TERMS OF SERVICE

TERMS AND CONDITIONS

Kirkland Tax Solution DBA “KTS Financial” is committed to maintaining robust privacy protections for its users. Our Privacy Policy (“Privacy Policy”) is designed to help you understand how we collect, use and safeguard the information you provide to us and to assist you in making informed decisions when using our Service. For purposes of this Agreement, “Service” refers to the Company’s service which can be accessed via our website at www.ktsfinancial.org. The terms “we,” “us,” and “our” refer to the Company. “You” refers to you, as a user of Service. By accepting our Privacy Policy and Terms of Use, you consent to our collection, storage, use and disclosure of your personal information as described in this Privacy Policy.

 

I. INFORMATION WE COLLECT

We collect “Non-Personal Information” and “Personal Information.” Non-Personal Information includes information that cannot be used to personally identify you, such as anonymous usage data, general demographic information we may collect, referring/exit pages and URLs, platform types, preferences you submit and preferences that are generated based on the data you submit and number of clicks. Personal Information includes only your email, which you submit to us through the registration process at the Site.

Information collected via Technology

To activate the Service you do not need to submit any Personal Information other than your email address. To use the Service thereafter, you do not need to submit further Personal Information. However, in an effort to improve the quality of the Service, we track information provided to us by your browser or by our software application when you view or use the Service, such as the website you came from (known as the “referring URL”), the type of browser you use, the device from which you connected to the Service, the time and date of access, and other information that does not personally identify you. We track this information using cookies, or small text files which include an anonymous unique identifier. Cookies are sent to a user’s browser from our servers and are stored on the user’s computer hard drive. Sending a cookie to a user’s browser enables us to collect Non-Personal information about that user and keep a record of the user’s preferences when utilizing our services, both on an individual and aggregate basis.

The Company may use both persistent and session cookies; persistent cookies remain on your computer after you close your session and until you delete them, while session cookies expire when you close your browser.

Information you provide us by registering for an account

In addition to the information provided automatically by your browser when you visit the Site, to become a subscriber to the Service you will need to register or optin on any of our site forms. By registering, you are authorizing us to collect, store and use your email address in accordance with this Privacy Policy.

 

II. HOW WE USE AND SHARE INFORMATION

Personal Information:

Except as otherwise stated in this Privacy Policy, we do not sell, trade, rent or otherwise share for marketing purposes your Personal Information with third parties without your consent. We do share Personal Information with vendors who are performing services for the Company, such as the servers for our email communications who are provided access to user’s email address for purposes of sending emails from us. Those vendors use your Personal Information only at our direction and in accordance with our Privacy Policy.

In general, the Personal Information you provide to us is used to help us communicate with you. For example, we use Personal Information to contact users in response to questions, solicit feedback from users, provide technical support, and inform users about promotional offers.

 

Non-Personal Information

In general, we use Non-Personal Information to help us improve the Service and customize the user experience. We also aggregate Non-Personal Information in order to track trends and analyze use patterns on the Site. This Privacy Policy does not limit in any way our use or disclosure of Non-Personal Information and we reserve the right to use and disclose such Non-Personal Information to our partners, advertisers and other third parties at our discretion.

In the event we undergo a business transaction such as a merger, acquisition by another company, or sale of all or a portion of our assets, your Personal Information may be among the assets transferred. You acknowledge and consent that such transfers may occur and are permitted by this Privacy Policy, and that any acquirer of our assets may continue to process your Personal Information as set forth in this Privacy Policy. If our information practices change at any time in the future, we will post the policy changes to the Site so that you may opt out of the new information practices. We suggest that you check the Site periodically if you are concerned about how your information is used.

 

III. HOW WE PROTECT INFORMATION

We implement security measures designed to protect your information from unauthorized access. Your account is protected by your account password and we urge you to take steps to keep your personal information safe by not disclosing your password and by logging out of your account after each use. We further protect your information from potential security breaches by implementing certain technological security measures including encryption, firewalls and secure socket layer technology. However, these measures do not guarantee that your information will not be accessed, disclosed, altered or destroyed by breach of such firewalls and secure server software. By using our Service, you acknowledge that you understand and agree to assume these risks.

