1. AGREEMENT

This Agreement describes the terms governing your use of the Services provided to you either in the form of general information presented by Bennett Financials in print or digital media or in the form of tax-related services fulfilled by an appropriately licensed and registered firm authorized to provide tax planning, tax advice, tax preparation, and tax filing services (collectively, the “Services”). This Agreement includes by reference:

Bennett Financials’s Privacy Statement. Click here

Additional terms and conditions, which may include those from third parties.Any terms provided separately to you for the Services, including product or program terms, ordering, activation, payment terms, etc.

2. YOUR RIGHTS TO USE THE SERVICES

2.1 The Services are protected by copyright, trade secret, and other intellectual property laws. You are only granted the right to use the Services and only for the purposes described by Bennett Financials.

Bennett Financials reserves all other rights in the Services. Until termination of this Agreement and as long as you meet any applicable payment obligations and comply with this Agreement, Bennett Financials grants to you a personal, limited, nonexclusive, nontransferable right and license to use the Services.

2.2 You agree not to use, nor permit any third party to use, the Services in a manner that violates any applicable law, regulation, or this Agreement. You agree you will not:

Provide access to or give any part of the Services to any third party.Reproduce, modify, copy, sell, trade, lease, rent, or resell the Services.Decompile, disassemble, or reverse engineer the Services.Make the Services available on any file-sharing or application hosting service.

3. PAYMENT.

Initial Deposit: An deposit is required when the agreement is signed. This allows the Bennett Financials to begin reviewing the initial documentation and preparing the tax plan. Payment shall be processed on the details provided by you at the bottom of the service agreement.​

Performance Bonus: Once you have received the tax plan, if Bennett Financials has successfully demonstrated at least $50,000 of savings, Bennett Financials shall collect the agreed upon performance bonus within 24 hours of delivering the tax plan.

For the Services offered on a payment basis, the following terms apply, unless Bennett Financials or its third-party affiliate notifies you otherwise in writing. This Agreement also incorporates the transaction details stated at the time of purchase, including a description of the selected Services, total price, and payment terms:

a) Payments will be billed to you in U.S. dollars, and your account will be debited when you provide your payment information and authorize the transaction by indicating you have read and agreed to terms of the sale, including this Agreement, on the website for the Services.

b) You must pay with one of the following and provide 2 payment methods Bennett Financials will store securely on your customer profile:

i) A valid credit card acceptable to Bennett Financials;

ii) A valid debit card acceptable to Bennett Financials;

iii) Sufficient funds in a checking or savings account to cover an electronic debit of the payment due; or

iv) By another payment option Bennett Financials provides to you in writing.

c) If your payment and registration information is not accurate, current, and complete and you do not notify us promptly when such information changes, we may suspend or terminate your account and refuse any use of the Services.

d) If you do not notify us of updates to your payment method (e.g., credit card expiration date), to avoid interruption of the Services, we may participate in programs supported by your card provider (e.g., updater services, recurring billing programs, etc.) to try to update your payment information, and you authorize us to continue billing your account with the updated information that we obtain.

e) You may update the payment method used for billing of your Installment Payments and Subscription Payments by contacting us at 1-865-217-0244, by e-mailing to [email protected], or by mail to 800 S. Gay Street, Suite 700 Knoxville TN 37929

f) In limited circumstances, you may have various payment terms, such as paying your balance in full in one payment or by automatic recurring installment payments. Not all options are available for all Services and some options may be discontinued or not eligible for future Services. The option you select is subject to the transaction details on the website at the time of purchase, including a description of the selected Services, total price, and payment terms (e.g., payment in full or payment by periodic or recurring installments, etc.). Once you order and your initial payment is processed, your Service has begun, and you can begin accessing the relevant Services.

g) The Services and promotional offers may include assistance in preparing and filing documents. Where applicable, states and jurisdictions may require fees for processing and registration. Unless otherwise stated by law, we or an authorized service provider may assess a convenience fee to process filing fees on your behalf.

h) Installment Payments, Performance Bonus, & Automatic Billing.

In limited circumstances, you may have an option to pay for the Services by making a series of periodic payments or installment payments until the entire balance is paid (“Installment Payments”). You may also have an option to pay an initial deposit to receive the tax plan and pay the remaining balance as a performance bonus after the initial tax plan has been presented ("Performance Bonus"). By accepting the offer, you agree to pay the entire purchase price for the Services in periodic installment payments with a defined amount, frequency, and duration stated at the time of purchase (“Payment Terms”). You will be charged at the beginning of each billing term using the payment methods you provided. Depending on scheduling and individual circumstances, you may receive some Services prior to completing your Installment Payments. Regardless of when or if you use the Services, you are responsible for paying the entire balance. There is no penalty for paying the entire balance for the Services before your scheduled last payment date.

i) Cancellations. You may cancel the Services within three (3) calendar days from the date of the order for a full refund. If you accept an offer to pay in periodic installments, you may immediately begin using the Services, and you may not cancel the Services or Installment Payments after three (3) calendar days from the date of the order.

