TERMS AND CONDITIONS OF USE

Effective Date: December 1, 2025

These Terms and Conditions (“Terms”) govern your use of the website and services provided by FG | Tax & Insurance (“FG”, “we”, “us”, or “our”). By accessing or using our website or services, you agree to be bound by these Terms.

1. Services Disclaimer

FG | Tax & Insurance provides:

  • Personal and corporate tax preparation

  • Insurance assistance (health and property)

  • Business formation services

  • General immigration document assistance (non‑legal)

We are not a law firm, not a government agency, and do not provide legal advice.

2. Client Responsibilities

You agree to:

  • Provide accurate and complete information

  • Review all documents before submission

  • Understand that you remain responsible for filings, deadlines, and outcomes

FG | Tax & Insurance is not responsible for penalties or consequences arising from false, incomplete, or late information provided by the client.

3. No Guarantees

While we strive for accuracy and quality, we do not guarantee outcomes, approvals, refunds, or processing times from any government agency or insurance carrier.

4. Payments & Fees

  • All fees are disclosed before services are performed

  • Fees are generally non‑refundable once services begin

  • Refunds, if any, are at the sole discretion of FG | Tax & Insurance

5. Intellectual Property

All content on this website—including text, logos, graphics, and designs—is the property of FG | Tax & Insurance and may not be copied or used without written permission.

6. Limitation of Liability

FG | Tax & Insurance shall not be liable for:

  • Indirect or consequential damages

  • Losses due to agency delays or denials

  • Client errors or omissions

Our total liability shall not exceed the fees paid for the specific service.

7. Third‑Party Links

Our website may contain links to third‑party websites. We are not responsible for their content, policies, or practices.

8. Privacy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

9. Termination of Services

We reserve the right to refuse or terminate services if:

  • Misrepresentation is discovered

  • There is abusive or unlawful behavior

  • Required documentation is not provided

10. Governing Law

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

11. Changes to Terms

We may update these Terms at any time. Continued use of our website or services constitutes acceptance of any changes.

12. Contact Information

FG | Tax & Insurance
Email: info@fgsvc.com
Phone: (786) 372‑1610
Address: 8447 Coral Way, Miami FL 33155

13. Acceptance

By using this website or engaging our services, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.