Terms of Service

Acceptance of Terms

By accessing or using TaxGhost's platform and services ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the Service.

Service Description

What TaxGhost Provides

• Daily tax-loss harvesting opportunity identification
• Wash-sale compliance monitoring and alerts
• Portfolio analysis and tax optimization suggestions
• AI-powered tax coaching and guidance
• CPA-ready tax reports and documentation
• Educational content about tax optimization strategies

What TaxGhost Does NOT Provide

• Investment advice or recommendations to buy/sell specific securities
• Personalized tax advice or preparation services
• Trading authority or ability to execute transactions
• Guarantees of tax savings or investment performance
• Legal or accounting services
• FINRA-regulated investment advisory services

User Responsibilities

Account Security

• Maintain the confidentiality of your account credentials
• Notify us immediately of any unauthorized access
• Use strong passwords and enable two-factor authentication
• Keep your contact information current

Accurate Information

• Provide accurate and complete information during registration
• Ensure your brokerage account connections remain current
• Review all recommendations before taking any action
• Understand your own tax situation and limitations

Prohibited Uses

• Use the Service for any illegal or unauthorized purposes
• Attempt to gain unauthorized access to other users' accounts
• Reverse engineer, decompile, or attempt to extract source code
• Share your account credentials with unauthorized parties
• Use automated systems to scrape or access our platform

Data Access and Privacy

Read-Only Access

TaxGhost uses read-only access to your brokerage accounts through secure third-party providers like Plaid. We cannot and will not:

• Execute trades or transactions on your behalf
• Access your cash balances or withdraw funds
• Modify your account settings or personal information
• View sensitive personal data beyond investment holdings

Data Usage

We use your financial data solely to provide tax optimization services. See our Privacy Policy for detailed information about data collection, usage, and protection.

Important Disclaimers

No Investment Advice

TaxGhost is not a registered investment advisor. Our recommendations are for tax optimization purposes only and should not be considered investment advice. We do not recommend buying or selling specific securities for investment purposes.

Tax Professional Consultation

While our platform is built on IRS Publication 550 guidelines, tax situations are highly individual. You should consult with qualified tax professionals for advice specific to your circumstances.

Payment Terms

Subscription Billing

• Monthly subscriptions are billed in advance each month
• Annual subscriptions are billed in advance each year
• Free trial periods do not require payment information
• All fees are non-refundable except as stated in our refund policy

Refund Policy

• 30-day money-back guarantee for new subscribers
• Refunds available if we fail to identify viable opportunities
• Pro-rated refunds for annual subscriptions upon cancellation
• Contact support for refund requests

Price Changes

We may modify subscription prices with 30 days advance notice. Current subscribers will maintain their pricing for the remainder of their current billing period.

Service Availability

Uptime and Maintenance

While we strive for 99.9% uptime, we cannot guarantee uninterrupted service. We may perform scheduled maintenance with advance notice when possible.

Third-Party Dependencies

Our service depends on third-party providers (brokerage APIs, data feeds, etc.). Service interruptions by these providers may affect TaxGhost functionality.

Limitation of Liability

To the maximum extent permitted by law, TaxGhost shall not be liable for:

• Any investment losses or tax consequences from following our recommendations
• Indirect, incidental, or consequential damages
• Service interruptions or data loss
• Third-party actions or failures
• User errors or misuse of the platform

Our total liability for any claims shall not exceed the amount you paid for the Service in the 12 months preceding the claim.

Intellectual Property

TaxGhost Property

The TaxGhost platform, including all software, algorithms, content, and trademarks, is owned by TaxGhost and protected by intellectual property laws.

User Data

You retain ownership of your personal and financial data. By using our Service, you grant us a limited license to use this data to provide our services.

Termination

User Termination

You may cancel your account at any time through your account settings or by contacting support. Cancellation takes effect at the end of your current billing period.

TaxGhost Termination

We may suspend or terminate your account for violations of these Terms, illegal activity, or other reasons with appropriate notice when possible.

Changes to Terms

We may update these Terms periodically to reflect changes in our services or applicable laws. Material changes will be communicated via email or platform notification. Continued use of the Service after changes constitutes acceptance of the updated Terms.

Governing Law

These Terms are governed by the laws of the United States and the State of Delaware, without regard to conflict of law principles. Any disputes will be resolved through binding arbitration in Delaware.

Contact Information

Questions about these Terms should be directed to: