Terms and Conditions

 

 

Effective Date: 1/29/2026

 

These Terms and Conditions govern access to and use of the website and services provided by DCA Financial. By accessing this website or engaging our services, you acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions. If you do not agree, you must immediately discontinue use of this website and services.

 

 

 

 

Scope of Services

 

 

DCA Financial provides professional services including tax preparation, tax filing assistance, credit optimization services, credit education, and general financial guidance. All services are provided based solely on information supplied by the client and are subject to applicable federal and state laws.

 

No service provided by DCA Financial constitutes legal advice, investment advice, or a guarantee of specific financial outcomes. Results may vary depending on individual circumstances, regulatory authorities, and third-party institutions.

 

 

 

 

Client Responsibilities

 

 

Clients agree to provide complete, accurate, and truthful information necessary for the performance of services. Clients are solely responsible for reviewing all documents, disclosures, and filings prior to approval or submission.

 

DCA Financial shall not be held liable for penalties, interest, delays, adverse outcomes, or inaccuracies resulting from incomplete, inaccurate, or withheld information provided by the client.

 

 

 

 

IRS Circular 230 Disclosure

 

 

To ensure compliance with Internal Revenue Service regulations, any tax advice provided by DCA Financial, whether written or oral, is not intended or written to be used, and cannot be used, for the purpose of avoiding penalties under the Internal Revenue Code or promoting, marketing, or recommending any tax-related transaction.

 

Clients are encouraged to seek independent professional advice regarding their specific tax situation.

 

 

 

 

No Guarantees or Representations

 

 

DCA Financial makes no representations or warranties regarding tax refund amounts, credit score increases, credit approvals, processing times, or financial outcomes.

 

Tax results are determined by applicable tax laws and the Internal Revenue Service. Credit outcomes are determined by credit bureaus, creditors, and individual credit behavior. DCA Financial does not control, influence, or guarantee decisions made by third parties.

 

 

 

 

Fees and Payment

 

 

All fees for services will be disclosed prior to engagement. By proceeding with services, the client agrees to all stated fees and payment terms. Payment is required as agreed before services are completed, submitted, or filed.

 

 

 

 

Refund Policy

 

 

Due to the nature of professional services, all fees are non-refundable once services have commenced. This includes, but is not limited to, tax preparation, tax filing, credit analysis, credit optimization services, consultations, and advisory services.

 

Refunds will not be issued for dissatisfaction with tax refund amounts, credit results, processing delays caused by third parties, or a client’s decision to discontinue services after work has begun.

 

If an error occurs solely due to a direct mistake by DCA Financial, reasonable efforts will be made to correct the error at no additional cost. Errors resulting from client-provided information are excluded.

 

 

 

 

Authorization and Filing

 

 

Clients are responsible for reviewing and approving all tax returns prior to submission. Once a tax return has been filed with the Internal Revenue Service or applicable authority, it cannot be reversed. No refunds will be issued for services related to filed returns.

 

 

 

 

Chargebacks and Payment Disputes

 

 

By engaging services with DCA Financial, clients agree not to initiate chargebacks or payment disputes for services that have already commenced or been rendered.

 

Unauthorized chargebacks or payment disputes may be contested with supporting documentation, including service agreements, communication records, work product, and authorization confirmations. Clients remain responsible for all fees incurred, including administrative and collection costs associated with disputed payments.

 

 

 

 

Professional Disclaimer

 

 

All information provided through this website or during service engagement is for general informational purposes only and should not be relied upon as legal, tax, financial, or investment advice. Clients should consult appropriate licensed professionals regarding their specific circumstances.

 

 

 

 

Intellectual Property

 

 

All content on this website, including text, branding, logos, graphics, and materials, is the exclusive property of DCA Financial and may not be copied, reproduced, distributed, or used without prior written consent.

 

 

 

 

Limitation of Liability

 

 

To the fullest extent permitted by law, DCA Financial shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from the use of this website or services.

 

Any liability, if established, shall be strictly limited to the amount paid for the specific service rendered.

 

 

 

 

Privacy

 

 

Use of this website and services is subject to our Privacy Policy, which governs the collection, use, and protection of personal and financial information.

 

 

 

 

Modifications

 

 

DCA Financial reserves the right to modify or update these Terms and Conditions at any time without prior notice. Continued use of the website or services constitutes acceptance of any revisions.

 

 

 

 

Governing Law

 

 

These Terms and Conditions shall be governed by and construed in accordance with the laws of the United States and the state in which DCA Financial operates.

 

 

 

 

Contact Information

 

 

For questions regarding these Terms and Conditions, please contact:

 

DCA Financial

Email: info@dcafinancial.us

Website: dcafinancial.us