copies until required payment is complete.

Ten Day Tax may show a limited draft-ready summary before payment, such as selected package, preparation fee, federal refund or balance due, state refund or balance due, and next steps. This limited summary is not a full draft return, not a substitute for full review, and may not include line-by-line forms, schedules, workpapers, or downloadable tax forms.

Ten Day Tax will not e-file your return until required payment, full draft review, signature, and authorization steps are complete.

Fees paid to Ten Day Tax are for tax preparation and review services. Government tax balances, penalties, interest, state fees, local fees, agency fees, payment processing fees, or amounts owed to tax authorities are not included in Ten Day Tax preparation fees.

7. 10-Business-Day Draft Promise

Ten Day Tax offers a 10-business-day draft promise for qualifying returns within our standard online flow.

The 10-business-day period begins only after all required documents and answers have been uploaded or provided. The period does not begin when you create an account, begin intake, upload only some documents, submit incomplete information, or leave follow-up questions unanswered.

Do not interpret this paragraph to mean payment is required before the 10-business-day period begins. Payment is not the trigger for the draft period. The trigger is receipt of all required documents and answers.

If your first draft is not ready for review more than 10 business days after all required documents and answers have been uploaded, you may receive 50% off your Ten Day Tax preparation fee.

For purposes of this promise, the first draft is considered ready for review when Ten Day Tax notifies you through the client portal that the draft is ready and available for paid full-draft review.

This draft promise applies only to the first draft of the return. It does not guarantee that your return will be e-filed within 10 business days. E-filing depends on your payment, full draft review, signature, e-file authorization, IRS/state availability, and agency acceptance windows.

The draft promise does not apply if delay is caused by incomplete documents, missing documents, unanswered follow-up questions, incorrect information, inconsistent information, unsupported filing situations, client delay, portal access issues caused by the client, signature delay, IRS or state system outages, disasters, events outside our reasonable control, or situations requiring additional review outside our standard online flow.

8. Draft Review, Payment, and Client Approval

Ten Day Tax may prepare a draft return after all required documents and answers have been received.

Before payment, the client portal may show a limited draft-ready summary. The full draft return, forms, schedules, workpapers, line-by-line calculations, and downloadable or printable tax forms remain locked until payment is complete.

After payment is complete, Ten Day Tax will make the full draft available for review through the client portal.

You are responsible for reviewing the full draft carefully. You must notify Ten Day Tax of any errors, missing information, incorrect bank information, incorrect filing status, incorrect dependent information, missing income, missing deductions, missing credits, or other concerns before signing e-file authorization forms.

Your signature or electronic approval confirms that you reviewed the return and believe the information is complete and accurate to the best of your knowledge.

Ten Day Tax will not e-file your return until you complete all required payment, review, signature, and authorization steps.

9. E-File Authorization

Before e-filing, you may be required to sign IRS Form 8879, state e-file authorization forms, or other required authorization documents.

Ten Day Tax may not submit your return electronically until the required authorizations are completed.

E-file authorization must occur after you have had the opportunity to review the full draft return.

IRS and state tax agencies may accept, reject, delay, adjust, or request additional information regarding your return. Ten Day Tax does not control IRS or state processing times, refund release dates, acceptance decisions, rejection codes, system outages, or agency review procedures.

10. Drafts, Work Product, and Use of Ten Day Tax Materials

Draft returns, tax calculations, review notes, workpapers, document request summaries, and other materials prepared by Ten Day Tax are Ten Day Tax work product until released through the client portal after payment.

Before payment, you may not copy, reproduce, use, file, submit, recreate, or attempt to recreate a Ten Day Tax draft, calculation, workpaper, or other prepared material.

After payment, you may review the full draft for the purpose of approving, correcting, signing, and filing the return through Ten Day Tax.

Payment is for tax preparation and review services. If you choose not to sign, authorize, or e-file a return after Ten Day Tax has made the full draft available for review, the preparation fee remains earned and is not refundable except as required by law or expressly agreed by Ten Day Tax.

Nothing in this section prevents you from accessing copies of documents that you personally uploaded, subject to security, retention, and portal access rules.

11. No Guarantee of Refund, Tax Savings, or Outcome

Ten Day Tax does not guarantee any specific refund amount, tax balance, credit, deduction, filing status, audit result, acceptance result, processing time, refund release date, or tax outcome.

Any refund estimate or balance due shown before filing depends on the information and documents available at that time and may change if new information is provided, if the return is adjusted, or if IRS/state agencies make changes.

You remain responsible for any taxes, penalties, interest, fees, or other amounts owed to federal, state, or local tax authorities.