UPON ORDER, YOU AUTHORIZE US TO IMMEDIATELY BEGIN ALLOCATING RESOURCES TO PROVIDE THE SERVICES. THEREFORE, AFTER THREE (3) CALENDAR DAYS FROM THE DATE OF THE ORDER, THE SALE BECOMES FINAL AND NO REFUNDS WILL BE ISSUED.

j) Refund Policy: If Bennett Financials cannot demonstrate the guaranteed amount of potential gross tax savings, CLIENT is entitled to a refund of their initial deposit, and the agreement will be terminated.

If CLIENT wishes to terminate services after the onboarding call and not proceed with bespoke tax planning, they may do so by emailing a written termination request to [email protected] within 24 hours of the onboarding call. If Bennett Financials has demonstrated the guaranteed amount of potential gross tax savings prior to the termination request - the initial deposit shall not be refunded, but the performance bonus shall be waived. The performance bonus is not refundable once billed.

​

Prior to any refund requests, CLIENT is required to review provided education of advanced tax strategies as well as make a good-faith effort to understand and receive consulting from Bennett Financials on the proposed strategies within their tax plan. If CLIENT has not done so, any and all refund requests are immediately voided until CLIENT has reviewed documentation, received education, and demonstrated sufficient knowledge of advanced tax strategies to make an informed and educated decision. If after making a good-faith effort to understand the advanced tax strategies, CLIENT still wishes to proceed with a refund and company has not delivered the guaranteed tax savings amount, Bennett Financials shall process a refund without delay.

4. YOUR PERSONAL INFORMATION.

You can view Bennett Financials’ Privacy Statement provided with the Services and on the website for the Services. You agree to the applicable Bennett Financials Privacy Statement and any changes published by Bennett Financials.

You agree that Bennett Financials may use and maintain your data according to the Bennett Financials Privacy Statement as part of the Services.

This means that Bennett Financials may use your data to improve the Services or design promotions, and develop new products or services.

4.1 California Consumer Privacy Act.

For the purposes of the California Consumer Privacy Act (“CCPA”), Bennett Financials shall be considered a Business and Third Party, as applicable. Where Bennett Financials acts as a Third Party, you represent, warrant, and covenant that all Personal Information provided or otherwise made available to Bennett Financials is done so in compliance with applicable law, and that you have provided all necessary and appropriate notices and opt-outs, and otherwise have all necessary and appropriate rights, to enable Bennett Financials to: share any and all Personal Information you provide with any Bennett Financials company, including Bennett Financials and any parent, subsidiary, affiliate, or related company of Bennett Financials (collectively, the “Bennett Financials Family Companies”); and use any such Personal Information in connection with any and all Bennett Financials Family Companies’ internal operations and functions, including, but not limited to, improving such Bennett Financials Family Companies’ products and services, operational analytics and reporting, internal financial reporting and analysis, audit functions and archival purposes. Notwithstanding the foregoing, the parties agree that the sharing of Personal Information between Bennett Financials Family Companies does not constitute a “sale” of such Personal Information under the CCPA. Capitalized terms in this paragraph have the meanings given those terms under the CCPA.

5. CONTENT AND USE OF THE SERVICES

5.1 Responsibility for Content and Use of the Services.

Content includes any data, information, materials, text, graphics, images, music, software, audio, video, works of authorship of any kind, that are uploaded, transmitted, posted, generated, stored or otherwise made available through the Services (“Content”), which will include without limitation any Content that account holders (including you) provide through your use of the Services. By making your Content available through your use of the Services, you grant Bennett Financials a worldwide, royalty-free, non-exclusive license to host and use your Content. Archive your Content frequently. You are responsible for any lost or unrecoverable Content. You must provide all required and appropriate warnings, information, and disclosures. Bennett Financials is not responsible for any of your Content that you submit through the Services. You agree not to use, nor permit any third party to use, the Services to upload, post, distribute, link to, publish, reproduce, engage in, promote or transmit any of the following:Illegal, fraudulent, defamatory, obscene, pornographic, profane, threatening, abusive, hateful, harassing, offensive, inappropriate or objectionable information or communications of any kind, including without limitation conduct that is excessively violent, incites or threatens violence, encourages “flaming” others or criminal or civil liability under any local, state, federal or foreign law;Content that would impersonate someone else or falsely represent your identity or qualifications, or that may constitute a breach of any individual’s privacy; is illegally unfair or deceptive, or creates a safety or health risk to an individual or the public;Except as permitted by Bennett Financials in writing, investment opportunities, solicitations, chain letters, pyramid schemes, other unsolicited commercial communication or spamming or flooding;Virus, Trojan horse, worm or other disruptive or harmful software or data; andAny Content that you do not own or have the right to use without permission from the intellectual property rights owners thereof.

