"Tony turned out to be one of my very best hiring decisions. Not only was he exceptionally bright, but he also had a heart of gold that our entire team gravitated to... I saw him think through processes and problems with surprising clarity. I valued not only his insight, but his quick mastery of complex skills."

Need assistance with your taxes?

You've come to the right place!

We provide tax services for individuals, families, and small businesses.Below you can view more information about our individual and business return services, learn more about our Professional Accuracy Guarantee, and take next steps to connect with us for your tax needs.

• Personal
• Business

Bookkeeper in need of assistance?

Schedule a support session with a CPA.

Bookkeeping is challenging. Throughout the year, complicated accounting situations can pop up at any time that you may feel unsure how to address or properly record in your client's books. You came to the right place! You can get personalized support from a CPA and feel confident in your recordkeeping.To book a session:

• Submit request

Contact request

The information you provide will be used to contact you about requested content, products, or services.

Acceptable Use Policy

Last updated January 23, 2026

Welcome to Lilac Financial PLLC, an Illinois professional limited liability company ("Company", "we", "our", "ours", "us"). We operate the website lilacfinancial.org (the "Site"), as well as any other related products and services that refer or link to this Acceptable Use Policy (collectively, the "Services").This Acceptable Use Policy applies to you, whether personally or on behalf of an entity ("Client", "you", "your", "yours"), concerning any and all:

This Acceptable Use Policy ("Policy") is part of our Terms and Conditions ("Legal Terms") and must therefore be read alongside our main Legal Terms by clicking the following hyperlink: Link to Legal Terms. If you do not agree to these Legal Terms, you must stop using our Services immediately. By continuing to use our Services, you agree to be bound by these Legal Terms.We may update this Acceptable Use Policy from time to time. The updated version will be indicated by an updated 'Last updated' date at the top of the document. For material changes, we will provide notice in accordance with the 'MODIFICATIONS TO TERMS AND POLICIES' section of our Legal Terms. We encourage you to review this Policy frequently.

Use of the Services

When you use the Services, you warrant that you will comply with this Policy and with all applicable laws.You also acknowledge that you may not:

Subscriptions

If you subscribe to our Services, you understand, acknowledge, and agree that you may not, except if expressly permitted:

Consequences of breaching this policy

The consequences for violating our Policy will vary depending on the severity of the breach and the user's history on the Services. We may, in some cases, give you a warning, however, if your breach is serious or if you continue to breach our Legal Terms and this Policy, we have the right to suspend or terminate your access to and use of our Services and, if applicable, disable your account. We may also notify law enforcement or issue legal proceedings against you when we believe that there is a genuine risk to an individual or a threat to public safety, or theft/infringement of copyrighted/protected resources/information/data.We exclude our liability for all action we may take in response to any of your breaches of this Policy.

How can you contact us regarding this policy?

For legal notices and formal communication, you can contact us via email at legal @ lilacfinancial.org. For general inquiries, you can contact us by using the contact form on our website lilacfinancial.org.

Privacy Policy

Last updated January 23, 2026

Welcome to Lilac Financial PLLC, an Illinois professional limited liability company ("Company", "we", "our", "ours", "us").This Privacy Policy applies to you, whether personally or on behalf of an entity ("Client", "you", "your", "yours"), and describes how and why we might access, collect, store, use, and/or share ("process") your personal information when you use our services ("Services"), including when you:

Reading this Privacy Policy will help you understand your privacy rights and choices. We are responsible for making decisions about how your personal information is processed.Information collected by us during the application for or rendering of our Services are also governed by our Privacy and Opt-Out Notice. Please reference this document for additional details on our privacy practices.If you have questions or comments about this Privacy Policy, wish to exercise your data privacy rights, or need to send us formal communication, you can contact us via email at legal @ lilacfinancial.org. For general inquiries, you can contact us by using the contact form on our website lilacfinancial.org.This Privacy Policy ("Policy") is part of our Terms and Conditions ("Legal Terms") and must therefore be read alongside our main Legal Terms by clicking the following hyperlink: Link to Legal Terms. If you do not agree to these Legal Terms, you must stop using our Services immediately. By continuing to use our Services, you agree to be bound by these Legal Terms.If you do not agree with our policies and practices, please do not use our Services.

Summary of key points

This summary provides key points from our Privacy Policy, but you can find out more details about any of these topics by using our table of contents below to find the section you are looking for.

Notice regarding tax return information

Our handling of "Tax Return Information" (any information furnished for, or in connection with, the preparation of a tax return) is strictly governed by Internal Revenue Code Section 7216 and professional ethics standards.

Table of contents

1. WHAT INFORMATION DO WE COLLECT?

Personal information you disclose to us

In short: We collect personal information that you provide to us to ensure Service delivery.We collect personal information that you voluntarily provide to us when you express an interest in obtaining information about us or our products and Services, when you participate in activities on the Services, or otherwise when you contact us.Personal information provided by you. The personal information that we collect depends on the context of your interactions with us and the Services, the choices you make, and the products and features you use. The personal information we collect may include the following:

All personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes to such personal information.Sensitive information. With your affirmative consent or as otherwise permitted by applicable law, we process government Identifiers (including social security numbers, employer identification numbers or tax identification numbers, and driver's license or other government-issued ID numbers for identity verification and tax filing), sensitive financial data (such as tax returns, tax supporting schedules and documents, and accounting records), and protected classification characteristics (such as gender, age, and date of birth). We do not use this sensitive information for profiling or purposes outside of providing accounting Services you have requested. To protect your data, we maintain a Written Information Security Plan (WISP) that includes provisions for mandatory multi-factor authentication (MFA), encryption, and access controls.Payment processors. All payment data is handled by our third-party processors. We do not store your full payment instrument information on our servers. Your use of these payment features is subject to the respective processor’s policies and terms of use. The privacy policies for our primary processors can be found on their respective platforms or websites, and we will provide specific links to any processor upon your written request.

Information collected from other sources

In short: We may collect information from public databases, government agencies, third party tools/platforms, banks and financial institutions, and other outside sources. In order to enhance our ability to provide relevant Services to you, update our records, and ensure accounting accuracy, we may obtain information about you from these other sources. This information includes names, addresses, job titles, email addresses, phone numbers, financial records, and other data provided by a third-party to verify financial records and render Services.

2. HOW DO WE PROCESS YOUR INFORMATION?

In short: We process your information to administer our Services, ensure accounting accuracy, communicate with you, comply with legal obligations, and for security and fraud prevention. We may also process your information for other purposes with your affirmative consent.We process your personal information for a variety of reasons, depending on how you interact with our Services, including:

3. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?

