Simple Tax & Loans, LLC Effective date: October 31, 2026 Welcome to simpletaxandloans.com (the "Site"), operated by Simple Tax & Loans, LLC ("Simple Tax & Loans," "we," "us," or "our"). By accessing or using this Site, you agree to these Terms of Use. If you do not agree, please do not use the Site. 1. Informational Purposes Only — Not Tax Advice The content on this Site, including our free guide, "One Big Beautiful Bill (OBBB) For 2026 Tax Season," is general educational information about tax topics. It is not tax, legal, or financial advice for your specific situation, and using this Site or downloading our materials does not create a client relationship with us. Tax laws change frequently and vary by individual circumstances. Please consult a qualified tax professional about your own taxes. A client relationship begins only when you engage our services and sign our engagement documents. 2. Our Services The Site describes tax preparation services, appointment booking, and tax preparer training offered by Simple Tax & Loans. Service descriptions, prices, and availability shown on the Site may change without notice and are not a binding quote. Any quote or engagement is confirmed in writing at the time you book or enroll. Training enrollment is completed through our registration form and is subject to the terms presented there, including payment terms and completion of required onboarding documents. 3. Intellectual Property The Site and its contents — including text, graphics, logos, and the downloadable guide — are the property of Simple Tax & Loans, LLC or its licensors and are protected by copyright and other intellectual property laws. The free guide is provided for your personal, non-commercial use. You may not sell, redistribute, republish, or create derivative works from our materials without our written permission. 4. Acceptable Use You agree not to use the Site to: - Violate any applicable law or regulation. - Submit false or misleading information. - Attempt to gain unauthorized access to the Site, our systems, or other users' information. - Interfere with the Site's operation, or upload malicious code. - Scrape, copy, or collect Site content or user information by automated means, except as permitted by law. 5. Third-Party Links and Services The Site links to and uses third-party services, including booking (Zoho), registration forms (Jotform), and payment processing (PayPal). We are not responsible for the content, policies, or practices of third-party websites or services. Your use of them is governed by their own terms and privacy policies. 6. No Warranties The Site and its materials are provided "as is" and "as available," without warranties of any kind, express or implied, including accuracy, completeness, fitness for a particular purpose, or uninterrupted availability. We work to keep information current, but we do not warrant that Site content reflects the most recent changes in tax law. 7. Limitation of Liability To the fullest extent permitted by law, Simple Tax & Loans, LLC will not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Site or reliance on its content. Nothing in these Terms limits any liability that cannot be limited under applicable law, and nothing here changes our responsibilities to clients under a signed engagement agreement. 8. Indemnification You agree to indemnify and hold Simple Tax & Loans, LLC harmless from claims, damages, and expenses arising from your misuse of the Site or violation of these Terms. 9. Governing Law These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws rules. Any dispute relating to the Site will be brought in the state or federal courts located in Texas. 10. Changes to These Terms We may update these Terms from time to time. The current version will always be posted on this page with its effective date, and your continued use of the Site after an update means you accept the revised Terms. 11. Contact Us Simple Tax & Loans, LLC Email: info@simpletaxandloans.com Phone: 214.935.9253