1. Legal Agreement
These Terms and Conditions (“Terms”) constitute a legally binding agreement between you (“User,” “Client,” or “you”) and O&R Tax and Services (“Company,” “we,” “us,” or “our”).
By accessing, browsing, or using this website or any of our services, you acknowledge that you have read, understood, and agreed to be bound by these Terms.
2. Eligibility
You must be at least 18 years of age and legally capable of entering binding agreements under United States law. Use of this website by minors is strictly prohibited.
3. Scope of Services
O&R Tax and Services provides professional administrative, financial, and tax-related services, including but not limited to:
- Personal and corporate tax preparation
- Tax compliance and ITIN assistance
- Credit repair and financial consulting
- Personal and business loan assistance
- First-time home buyer guidance
- Business credit cards
- LLC and Non-Profit (501(c)(3)) registration
We act as a service facilitator and advisor. Final decisions rest with lenders, financial institutions, credit bureaus, or government agencies.
4. No Guarantees or Promises
We do not guarantee:
- Loan approvals
- Specific credit score improvements
- Tax refund amounts
- Approval of LLCs, Non-Profits, or ITINs
- Any financial or legal outcome
All results depend on third-party decisions and the accuracy of information provided by the client.
5. Not Legal or Investment Advice
Information provided through this website or our services does not constitute legal, investment, or financial advice.
Clients are encouraged to consult licensed attorneys, CPAs, or financial advisors when necessary.
6. Client Responsibilities
You agree to:
- Provide complete, truthful, and accurate information
- Update information promptly if circumstances change
- Comply with all federal, state, and local laws
- Authorize us to submit information to third parties when required
False, misleading, or fraudulent information may result in immediate service termination.
7. Fees, Payments, and Refunds
Service fees are disclosed prior to engagement.
Unless otherwise stated in writing:
- All fees are non-refundable
- Payments must be made in full before service completion
- Chargebacks or payment disputes may result in account suspension
8. Confidentiality and Data Handling
We take reasonable measures to protect client information in accordance with applicable U.S. laws.
However, no system is 100% secure, and we cannot guarantee absolute security.
9. Privacy and Cookies
Your use of this website is subject to our Privacy Policy and Cookie Policy, which form part of these Terms by reference.
10. Third-Party Providers
We are not responsible for:
- Actions or decisions of lenders or financial institutions
- IRS, state agencies, or credit bureaus
- Delays or denials caused by third parties
11. Intellectual Property
All content on this website, including text, graphics, branding, and logos, is owned by O&R Tax and Services and protected under U.S. intellectual property laws.
Unauthorized use is strictly prohibited.
12. Limitation of Liability
To the maximum extent permitted by law, O&R Tax and Services shall not be liable for indirect, incidental, consequential, or punitive damages arising from:
- Use or inability to use services
- Financial decisions made by third parties
- Errors based on inaccurate client information
13. Indemnification
You agree to indemnify and hold harmless O&R Tax and Services from any claims, damages, losses, or expenses arising from your misuse of services or violation of these Terms.
14. Service Termination
We reserve the right to suspend or terminate services at our sole discretion for:
- Non-payment
- Fraudulent activity
- Violation of these Terms
15. Governing Law and Jurisdiction
These Terms are governed by the laws of the Commonwealth of Pennsylvania.
Any disputes shall be resolved exclusively in courts located within Pennsylvania.
16. Severability
If any provision of these Terms is found unenforceable, the remaining provisions shall remain in full force and effect.
17. Modifications
We may revise these Terms at any time. Continued use of the website constitutes acceptance of the revised Terms.
18. Contact Information
O&R Tax and Services
Pennsylvania, United States
Phone: 7866-350-5408
Email: info@orta.services
Website: www.orta.services 