In short: We may share information in specific situations described in this section and/or with the following categories of trusted third parties to run our business. We do not sell your personal information, nor do we share it for cross-context behavioral advertising.Vendors, consultants, and other third-party service providers. We may share your data with third-party vendors, service providers, contractors, or agents who perform Services for us or on our behalf and require access to such information to do that work.As our business is recently established, we have not disclosed personal information to third parties in the preceding 12 months for a business purpose; additionally, we have not sold or shared personal information for cross-context behavioral advertising in the preceding 12 months. We intend to share information with the following categories of service providers to fulfill our services:

We also may need to share your personal information in the following situations:

4. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?

In short: We do not use non-essential cookies or other tracking technologies to collect and store your information.We do not use non-essential cookies or third-party tracking pixels on our website. We may use 'strictly necessary' local storage to maintain the security and basic functionality of the Services (e.g., keeping you logged in). Because these are essential for the Service you requested, they do not require an opt-out.

5. HOW LONG DO WE KEEP YOUR INFORMATION?

In short: We keep your information for as long as necessary to fulfill the purposes outlined in this Privacy Policy unless otherwise required by law. Specifically, we maintain most financial and accounting records for a minimum of seven (7) years to comply with federal and state tax statutes.We will only keep your personal information for as long as it is necessary for the purposes set out in this Privacy Policy, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements). No purpose in this notice will require us keeping your personal information for longer than as required by federal, state, and local regulations.When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.

6. HOW DO WE KEEP YOUR INFORMATION SAFE?

In short: We aim to protect your personal information through a system of organizational and technical security measures.We have implemented appropriate and reasonable technical and organizational security measures designed to protect the security of any personal information we process. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. Although we will do our best to protect your personal information, transmission of personal information to and from our Services is at your own risk. You should only access the Services within a secure environment. Detailed protocols regarding our use of multi-factor authentication and encryption are outlined in our Written Information Security Plan (WISP).

7. DO WE COLLECT INFORMATION FROM MINORS?

In short: We do not market to children under 18, and only collect their data through parental or legal guardian engagement.We do not knowingly solicit data from or market to children under 18 years of age, nor do we knowingly sell such personal information. For minors for whom we provide professional tax or accounting Services, all personal information is collected solely from the parent or legal guardian or with their express verifiable consent. If we learn that personal information has been collected from a minor without the involvement or consent of a parent or guardian, we will deactivate the account and promptly delete such data.

8. WHAT ARE YOUR PRIVACY RIGHTS?

In short: You may review, change, or terminate your account at any time, depending on your country, province, or state of residence.Withdrawing your consent: If we are relying on your consent to process your personal information, you have the right to withdraw it at any time. You can withdraw your consent at any time by contacting us by using the contact details provided in the section "HOW CAN YOU CONTACT US ABOUT THIS NOTICE?" below. However, please note:

Cookies and similar technologies: Most Web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies. If you choose to remove cookies or reject cookies, this could affect certain features of our Services.If you have questions or comments about your privacy rights, you may contact us via email at legal @ lilacfinancial.org, or by using the contact form on our website: lilacfinancial.org.

9. CONTROLS FOR DO-NOT-TRACK FEATURES

In short: We do not track your activity across third-party websites or use non-essential tracking technologies, so automated privacy signals typically do not apply to our Services.Global Privacy Control (GPC): We do not sell or share your personal information for cross-context behavioral advertising, nor do we use non-essential cookies or tracking pixels. Consequently, while our website is configured to respect Global Privacy Control (GPC) signals, these signals do not currently trigger any change in our data practices because no such tracking or sharing occurs by default.Do-Not-Track (DNT): While some browsers or operating systems offer a DNT feature, there is no uniform industry standard for how these signals are implemented. As such, we do not currently respond to DNT browser signals. If a standard for DNT is adopted in the future, we will update this Privacy Policy accordingly.

10. DO UNITED STATES RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?

In short: If you are a resident of certain states or territories, you may have the right to request access to and receive details about the personal information we maintain about you and how we have processed it, correct inaccuracies, get a copy of, or delete your personal information. You may also have the right to withdraw your consent to our processing of your personal information. These rights may be limited in some circumstances by applicable law. More information is provided below.

Categories of personal information we collect

As our business is recently established, we have not collected any personal information in the preceding twelve (12) months. The table below shows the categories of personal information we intend to collect upon our launch. The table includes illustrative examples of each category and does not reflect the personal information we collect from you. For a comprehensive inventory of all personal information we process, please refer to the section "WHAT INFORMATION DO WE COLLECT?".

We only collect sensitive personal information, as defined by applicable privacy laws or the purposes allowed by law or with your consent. Sensitive personal information may be used, or disclosed to a service provider or contractor, for additional, specified purposes. You may have the right to limit the use or disclosure of your sensitive personal information. We do not collect or process sensitive personal information for the purpose of inferring characteristics about you.We may also collect other personal information outside of these categories through instances where you interact with us in person, online, or by phone or mail in the context of:

We will use and retain the collected personal information as needed to provide the Services or for as long as required by federal, state, and local regulations.Note on Biometric Information. We utilize third-party service providers that may allow for biometric authentication (e.g., Face ID, Touch ID). While our Services facilitate the capture of this information for secure access, we do not store your raw biometric data on our own servers. The processing and storage of such data are governed by your device's security settings and the third-party service provider's privacy policies.

Sources of personal information

Learn more about the sources of personal information we collect in "WHAT INFORMATION DO WE COLLECT?".

How we use and share personal information

Learn more about how we use your personal information in the section, "HOW DO WE PROCESS YOUR INFORMATION?".We do not sell your personal information. We do not use third-party targeting cookies, marketing cookies, beacons, or pixels to share your data with advertisers. We may use your personal information for our own business purposes, such as internal research for service development, which is not considered "selling" under applicable law.

Will your information be shared with anyone else?

We may disclose your personal information with our service providers pursuant to a written contract between us and each service provider. Learn more about how we disclose personal information in the section, "WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?".We have not sold or shared any personal information to third parties for a business or commercial purpose in the preceding twelve (12) months.The categories of third parties to whom we disclosed personal information for a business or commercial purpose can be found under "WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?".

Your rights

You have rights under certain US state data protection laws. However, these rights are not absolute, and in certain cases, we may decline your request as permitted by law. These rights include:

In accordance with the Illinois Personal Information Protection Act (PIPA) and the FTC Safeguards Rule, we maintain reasonable security measures to protect your sensitive data, and we will notify you of any qualifying security breach as expediently as possible and without unreasonable delay.

How to exercise your rights

To exercise these rights, you can contact us via email at legal @ lilacfinancial.org, or by using the contact form on our website: lilacfinancial.org.Under certain US state data protection laws, you can designate an authorized agent to make a request on your behalf. We may deny a request from an authorized agent that does not submit proof that they have been validly authorized to act on your behalf in accordance with applicable laws.

Request verification

Upon receiving your request, we will need to verify your identity to determine you are the same person about whom we have the information in our system. We will only use personal information provided in your request to verify your identity or authority to make the request. However, if we cannot verify your identity from the information already maintained by us, we may request that you provide additional information for the purposes of verifying your identity and for security or fraud-prevention purposes.If you submit the request through an authorized agent, we may need to collect additional information to verify your identity before processing your request and the agent will need to provide a written and signed permission from you to submit such request on your behalf.

