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This website is owned and operated by H&B Bookkeeping & Income Tax Service Inc. and Money Concepts. These Terms set forth the conditions under which you may use our website and the services we provide. By accessing or using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms.

Eligibility

To use our website or receive our services, you must:

• Be at least the legal age of majority in your jurisdiction;

• Have the legal authority to enter into a binding agreement;

• Not be prohibited from using our services under applicable laws or regulations.

Changes to Services

We may, without prior notice:

• Modify or discontinue any part of our services;

• Create limits on certain services or features;

• Temporarily or permanently suspend access to services for any reason, with or without notice.

Intellectual Property

All content on this website—including software, images, text, graphics, logos, trademarks, and other materials—is the exclusive property of H&B Bookkeeping & Income Tax Service Inc. Unless explicitly stated otherwise, you may not use, reproduce, modify, or distribute any content without our prior written consent.

Termination

We may suspend or terminate your access to our services at any time, especially if we believe you have violated these Terms or applicable laws. You may discontinue your use of the website or request cancellation of services at any time. 

Indemnity

You agree to indemnify and hold harmless H&B Bookkeeping & Income Tax Service Inc. and Money Concepts from any claims, losses, damages, liabilities, or expenses (including legal fees) arising from your use of the website or our services.

Limitation of Liability

To the fullest extent permitted by law, H&B Bookkeeping & Income Tax Service Inc. and Money Concepts will not be liable for any indirect, incidental, special, or consequential damages, including loss of profits, data, or goodwill, arising from the use or inability to use our services.

We are not responsible for:

• Errors or inaccuracies in website content;

• Personal injury or property damage resulting from use of the website;

• Unauthorized access to personal data stored on our servers.

Modifications

We may revise these Terms from time to time. It is your responsibility to review this page periodically. Continued use of the website after changes constitutes your acceptance of the revised Terms.

Communications

By using our website, you consent to receiving promotional communications from us via email, text, phone, or mail. You may opt out of these communications at any time by contacting us.

Governing Law

These Terms are governed by the laws of the State of Michigan, United States, without regard to conflict of law principles. All disputes shall be resolved in the courts of Ypsilanti, Michigan. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

Third-Party Links and External Content

Our website may contain links to external websites or third-party content for your convenience or reference. However, H&B Bookkeeping & Income Tax Service Inc. and Money Concepts do not endorse, guarantee, or assume responsibility for:

• The accuracy or reliability of information found on these external sites;

• Any fraudulent activity, scams, or misuse associated with third-party links;

• Any damages or losses incurred from visiting or interacting with third-party websites;

• Any malware, viruses, or malicious code that may result from accessing external links provided on our site.

By using our website, you acknowledge and agree that we are not liable for any issues that arise from your interaction with third-party websites, and you access them at your own risk.

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