Terms of Service

By using Tax Panic, you agree to these Terms of Service. If you do not agree, do not use the Service.

1. Educational use only

Tax Panic provides educational information about IRS notices. The Service does not provide legal advice, tax advice, accounting advice, or financial advice. Use of the Service does not create an attorney-client, accountant-client, or other professional relationship.

2. No warranty; provided "as is"; assumption of risk

The Service is provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied. To the fullest extent permitted by law, Tax Panic disclaims all implied warranties, including the implied warranties of accuracy, merchantability, fitness for a particular purpose, title, and non-infringement.

Artificial-intelligence analysis may be incomplete or incorrect. Notice codes, amounts, deadlines, and suggested steps generated by the Service may contain errors. Tax Panic does not warrant that the Service will be uninterrupted, secure, or error-free, and is not responsible for third-party services used to provide it (including the AI provider and the app stores).

You acknowledge that tax matters carry firm deadlines and financial consequences, and that automated analysis can misread a document. You assume all risk of relying on the Service. You must independently verify all information against your original IRS notice before acting on it, and for any notice involving a levy, lien, audit, deficiency, or other serious matter, you should consult a licensed tax professional.

3. Not affiliated with the IRS

Tax Panic is an independent service. Tax Panic is not affiliated with, endorsed by, or sponsored by the Internal Revenue Service or any federal, state, or local government agency.

4. Your responsibilities

You agree to use the Service lawfully and to not upload documents containing information about persons other than yourself without their consent. You are solely responsible for any actions you take based on the Service's output.

5. Account security

If you create an account, you are responsible for maintaining the confidentiality of your credentials and for all activity under your account.

6. Limitation of liability

To the maximum extent permitted by law, Tax Panic, its owners, officers, employees, and contractors shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with the Service, including missed deadlines, penalties, interest, additional tax, or lost refunds. Total liability for any claim is limited to the amount paid by you to Tax Panic in the twelve months preceding the claim, or one hundred dollars, whichever is greater. These limitations apply even if Tax Panic has been advised of the possibility of such damages.

These limitations apply regardless of the theory of liability (contract, tort, negligence, strict liability, statute, or otherwise), apply to Tax Panic and its owners, officers, employees, contractors, and suppliers, and apply in the aggregate to all claims taken together, not per claim. They apply even if a limited remedy is found to have failed of its essential purpose. The subscription fees, if any, reflect this allocation of risk, without which the Service would not be offered at its price. Any claim arising out of or relating to the Service must be brought within one year after the claim arose, to the extent permitted by law.

Nothing in these Terms limits or excludes liability that cannot be limited or excluded under applicable law, including liability for (a) gross negligence, willful misconduct, or fraud; (b) death or personal injury caused by negligence; or (c) any non-waivable rights you have under consumer-protection law. Because some jurisdictions do not allow the exclusion of implied warranties or the limitation of incidental or consequential damages, some of the above limitations may not apply to you; in those jurisdictions our liability is limited to the greatest extent permitted by law.

7. Indemnification

You agree to defend, indemnify, and hold harmless Tax Panic and its owners, officers, employees, and contractors from claims, losses, and expenses (including reasonable attorneys' fees) arising out of your misuse of the Service, your violation of these Terms or applicable law, your upload of content you do not have the right to provide, or your infringement of another person's rights. This does not require you to indemnify Tax Panic for Tax Panic's own gross negligence, willful misconduct, fraud, or violations of law.

8. Subscriptions and auto-renewal

Tax Panic offers an optional paid subscription ("Pro"). Where you purchase through the Apple App Store or Google Play, payment is charged to your store account, and the subscription renews automatically for the same period unless you cancel at least 24 hours before the end of the current period. You manage and cancel your subscription in your App Store or Google Play account settings. Prices, billing periods, and any free-trial terms are disclosed at the point of purchase. Refunds for purchases made through the App Store or Google Play are handled by Apple or Google under their policies; we do not process those refunds. Deleting your Tax Panic account does not automatically cancel a subscription purchased through the App Store or Google Play; you must cancel it in your store subscription settings.

9. Intellectual property

All Tax Panic content, branding, software, and trade dress are owned by Tax Panic. You may not copy, distribute, or create derivative works without permission.

10. Termination

We may suspend or terminate access to the Service for any user that violates these Terms or applicable law.

11. Dispute resolution; binding arbitration; class action waiver

Please read this section carefully. It affects your legal rights, including a waiver of class actions and jury trials. This arbitration agreement is governed by the Federal Arbitration Act. To the maximum extent permitted by law, any dispute arising out of or relating to the Service or these Terms will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court, except that either party may bring an individual claim in small-claims court.

Informal resolution first. Before starting an arbitration, you agree to send a written Notice of Dispute to legal@taxpanic.com describing the dispute and the relief sought, and to give the parties 30 days to resolve it informally. This step is a condition to starting arbitration for either party. Either party may still seek emergency injunctive relief in court to prevent immediate and irreparable harm.

For consumer claims, Tax Panic will pay AAA filing and arbitrator fees as required by the AAA Consumer Arbitration Rules. The arbitration is seated in Florida, but you may elect to participate by telephone or video, or to have any in-person hearing held in your home county. You and Tax Panic waive the right to a jury trial and waive the right to participate in a class, collective, or representative action. Where required by law, claims for public injunctive relief may be brought in court.

The arbitrator decides threshold questions of arbitrability, except that a court (not the arbitrator) decides: whether a contract was formed; whether the class-action waiver is enforceable; whether a claim for public injunctive relief may proceed in court; and whether the mass-arbitration procedure below applies. If the class-action waiver is found unenforceable as to a particular claim, that claim (and only that claim) will proceed in court and the remainder of this arbitration agreement will continue to apply.

If 25 or more substantially similar demands are filed against Tax Panic by or with the assistance of the same or coordinated counsel, they will be treated as a mass arbitration: the parties will first arbitrate 10 bellwether cases (5 selected by each side) while the remaining demands are tolled, then participate in mediation, and any unresolved claims will then proceed in batches of up to 50. This procedure promotes efficient resolution and does not deprive any claimant of the right to pursue an individual claim.

You may opt out of this arbitration agreement by sending written notice, within 30 days of first accepting these Terms, to legal@taxpanic.com, stating your name and that you opt out of arbitration. Opting out does not affect any other part of these Terms. The arbitration will be kept confidential by the parties except as needed to enforce the award or as required by law. This Section survives termination of your account or these Terms. If any dispute proceeds in court, both parties waive the right to a jury trial. Some jurisdictions do not permit certain of these provisions; where a provision is not enforceable, it will be limited or severed and the remainder will continue to apply.

12. Governing law

These Terms are governed by the laws of the State of Florida, without regard to its conflict of laws principles.

13. Changes

We may update these Terms. Material changes will be communicated via the Service. Continued use after changes constitutes acceptance.

14. Electronic communications

You consent to receive these Terms, disclosures (including subscription and auto-renewal disclosures), and other communications from us electronically, and you agree that electronic communications satisfy any legal requirement that such communications be in writing.

15. General

These Terms, together with the Privacy Policy and Disclaimer, are the entire agreement between you and Tax Panic regarding the Service and supersede prior agreements. If any provision is held unenforceable, the remaining provisions remain in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets. We are not liable for delays or failures caused by events beyond our reasonable control. The provisions that by their nature should survive termination (including Sections 2, 6, 7, 11, and 12) survive.

16. Contact

For questions, contact legal@taxpanic.com.