Effective Date: October 18, 2025

KJ Financial Group provides tax preparation, financial consulting, and related services with the utmost diligence, professionalism, and in accordance with IRS regulations. However, the following disclaimers apply:

1. No Express or Implied Warranties

All services, content, and materials provided by KJ Financial Group are offered "as is" and "as available." We make no warranties, express or implied, including but not limited to:

Merchantability

Fitness for a particular purpose

Accuracy, reliability, or completeness of information

Results or outcomes from using our services or advice

2. No Guarantee of Refund Amounts or Approval

While we work to maximize your eligible tax refund or financial benefit:

We do not guarantee any specific refund amount, credit approval, or tax outcome.

Approval for refund advances or bank products is solely determined by third-party providers (e.g., banks or underwriters).

Any estimate provided is subject to change based on documentation, IRS rules, or regulatory updates.

3. Client Responsibility

Clients are responsible for:

Providing accurate, timely, and complete information

Reviewing their tax returns or documents before submission

Notifying us of any discrepancies or changes

Failure to do so may impact the outcome of your filing or financial service.

4. Limitation of Liability

To the maximum extent allowed by law, KJ Financial Group is not liable for:

Indirect, incidental, or consequential damages

Loss of data, income, or business opportunities

Penalties or interest arising from false, omitted, or incomplete information provided by the client

Our total liability, if any, is limited to the amount paid for services.

5. Third-Party Services

KJ Financial Group may refer or connect clients to third-party financial products (e.g., refund advances, banking services). We are not responsible for any issues, decisions, or outcomes related to third-party products or institutions.