11. DO WE MAKE UPDATES TO THIS NOTICE?

In short: Yes, we will update this notice as necessary to stay compliant with relevant laws.We may update this Privacy Policy from time to time. The updated version will be indicated by an updated 'Last updated' date at the top of the document. For material changes, we will provide notice in accordance with the 'MODIFICATIONS TO TERMS AND POLICIES' section of our Legal Terms. We encourage you to review this Privacy Policy frequently to be informed of how we are protecting your information.

12. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?

Based on the applicable laws of your country or state of residence in the US, you may have the right to request access to the personal information we collect from you, details about how we have processed it, correct inaccuracies, or delete your personal information. You may also have the right to withdraw your consent to our processing of your personal information. These rights may be limited in some circumstances by applicable law. To request to review, update, or delete your personal information, please contact us via email at legal @ lilacfinancial.org, or by using the contact form on our website: lilacfinancial.org.

Terms and Conditions

Last updated January 26, 2026

Welcome to Lilac Financial PLLC, an Illinois professional limited liability company ("Company", "we", "our", "ours", "us").These Terms and Conditions ("Legal Terms") constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("Client", "you", "your", "yours"), and the Company, concerning any and all products and services offered by the Company (collectively, the "Services"), and your access to and use of the Services, including the website lilacfinancial.org (the "Site").You agree that by accessing or using any of our Services, you have read, understood, and agreed to be bound by all of these Legal Terms. IF YOU DO NOT AGREE WITH ALL OF THESE LEGAL TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICES AND YOU MUST DISCONTINUE USE IMMEDIATELY.For legal notices and formal communication, you can contact us via email at [email protected]. For general inquiries, you can contact us by using the contact form on our website lilacfinancial.org.The Services are intended for users who are at least eighteen (18) years old. If you are under the age of eighteen (18), you may only use the Services with the express involvement and legal consent of a parent or guardian who agrees to be bound by these Legal Terms on your behalf.We recommend that you print a copy of these Legal Terms for your records.

Table of contents

1. OUR SERVICES

The information provided when using the Services is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation, or which would subject us to any additional registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Services from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.Industry-specific regulations may require Services to be tailored to comply with the regulations, including, but not limited to, the Health Insurance Portability and Accountability Act (HIPAA) and the Federal Information Security Management Act (FISMA). The Services may not be tailored to comply with all industry-specific regulations. If your interactions would be subjected to such laws, you must disclose this prior to Services being rendered to ensure Services are tailored to comply with applicable industry-specific regulations. If Services are not tailored to comply with applicable industry-specific regulations, you may not use the Services. You may not use the Services in a way that would violate the Gramm-Leach-Bliley Act (GLBA).We provide professional services for minors (e.g. individual tax returns, dependent filings) only as part of a family or guardianship engagement where a parent or legal guardian is the primary contracting party.

2. INTELLECTUAL PROPERTY RIGHTS

Our intellectual property

We are the owner or the licensee of all intellectual property rights in our Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics in the Services (collectively, the "Content"), as well as the trademarks, service marks, and logos contained therein (the "Marks").Our Content and Marks are protected by copyright and trademark laws (and various other intellectual property rights and unfair competition laws) and treaties in the United States and around the world, as applicable and/or registered.The Content and Marks are provided in or through the Services "AS IS" for your personal, non-commercial use or internal business purpose only.

Your use of our Services

Subject to your compliance with these Legal Terms, including the "PROHIBITED ACTIVITIES" section below, we grant you a non-exclusive, non-transferable, revocable license to:

Except as set out in this section or elsewhere in our Legal Terms, no part of the Services and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.You acknowledge that proprietary information, documents, materials, management techniques and other intellectual property are a material source of the Services we perform and were developed prior to our association with you. Any new forms, software, documents or intellectual property we develop during rendered Services for your use shall belong to us, and you shall have the limited right to use them solely within your business. All reports, templates, manuals, forms, checklists, questionnaires, letters, agreements and other documents which we made and provided to you are confidential and proprietary to us. Any improvements or modifications to our proprietary methodologies or templates based on your feedback shall remain our sole property. Neither you, nor any of your agents, will copy, electronically store, reproduce or make available to anyone other than your personnel any such documents. This provision will apply to all materials whether in digital, "hard copy" format or other medium.If you wish to make any use of the Services, Content, or Marks other than as set out in this section or elsewhere in our Legal Terms, please submit your request by contacting us via email at
legal @ lilacfinancial.org or via the contact form on our website lilacfinancial.org. If we ever grant you the permission to post, reproduce, or publicly display any part of our Services or Content, you must identify us as the owners or licensors of the Services, Content, or Marks and ensure that any copyright or proprietary notice appears or is visible on posting, reproducing, or displaying our Content.We reserve all rights not expressly granted to you in and to the Services, Content, and Marks.Any breach of these Intellectual Property Rights will constitute a material breach of our Legal Terms and your right to use our Services will terminate immediately.

Your public Feedback and suggestions

Feedback: By directly sending us any question, comment, suggestion, idea, feedback, or other information about the Services ("Feedback"), you agree to assign to us all intellectual property rights in such Feedback. You agree that we shall own this Feedback and be entitled to its unrestricted use and dissemination for any lawful purpose, commercial or otherwise, without acknowledgment or compensation to you.You are responsible for what you post or upload. By sending us Feedback through any part of the Services, you:

You are solely responsible for your Feedback and you expressly agree to reimburse us for any and all losses that we may suffer because of your breach of (a) this section, (b) any third party's intellectual property rights, or (c) applicable law.

3. USER REPRESENTATIONS

By using the Services, you represent and warrant that: (1) you have the legal capacity and you agree to comply with these Legal Terms; (2) you are not a minor in the jurisdiction in which you reside OR you are the parent or legal guardian of a minor for whom Services are being sought and you have the legal authority to bind said minor to these Legal Terms; (3) you will not access the Services through automated or non-human means, whether through a bot, script or otherwise; (4) you will not use the Services for any illegal or unauthorized purpose; and (5) your use of the Services will not violate any applicable law or regulation.If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Services (or any portion thereof). We also accept no liability for Services rendered with any provided information that is untrue, inaccurate, not current, or incomplete, or in violation of the law or the user representation conditions listed above.

4. PURCHASES AND PAYMENT

Payment methods

We accept various payment methods as indicated at the time of purchase or on our invoices. These may include major credit cards, bank transfers, physical or electronic checks, or other payment options. When you provide a check as payment, you authorize us to use information from that check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction.

Third-party payment processing

We utilize third-party payment processors to facilitate secure transactions. By choosing a payment method, you acknowledge that your transaction will be processed by these third parties and agree to be bound by the applicable legal terms and policies of the processor(s) used to complete your transaction. You acknowledge that we do not own or control these platforms and that your financial data is handled in accordance with the respective processor’s privacy and security policies. We are not responsible for any errors, delays, or security breaches occurring within a third-party payment processor's infrastructure.

