TERMS OF USE
Effective Date: [01/01/2025] | Last Updated: [05/01/2026]
These Terms of Use (the “Terms”) govern your access to and use of the websites, client portals, social media properties, online forms, advertising, downloadable resources, blog posts, videos, podcasts, free consultations, and other public-facing services (collectively, the “Site and Services”) of SETE Tax, LLC d/b/a SETE Tax Strategists (the “Firm,” “we,” “us,” or “our”). They do not govern the terms of any individual engagement for paid tax services, which are addressed in a separate Engagement Agreement (defined below).
By accessing, using, or interacting with the Site and Services, including by visiting our website, submitting an online form, booking a free consultation, sending us a message, clicking an “I agree” check box, or providing your contact information, you agree to be bound by these Terms. If you do not agree, do not use the Site and Services.
1. Relationship to the Engagement Agreement
These Terms complement, and do not replace, any Engagement Agreement (each, an “Engagement Agreement”) you sign with the Firm. The Engagement Agreement governs the specific scope, fees, deliverables, and conduct of any paid engagement, including any Tax Preparation, Tax Advisory Services, SETE Savings Blueprint, or similar work. These Terms continue to apply to your use of the Site and Services before, during, and after any engagement, including any non-engagement use such as continuing to access the website or receive marketing communications.
Order of precedence. If a conflict arises between these Terms and a signed Engagement Agreement with respect to any matter covered by both, the Engagement Agreement controls for that engagement. If a conflict arises between these Terms and any marketing material, social media post, advertisement, or oral statement, these Terms control.
2. Eligibility and Authority
You must be at least eighteen (18) years old to use the Site and Services. If you are using the Site and Services on behalf of a business, entity, partnership, or other organization, you represent and warrant that you have authority to bind that organization to these Terms, and references to “you” mean both you individually and the organization you represent. The Site and Services are directed to users in the United States. We make no representation that the Site and Services are appropriate or available in any other jurisdiction. If you access the Site and Services from outside the United States, you do so at your own risk and are responsible for compliance with applicable local laws.
3. Permitted Use; Prohibited Conduct
Subject to your compliance with these Terms, the Firm grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Site and Services for your personal or internal business evaluation of the Firm and its services. You agree NOT to: (a) copy, reproduce, redistribute, sell, sublicense, or commercially exploit any portion of the Site and Services or its content; (b) reverse engineer, decompile, scrape, harvest, mine, or otherwise extract data from the Site and Services by automated or manual means, except for ordinary search-engine indexing of public pages; (c) use the Site and Services to train any artificial intelligence model, large language model, machine-learning system, or similar technology, whether or not such use is permitted by an artificial intelligence provider’s terms; (d) impersonate any person or entity, misrepresent your identity, or submit false or misleading information; (e) interfere with, disrupt, or attempt to gain unauthorized access to any portion of the Site and Services, any related systems or networks, or any account other than your own; (f) post or transmit content that is unlawful, infringing, harassing, defamatory, obscene, threatening, or otherwise objectionable; or (g) use the Site and Services in violation of any applicable law, regulation, or contract.
4. Pre-Engagement Consultations and Information You Submit
Free consultations, discovery calls, strategy sessions, lead-form submissions, and other pre-engagement interactions are NOT an engagement of the Firm for tax preparation, tax advisory, legal, or any other professional services. No professional-client relationship, attorney-client relationship, fiduciary relationship, or duty of care arises from a free consultation or from your submission of information through the Site and Services. A professional engagement is created only by a signed Engagement Agreement between you and the Firm.
Information you submit during a pre-engagement interaction, including any financial data, tax returns, business information, contact details, or personal information, is provided voluntarily and may be used by the Firm to evaluate whether to offer you an engagement, to communicate with you, to send you marketing materials, and as otherwise described in our Privacy Policy. The Firm makes no commitment to engage any particular person or entity. The Firm’s discussion of general tax concepts, strategies, or hypotheticals during a free consultation is for informational purposes only, is not tax or legal advice, and may not be relied upon as such.
