Legal Document

Terms And Conditions

Last updated: January 21, 2026

Agreement to Terms

Welcome to Kairos Insights. These Terms and Conditions (“Terms”) govern your use of our website and the accounting, tax preparation, bookkeeping, and advisory services (“Services”) provided by Kairos Insights (“we,” “our,” “us,” or “the Company”). By accessing our website or engaging our Services, you (“you,” “your,” or “Client”) agree to be bound by these Terms.

Please read these Terms carefully before using our website or engaging our Services. If you do not agree with any part of these Terms, you should not use our website or Services.

Important Notice and Disclaimer

Kairos Insights is not a Certified Public Accountant (CPA) firm. While our services may be provided by professionals with relevant academic or professional credentials and licenses, the Company itself does not hold a CPA license.

Our Services are expressly limited to:

  • Accounting and bookkeeping services
  • Tax preparation and compliance
  • Related consulting and advisory services

We do NOT provide the following services:

  • Audit services
  • Attestation services
  • Legal advice or legal representation
  • Investment advisory services
  • Broker-dealer services
  • Securities-related services

Information on this website is for general informational purposes only and is subject to applicable laws and regulations. Nothing on this website creates a client-professional relationship or constitutes personalized professional advice. The Company is not responsible for any actions taken based on information provided on this website.

Description of Services

Kairos Insights provides professional accounting, tax, and advisory services, including but not limited to:

  • Accounting Setup: QuickBooks and Xero setup, configuration, and training
  • Bookkeeping Services: Transaction recording, reconciliation, and monthly accounting
  • Tax Preparation: Individual (Form 1040) and business tax return preparation and filing
  • Tax Planning: Quarterly estimated tax calculations and tax strategy consulting
  • Payroll Services: 1099 preparation and contractor reporting
  • Sales Tax Services: Sales tax calculation, reporting, and filing
  • FBAR Filing: Foreign Bank Account Report preparation and submission
  • ITIN Services: As a Certified Acceptance Agent (CAA), we assist with Individual Taxpayer Identification Number applications
  • Financial Reporting: Financial statement preparation and analysis
  • Compliance Services: Compliance verification and regulatory guidance
  • Advisory Services: Business consulting

No Professional Relationship from Website Use

Important: No accountant-client, tax preparer-client, advisory, fiduciary, or other professional relationship is created by:

  • Accessing or browsing our website
  • Submitting inquiries through our website contact forms
  • Scheduling an appointment through our website
  • Communicating with our staff via email or phone before a formal engagement

A professional relationship with Kairos Insights will only be established when we have:

  1. Agreed in writing to provide specific Services to you
  2. Executed a formal engagement letter outlining the scope, terms, and fees for such Services
  3. Received and processed any required initial documentation or retainer

Until such formal engagement is established, any information you provide is not protected by professional privilege, and we have no duty or obligation to provide Services to you.

Client Responsibilities

By engaging our Services, you agree to:

Provide Accurate Information

  • Furnish all documents, records, and information necessary for us to perform the Services
  • Ensure that all information provided is complete, accurate, and truthful
  • Promptly notify us of any changes to your personal, financial, or business circumstances that may affect our Services
  • Respond to our requests for information in a timely manner

Review and Approve Work Product

  • Carefully review all tax returns, financial statements, and other documents we prepare before signing
  • Ask questions about any items you do not understand
  • Acknowledge that you are ultimately responsible for the accuracy of information reported on your tax returns

Maintain Records

  • Keep copies of all documents you provide to us
  • Maintain adequate records to support items reported on your tax returns
  • Retain tax returns and supporting documents for the legally required retention period (generally seven years)

Pay for Services

  • Pay all fees and charges as outlined in your engagement letter
  • Provide payment within the specified timeframe
  • Understand that we may suspend Services if payment is not received

Scope of Services and Limitations

Our Services are limited to the specific scope outlined in your engagement letter. Unless expressly stated otherwise:

  • We will prepare only the tax returns or financial documents specifically identified in the engagement
  • We are not responsible for identifying all potential tax savings or planning opportunities
  • We rely on the accuracy of information you provide without independent verification unless specifically engaged to do so
  • We do not provide legal advice or represent you in legal matters
  • We do not provide audit, attestation, or assurance services
  • We do not provide investment advisory, broker-dealer, or securities-related services
  • Our Services do not include representation before taxing authorities unless specifically engaged for such representation

Fees and Payment

Fees for our Services will be communicated in your engagement letter or our pricing calculator and are based on:

  • The complexity and scope of Services requested
  • Time required to complete the engagement
  • The professional expertise involved

Unless otherwise agreed:

  • All fees are due upon completion of Services
  • Returned checks or failed payments may be subject to additional fees
  • You are responsible for collection costs, including reasonable attorney fees, if collection action becomes necessary

Confidentiality

We understand that all information you provide to us is sensitive personal and financial information. We will:

  • Maintain strict confidentiality of your information in accordance with our Privacy Policy
  • Not disclose your information to any third party without your consent except as required by law or as necessary to provide our Services
  • Comply with all applicable federal and state privacy regulations, including the Gramm-Leach-Bliley Act, IRC Section 7216, and IRS Circular 230

Please refer to our Privacy Policy for detailed information about how we collect, use, and protect your information.