Updating payment information

You agree to provide current, complete, and accurate purchase and account information for all purchases made via the Services. You further agree to promptly update account and payment information, including email address, payment method, and payment card expiration date, so that we can complete your transactions and contact you as needed. Sales tax will be added to the price of purchases as deemed required by us. We may change prices at any time. All payments shall be in US dollars.

Balances due at time of payment

You agree to pay all charges at the prices then in effect for your purchases and any applicable shipping fees or sales taxes, and you authorize us to charge your chosen payment provider for any such amounts upon placing your order. You also agree to pay any out-of-pocket costs required to render Services. We reserve the right to correct any errors or mistakes in pricing, even if we have already requested or received payment. Payment is due upfront before Services are rendered. Services will not be rendered until payment is successfully collected from you for the full amount due.If you make a payment by check, we do not waive our right to collect the full balance due by cashing a check marked with 'paid in full' or similar restrictive language. Any such notations are for your administrative purposes only and do not constitute a legal agreement to settle for a lesser amount.

Failed payments and re-initiation

If an ACH transaction is returned for non-sufficient funds, you authorize us to re-initiate the debit up to two (2) additional times in accordance with NACHA Operating Rules. You understand that your financial institution may assess its own fees for such failed attempts. You agree to pay a liquidated damages amount not to exceed the maximum amounts permissible by law, for each failed attempt, which is intended to cover our administrative costs and any third-party bank charges, for which you are solely responsible.If a debit or credit card transaction is declined or fails for any reason (including non-sufficient funds for a debit card), we may attempt to re-process the charge in accordance with card network rules. You agree to promptly provide an alternative payment method, if necessary, to ensure payment is received by the time it is due.For any check returned for non-sufficient funds (NSF) or stopped payment, you agree to pay a returned item fee of $40, or the maximum amount permitted by law in your jurisdiction, in addition to the original balance due.

Right to refuse orders

We reserve the right to refuse any order placed through the Services. We may, in our sole discretion, limit or cancel quantities purchased per person, per household, or per order. These restrictions may include orders placed by or under the same customer account, the same payment method, and/or orders that use the same billing or shipping address. We reserve the right to limit or prohibit orders that, in our sole judgment, appear to be placed by dealers, resellers, or distributors.

5. SUBSCRIPTIONS

Billing and renewal

For recurring service subscriptions, your subscription will continue and automatically renew unless canceled. You consent to our charging your payment method on a recurring basis without requiring your prior approval for each recurring charge, until such time as you cancel the applicable service. The length of your billing cycle is specified in the corresponding client service contract. Prior to charging your payment method, we will send an invoice detailing the charges to be billed to your payment method, which would include the recurring service charges as well as any out-of-pocket costs incurred to render Services during the period of service.

Payment authorization

You hereby authorize us to automatically charge your designated credit card or bank account (via ACH) for all recurring fees, variable liquidated damage amounts, and any other amounts due under any associated service agreements. This authorization covers the fees and out-of-pocket costs as outlined in associated service agreements, and any additional liquidated damages levied per those agreements. You understand that the total amount charged each period may vary based on the Services rendered and any applicable out-of-pocket costs. You agree to maintain valid and current payment information on file and understand that failure to do so may result in suspension of Services.

Fee changes

We may, from time to time, make changes to the subscription fee and will communicate any price changes to you in accordance with applicable law.

6. RETURN POLICY

SUBJECT TO THE PROVISIONS OF ELECTIVE WITHDRAWAL OR TERMINATION OF AN ACTIVE CLIENT ENGAGEMENT NOT DUE TO A BREACH EVENT PER THE SUBSECTION "Active Client Engagements" OF SECTION "TERM AND TERMINATION", ALL SALES ARE FINAL AND NO REFUNDS WILL BE ISSUED.

7. PROHIBITED ACTIVITIES

You may not access or use the Services for any purpose other than that for which we make the Services available. The Services may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.As a user of the Services, you agree not to:

8. USER GENERATED CONTRIBUTIONS

We may provide you with the opportunity to create, submit, or post public content on our website, blogs, or social media platforms (collectively, "Contributions").Contributions do not include non-public financial records, tax documents, bookkeeping data, or any other sensitive information provided to us for the purpose of rendering Services.Contributions may be viewable by other users of the Services and through third-party websites (such as search engines). As such, any Contributions you transmit may be treated as non-confidential and non-proprietary. When you create or make available any Contributions, you thereby represent and warrant that:

Any Contributions in violation of the foregoing violates these Legal Terms and may result in, among other things, termination or suspension of your rights to use the Services.

9. CONTRIBUTION LICENSE

You and Services agree that we may access, store, process, and use any information and personal data that you provide following the terms of the Privacy Policy and your choices (including settings).By submitting suggestions or other feedback regarding the Services, you agree that we can use and share such feedback for any purpose without compensation to you.We do not assert any ownership over your Contributions. You retain full ownership of all of your Contributions and any intellectual property rights or other proprietary rights associated with your Contributions. We are not liable for any statements or representations in your Contributions provided by you in any area on the Services. You are solely responsible for your Contributions to the Services and you expressly agree to exonerate us from any and all responsibility and to refrain from any legal action against us regarding your Contributions.

10. THIRD-PARTY WEBSITES AND CONTENT

The Services may contain (or you may be sent via the Site) links to other websites ("Third-Party Websites") as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content or items belonging to or originating from third parties ("Third-Party Content"). Such Third-Party Websites and Third-Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third-Party Websites accessed through the Services or any Third-Party Content posted on, available through, or installed from the Services, including the content, accuracy, offensiveness, opinions, reliability, privacy practices, or other policies of or contained in the Third-Party Websites or the Third-Party Content.Inclusion of, linking to, or permitting the use or installation of any Third-Party Websites or any Third-Party Content does not imply approval or endorsement thereof by us. If you decide to leave the Services and access the Third-Party Websites or to use or install any Third-Party Content, you do so at your own risk, and you should be aware these Legal Terms no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any website to which you navigate from the Services or relating to any applications you use or install from the Services. Any purchases you make through Third-Party Websites will be through other websites and from other companies, and we take no responsibility whatsoever in relation to such purchases which are exclusively between you and the applicable third party. You agree and acknowledge that we do not endorse the products or services offered on Third-Party Websites and you shall hold us blameless from any harm caused by your purchase of such products or services. Additionally, you shall hold us blameless from any losses sustained by you or harm caused to you relating to or resulting in any way from any Third-Party Content or any contact with Third-Party Websites.