5. Intellectual Property; Limited License; Liquidated Damages
All content on the Site and Services, including written text, blog posts, articles, videos, audio recordings, slide decks, downloadable templates, frameworks, methodologies, the SETE Savings Blueprint methodology, branded materials, logos, and all other intellectual property (collectively, the “Firm Content”), is owned by the Firm or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws.
Subject to your compliance with these Terms and, if applicable, your payment in full under an Engagement Agreement, the Firm grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Firm Content solely for your personal or internal business purposes. You may share a deliverable received under an Engagement Agreement (such as a SETE Savings Blueprint) only with your own personal advisors (such as your CPA, attorney, or financial planner) who agree to keep it confidential. You may not redistribute, republish, post to a website, share on social media, post to a forum or community, sell, license, or otherwise make any Firm Content available to any third party.
Liquidated damages for unauthorized disclosure. The Firm Content, and particularly the SETE Savings Blueprint and any strategy memo or 90-Day Action Plan, embody substantial investment in proprietary research, methodology, and analysis. Unauthorized disclosure, publication, or redistribution of Firm Content would cause damages that are difficult and impractical to ascertain at the time of these Terms, including loss of competitive advantage, dilution of methodology, harm to commercial value, and reputational impact. The parties agree in good faith that the sum of FIVE THOUSAND AND 00/100 DOLLARS ($5,000.00) per unauthorized disclosure or instance of redistribution is a reasonable, good-faith estimate of those damages, is not so disproportionate as to constitute a penalty, and is intended as liquidated damages and not as a penalty. You agree to pay the Firm $5,000.00 per violation, in addition to any equitable relief (including injunctive relief) and reasonable attorneys’ fees and costs of collection. This Section survives termination of your use of the Site and Services.
6. User Submissions and Testimonials
Any feedback, comment, review, testimonial, success story, photograph, video, social-media post, or other content you submit to the Firm or post on a Firm-controlled channel (collectively, “User Submissions”) is non-confidential. You grant the Firm a perpetual, irrevocable, worldwide, royalty-free, sublicensable license to use, reproduce, modify, adapt, publish, translate, distribute, and display any User Submissions in any media and for any purpose, including marketing. You represent and warrant that you have all rights necessary to grant this license, that your User Submission is truthful and reflects your honest experience, and that it does not infringe any third-party right.
7. Communications Consent
By providing your contact information through the Site and Services, you expressly consent to receive communications from the Firm, including marketing, transactional, and service-related communications, by email, telephone, text message (SMS or MMS), automated dialing systems, prerecorded or artificial-voice messages, and direct mail. Standard message and data rates may apply. You may opt out of marketing emails by following the unsubscribe instructions in any email and may opt out of marketing text messages by replying STOP. You may opt out of marketing calls by stating that you do not wish to receive further calls. Consent to receive marketing communications is not a condition of any purchase. Transactional and service-related communications related to a specific engagement may continue even after you opt out of marketing.
Call recording and AI processing. Telephone calls, video calls, and in-person meetings with the Firm may be recorded, transcribed, summarized, or analyzed using artificial intelligence and other tools for quality, training, accuracy, recordkeeping, and service-improvement purposes. By participating in any such call or meeting after notice that recording may occur, you consent to the recording, transcription, and processing in accordance with Florida Statutes § 934.03. If you do not consent, you must notify the Firm in writing before the call or meeting so that recording can be disabled.
8. Privacy
Your use of the Site and Services is also governed by the Firm’s Privacy Policy, which is incorporated into these Terms by reference. The Privacy Policy describes how the Firm collects, uses, and discloses information about you and your rights with respect to that information. The Firm will treat any tax return information in accordance with applicable law, including Internal Revenue Code § 7216 and Treasury Regulation § 301.7216. These Terms do not themselves constitute a § 7216 consent. A separate written § 7216 consent will be obtained from you to the extent required by law for any specific use or disclosure of tax return information.
