Terms and Conditions

Matrix Financial Consultants
Website: matrixfinancialconsultants.com
Effective Date: 02/01/2026

These Terms and Conditions (“Terms”) govern your access to and use of the website and services provided by Matrix Financial Consultants (“Matrix Financial,” “we,” “our,” or “us”).

By accessing this website, submitting information through forms, or engaging our services, you agree to be bound by these Terms and applicable laws. If you do not agree, you should not use this website or services.

1. Use of Website

You agree to use matrixfinancialconsultants.com only for lawful purposes. You may not:

  • Submit false or misleading information

  • Attempt unauthorized access to systems or data

  • Disrupt website functionality

  • Use the site for fraudulent or illegal activity

We reserve the right to restrict or terminate access for violations.

2. No Professional Relationship Created by Website Use

Accessing this website, sending emails, or submitting forms does not establish a CPA-client relationship.

A professional relationship is established only upon:

  • Signed engagement letter

  • Written confirmation of services

  • Acceptance by Matrix Financial Consultants

Until such confirmation, no professional advice is deemed provided.

3. Professional Services & Engagement

All tax preparation, accounting, bookkeeping, payroll, or advisory services are governed by separate written agreements or engagement letters.

Those agreements:

  • Define scope of services

  • Outline responsibilities of both parties

  • Establish fee structure

  • Set limitations and obligations

These Terms do not replace or override any signed service agreement.

4. Client Responsibilities

Clients agree to:

  • Provide accurate, complete, and timely information

  • Disclose all relevant financial and tax data

  • Review completed returns before filing

  • Maintain records as required by law

Matrix Financial Consultants is not responsible for errors resulting from incomplete or inaccurate information provided by clients.

5. IRS Compliance & Confidentiality

We adhere to:

  • Internal Revenue Code §7216

  • IRS Publication 4557

  • FTC Safeguards Rule

  • Applicable state and federal regulations

Tax return information will not be disclosed except:

  • With written authorization

  • As required by law

  • As necessary to file returns electronically

6. Electronic Communication & Portal Use

By using our secure client portal or communicating electronically, you acknowledge:

  • Electronic transmissions may involve inherent risks

  • You are responsible for safeguarding login credentials

  • You will notify us of unauthorized access

Submission of documents through the portal does not constitute filing until confirmed by us.

7. Fees & Payment

Fees for services will be outlined in engagement letters or service agreements.

Unless otherwise agreed:

  • Payment is due upon invoice

  • We reserve the right to suspend services for non-payment

  • Additional work beyond agreed scope may incur additional fees

8. Limitation of Liability

To the fullest extent permitted by law, Matrix Financial Consultants shall not be liable for:

  • Indirect or consequential damages

  • Loss of profits or business interruption

  • Penalties arising from inaccurate client-provided information

  • Delays caused by third-party agencies or government entities

Our liability, if any, shall be limited to the amount of fees paid for the specific service in question.

9. No Guarantee of Tax Outcomes

We do not guarantee:

  • Specific tax refunds

  • Avoidance of audit

  • Particular financial outcomes

Tax results depend on applicable law and the accuracy of information provided.

10. Intellectual Property

All website content, including text, logos, graphics, and design elements, is the property of Matrix Financial Consultants and may not be copied or distributed without written consent.

11. Third-Party Links & Software

Our website and services may involve third-party platforms (e.g., tax software providers, payment processors).

We are not responsible for:

  • Third-party security practices

  • Platform outages

  • Data breaches outside our control

Users access third-party tools at their own risk.

12. Compliance with Privacy Laws

Your use of our services is also governed by our Privacy Policy, including compliance with:

  • CCPA / CPRA

  • GDPR (where applicable)

  • Federal tax confidentiality laws

13. Indemnification

You agree to indemnify and hold harmless Matrix Financial Consultants from any claims, damages, penalties, or expenses arising from:

  • Misrepresentation of financial information

  • Failure to provide required documentation

  • Violation of applicable tax laws

14. Record Retention

We retain tax records in accordance with IRS and professional standards. Clients are responsible for maintaining their own copies of tax returns and supporting documentation.

15. Governing Law

These Terms shall be governed by the laws of the State of California, without regard to conflict-of-law principles.

16. Modifications

We reserve the right to update these Terms at any time. Continued use of the website constitutes acceptance of any modifications.

17. Contact Information

Matrix Financial Consultants
Website: matrixfinancialconsultants.com
Email: office@matrixfinancial.org