11. SERVICES MANAGEMENT

We reserve the right, but not the obligation, to: (1) monitor the Services for violations of these Legal Terms; (2) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Legal Terms, including without limitation, reporting such user to law enforcement authorities; (3) in our sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any of your Contributions or any portion thereof; (4) in our sole discretion and without limitation, notice, or liability, to remove from the Services or otherwise disable all files and content that are excessive in size or are in any way burdensome to our systems; and (5) otherwise manage the Services in a manner designed to protect our rights and property and to facilitate the proper functioning of the Services.

Client portal

We utilize a third-party secure portal for the delivery and exchange of client documents and submissions in order to render Services. To ensure data security, all sensitive documents containing Personally Identifiable Information (PII) must be uploaded exclusively through the secure portal. We are not responsible for the security of any sensitive information transmitted to us via unencrypted email. This portal is a delivery mechanism, not a long-term storage solution. You are responsible for downloading and securing your own copies of all deliverables. You acknowledge that we do not own or control the portal's infrastructure.Your use of this portal is subject to the provider’s policies and terms, including those regarding user conduct, required security measures (e.g., multi-factor authentication), and acceptable use. By using this portal, you agree to comply with their policies and terms, including provisions to safeguard your data.

12. PRIVACY POLICY

We care about data privacy and security. You may review our Privacy Policy by clicking this hyperlink Link to Privacy Policy, which is incorporated by reference into these Legal Terms. If a copy of the Privacy Policy was provided with your service agreement, contract, or at the time of account creation, booking, purchase, or intake, that specific copy shall govern and prevail over the version of the Privacy Policy hosted on our website lilacfinancial.org, and any subsequent updates will be provided to you in accordance with section "MODIFICATIONS TO TERMS AND POLICIES" of these Legal Terms. By using the Services, you agree to be bound by our Privacy Policy.Please be advised the Services are hosted in the United States. If you access the Services from any other region of the world with laws or other requirements governing personal data collection, use, or disclosure that differ from applicable laws in the United States, then through your continued use of the Services, you are transferring your data to the United States, and you expressly consent to have your data transferred to and processed in the United States.

13. ACCEPTABLE USE POLICY

You may review our Acceptable Use Policy by clicking this hyperlink Link to Acceptable Use Policy, which is incorporated by reference into these Legal Terms. If a copy of the Acceptable Use Policy was provided with your service agreement, contract, or at the time of account creation, booking, purchase, or intake, that specific copy shall govern and prevail over the version of the Acceptable Use Policy hosted on our website lilacfinancial.org, and any subsequent updates will be provided to you in accordance with section "MODIFICATIONS TO TERMS AND POLICIES" of these Legal Terms. By using the Services, you agree to comply with our Acceptable Use Policy.

14. TERM AND TERMINATION

These Legal Terms shall remain in full force and effect while you use the Services. WITHOUT LIMITING ANY OTHER PROVISION OF THESE LEGAL TERMS, we reserve the right, subject to the specific provisions regarding the suspension or termination of an Active Client Engagement, in our sole discretion and without notice or liability: deny access to and use of the Services (including blocking certain IP addresses) to any person for any reason or for no reason, including without limitation for breach of any representation, warranty, or covenant contained in these Legal Terms or of any applicable law or regulation, and to terminate your use or participation in the Services or delete any content or information that you posted at any time, without warning, at our sole discretion.If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress.

Active Client Engagements

"Active Client Engagement" means a business relationship between you and us that is governed by a separate, validly executed client service agreement for which Services are currently being performed or outstanding fees are due.We reserve the right to immediately suspend or terminate your participation in the Services and any associated agreements related to an Active Client Engagement or withdraw from completing Services related to an Active Client Engagement, without prior notice or refund for any pre-paid fees, for reasons including: your non-payment of all fees due at time of immediate termination; your failure to comply with these Legal Terms or the client services agreement; behavior by you that violates applicable laws or professional ethical standards; your engagement in illegal activities, fraud, or willful misconduct, or our reasonable suspicion of such activities by you; or if professional standards otherwise require our withdrawal ("Breach Events").

We reserve the right to electively withdraw from an Active Client Engagement or terminate Services for any reason other than a Breach Event upon providing you with at least fifteen (15) days of a written notice period and a pro-rata refund of any prepaid fees for Services not rendered by the end of the notice period.

Missed deadlines in the case of suspension, termination, or denial of service

Furthermore, you agree that we will not be responsible for your failure to meet any deadlines (whether the deadlines are set by us, a third party, or government agency) or for any liability, penalties, or interest that may be assessed against you resulting from your failure to meet such deadlines, even in the case of suspension, termination, or denial of service.

15. MODIFICATIONS AND INTERRUPTIONS

We reserve the right to change, modify, or remove the contents of the Services at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Services. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Services.We cannot guarantee the Services will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Services, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Services at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Services during any downtime or discontinuance of the Services. Nothing in these Legal Terms will be construed to obligate us to maintain and support the Services or to supply any corrections, updates, or releases in connection therewith.

16. GOVERNING LAW

These Legal Terms and your use of the Services are governed by and construed in accordance with the laws of the State of Illinois applicable to agreements made and to be entirely performed within the State of Illinois, without regard to its conflict of law principles.

17. DISPUTE RESOLUTION

Informal negotiations

To expedite resolution and control the cost of any dispute, controversy, or claim related to these Legal Terms, any other contract or agreement between the Parties, or the professional relationship created hereby (each a "Dispute" and collectively, the "Disputes") brought by either you or us (individually, a "Party" and collectively, the "Parties"), the Parties agree to first attempt to negotiate any Dispute (except those Disputes expressly provided below) informally for at least thirty (30) days before initiating mediation or any formal legal proceeding. Such informal negotiations commence upon written notice from one Party to the other Party.

Non-binding mediation

If the Dispute cannot be resolved through informal negotiations, the Parties agree to attempt to resolve the Dispute through non-binding mediation before resorting to litigation.

Formal legal proceedings

Any legal action or proceeding shall be brought exclusively in the state or federal courts located in Cook County, Illinois. The Parties hereby consent to the personal jurisdiction and venue of such courts and waive any defense of lack of personal jurisdiction or forum non conveniens.

Class action waiver

ANY DISPUTE RESOLUTION PROCEEDINGS, WHETHER IN MEDIATION OR COURT, WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. Each Party may bring claims against the other Party only in its individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. Further, unless both Parties agree otherwise, a court may not consolidate more than one claim with your claims, and may not otherwise preside over any form of a representative or class proceeding.

Jury waiver

EACH PARTY HEREBY IRREVOCABLY WAIVES, TO THE FULLEST EXTENT PERMITTED BY LAW, ANY RIGHT TO A TRIAL BY JURY IN ANY DISPUTE ARISING OUT OF THESE LEGAL TERMS OR THE SERVICES.

Limitation on time to commence a Dispute

In no event shall any Dispute be commenced more than one (1) year after the cause of action arose.

18. ATTORNEY’S FEES

In the event of any litigation, arbitration, or other dispute resolution arising from these Legal Terms, the prevailing Party shall be entitled to recover their reasonable attorney's fees and costs incurred.