Disclaimer of Warranties

THE INFORMATION AND CONTENT ON THIS WEBSITE ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

We disclaim all warranties, including but not limited to:

  • Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
  • Warranties that our website will be uninterrupted, error-free, or free of viruses or other harmful components
  • Warranties regarding the accuracy, reliability, or completeness of any information on our website

Website Content Disclaimer: The information provided on our website is for general informational purposes only and does not constitute professional accounting, tax, legal, or financial advice. The information should not be used as a substitute for consultation with qualified professional advisors. Tax laws are complex and subject to change; information on our website may not reflect the most current legal developments.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW:

  • KAIROS INSIGHTS, ITS OWNERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OUR WEBSITE OR SERVICES
  • OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM OR RELATED TO OUR SERVICES SHALL NOT EXCEED THE TOTAL FEES YOU PAID TO US FOR THE SPECIFIC SERVICE GIVING RISE TO THE CLAIM
  • WE SHALL NOT BE LIABLE FOR ANY DAMAGES RESULTING FROM YOUR FAILURE TO PROVIDE ACCURATE AND COMPLETE INFORMATION
  • WE SHALL NOT BE LIABLE FOR PENALTIES, INTEREST, OR ADDITIONAL TAXES ASSESSED BY TAXING AUTHORITIES DUE TO YOUR FAILURE TO PROVIDE ACCURATE INFORMATION OR TIMELY RESPOND TO OUR REQUESTS

Some jurisdictions do not allow the exclusion or limitation of certain warranties or liability, so some of the above limitations may not apply to you.

Indemnification

You agree to indemnify, defend, and hold harmless Kairos Insights, its owners, employees, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorney fees) arising from:

  • Your breach of these Terms
  • Your provision of inaccurate, incomplete, or fraudulent information
  • Your violation of any applicable law or regulation
  • Any claim by a third party related to information you provided to us

Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of Kairos Insights or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may not:

  • Copy, reproduce, modify, or distribute any content from our website without our prior written consent
  • Use our trademarks, logos, or trade dress without authorization
  • Frame or mirror any portion of our website

Electronic Communications

By providing your email address and engaging our Services, you consent to receive electronic communications from us, including:

  • Engagement letters and service agreements
  • Tax organizers and information requests
  • Completed tax returns and financial documents for your review
  • Invoices and payment receipts
  • Important tax deadlines and reminders
  • Newsletters and updates (you may opt out of marketing communications)

Email Security Notice: While we use security measures to protect electronic communications, email transmission cannot be guaranteed to be completely secure. We encourage you to use our secure client portal when transmitting sensitive information. Please do not send Social Security numbers or bank account numbers via unencrypted email.

IRS Circular 230 Disclosure

To ensure compliance with requirements imposed by the IRS, we inform you that any U.S. federal tax advice contained in this website or in communications from our firm (including attachments) is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing, or recommending to another party any transaction or matter addressed herein.

Dispute Resolution

Informal Resolution

Before initiating any formal dispute resolution process, you agree to contact us first to attempt to resolve any dispute informally. Many concerns can be resolved quickly through direct communication.

Mediation

If we cannot resolve a dispute informally, you agree that any dispute arising from or relating to these Terms or our Services shall first be submitted to mediation before a mutually agreed-upon mediator. The costs of mediation shall be shared equally by both parties.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law principles. Any legal action or proceeding arising from these Terms shall be brought exclusively in the state or federal courts located in Harris County, Texas.

Termination

Either party may terminate the professional relationship at any time:

  • Termination by Client: You may terminate Services by providing written notice to us. You remain responsible for payment of fees for Services rendered prior to termination.
  • Termination by Company: We may terminate Services if you fail to pay fees when due, fail to provide necessary information, provide false or misleading information, or engage in conduct that would require us to violate professional or ethical standards.

Upon termination, we will return your original documents upon request, subject to our retention obligations and any outstanding fees owed.

Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions of these Terms shall remain in full force and effect.

Entire Agreement

These Terms, together with any engagement letter executed between you and Kairos Insights, constitute the entire agreement between you and the Company regarding the subject matter hereof. In the event of any conflict between these Terms and an engagement letter, the engagement letter shall control with respect to the specific Services covered by that engagement.

Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the updated Terms on our website with a new “Last Updated” date. Your continued use of our website or Services after such modifications constitutes your acceptance of the updated Terms.

Contact Information

If you have questions about these Terms and Conditions, please contact us:

Kairos Insights
Email: advisory@kairos-insights.com
Phone: +1 346 714 81 07

These Terms and Conditions are effective as of January 20, 2026. By using our website or engaging our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms.

If you have any questions about this document, please contact us.

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