9. Third-Party Links, Tools, and Referrals
The Site and Services may contain links to, or references to, third-party websites, products, services, or providers. The Firm does not control and is not responsible for the content, accuracy, availability, terms of use, privacy practices, products, or services of any third party. A link or reference is not an endorsement. Your interactions with any third party are solely between you and that third party, and you should review the third party’s terms and policies before engaging with them. The Firm and its affiliates may receive referral fees, commissions, or other compensation from third parties, as further described in the Engagement Agreement and in our Privacy Policy.
10. Disclaimers
THE SITE AND SERVICES, INCLUDING ALL FIRM CONTENT AND ANY INFORMATION PROVIDED DURING A FREE CONSULTATION, ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, THE FIRM DISCLAIMS ALL WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, RELIABILITY, AND UNINTERRUPTED OR ERROR-FREE OPERATION.
No tax, legal, or financial advice through the Site and Services. Information on the Site and Services is general in nature, is provided for educational and informational purposes only, and does not constitute tax, legal, accounting, investment, or financial advice. Tax laws, regulations, and administrative guidance change frequently and apply differently based on each person’s individual facts. No content on the Site and Services creates a professional-client relationship. You should not act or refrain from acting on the basis of information on the Site and Services without engaging the Firm under a written Engagement Agreement or consulting another qualified professional.
No outcome guarantee. Marketing materials, testimonials, case studies, and example outcomes describe past results and assumptions that may not apply to your situation. Past results do not guarantee future outcomes. The Firm makes no representation, warranty, or guarantee of any specific tax savings, financial benefit, refund, audit outcome, or other result, and any such guarantee that may appear to be made in marketing material, advertising, social media, or oral statement is superseded by these Terms and by any Engagement Agreement.
11. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE FIRM, ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, AGENTS, OR CONTRACTORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES OF ANY KIND ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE AND SERVICES, INCLUDING LOSS OF PROFITS, LOSS OF BUSINESS, LOSS OF DATA, LOSS OF GOODWILL, OR LOST TAX BENEFITS, REGARDLESS OF THE LEGAL THEORY ASSERTED AND EVEN IF THE FIRM HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
The Firm’s aggregate liability arising out of or related to your use of the Site and Services, exclusive of any liability addressed in an Engagement Agreement, shall not exceed the greater of (a) one hundred dollars ($100.00) or (b) the total amounts you have paid the Firm under these Terms in the twelve (12) months immediately preceding the event giving rise to the claim. Any liability the Firm has under a signed Engagement Agreement is governed by, and subject to the liability limitations in, that Engagement Agreement.
12. Indemnification
You agree to indemnify, defend, and hold harmless the Firm, its members, managers, officers, employees, agents, and contractors from and against any and all claims, losses, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your access to or use of the Site and Services in violation of these Terms; (b) any User Submission you provide; (c) your violation of any law, regulation, or third-party right; or (d) any unauthorized disclosure or redistribution of Firm Content by you.
13. Dispute Resolution
Informal resolution. Before commencing any formal action, the party with a dispute will provide the other party with written notice describing the dispute and the relief sought, and the parties will negotiate in good faith for fifteen (15) days from the date of notice to resolve the dispute.
Governing law and venue. These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws principles. The exclusive venue for any action arising out of or relating to these Terms or your use of the Site and Services is the state or federal courts located in Miami-Dade County, Florida, and each party irrevocably submits to the personal jurisdiction of those courts and waives any objection based on forum non conveniens or improper venue.
Waiver of jury trial. EACH PARTY KNOWINGLY, VOLUNTARILY, AND INTENTIONALLY WAIVES ANY AND ALL RIGHT TO TRIAL BY JURY IN ANY ACTION ARISING OUT OF OR RELATING TO THESE TERMS OR THE SITE AND SERVICES.
