Privacy Policy

1. Introduction

1.1. A2Z Tax & Financials, Inc. ("we," "us," or "our") is committed to protecting the privacy and security of your personal information in compliance with applicable federal and California state law, including the California Consumer Privacy Act of 2018 as amended by the California Privacy Rights Act of 2020 (collectively, "CCPA/CPRA"), the Gramm-Leach-Bliley Act ("GLBA"), IRS Publication 4600 (Safeguarding Taxpayer Data), and the California Financial Information Privacy Act (Cal. Fin. Code §§ 4050–4060).

1.2. This Privacy Policy describes how we collect, use, disclose, retain, and protect your personal information when you engage our tax preparation, bookkeeping, mortgage, business consulting, and real estate services, or visit our website.

1.3. By using our services or website, you acknowledge that you have read and understood this Privacy Policy.

2. Categories of Personal Information We Collect

2.1. Consistent with the CCPA/CPRA, we may collect the following categories of personal information:

• •Identifiers: Name, postal address, email address, phone number, IP address, account username.
• •Government Identifiers: Social Security Number (SSN), Individual Taxpayer Identification Number (ITIN), Employer Identification Number (EIN), driver's license or state ID number.
• •Financial Information: Bank account numbers, tax returns, W-2s, 1099s, pay stubs, financial statements, mortgage documents, credit reports, and investment records.
• •Commercial Information: Records of services purchased or considered.
• •Internet or Network Activity: Browser type, pages visited on our website, and interaction data.
• •Professional or Employment Information: Employer name, occupation, and business ownership details necessary for tax or consulting services.
• •Sensitive Personal Information (as defined by CPRA): SSN, ITIN, financial account numbers, and government-issued ID numbers. We collect this information solely to provide the professional services you have requested.

3. How We Collect Personal Information

3.1. We collect personal information:

• •Directly from you when you complete intake forms, provide documents, or communicate with us.
• •From third parties such as the IRS, state tax agencies, financial institutions, credit bureaus, and employers (e.g., via IRS Form 4506-C or mortgage verification services).
• •Automatically through our website via cookies and similar technologies, consistent with our Cookie Policy.

4. Purposes for Which We Use Your Information

4.1. We use your personal information for the following business purposes:

• •To prepare, review, and file federal and state tax returns (IRC §§ 6011, 6012; Cal. Rev. & Tax. Code § 18501).
• •To provide bookkeeping, payroll, and accounting services.
• •To process mortgage loan applications and comply with RESPA, TILA, and HMDA requirements.
• •To provide business consulting and financial advisory services.
• •To communicate with you about your account, deadlines, and regulatory changes.
• •To comply with IRS regulations, California Franchise Tax Board (FTB) requirements, CFPB rules, and other applicable laws.
• •To detect, prevent, and investigate fraud, unauthorized access, or other illegal activity.
• •To improve our services and website functionality.

5. Disclosure of Your Information

5.1. We do not sell or share your personal information for cross-context behavioral advertising as defined by the CPRA.

5.2. We may disclose your personal information only in the following circumstances:

• •To the IRS, California FTB, EDD, BOE, or other federal or state tax authorities as required to fulfill your service requests or as mandated by law.
• •To financial institutions, mortgage lenders, title companies, and credit bureaus in connection with mortgage or real estate transactions, with your authorization.
• •To service providers (e.g., tax software platforms, secure document portals, cloud storage) who are contractually bound to protect your information and use it only for the services they provide to us.
• •To comply with a valid legal process, court order, subpoena, or government investigation.
• •To protect the rights, property, or safety of A2Z Tax & Financials, Inc., our clients, or the public.
• •With your explicit written consent for any other purpose.

6. Your California Privacy Rights (CCPA/CPRA)

6.1. As a California resident, you have the following rights under the CCPA/CPRA, subject to certain exceptions:

• •Right to Know: You may request disclosure of the categories and specific pieces of personal information we have collected about you, the sources, the business purposes, and the categories of third parties with whom we share it.
• •Right to Delete: You may request deletion of your personal information, subject to exceptions required by law (e.g., tax record retention obligations under IRC § 6501 and Cal. Rev. & Tax. Code § 19057).
• •Right to Correct: You may request correction of inaccurate personal information we maintain about you.
• •Right to Limit Use of Sensitive Personal Information: You may direct us to limit the use of sensitive personal information to purposes necessary to perform the services you requested.
• •Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA/CPRA rights.
• •Right to Opt-Out of Sale/Sharing: We do not sell or share personal information. No opt-out is required, but you may contact us to confirm.

6.2. Submitting a Request

To exercise any of these rights, please submit a verifiable consumer request to us at [email protected] or by calling 949-679-6073. We will respond within 45 days as required by the CPRA.