19. CORRECTIONS

There may be information on the Services that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Services at any time, without prior notice.

20. REVIEW AND ACCEPTANCE OF REPORTS AND SERVICES

We may provide you with various reports (e.g., Balance Sheet, Profit & Loss) as an output of the Services. You have fifteen (15) days from the date a report is delivered to you by hand, mail, or email, to notify us in writing of any errors or discrepancies within the report. If no written objection is received within this period, the report and the underlying Services shall be deemed final, accurate, and accepted by you. Once accepted or deemed accepted, we have no obligation to modify the reports for that period, and you waive any claims for errors that could have been reasonably discovered during the review period. Your acceptance of reports does not relieve you of your primary responsibility for the accuracy of your own financial records and the detection of fraud.

21. DISCLAIMER

THE COMPANY DOES NOT GUARANTEE ANY SPECIFIC FINANCIAL OUTCOME, TAX SAVINGS, OR AUDIT RESULT. THE SERVICES ARE PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICES AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SERVICES' CONTENT OR THE CONTENT OF ANY WEBSITES OR MOBILE APPLICATIONS LINKED TO THE SERVICES AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SERVICES, (3) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SERVICES, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SERVICES BY ANY THIRD PARTY, AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SERVICES. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SERVICES, ANY HYPERLINKED WEBSITE, OR ANY WEBSITE OR MOBILE APPLICATION FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.

22. LIMITATIONS OF LIABILITY

IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO US DURING THE TWELVE (12) MONTH PERIOD PRIOR TO ANY CAUSE OF ACTION ARISING. IN THE EVENT THAT APPLICABLE LAW DOES NOT PERMIT THE LIMITATION OF LIABILITY AS SET FORTH HEREIN, THE PARTIES AGREE THAT THE COMPANY’S TOTAL LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY SUCH LAW.CERTAIN US STATE LAWS AND INTERNATIONAL LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.

23. INDEMNIFICATION

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys' fees and expenses, made by any third party due to or arising out of: (1) use of the Services; (2) breach of these Legal Terms; (3) any breach of your representations and warranties set forth in these Legal Terms; (4) your violation of the rights of a third party, including but not limited to intellectual property rights; (5) your inability to meet a deadline established by a third party as a result of your failure to provide accurate, complete, and timely information or submissions; (6) your business operations, products, or services; (7) our reliance on information provided by you that is inaccurate or incomplete; or (8) any overt harmful act toward any other user of the Services with whom you connected via the Services.We shall indemnify, defend, and hold you harmless from and against any claims, losses, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of gross negligence or willful misconduct by us in the performance of the Services.The indemnified Party shall promptly notify the indemnifying Party in writing of any claim. The indemnifying Party shall have sole control of the defense and settlement negotiations, provided such settlement does not admit fault or liability on the part of the indemnified Party without their prior written consent. The indemnified Party shall provide reasonable cooperation (at the indemnifying Party's expense) in the defense of such a claim.

24. USER DATA

We will maintain certain data that you transmit to the Services for the purpose of managing the performance of the Services, as well as data relating to your use of the Services. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Services. You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data.

25. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES

Visiting the Services, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Services, satisfy any legal requirement that such communication be in writing. You agree that any electronic signature is intended to authenticate a written signature, shall be valid, and shall have the same force and effect as a manual signature. For purposes hereof, "electronic signature" includes, but is not limited to, a scanned copy of a manual signature, an electronic copy of a manual signature affixed to a document, a signature incorporated into a document utilizing touchscreen capabilities, or a digital signature. YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SERVICES. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.

26. CALIFORNIA USERS AND RESIDENTS

If any complaint with us is not satisfactorily resolved, you can contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834 or by telephone at (800) 952-5210.

27. ELECTRONIC DATA COMMUNICATION AND STORAGE

In the interest of facilitating our Services to you, we may send data over the Internet, store electronic data via computer software applications hosted remotely on the Internet, or utilize cloud-based storage. Your confidential electronic data may be transmitted or stored using these methods. In using these data communication and storage methods, we employ measures designed to maintain data security. We use reasonable efforts to keep such communications and electronic data secure in accordance with our obligations under applicable laws, regulations, and professional standards.You recognize and accept that we have no control over the unauthorized interception or breach of any communications or electronic data once it has been transmitted or if it has been subject to unauthorized access while stored, notwithstanding all reasonable security measures employed by us. You consent to our use of these electronic devices and applications during Services rendered to you.

28. THIRD-PARTY SERVICE PROVIDERS OR SUBCONTRACTORS

In the interest of enhancing our availability to meet your professional service needs while maintaining service quality and timeliness, we may use a third-party service provider to assist us. This may include provision of your confidential information to the third-party service provider. We require our third-party service providers to have established procedures and controls designed to protect client confidentiality and maintain data security. As the paid provider of Services, we remain responsible for exercising reasonable care in providing such Services, and our work product will be subjected to our customary quality control standards.By accepting the Legal Terms of our Services, you are providing your consent and authorization to disclose your confidential information to a third-party service provider, if such disclosure is necessary to deliver Services or provide support services to us.

29. DELEGATION

When agreeing to perform Services for you, we will issue a separate client service agreement to clarify scope of work performed. We are not required to provide Services beyond the scope of work clarified in the client service agreement. We are not responsible for any data that is modified, added, or deleted by you or a third party directed by you which directly or indirectly impacts areas covered by the scope of work, as dictated by the corresponding client service agreement. We are not responsible for any errors, data loss, or project delays resulting from any modifications or edits made by you or a third party directed by you within any of the areas of scope of work as dictated by the corresponding client service agreement. You agree to collaborate and communicate effectively with us during the rendering of Services, including proactive communication of any edits or modifications made to areas covered by the scope of work as dictated by the corresponding client service agreement.

30. CONFIDENTIALITY

Acknowledgment of professional obligation

We acknowledge our professional obligation to maintain the utmost confidence regarding all non-public information obtained from you. This obligation is governed by professional standards, including the AICPA Code of Professional Conduct, state board of accountancy regulations, the Internal Revenue Code, and federal laws.

Scope of confidential information

"Confidential Information" includes all non-public records, financial data, tax information, client lists, proprietary business information, and oral communications provided by you to us.

Nondisclosure and permitted use

We agree not to disclose Confidential Information to third parties or use it for any purpose other than providing agreed-upon Services, except as provided below. We will exercise a reasonable standard of care to protect Confidential Information from unauthorized use or disclosure.