5.2 Restricted Use of the Services.

You shall not, and shall not permit any users of the Services or any other party to, engage in, solicit, or promote any activity that is objectionable or may be illegal, violates the rights of others, is likely to cause notoriety, harm or damage to the reputation of Bennett Financials or could subject Bennett Financials to liability to third parties, including: (i) unauthorized access, monitoring, interference with, or use of the Services or third party accounts, data, computers, systems or networks; (ii) interference with others’ use of the Services or any system or network, including mail bombing, broadcast or denial of service attacks; (iii) unauthorized collection or use of personal or confidential information, including phishing, pharming, spidering, and harvesting; (iv) viewing or other use of any Content that, in Bennett Financials' opinion, is prohibited under this Agreement; (v)any other activity that places Bennett Financials in the position of fostering, or having potential or actual liability for, illegal activity in any jurisdiction; or (vi) attempting to probe, scan, penetrate or test the vulnerability of a Bennett Financials system or network or to breach Bennett Financials' security or authentication measures, whether by passive or intrusive techniques. Bennett Financials reserves the right to not authorize and may terminate your use of the Services based on reasonable suspicion of your activities, business, products, or services that are objectionable or promote, support, or engage in any of the restricted uses described above.

5.3 Bennett Financials may freely use feedback you provide.

You agree that Bennett Financials may use your feedback, suggestions, or ideas in any way, including in future modifications of the Services, other products or services, advertising, or marketing materials. You grant Bennett Financials a perpetual, worldwide, fully transferable, sublicensable, non-revocable, fully paid-up, royalty-free license to use the feedback you provide to Bennett Financials in any way.

5.4 Bennett Financials may monitor Content.

Bennett Financials may, but has no obligation to, monitor access to or use of the Services or Content or to review or edit any Content for the purpose of operating the Services, to ensure compliance with this Agreement, and to comply with applicable law or other legal requirements. We may disclose any information necessary to satisfy our legal obligations, protect Bennett Financials or its customers, or operate the Services properly. Bennett Financials, in its sole discretion, may refuse to post, remove, or refuse to remove, or disable any Content, in whole or in part, that is alleged to be, or that we consider to be unacceptable, undesirable, inappropriate, or in violation of this Agreement.

5.5 Bennett Financials may showcase results in their marketing.

You agree that any and all results, deliverables, or outcomes produced during the course of this Service ("Results") may be used by Bennett Financials for marketing and advertising purposes. This includes, but is not limited to, the use of quantitative or qualitative improvements, testimonials, positive feedback, and other statements provided by the Client regarding the Results or the Service.

Client grants Bennett Financials a perpetual, irrevocable, royalty-free, worldwide license to use, reproduce, modify, and distribute any Results, feedback, testimonials, or related content provided by Client for marketing, advertising, and promotional purposes, in any format, medium, or channel, including but not limited to print, digital, social media, and web-based advertising.

By agreeing to this section, Client acknowledges and consents to the use of the aforementioned materials without further review, approval, or compensation, and waives any rights or claims related to such use.

Client agrees that any and all results, deliverables, or outcomes produced during the course of this Service ("Results") may be used by Bennett Financials for marketing and advertising purposes. This includes, but is not limited to, the use of quantitative or qualitative improvements, testimonials, positive feedback, and other statements provided by the Client regarding the Results or the Service. Bennett Financials will NOT display any sensitive or private information and will abide by standards of professionalism and integrity when showcasing client results in their marketing.

Client grants Bennett Financials a perpetual, irrevocable, royalty-free, worldwide license to use, reproduce, modify, and distribute any Results, feedback, testimonials, or related content provided by Client for marketing, advertising, and promotional purposes, in any format, medium, or channel, including but not limited to print, digital, social media, and web-based advertising.

By agreeing to this section, Client acknowledges and consents to the use of the aforementioned materials without further review, approval, or compensation, and waives any rights or claims related to such use.