7. Data Security

7.1. We implement and maintain a Written Information Security Program (WISP) as required by IRS Publication 4557 and the FTC Safeguards Rule (16 C.F.R. Part 314, as amended effective June 9, 2023). Our security measures include:

• •Encryption of sensitive data in transit (TLS 1.2 or higher) and at rest.
• •Multi-factor authentication for access to tax software and client portals.
• •Role-based access controls limiting data access to authorized personnel only.
• •Annual security risk assessments and employee training.
• •Secure document disposal procedures compliant with IRS and California law.

8. Data Retention

8.1. We retain client tax records and related financial documents for a minimum of seven (7) years in accordance with IRS audit statute of limitations guidelines (IRC § 6501) and California FTB requirements (Cal. Rev. & Tax. Code § 19057). Mortgage records are retained as required by applicable federal and state lending regulations.

8.2. Upon expiration of the applicable retention period, records are securely destroyed in compliance with IRS Publication 4600 and California Civil Code § 1798.81.

9. Children's Privacy

9.1. Our services are not directed to individuals under the age of 16. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected such information, please contact us immediately.

10. Changes to This Privacy Policy

10.1. We may update this Privacy Policy periodically to reflect changes in law, regulation, or our practices. Material changes will be posted on our website with a revised effective date. We encourage you to review this Policy annually or whenever you engage our services.

11. Contact Information

11.1. For questions, concerns, or to exercise your privacy rights, please contact our Privacy Officer: A2Z Tax & Financials, Inc. · 15540 Rockfield Blvd., Ste D, Irvine, CA 92618 · Phone: 949-679-6073 · Email: [email protected]

1. Introduction

1.1. This Refund Policy governs all professional services provided by A2Z Tax & Financials, Inc., including tax preparation, bookkeeping, mortgage consulting, business consulting, and related financial services. This policy is consistent with California Business & Professions Code §§ 17000 et seq. and applicable professional standards.

2. General No-Refund Policy

2.1. All fees for professional services rendered by A2Z Tax & Financials, Inc. are non-refundable once the service has been performed or the work product has been delivered.

2.2. Tax return preparation fees are earned upon completion of the return, regardless of whether the client elects to file the return with the IRS or applicable state tax authority. The client remains responsible for the full preparation fee in all cases.

2.3. Retainer fees and engagement fees paid in advance are applied toward services rendered and are non-refundable except as provided in Section 3 below.

3. Exceptions

3.1. A refund or credit may be considered solely in the following circumstances:

• •Duplicate Payment: A verifiable duplicate charge was made for the same service. We will refund the duplicate amount within 10 business days of confirmation.
• •Service Not Rendered: A fee was collected for a specific service that was never initiated or performed, and the client provides written notice within 30 days of payment.
• •Mutual Agreement: Both parties agree in writing to a full or partial refund prior to commencement of services.

4. Tax Preparation Fee Disclosure (IRS Circular 230 & California)

4.1. Consistent with IRS Circular 230 and California Business & Professions Code § 22253, our fees are not contingent on the outcome of a tax return (i.e., the size of a refund or the amount of tax owed). Fee-contingent arrangements for tax preparation are prohibited under applicable professional standards.

4.2. Clients will receive a written fee estimate or engagement letter prior to commencement of services. Final fees may vary based on the complexity of the work actually performed.

5. Dispute Resolution

5.1. If you believe you have been charged in error, please contact us in writing within 30 days of the charge at [email protected] or 949-679-6073. We will review your concern and respond within 10 business days.

5.2. Unresolved disputes shall be governed by the laws of the State of California, with venue in Orange County, California.

6. Changes to This Policy

6.1. A2Z Tax & Financials, Inc. reserves the right to modify this Refund Policy at any time. Changes will be posted on our website and will apply to services engaged after the revised effective date.

1. Introduction

1.1. These Terms and Conditions ("Terms") govern the professional relationship between A2Z Tax & Financials, Inc. ("Firm," "we," "us," or "our") and our clients ("you" or "Client") for all tax, bookkeeping, mortgage, business consulting, and real estate services. These Terms are subject to applicable federal law, California law, IRS Circular 230, and the standards of the National Association of Enrolled Agents (NAEA).

2. Services Offered

2.1. A2Z Tax & Financials, Inc. provides the following professional services: federal and state tax preparation and planning; bookkeeping and QuickBooks consulting; payroll services; IRS and FTB representation; mortgage loan origination (NMLS #1393235); business consulting and financial advisory; and real estate services (CA RE Broker #01987437).

2.2. Services are performed by or under the supervision of Ashkan Zahabi, Enrolled Agent (EA #00106502), licensed pursuant to 31 C.F.R. Part 10 (Circular 230) and authorized to represent taxpayers before the IRS.