Exceptions and permitted disclosures

The obligation of confidentiality shall not apply to information that:

Necessary operational disclosures

You agree to disclosures made in the normal course of our business, including:

Return/retention of records

Upon termination of Services, we will return all of your original records and documents provided to us by the conclusion of the Services. Your records are the primary records for your operations and comprise the backup and support for your work product. Our copies of your records and documents are not a substitute for your own records, and do not mitigate your record retention obligations under any applicable laws or regulations.Our internal workpapers, analyses, proprietary methodologies, and other supporting documentation ("Workpapers") are our property and will remain in our control, regardless of whether a copy is shared with the client. Workpapers do not include your source documents, nor do they include standard financial reports, general ledgers, or data extracts produced from the accounting, payroll, or other systems that contain source data belonging to the client. Copies of Workpapers are not to be distributed without your written request and our prior written consent. Our workpapers will be maintained by us in accordance with any applicable legal and regulatory requirements. We destroy workpaper files after a period of seven (7) years, or after the mandatory retention period required by any applicable legal and regulatory requirements, whichever is longer. Catastrophic events or physical deterioration may result in damage to or destruction of our copies of your records or Workpapers, causing the copies of your records or Workpapers to be unavailable before the expiration of the retention period as stated previously.

Workpaper access requests by regulators and others

State, federal and foreign regulators may request access to or copies of certain Workpapers pursuant to applicable legal or regulatory requirements. Requests also may arise with respect to peer review, an ethics investigation, the sale of your organization, or the sale of our business. If requested, access to such Workpapers will be provided under the supervision of our personnel. Regulators may request copies of selected Workpapers to distribute the copies or information contained therein to others, including other governmental agencies.If we receive a request for copies of selected Workpapers, provided that we are not prohibited from doing so by applicable laws or regulations, we agree to inform you of such request as soon as practicable. You may, within the time permitted for us to respond to any request, initiate such legal action as you deem appropriate, at your sole expense, to attempt to limit the disclosure of information. If you take no action within the time permitted for us to respond, or if your action does not result in a judicial order protecting us from supplying requested information, we may construe your inaction or failure as consent to comply with the request.

Summons or subpoenas

All information you provide to us in connection with rendered Services will be maintained by us on a strictly confidential basis.If we receive a summons or subpoena which our legal counsel determines requires us to produce documents from Services rendered to you or testify about Services rendered to you, provided that we are not prohibited from doing so by applicable laws or regulations, we agree to inform you of such summons or subpoena as soon as practicable. You may, within the time permitted for us to respond to any request, initiate such legal action as you deem appropriate, at your sole expense, to attempt to limit discovery. If you take no action within the time permitted for us to respond, or if your action does not result in a judicial order protecting us from supplying requested information, we may construe your inaction or failure as consent to comply with the request.If we are not a party to the proceeding in which the information is sought, you agree to reimburse us for our professional time and expenses, as well as the fees and expenses of our legal counsel, incurred in responding to such requests. Before we begin any work to comply with such a request, you agree to provide an advance retainer payment based on our good-faith estimate of the professional time and legal fees likely to be incurred. Our obligation to perform any services related to the request is contingent upon the timely receipt of these funds.

31. BROKERAGE OR INVESTMENT ADVISORY STATEMENTS

If you provide us with copies of brokerage (or investment advisory) statements and/or read-only access to your accounts, we will use the information solely for the purpose of rendering agreed-upon Services to you. We will rely on the accuracy of the information provided in the statements and will not undertake any action to verify this information. We will not monitor transactions, investment activity, provide investment advice, or supervise the actions of the entity or individuals entering into transactions or investment activities on your behalf. We recommend that you receive and carefully review all statements upon receipt, and direct any questions regarding account activity to your banker, broker or investment advisor. You are responsible for the security of any login credentials or third-party data aggregators used to grant us access.

32. FEDERALLY AUTHORIZED PRACTITIONER - CLIENT PRIVILEGE

Internal Revenue Code §7525, Confidentiality Privileges Related to Taxpayer Communication, provides a limited confidentiality privilege applying to tax advice embodied in taxpayer communications with federally authorized tax practitioners in certain limited situations.This privilege is limited in several important respects. For example, the privilege may not apply to your records, state tax issues, state tax proceedings, private civil litigation proceedings, or criminal proceedings.While we will cooperate with you with respect to the privilege, asserting the privilege is your responsibility. Inadvertent disclosure of otherwise privileged information may result in a waiver of the privilege. Please contact us immediately if you have any questions or need further information about this federally authorized practitioner-client privilege.

33. LIMITATIONS ON ORAL AND EMAIL COMMUNICATIONS

We may discuss with you our views regarding the treatment of certain items or decisions you may encounter. We may also provide you with information in an email. Any advice or information delivered orally, via email, in a meeting or consulting session, or as a session summary (including spreadsheets, recordings, notes, or chat logs), that is not part of a formal technical memorandum explicitly labeled as a "Final Professional Opinion" and delivered through a separate and fully-executed engagement letter for a "Final Professional Opinion", will be based upon limited research and a limited discussion and analysis of the underlying facts. Additional research or a more complete review of the facts may affect our analysis and conclusions.Due to these limitations and the related risks, it may or may not be appropriate to proceed with a decision solely on the basis of any oral or email communication from us. You accept all responsibility, except to the extent caused by our gross negligence or willful misconduct, for any liability including but not limited to additional tax, penalties or interest resulting from your decision (i) not to have us perform the research and analysis necessary to reach a more definitive conclusion as part of a "Final Professional Opinion" engagement and (ii) to instead rely on other communications (whether delivered orally, through email, or other consultations). If you wish to engage us to provide a "Final Professional Opinion" on a matter on which we have communicated orally, by email, or in a consultation, we will confirm this specific service in a separate engagement letter.

34. DISCLAIMER OF LEGAL AND INVESTMENT ADVICE

Our Services do not constitute legal or investment advice. We recommend that you retain legal counsel and investment advisors to provide such advice.

35. REFERRALS

In the course of providing Services to you, you may request referrals to attorneys, brokers, investment advisors, accountants, or other professionals. We may identify a professional or professionals for your consideration. However, you are responsible for evaluating, selecting, and retaining any professional and determining if the professional can meet your needs. You agree that we will not oversee the activities of and have no responsibility for the work product of any professional to whom we refer you or that you separately retain. Further, we are not responsible for any Services we perform that fail to meet the intended outcomes as a result of relying on work completed by other professionals you may retain.

36. ASSIGNMENT

Neither Party may assign or transfer any of its rights or obligations under these Legal Terms without the prior written consent of the other Party, which consent shall not be unreasonably withheld or delayed. Any purported assignment or transfer in violation of this section is null and void. Notwithstanding the foregoing, we may assign these Legal Terms in its entirety to an affiliate or successor in interest in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of its assets, without obtaining your consent, provided that the assignee assumes all of our obligations hereunder. Subject to the foregoing, these Legal Terms will be binding upon and inure to the benefit of the Parties and their respective permitted successors and assigns.

37. SEVERABILITY

If any provision of these Legal Terms is held to be illegal, invalid, or unenforceable under present or future laws, such provision shall be severable. These Legal Terms shall be construed and enforced as if such illegal, invalid, or unenforceable provision had never been a part of these Legal Terms, and the remaining provisions shall remain in full force and effect.

