Terms of Service.

Effective: January 2026 · Last updated: 2026

Agreement

By using this website (charlestaxgroup.com) or engaging Charles Tax Group for services, you agree to these Terms. Charles Tax Group is a brand operated by JNC Investment Group LLC, an authorized IRS e-file Provider holding EFIN 592274, based in Orlando, Florida.

Services we provide

Charles Tax Group provides tax preparation, ledger preparation, bookkeeping support, and related professional services. Specific services, deliverables, pricing, and turnaround are governed by the engagement letter executed between Charles Tax Group and each client. The website's descriptions and pricing are informational and are confirmed individually for each engagement.

Inquiries are not orders

Submitting an inquiry form (including the Ledger Inquiry, Free Sample request, or any contact form) does not create an engagement, a contract, or a binding obligation on either party. No work begins until an engagement letter has been signed and any required invoice paid.

Fees and payment

Fees are set out in your engagement letter. Tier pricing shown on the website reflects standard annual or monthly rates for typical ledger preparation engagements; actual fees may vary depending on the scope of work, transaction volume, multi-year cleanup requirements, and other factors disclosed before work begins. Fees are payable in advance unless otherwise agreed. We accept payment by credit card, ACH, or other methods specified in the invoice.

Scope of work

Work performed under any engagement is limited to the scope defined in the engagement letter. Work outside the defined scope — including additional months, additional accounts, additional entities, or services not listed — requires a separate engagement and additional fees.

Client responsibilities

You agree to:

Provide accurate, complete, and timely information and documents
Respond to Open Items, client questions, and clarification requests within a reasonable time
Review all deliverables, including tax returns, before approving them for filing
Acknowledge that you bear ultimate legal responsibility for the accuracy of information you submit on your return, even though we prepare it

Tax preparation specifics

For tax return preparation engagements:

No tax return will be e-filed or paper-filed until you have reviewed it and provided express approval
You are responsible for the accuracy of information provided
We rely on the documents and statements you provide; we do not audit them
If you elect a refund advance product, you will be subject to the bank's separate terms; refund advance approval and amount are determined by the bank, not by us
Joel Charles does not provide IRS representation services. If a notice or audit arises, we will refer you to a qualified representative

Ledger preparation specifics

For ledger preparation engagements on behalf of tax professionals:

The deliverable is an Excel file prepared from PDF bank statements you provide
We rely entirely on the statements supplied by the engaging firm; we do not verify whether statements are complete or authentic
The engaging firm remains solely responsible for the underlying tax return, any client representation, and any judgment calls applied to the ledger after delivery
Where a Preparer's Findings Memo is provided (Tier 3), the Memo represents observations based on the materials reviewed and is not a substitute for the engaging firm's own professional judgment

Confidentiality and data

We treat all client information as confidential. See our Privacy Policy for how we handle information. We are willing to sign NDAs before reviewing tax-firm client files.

Refunds of fees

Fees for work that has been substantially performed are non-refundable. If you cancel an engagement before work has begun, we will refund fees paid less a reasonable administrative charge if applicable. Refund disputes are resolved in good faith on a case-by-case basis.

Limitation of liability

To the maximum extent permitted by law, Charles Tax Group's total liability arising from or related to any engagement is limited to the fees paid for that engagement. We are not liable for indirect, consequential, incidental, or punitive damages, including lost profits or lost opportunities. Nothing in these Terms limits liability for fraud, willful misconduct, or any liability that cannot be limited under applicable law.

Disclaimers

The website is provided "as is" without warranties of any kind. We do not warrant that the website will be uninterrupted or error-free. Information on the website is general in nature and does not constitute tax, legal, or financial advice. Always rely on a written engagement letter for specifics applicable to your situation.

Intellectual property and proprietary work product

Website content. All content on this website, including text, logos, and the Charles Tax Group brand identity, is owned by JNC Investment Group LLC or its licensors and is protected by intellectual property law. You may not reproduce, distribute, or use any content for commercial purposes without written permission.

Sample materials. Sample deliverables made available through this website (including tier sample Excel files, Preparer's Findings Memos, and any associated materials) remain the property of JNC Investment Group LLC. They are provided for evaluation purposes only. You may not redistribute them, resell them, share them with parties outside your firm and your firm's named client review staff, use them to train artificial intelligence or machine-learning systems, or use them as source material for competing services.

Engagement deliverables. The methodologies, categorization frameworks, prompt systems, template structures, and reusable formats used by Charles Tax Group to produce engagement deliverables are the proprietary intellectual property of JNC Investment Group LLC. Upon delivery and payment for a specific engagement:

You receive a perpetual, non-transferable license to use the completed Excel file (and any signed Preparer's Findings Memo) for the specific client engagement identified in the engagement letter
You do not receive ownership of, or rights to, the underlying methodology, templates, prompt systems, or structural formats used to produce the file
You may not redistribute, resell, or share completed files with parties outside your firm and the named client
You may not use completed files, sample files, or any materials from Charles Tax Group to train artificial intelligence or machine-learning systems, or as source material for products that compete with Charles Tax Group's services

These restrictions survive termination of any engagement.

Governing law

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-laws principles. Any dispute arising under these Terms or under any engagement is subject to the exclusive jurisdiction of the state and federal courts located in Orange County, Florida.

Changes to these Terms

We may update these Terms from time to time. Material changes will be reflected in the "Effective" date at the top of this page. Continued use of the website or our services after an update constitutes acceptance.

Contact

Questions about these Terms can be sent to:

Joel Charles
Charles Tax Group
Email: joel@charlestaxgroup.com
Phone: (407) 796-8333
5530 Kingswood Drive Orlando, FL 32810