6. BENNETT FINANCIALS GUARANTEES

6.1 Tax Savings Plan Potential Savings Guarantee.

Upon purchase of an eligible tax package that includes a tax savings plan, we will identify potential tax savings based on information and documents provided by you, such as previous tax returns and other applicable information. This guarantee is limited to the first tax savings plan (subsequent tax savings plans are not eligible). This guarantee cannot be combined with other guarantees, unless stated otherwise in writing.

To qualify, eligible customers must meet the following conditions:

(i) have annual business net income equal to at least $500,000;

(ii) within three (3) calendar days from the initial requests, complete required questionnaires and provide required tax documents;

iiI) schedule an onboarding call with Bennett Financials within five (5) days of paying the initial deposit.

To redeem, eligible customers must notify us within 24 hours of the date the tax plan is presented to you. Send written notice to Bennett Financials, 800 S. Gay Street, Suite 700 Knoxville TN 37929. Please use a traceable mailing method and maintain copies of submitted items for your records. Please allow up to fourteen (14) days for processing and delivery. We reserve the right, at our sole discretion, to require a secondary review by a senior Tax Expert to validate (or invalidate) a request for a full or partial refund under the terms of this Section 6. If after four (4) weeks you have not received your applicable refund, contact us at 1-865-217-0244. Depending on purchased services, we may, in our sole discretion, issue a partial or full refund as outlined below:

To ensure absolute clarity, this section (6.1 Tax Savings Plan Potential Savings Guarantee) shall take precedence over any and all other mentions of refund or guarantee terms in this agreement. Any and all references to refunds, guarantees, or specific tax savings amounts found elsewhere in the service agreement or on this page are hereby superseded by the terms outlined in this section. These are the only terms applicable for any refund or guarantee considerations, and no other terms, whether stated or implied elsewhere in the agreement, shall be considered valid.

7. ADDITIONAL TERMS

7.1 Bennett Financials professional services.

Products and services are sold by Bennett Financials and professional services are fulfilled by appropriately licensed service providers. Bennett Financials account executives, account managers, customer success managers (CSMs), and other personnel are not licensed service providers.

7.2 We may tell you about other Bennett Financials Services.

You may be offered other services, products, or promotions by Bennett Financials (“Bennett Financials Services”). Additional terms and conditions and fees may apply. With some Bennett Financials Services, you may upload or enter data from your account(s), such as names, addresses, and phone numbers, purchases, etc., to the Internet.

You grant Bennett Financials permission to use information about your business and experience to help us to provide the Bennett Financials Services (including other products and services you might be interested in), to develop new products and services, and to enhance the Services.

7.3 Communications.

Bennett Financials may be required by law to send you communications about the Services or third-party products. You agree that Bennett Financials may send these communications to you via e-mail or by posting them on our websites.

8. DISCLAIMER OF WARRANTIES

8.1 YOUR USE OF THE SERVICES AND CONTENT IS ENTIRELY AT YOUR OWN RISK. EXCEPT AS DESCRIBED IN THIS AGREEMENT, THE SERVICES ARE PROVIDED “AS IS.” TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, BENNETT FINANCIALS, ITS AFFILIATES, AND ITS THIRD-PARTY PROVIDERS, LICENSORS, DISTRIBUTORS OR SUPPLIERS (COLLECTIVELY, “SUPPLIERS”) DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTY THAT THE SERVICES ARE FIT FOR A PARTICULAR PURPOSE, TITLE, MERCHANTABILITY, DATA LOSS, NON-INTERFERENCE WITH OR NON-INFRINGEMENT OF ANY INTELLECTUAL PROPERTY RIGHTS, OR THE ACCURACY, RELIABILITY, QUALITY OF CONTENT IN OR LINKED TO THE SERVICES. BENNETT FINANCIALS AND ITS AFFILIATES AND SUPPLIERS DO NOT WARRANT THAT THE SERVICES ARE SECURE, FREE FROM BUGS, VIRUSES, INTERRUPTION, ERRORS, THEFT, OR DESTRUCTION. IF THE EXCLUSIONS FOR IMPLIED WARRANTIES DO NOT APPLY TO YOU, ANY IMPLIED WARRANTIES ARE LIMITED TO 60 DAYS FROM THE DATE OF PURCHASE OR DELIVERY OF THE SERVICES, WHICHEVER IS SOONER.

8.2 BENNETT FINANCIALS, ITS AFFILIATES, AND SUPPLIERS DISCLAIM ANY REPRESENTATIONS OR WARRANTIES THAT YOUR USE OF THE SERVICES WILL SATISFY OR ENSURE COMPLIANCE WITH ANY LEGAL OBLIGATIONS OR LAWS OR REGULATIONS.