38. INDEPENDENT CONTRACTOR

When providing Services to you, we will function strictly as an independent contractor. There is no joint venture, partnership, employment, agency, or similar relationship giving rise to a fiduciary duty to you created between you and us as a result of these Legal Terms or use of the Services. In no event will we or any of our employees be an officer of you as a result of these Legal Terms or use of the Services.No partner, principal, employee or agent of ours shall be subjected to any personal liability whatsoever to you or any person or entity.

39. CLIENT RESPONSIBILITIES

While we can provide assistance and recommendations, you are responsible for management decisions and functions, and for designating an individual with suitable skill, knowledge and experience to oversee any Services that we provide. You are responsible for evaluating the adequacy and results of the Services performed and accepting responsibility for such Services. You are ultimately responsible for establishing and maintaining internal controls, including monitoring ongoing activities. You acknowledge that the accuracy of financial information provided is solely your responsibility, and we will be held harmless from any liability resulting from the inaccuracy of the financial records provided by you.We are solely responsible for the accuracy of transactions and entries posted by us or our authorized agents. We are not responsible for, and shall be held harmless against, any errors, omissions, or misstatements resulting from transactions posted by you, your employees, or any third parties. The accounting software’s audit trail shall serve as the definitive record of who created, modified, or deleted any specific transaction.

Date of delivery

"Central Time" or "CT" means Central Standard Time or Central Daylight Time, whichever is in effect on the applicable date. All times referenced in these Legal Terms are in CT. "Business Hours" means 9:00 a.m. to 5:00 p.m. CT, Monday through Friday, excluding federal holidays observed in the United States. "Business Day" means any day from Monday through Friday, excluding federal holidays observed in the United States. Submissions shall be deemed received on the day of delivery if delivered by hand, standard mail, or e-mail during Business Hours. If delivered outside of Business Hours, submissions will be deemed received at the opening of Business Hours on the next Business Day.Verbal correspondences (such as phone calls) are for discussion and clarification purposes only. Any information or support provided verbally will not be considered officially "delivered" until confirmed in writing (e.g., via a follow-up email summarizing the discussion). Once confirmed in writing, the correspondence which will then be deemed received on the day of delivery subject to the provisions in the preceding paragraph.

Timely submissions

You are responsible for providing any requested submissions (e.g. bills, invoices, reports, data, files, consents, waivers, notices) in writing by any deadline specified by us, a third party entity, or government agency. Additionally, you are responsible for providing appropriate and timely access to systems, accounts, or portals needed to render Services. If you miss a deadline to provide requested submissions in writing or system/portal access needed to render Services, we may require you to pay a liquidated damages amount for completion of the corresponding Services, which will represent a genuine pre-estimate of the additional administrative burden, rescheduling costs, and service disruption caused by the missed deadline. The fee is applied at an hourly rate of $100.00/hour for all professional time expended to rectify, follow up on, or complete the delayed task or Service after the corresponding deadline for requested submissions or access to systems or portals has passed. We will also be entitled to an equitable adjustment of the service timeline expected by you to complete the delayed task or Service. We are not responsible for the impact on your internal or external obligations as a result of late submissions or system/portal access that was granted past a communicated deadline.

40. CONFLICTS OF INTEREST

If we, in our sole discretion, believe a conflict has arisen affecting our ability to deliver Services to you in accordance with either our ethical standards or the ethical standards of our profession, we may be required to suspend or terminate our Services without issuing our work product.

41. MISCELLANEOUS

Our failure to exercise or enforce any right or provision of these Legal Terms shall not operate as a waiver of such right or provision. These Legal Terms operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time.Neither Party shall be liable or responsible to the other Party, nor be deemed to have defaulted or breached these Legal Terms, for any failure or delay in fulfilling or performing any of their obligations under these Legal Terms (except for any obligations to make payments to the other Party), when and to the extent such failure or delay is caused by or results from events beyond the affected Party's reasonable control (a "Force Majeure Event"). Force Majeure Events include, but are not limited to: acts of God, natural disasters (fire, flood, earthquake, extreme weather), war, terrorism, invasion, hostilities, riot, or other civil unrest, governmental orders, laws, or actions (embargoes, national emergencies, travel bans), epidemics, pandemics, or public health crises, labor shortages or strikes (that are not internal to the affected party), or utility failures (power outages, internet service provider failures, or telecommunication breakdowns) not caused by the Party’s negligence. The Party affected by the Force Majeure Event shall use reasonable efforts to promptly notify the other Party in writing of the occurrence of such an event, its likely duration, and the extent to which it impacts the affected Party's performance. The affected Party shall use reasonable diligence to mitigate the effects of the Force Majeure Event and to resume performance of its obligations as soon as reasonably practicable. If a Force Majeure Event prevents the performance of essential Services for a continuous period of more than thirty (30) days, the non-affected Party may terminate immediately upon written notice, without liability.You agree that these Legal Terms will not be construed against us by virtue of having drafted them (the rule of contra proferentem is waved). You hereby waive any and all defenses you may have based on the electronic form of these Legal Terms and the lack of signing by the parties hereto to execute these Legal Terms.The Legal Terms may be executed in one or more counterparts, each of which shall be considered an original instrument, but all of which shall be considered one and the same agreement.These Legal Terms, including all policies and documents incorporated herein by reference, together with any contract, agreement, or amendment that incorporates these Legal Terms, constitute the entire agreement between the Parties. Subject to any "Order of Precedence" or conflict provisions in a signed contract or engagement letter, these Legal Terms supersede all prior representations, discussions, or agreements. If you were provided with a specific version of these Legal Terms by an authorized representative of Lilac Financial PLLC (including but not limited to a PDF copy, a link via an online storage solution, or a copy attached to a client engagement letter), that specific version shall govern and take precedence over the version hosted on our website lilacfinancial.org in the event of a conflict. Any subsequent updates will be provided to you in accordance with the section "MODIFICATIONS TO TERMS AND POLICIES" of these Legal Terms.The section headings and captions used in these Terms & Conditions are for convenience only and shall not be considered a part of these Legal Terms or used to interpret or construe the meaning of any provision hereof.Each Party shall execute and deliver any additional documents and take any actions as may be reasonably necessary to carry out the provisions of these Legal Terms and the transactions contemplated hereby.

42. SURVIVAL

All provisions of these Legal Terms which by their nature should survive termination, including without limitation, those provisions relating to payment obligations, data protection/privacy obligations, confidentiality, limitation of liability, indemnification, intellectual property ownership, dispute resolution, governing law, and warranty disclaimers shall survive the termination or expiration of these Legal Terms and the cessation of Services.

43. MODIFICATIONS TO TERMS AND POLICIES

We reserve the right to change or modify these Legal Terms or our policies at any time.

44. CONTACT US

For legal notices and formal communication, you can contact us via email at legal @ lilacfinancial.org. For general inquiries, you can contact us by using the contact form on our website lilacfinancial.org.