These Terms and Conditions (“Terms”) govern your use of the website and services provided by Top Tier Financial ("Company", "we", "our", or "us"). By accessing or using our website, services, and resources, you agree to comply with these Terms. If you do not agree with these Terms, you must immediately cease using our website and services.
 
Please read these Terms carefully before using our services:
 
1. Acceptance of Terms
By accessing or using the website (https://www.toptierfin.com), including all pages, content, and services provided therein, you agree to comply with and be bound by these Terms and Conditions. If you disagree with any part of the Terms, you should not use our website or services.
We reserve the right to modify, change, or update these Terms at any time without prior notice. Any changes to these Terms will be posted on this page and will become effective immediately upon posting. It is your responsibility to review these Terms periodically for any updates or modifications.
 
2. Consent for SMS Communication
By providing your consent to receive SMS communications, you agree to receive text messages from Top Tier Financial at the phone number you provide. These messages may be sent for the purposes outlined below.
Data Privacy
Information obtained during the SMS consent process will not be shared with third parties for marketing purposes and will only be used as necessary to deliver the requested service unless required by law.

3. Types of SMS Communications
If you have consented to receive text messages, you may receive SMS communications related to the following:

• Customers and Guests: Updates regarding your orders, service confirmations, or other relevant information.

• Job Applicants: Information about your application status, onboarding materials, or other employment-related updates.

4. Standard Messaging Disclosures

• Message and Data Rates: Message and data rates may apply. Standard rates will be charged by your mobile service provider.

• Opt-Out Process: You can opt-out of receiving SMS messages at any time by texting “STOP” to the number from which you received the message.

• Help and Support: For assistance, text "HELP" or visit our Privacy Policy and Terms of Service.

 
5. Privacy
Your privacy is important to us. By using our services, you consent to the collection, use, and disclosure of your personal information in accordance with our Privacy Policy.
Data Use and Security

• We will only use your information for communications as outlined above.

• Personal data will not be shared with third parties unless required by law or necessary to deliver services.

We use commercially reasonable efforts to protect your data, including encryption and secure servers. However, no electronic storage or transmission is 100% secure, and we cannot guarantee the absolute security of your information.

6. Modifications
We reserve the right to update or modify these Terms and Conditions at any time. Any changes will be posted on this page with an updated revision date. By continuing to use our website and services, including SMS communications, you agree to be bound by the updated Terms.

7. Services Provided
Top Tier Financial provides the following services:

• Tax Preparation: Professional tax preparation services for individuals and businesses, ensuring that your tax returns are accurate, compliant, and optimized for the maximum allowable return or minimized liability.

• Tax Resolution: Assistance with resolving tax-related issues, including IRS audits, back taxes, payment plans, liens, and levies, as well as general tax compliance and negotiation services.

• Business Formation: Guidance on forming business entities (LLC, Corporation, etc.), providing expert advice on the best structure for your needs and handling all legal formalities for business registration and compliance.

• Life Insurance: Tailored life insurance policies designed to meet the unique needs of your family, providing financial protection for your loved ones in the event of your passing.

• Bookkeeping: Complete bookkeeping services, including financial record-keeping, reporting, and business financial management, to help streamline your business operations and ensure compliance with tax laws.

• Tax Masterclass & Courses: Online education programs and tax masterclasses designed to empower individuals with the knowledge needed to manage their own taxes, bookkeeping, and business finances effectively.

8. Eligibility
You must be at least 18 years old to use our services and access our website. By using our services, you represent and warrant that you are at least 18 years of age and possess the legal authority to enter into these Terms.
 
9. Account Registration and Access
Certain services provided by Top Tier Financial require you to create an account. When registering for an account, you agree to provide accurate, current, and complete information. You must maintain the confidentiality of your account credentials and are fully responsible for all activities that occur under your account.

