Effective Date: 01.01.2025
Welcome to Yap Financial (“we,” “us,” “our,” or the “Firm”). These Terms and Conditions (“Terms”) govern your access to and use of YapFinancial.com (the “Site”) and any services provided through the Site. By accessing or using our Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.
1. About Our Firm
Yap Financial is a tax practice owned and operated by Diyan Yap an Enrolled Agent (EA) authorized to represent taxpayers before the Internal Revenue Service (IRS) pursuant to Treasury Department Circular 230. As an Enrolled Agent, Diyan Yapis licensed by the U.S. Department of the Treasury and is subject to the regulations and ethical standards set forth in Circular 230.
Our principal place of business is located at Austin, TX 78702
2. Services
We provide tax-related services that may include, but are not limited to:
- Individual and business tax return preparation
- Tax planning and consulting
- IRS and state tax authority representation
- Tax resolution services (audits, notices, collections, installment agreements, offers in compromise)
- Bookkeeping and related services (where offered)
The specific scope of services provided to any client will be defined in a separate written engagement letter executed between the client and the Firm. Use of this Site does not, by itself, create a client relationship. A client relationship is established only upon the mutual execution of an engagement letter and our acceptance of the engagement.
3. No Tax or Legal Advice Through the Site
Information provided on this Site — including blog posts, articles, FAQs, calculators, newsletters, and general guidance — is for informational and educational purposes only. It is not intended to constitute, and should not be relied upon as, tax, legal, accounting, or financial advice for any specific situation.
Tax laws change frequently and outcomes depend on individual circumstances. You should not act or refrain from acting on the basis of any content on this Site without seeking professional advice tailored to your specific facts. No information on this Site is intended or written to be used, and cannot be used, by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer.
4. Eligibility
You must be at least 18 years old and capable of entering into a legally binding agreement to use this Site or to engage our services.
5. Client Responsibilities
If you become a client, you are responsible for:
- Providing complete, accurate, and timely information and documentation
- Reviewing all returns, filings, and correspondence prepared on your behalf before signing or filing
- Retaining copies of your tax records as required by law
- Notifying us promptly of any IRS or state tax authority correspondence you receive
- Paying fees in accordance with your engagement letter
We rely on the information you provide. We are not required to audit, verify, or independently corroborate the information you supply, and we are not responsible for errors or omissions resulting from inaccurate or incomplete information.
6. Fees and Payment
Fees for services are set forth in each client’s engagement letter. Unless otherwise agreed in writing, invoices are due upon receipt. Past-due balances may be subject to a finance charge of [PERCENTAGE]% per month, and we reserve the right to suspend or terminate services for non-payment. You are responsible for any costs of collection, including reasonable attorney fees.
7. Confidentiality and Privacy
We treat client information as confidential and comply with applicable federal and state laws governing taxpayer information, including Internal Revenue Code §7216 and §6713, which restrict the use and disclosure of tax return information.
Our handling of personal information is further described in our [Privacy Policy], which is incorporated into these Terms by reference.
8. Electronic Communications
You consent to receive communications from us electronically, including email, text message, and through the Site. You acknowledge that email is not a fully secure form of communication, and you accept the risks associated with transmitting sensitive information by email. We encourage clients to use any secure client portal we provide for the exchange of sensitive documents.
9. IRS Circular 230 Notice
As an Enrolled Agent, Diyan Yap governed by the rules set forth in Treasury Department Circular 230. Any tax advice contained in communications from the Firm — including emails, letters, and content on this Site — is intended for the specific recipient and the specific matter addressed, and may not be used or relied upon by any other person or for any other purpose.
10. Representation Authority
Enrolled Agents are federally licensed tax practitioners with unlimited practice rights before the IRS. Enrolled Agent status does not constitute admission to the practice of law in any state. We do not provide legal advice and do not represent clients in matters requiring an attorney, including but not limited to litigation in U.S. District Court, U.S. Court of Federal Claims, or state courts. Where legal counsel is appropriate, we will recommend that you consult an attorney.
11. Third-Party Links and Tools
The Site may contain links to third-party websites, tools, or services (for example, IRS.gov, payment processors, scheduling tools, or client portals). These links are provided for convenience only. We do not endorse, control, or assume responsibility for the content, accuracy, or practices of any third-party site or service. Your use of third-party sites is at your own risk and subject to their terms.
12. Intellectual Property
All content on the Site — including text, graphics, logos, articles, checklists, and downloads — is the property of the Firm or its licensors and is protected by U.S. and international copyright and trademark laws. You may view and print content for your personal, non-commercial use. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.
13. User Conduct
You agree not to:
- Use the Site for any unlawful purpose
- Attempt to gain unauthorized access to any portion of the Site, our systems, or other users’ data
- Interfere with or disrupt the Site, including by introducing viruses or malicious code
- Scrape, harvest, or collect information from the Site by automated means
- Impersonate any person or misrepresent your affiliation with any entity
14. Disclaimers
THE SITE AND ITS CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT.
We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components, or that any information on the Site is current or accurate.
15. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, Yap Financial ITS OWNER, EMPLOYEES, AND CONTRACTORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE.
For services provided under an engagement letter, our aggregate liability for any claim arising out of or related to the engagement shall not exceed the fees paid by the client to the Firm for the specific services giving rise to the claim, except as limited or expanded by the terms of the engagement letter.
Some jurisdictions do not allow certain limitations of liability, so portions of this section may not apply to you.
16. Indemnification
You agree to indemnify, defend, and hold harmless the Firm and its owner, employees, and contractors from and against any claims, damages, losses, liabilities, and expenses (including reasonable attorney fees) arising from your breach of these Terms or your misuse of the Site.
17. Termination
We may suspend or terminate your access to the Site at any time, with or without notice, for any reason, including breach of these Terms.
18. Governing Law and Dispute Resolution
These Terms are governed by the laws of the State of [STATE], without regard to its conflict-of-law principles. Any dispute arising out of or related to these Terms or the Site shall be resolved exclusively in the state or federal courts located in [COUNTY], [STATE], and you consent to the personal jurisdiction of those courts.
19. Changes to These Terms
We may update these Terms from time to time. The “Last Updated” date at the top reflects the most recent revision. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.
20. Severability
If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
21. Entire Agreement
These Terms, together with our Privacy Policy and any engagement letter executed between you and the Firm, constitute the entire agreement between you and the Firm regarding the Site and supersede any prior agreements regarding the same subject matter.
22. Contact Us
Questions about these Terms can be directed to:
Yap Financial Email : Me [at] YapFinancial.com
This document is a template provided as a starting point. Tax practice regulations vary by state, and certain provisions (limitation of liability, arbitration, indemnification, fee terms) have legal consequences that should be reviewed by an attorney licensed in your state before publishing.