9. CHANGES.

Bennett Financials may revise this Agreement from time to time. Changes will not be retroactive, and the most current version of this Agreement, which will always be at https://go.bennettfinancials.com/terms, will govern Bennett Financials' ongoing relationship with you. Except in urgent situations such as responding to legal requirements or other issues, Bennett Financials will try to notify you with advanced notice of material changes that negatively impact your use of the Services.

10. TERMINATION.

Bennett Financials may, at its sole discretion and without prior notice, restrict, deny, or terminate this Agreement, or suspend the Services (including related or other services), effective immediately and in whole or in part, under the following circumstances: if we determine that your use of the Services violates this Agreement; is improper; substantially exceeds or differs from normal usage by other users; raises suspicion of fraud, misuse, security concerns, illegal activity, or unauthorized access; or to protect the integrity or availability of the Services or systems and to comply with applicable Bennett Financials policies. This also applies if you no longer agree to receive electronic communications or if your use of the Services conflicts with Bennett Financials' interests or those of another user.

Upon receiving notice from Bennett Financials that your use of the Services has been terminated, you must immediately cease all use of the Services. Any outstanding payments will become due at that time.

Any termination of this Agreement shall not affect Bennett Financials' rights to any payments due to it. Bennett Financials may terminate a free account at any time. Sections 2.2, 3 through 13 will survive and remain in effect even if the Agreement is terminated.

11. GOVERNING LAW.

Tennessee state law governs this Agreement without regard to its conflict of laws provisions.

12. DISPUTES.

ANY DISPUTE OR CLAIM RELATING IN ANY WAY TO THE SERVICES OR THIS AGREEMENT WILL BE RESOLVED BY BINDING ARBITRATION, RATHER THAN IN COURT, except that you may assert claims in small claims court if your claims qualify. The Federal Arbitration Act governs the interpretation and enforcement of this provision; the arbitrator shall apply Tennessee law to all other matters. All issues are for the arbitrator to decide, including issues relating to the scope and enforceability of this arbitration provision. Notwithstanding anything to the contrary, any party to the arbitration may at any time seek injunctions or other forms of equitable relief from any court of competent jurisdiction. WE EACH AGREE THAT ANY AND ALL DISPUTES MUST BE BROUGHT IN THE PARTIES’ INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. BY ENTERING INTO THIS AGREEMENT AND AGREEING TO ARBITRATION, YOU AGREE THAT YOU AND BENNETT FINANCIALS ARE EACH WAIVING THE RIGHT TO FILE A LAWSUIT AND THE RIGHT TO A TRIAL BY JURY. IN ADDITION, YOU AGREE TO WAIVE THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR LITIGATE ON A CLASS-WIDE BASIS. YOU AGREE THAT YOU HAVE EXPRESSLY AND KNOWINGLY WAIVED THESE RIGHTS.

To begin an arbitration proceeding, send a letter requesting arbitration and describing your claim to Bennett Financials, 800 S. Gay Street, Suite 700 Knoxville TN 37929. Arbitration will be conducted by the American Arbitration Association (AAA) before a single AAA arbitrator under the AAA’s rules, which are available at www.adr.org or by calling 1-800-778-7879. Payment of all filing, administration, and arbitrator fees and costs will be governed by the AAA’s rules. Each party shall bear its own attorneys’ fees and costs incurred in arbitration. However, if the arbitrator finds that your claims or defenses are frivolous, you shall be responsible for Bennett Financials' reasonable attorneys’ fees. Arbitration shall be conducted in Knox County, Tennessee or at another location determined by Bennett Financials. The arbitration may be carried out by telephone, based on written submission, or in person, depending upon the method deemed most appropriate by Bennett Financials. The decision of the arbitrator shall be final and not appealable, and judgment on the arbitration award may be entered in any court having jurisdiction thereof. This Section 12 shall survive expiration, termination, or rescission of this Agreement.

13. GENERAL.

This Agreement, including the Additional Terms below, is the entire agreement between you and Bennett Financials regarding its subject matter and replaces all prior understandings, communications, and agreements, oral or written, regarding its subject matter. If any court of law, having the jurisdiction, rules that any part of this Agreement is invalid, that section will be removed without affecting the remainder of the Agreement. The remaining terms will be valid and enforceable. The United Nations Convention on Contracts for the International Sale of Goods does not apply to this Agreement. You may not assign or transfer this Agreement to anyone without written approval of Bennett Financials. However, Bennett Financials may assign or transfer this Agreement without your consent to (a) an affiliate, (b) a company through a sale of assets by Bennett Financials, or (c) a successor by merger. Any assignment in violation of this Section shall be void. If you want to request a transfer of this Agreement, contact Bennett Financials via an e-mail to [email protected]

.