12. Accuracy, Errors, and Corrections

Ten Day Tax will use reasonable professional care in preparing your return based on the information and documents you provide.

If an error is caused by inaccurate, incomplete, misleading, unsupported, omitted, or late information provided by you, you are responsible for the resulting tax, penalty, interest, audit, notice, rejection, refund delay, or filing consequence.

If Ten Day Tax identifies a possible error before filing, we may pause e-filing until the issue is reviewed.

If an error is discovered after filing, Ten Day Tax may help review the issue. Amended returns, notice responses, audit support, or agency correspondence may require a separate engagement and fee unless Ten Day Tax agrees otherwise in writing.

13. Bank Account Information, Refunds, and Tax Payments

If you choose direct deposit for a refund or direct debit/electronic withdrawal for tax payment, you are responsible for providing complete and accurate bank account information. This includes routing number, account number, account type, bank name, and account ownership information.

Ten Day Tax may display or request confirmation of bank information before filing, but we are not responsible for losses, delayed refunds, misdirected refunds, failed payments, returned payments, penalties, interest, bank fees, overdraft fees, collection consequences, or other consequences caused by incorrect, incomplete, closed, frozen, invalid, unauthorized, or mismatched bank account information provided by you.

If a refund is deposited into an incorrect account because of bank information you provided, recovery may depend on the IRS, state agency, financial institution, and recipient account holder. Ten Day Tax does not guarantee recovery of misdirected refunds.

If a direct debit or electronic payment cannot be processed because of incorrect account information, insufficient funds, closed account, frozen account, bank rejection, account mismatch, or other financial institution issue, you remain responsible for making alternate payment arrangements and for any penalties, interest, fees, collection consequences, or agency notices.

You agree to verify all refund and payment bank information before signing and authorizing e-file.

14. Tax Authority Notices, Audits, and Representation

Standard Ten Day Tax preparation service does not include audit representation, IRS or state notice response, collection representation, appeals, tax court support, amended returns, penalty abatement requests, installment agreements, offer in compromise, power of attorney representation, or ongoing communication with tax authorities after filing.

If you receive a notice from the IRS or a state agency, you may contact Ten Day Tax for review. Any assistance beyond ordinary post-filing clarification may require a separate written agreement and additional fee.

Ten Day Tax does not act as your legal representative, authorized representative, or power of attorney unless a separate authorization and engagement are completed.

15. No Unlawful or Unsupported Tax Positions

Ten Day Tax will not knowingly prepare or file a return containing false, fraudulent, frivolous, misleading, or unsupported positions.

If you request a position that Ten Day Tax determines is not supported by the information provided or by applicable law, we may ask for additional support, decline to include the position, or discontinue the engagement.

Ten Day Tax may decline to continue service if continuing would create a legal, ethical, professional, security, or operational concern.

16. Privacy Policy and Use of Tax Information

Ten Day Tax collects information needed to prepare, review, and file your tax return. This may include identity information, contact information, Social Security numbers or ITINs, IP PINs, income documents, deduction and credit records, dependent information, spouse information, state residency information, business information, rental information, bank information for refund or payment processing, portal activity, communication records, payment records, and e-file authorization records.

Ten Day Tax uses your information to prepare and file your return, communicate with you, request missing items, process payment, maintain required records, operate the client portal, improve internal workflow, protect against fraud or misuse, comply with legal and professional obligations, and respond to lawful requests.

Ten Day Tax does not sell your tax return information.

Tax return information may be disclosed only as needed to prepare, review, and file your return, operate secure technology systems, process payment, communicate with you, comply with law, respond to lawful requests, maintain records, or as otherwise permitted or required by applicable tax privacy rules.

Certain uses or disclosures of tax return information may require your separate consent under applicable law, including Internal Revenue Code Section 7216 and related regulations. If separate consent is required, Ten Day Tax will request it separately.

17. Third-Party Service Providers

Ten Day Tax may use third-party service providers for secure hosting, client portal functions, document storage, payment processing, e-signature, email delivery, authentication, customer support, analytics, tax workflow support, and other operational needs.

These providers are used only as needed to operate the service, protect client information, process transactions, or fulfill legal and professional obligations.

Ten Day Tax does not authorize third-party service providers to sell your tax return information.

18. Data Security

Ten Day Tax uses reasonable administrative, technical, and physical safeguards to protect client information.

Sensitive documents should be uploaded only through the secure client portal. Do not send sensitive tax documents through regular email or the public contact form.