No arbitration. The parties expressly agree that disputes under these Terms shall NOT be subject to arbitration. All disputes shall be resolved exclusively in the courts identified above, subject to the jury trial waiver.
Class action waiver. All disputes must be brought individually. The parties waive any right to bring or participate in any class action, representative action, or collective action.
Limitation period. Any claim or cause of action arising out of or related to these Terms or the Site and Services must be commenced within two (2) years after the cause of action accrues. After that period, the claim is permanently barred, unless a longer period is required by applicable law.
Equitable relief. Notwithstanding the foregoing, the Firm may seek injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property, confidential information, or rights under Section 5 (Intellectual Property), without first complying with the informal-resolution requirement.
14. Modifications to These Terms
The Firm may update these Terms from time to time. When we make a material change (such as a change to dispute resolution, liability limits, or the IP and liquidated damages provision), we will post the updated Terms on the Site and Services and update the “Last Updated” date at the top. For material changes, we will use reasonable efforts to provide additional notice (such as by email or a banner on the Site). Your continued use of the Site and Services after the effective date of any updated Terms constitutes your acceptance of the updated Terms. If you do not agree to the updated Terms, stop using the Site and Services.
15. Termination of Access
The Firm may suspend or terminate your access to all or any part of the Site and Services at any time, with or without notice, for any reason or no reason, including for any violation of these Terms. Upon termination, your right to use the Site and Services ceases immediately, but Sections 5 (Intellectual Property), 6 (User Submissions), 10 (Disclaimers), 11 (Limitation of Liability), 12 (Indemnification), and 13 (Dispute Resolution), and any other provision that by its nature is intended to survive, will survive.
16. Notices
Formal notices to the Firm under these Terms must be in writing and sent to:
SETE Tax, LLC
Attn: Legal
300 SW 2nd Ave, Box #121
Miami, FL 33130
Email: [email protected]
Notices to you will be sent to the email address or mailing address you provided to the Firm. A notice is deemed received on the date sent by email if sent during business hours on a business day, and otherwise on the next business day.
17. General Provisions
Independent contractor. The Firm is an independent contractor. Nothing in these Terms creates an employment, partnership, joint venture, agency, or fiduciary relationship between you and the Firm.
Assignment. You may not assign or transfer these Terms or any of your rights or obligations under them without the Firm’s prior written consent. The Firm may assign these Terms to an affiliate or to a successor by merger, acquisition, sale, or reorganization without your consent.
Force majeure. The Firm is not liable for any failure or delay in performance caused by events beyond its reasonable control, including acts of God, natural disasters, governmental action, war, civil unrest, pandemic, labor disturbance, internet or utility outage, cyber attack, or third-party software or service failure.
Severability. If any provision of these Terms is held invalid or unenforceable, that provision will be modified to the minimum extent necessary to render it enforceable, or, if it cannot be so modified, severed from these Terms, and the remaining provisions will continue in full force and effect.
Waiver. No failure or delay by the Firm in exercising any right under these Terms is a waiver of that right, and no single or partial exercise of any right precludes any further exercise of that right.
Headings. Section headings are for convenience only and do not affect the interpretation of these Terms.
Entire agreement. These Terms (together with the Privacy Policy and any Engagement Agreement, each as applicable) constitute the entire agreement between you and the Firm with respect to the Site and Services and supersede all prior or contemporaneous understandings, agreements, representations, and communications, whether oral or written.
Electronic signatures. You agree that your electronic acceptance of these Terms (including by clicking an “I agree” check box, continuing to use the Site and Services after notice of these Terms, or providing your electronic signature) has the same legal effect as a handwritten signature, in accordance with the federal E-SIGN Act and applicable state law.
18. How to Accept These Terms
You accept these Terms by any of the following: (a) signing an Engagement Agreement that references these Terms; (b) checking an “I agree” or similar affirmative-acknowledgment check box; or (c) using the Site and Services after these Terms have been presented or made available to you.
Questions about these Terms should be directed to [email protected].