You must notify us immediately if you suspect any unauthorized access or use of your account. We are not responsible for any losses or damages arising from your failure to maintain the confidentiality of your account information.

10. Fees and Payment

• Fees: The fees for our services vary depending on the complexity and scope of the work required. We will provide you with a fee estimate prior to starting the service. All fees are subject to change, and we will notify you in advance of any changes.

• Payment: We accept various payment methods, including credit and debit cards, bank transfers, and other online payment systems. You agree to pay the full amount for the services provided as specified in the fee agreement.

• Refund Policy: Refunds are issued at the discretion of Top Tier Financial, subject to the nature of the services rendered and any applicable laws or regulations. If you believe you are entitled to a refund, you must contact us directly at info@toptierfin.com to request a refund.

• Late Payments: If you fail to pay for services on time, we reserve the right to suspend or terminate your access to our services until full payment is received.

11. Intellectual Property
All content on our website, including but not limited to text, graphics, logos, images, audio, and video clips, is the property of Top Tier Financial or its licensors and is protected by intellectual property laws. You may not use, reproduce, distribute, or modify any content without our prior written consent.

12. User Content and Conduct

• User Submissions: If you submit any content to our website (including reviews, feedback, comments, or other communications), you grant Top Tier Financial a non-exclusive, royalty-free, perpetual, and worldwide license to use, display, and distribute such content.

• Prohibited Conduct: You agree not to use our services for any unlawful, harmful, or fraudulent purposes, including but not limited to:

  • Disrupting or interfering with the operation of our website or services.

  • Violating any intellectual property rights.

  • Engaging in fraudulent activities or providing false information.

  • Harassing or harming others.

 
13. Limitation of Liability
To the fullest extent permitted by law, Top Tier Financial and its affiliates shall not be held liable for any indirect, incidental, special, punitive, or consequential damages arising from your use of the website or services, including but not limited to loss of profits, revenue, data, or other intangible losses.
Our total liability, in any case, shall not exceed the total amount you paid for the services rendered.

14. Third-Party Websites and Services
Our website may contain links to third-party websites that are not owned or controlled by Top Tier Financial. We are not responsible for the content or privacy practices of these third-party websites. We encourage you to review the terms and privacy policies of any third-party websites you visit.

15. Termination of Services
We reserve the right to suspend or terminate your access to our website or services if we determine, in our sole discretion, that you have violated these Terms. Upon termination, all rights and licenses granted to you will immediately cease, and you must stop using the website and services.

16. Dispute Resolution
Any dispute, controversy, or claim arising out of or relating to these Terms or your use of the services shall be resolved through binding arbitration, in accordance with the rules of the American Arbitration Association. The arbitration shall take place in Dallas County, Texas.
 
17. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Texas, United States, without regard to its conflict of law principles. Any disputes relating to these Terms shall be subject to the exclusive jurisdiction of the courts located in Dallas County, Texas.

18. Indemnification
You agree to indemnify, defend, and hold harmless Top Tier Financial, its employees, agents, affiliates, and licensors from any claims, damages, losses, liabilities, and expenses (including attorney’s fees) arising from your use of the website or services, violation of these Terms, or infringement of any intellectual property or other rights.
 
19. Force Majeure
We shall not be held liable for any delay or failure to perform under these Terms if such delay or failure is due to circumstances beyond our control, including but not limited to acts of God, natural disasters, war, strikes, or other unforeseen events.
 
20. Severability
If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect.

21. Entire Agreement
These Terms and any other agreements or policies referenced herein constitute the entire agreement between you and Top Tier Financial regarding the use of our website and services. Any previous agreements or understandings between the parties are superseded by these Terms.

22. Contact Us
If you have any questions or concerns regarding these Terms and Conditions, please contact us:

• Email: info@toptierfin.com

• Phone: 866-890-2152

• Mailing Address: 3626 North Hall St 610, Dallas, TX 75219
   

By using Top Tier Financial’s services or website, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.