No method of electronic transmission or storage is completely risk-free. You are responsible for protecting your account credentials, using secure devices, avoiding shared or public devices when accessing sensitive information, and promptly notifying Ten Day Tax if you believe your account has been accessed without authorization.

Ten Day Tax may suspend account access if we detect suspicious activity, unauthorized use, security risk, or violation of these terms.

19. Record Retention

Ten Day Tax may retain copies of tax returns, source documents, communications, e-file authorizations, workpapers, portal activity, payment records, and related records according to applicable law, professional standards, and firm policy.

You may request a copy of your records through the client portal or support channel.

Deletion requests may be limited by tax, legal, professional, security, backup, dispute, fraud-prevention, or record retention obligations.

20. Electronic Communications and Portal Use

You agree that Ten Day Tax may communicate with you electronically through the client portal, email notifications, text messages if enabled, electronic signatures, and other electronic means.

Ten Day Tax may send reminders, status updates, missing-item requests, payment notices, draft availability notices, signature requests, and other service-related communications electronically.

Important tax documents should not be sent by regular email. Ten Day Tax may send reminders or status notifications by email, but sensitive documents should be exchanged through the secure portal.

You are responsible for maintaining access to your email account, phone number, and client portal login.

21. Account Security

You are responsible for keeping your login credentials confidential.

You agree not to share your account access with unauthorized persons.

If you believe your account has been compromised, you must notify Ten Day Tax promptly.

Ten Day Tax may require additional verification, restrict access, or suspend your account if we detect suspicious activity, unauthorized use, security risk, or violation of these terms.

22. Refusal, Suspension, or Termination of Service

Ten Day Tax may refuse, pause, suspend, or terminate service if: you provide incomplete, inaccurate, inconsistent, unsupported, suspicious, or misleading information; you fail to provide requested documents or answers; your uploaded documents contradict your intake answers; your return falls outside our standard online flow; you request a tax position we believe is unsupported by law; you ask Ten Day Tax to omit income, inflate deductions, misstate facts, or conceal information; you fail to complete payment, review, signature, or authorization steps; you misuse the portal or violate these terms; you initiate abusive, threatening, fraudulent, or improper conduct; or continuing the engagement would create a legal, ethical, professional, security, or operational concern.

If service is declined after review, Ten Day Tax will notify you. Refund eligibility, if any, depends on the stage of work completed and the reason service was discontinued.

23. Refunds and Cancellations

If you cancel before Ten Day Tax begins preparing your return, you may request a refund of preparation fees paid, excluding any nonrefundable processing or third-party fees.

If the full draft has been released for review after payment, the preparation fee is earned for the professional time, review, and work performed. If you decide not to sign, authorize, or e-file the prepared return after full draft release, the fee is not refundable except as required by law or expressly agreed by Ten Day Tax.

No refund is available after e-filing unless required by law or expressly agreed by Ten Day Tax.

The 10-business-day draft promise, if applicable, is handled separately from cancellation refunds.

24. Chargebacks and Payment Disputes

If you dispute a payment, reverse a payment, or initiate a chargeback after services have begun or after a full draft has been released, Ten Day Tax may pause document delivery, e-filing, portal access, or post-filing support until the dispute is resolved.

A payment dispute does not relieve you of responsibility for tax filing deadlines, taxes owed, penalties, interest, agency notices, or agency requirements.

25. Deadlines and Client Delay

Ten Day Tax may provide reminders, but you remain responsible for knowing and meeting tax filing and payment deadlines.

Ten Day Tax is not responsible for penalties, interest, missed deadlines, delayed filings, delayed refunds, or rejected filings caused by late client action, incomplete documents, unanswered questions, delayed payment, delayed signature, incorrect information, portal access issues caused by the client, or agency processing delays.

26. Force Majeure and Events Outside Our Control

Ten Day Tax is not responsible for delays or failures caused by events outside our reasonable control.

This may include natural disasters, power outages, internet outages, cyberattacks, third-party service provider outages, IRS or state agency system outages, government shutdowns, banking system issues, public emergencies, illness, war, terrorism, labor disruptions, or other events beyond our reasonable control.

27. Changes to Terms

Ten Day Tax may update these terms from time to time.

Updated terms may be posted in the client portal or on the website. Continued use of the service after updates means you accept the updated terms.

Material changes may require renewed acknowledgement before continuing.

28. Governing Law

These terms are governed by the laws of the State of Illinois, without regard to conflict-of-law rules, unless applicable tax law or consumer protection law requires otherwise.

29. Contact

Questions about these terms, privacy, or service scope can be sent through the Ten Day Tax client portal or to the support contact listed on the website.