3. Client Responsibilities

3.1. Clients are responsible for providing complete, accurate, and timely information and documentation necessary for the provision of services. Providing false or misleading information may constitute tax fraud under IRC § 7206 and California Revenue & Taxation Code § 19705.

3.2. Clients must meet all applicable filing deadlines. A2Z Tax & Financials, Inc. is not responsible for penalties or interest resulting from a client's failure to provide required documents on time.

3.3. By signing IRS Form 8879 (e-file Authorization) or any equivalent state authorization, the client certifies that the return is accurate and complete to the best of their knowledge, and that the return was prepared based solely on information provided by the client.

3.4. Clients are responsible for retaining copies of all filed returns and supporting documents for a minimum of seven (7) years.

4. Fees and Payment

4.1. Fees are set forth in the engagement letter or fee schedule provided to the client prior to commencement of services. All fees are in U.S. dollars.

4.2. Tax return preparation fees are due and payable upon completion of the return and prior to electronic filing or delivery of the return to the client. The client is obligated to pay the preparation fee regardless of whether the return is filed.

4.3. Fees are not contingent on the outcome of any tax return, refund amount, or audit result, consistent with IRS Circular 230 § 10.27 and California Business & Professions Code § 22253.

4.4. Invoices not paid within 30 days of the due date may be subject to a late fee of 1.5% per month (18% per annum) on the outstanding balance, consistent with California Civil Code § 3289.

4.5. Accepted payment methods include bank transfer, check, Zelle, and Venmo. Credit card payments may be processed through our online payment portal.

5. Confidentiality and IRS Disclosure Rules

5.1. All client information is held in strict confidence consistent with IRC § 7216, IRS Regulation § 301.7216-2, and California Business & Professions Code § 5037. We will not disclose client tax return information to any third party without the client's prior written consent, except as required by law.

5.2. Disclosure of tax return information to third parties (e.g., lenders, financial institutions) requires the client's written consent on IRS Form 7216 or an equivalent authorization.

6. Data Security

6.1. We maintain a Written Information Security Program (WISP) as required by the FTC Safeguards Rule (16 C.F.R. Part 314) and IRS Publication 4557. All client data is protected using industry-standard encryption, access controls, and secure document management systems.

6.2. In the event of a data breach involving your personal information, we will notify you as required by California Civil Code §§ 1798.29 and 1798.82 (California Data Breach Notification Law) within the timeframes prescribed by law.

7. IRS and FTB Representation

7.1. Enrolled Agent representation before the IRS or California FTB is governed by a separate engagement letter and is subject to IRS Circular 230. Representation fees are separate from tax preparation fees unless otherwise specified in writing.

7.2. A2Z Tax & Financials, Inc. does not guarantee any specific outcome in IRS or FTB proceedings. Results depend on the facts, applicable law, and the discretion of the relevant tax authority.

8. Mortgage Services Disclosure

8.1. Mortgage loan origination services are provided under NMLS #1393235 and are subject to the Real Estate Settlement Procedures Act (RESPA), the Truth in Lending Act (TILA), the Equal Credit Opportunity Act (ECOA), and applicable California Department of Financial Protection and Innovation (DFPI) regulations.

8.2. Loan approval is subject to lender underwriting criteria and is not guaranteed. A2Z Tax & Financials, Inc. acts as a mortgage broker and does not make lending decisions.

9. Limitation of Liability

9.1. A2Z Tax & Financials, Inc. shall not be liable for any penalties, interest, or additional taxes assessed by the IRS, FTB, or any other tax authority arising from inaccurate, incomplete, or untimely information provided by the client.

9.2. Our total liability to any client for any claim arising out of or related to our services shall not exceed the total fees paid by the client for the specific service giving rise to the claim in the twelve (12) months preceding the claim.

9.3. We are not liable for indirect, incidental, consequential, or punitive damages of any kind.

10. Termination of Services

10.1. Either party may terminate the engagement with written notice. Upon termination, the client is responsible for fees for all services rendered through the termination date.

10.2. We reserve the right to withdraw from an engagement if the client provides false information, fails to cooperate, or requests that we act in violation of IRS Circular 230, California law, or applicable professional standards.

11. Governing Law and Dispute Resolution

11.1. These Terms are governed by the laws of the State of California, without regard to conflict of law principles. Any dispute arising under these Terms shall be resolved in the courts of Orange County, California.

11.2. Prior to initiating any legal action, the parties agree to attempt resolution through good-faith negotiation for a period of 30 days.

12. Amendment and Entire Agreement

12.1. These Terms, together with any signed engagement letter or proposal, constitute the entire agreement between the parties and supersede all prior understandings. Amendments must be in writing and signed by both parties.

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