 

IV. YOUR RIGHTS REGARDING THE USE OF YOUR PERSONAL INFORMATION

You have the right at any time to prevent us from contacting you for marketing purposes. When we send a promotional communication to a user, the user can opt out of further promotional communications by following the unsubscribe instructions provided in each promotional e-mail. You can also indicate that you do not wish to receive marketing communications from us via any automated email that is sent out. Please note that notwithstanding the promotional preferences you indicate by either unsubscribing or opting out in the Settings section of the Site, we may continue to send you administrative emails including, for example, periodic updates to our Privacy Policy.

 

V. LINKS TO OTHER WEBSITES

As part of the Service, we may provide links to or compatibility with other websites or applications. However, we are not responsible for the privacy practices employed by those websites or the information or content they contain. This Privacy Policy applies solely to information collected by us through the Site and the Service. Therefore, this Privacy Policy does not apply to your use of a third party website accessed by selecting a link on our Site or via our Service. To the extent that you access or use the Service through or on another website or application, then the privacy policy of that other website or application will apply to your access or use of that site or application. We encourage our users to read the privacy statements of other websites before proceeding to use them.

 

VI. CHANGES TO OUR PRIVACY POLICY

The Company reserves the right to change this policy and our Terms of Service at any time. We will notify you of significant changes to our Privacy Policy by sending a notice to the primary email address specified in your account or by placing a prominent notice on our site. Significant changes will go into effect 30 days following such notification. Non-material changes or clarifications will take effect immediately. You should periodically check the Site and this privacy page for updates.

VII. REFUND POLICY

By purchasing any product or service from KTS Financial, you acknowledge and agree to the following refund policy:

Digital Products
All sales of digital products listed on this site are final. Due to the nature of digital products, which are made available for immediate download upon purchase, KTS Financial does not offer refunds, exchanges, or cancellations under any circumstances. By completing a purchase, you confirm that you have reviewed the product description and understand the terms of the transaction. Non-receipt of a product due to customer error, such as providing an incorrect email address, does not constitute grounds for a refund.

In the event of a dispute, this policy will be presented to the payment processing company as evidence of our clearly communicated and legally binding terms, demonstrating compliance with industry standards for digital products and services.

Credit Education and Document Processing Services
All credit education and document processing services offered by KTS Financial are provided with the understanding that outcomes cannot be guaranteed. While we make every effort to assist you in disputing inaccurate, erroneous, or obsolete information on your credit report, the final results depend on the responses and actions of third parties, such as credit reporting agencies and creditors. As such, KTS Financial does not and cannot guarantee specific results or outcomes from these services.

By purchasing credit education or document processing services, you agree to pay all fees as outlined in your signed Client Agreement, Credit Service Agreement, and Authorization for Credit Repair Action. You acknowledge that all fees paid are for the services rendered, including document preparation, correspondence with credit reporting agencies, credit education, and monitoring. No refunds will be issued once these services have been initiated, regardless of the outcome of your credit disputes.

This policy complies with federal and state regulations governing credit education organizations, ensuring transparency and protecting both parties in the service agreement. If a dispute arises regarding payment for services, this policy will be provided to the payment processor as evidence of our stated and legally binding terms.

By using the services and products provided by KTS Financial, you acknowledge that you have read, understood, and agree to this refund policy. If you have any questions or require further clarification, please contact us at hello@ktsfinancial.org prior to making a purchase.

Cancellation of Credit Education Services

Clients have the right to cancel their credit education service agreement within three (3) business days from the date of signing the contract. To cancel, clients must submit a written notice of cancellation as outlined in their Credit Service Agreement. The written notice must be sent via the method specified in the agreement, such as email, certified mail, or another documented delivery method, to ensure proper receipt.

No fees will be charged for services if cancellation occurs within this three-day period. However, after the cancellation window has passed, all fees outlined in the agreement will apply, and no refunds will be issued once services have been initiated.

This policy complies with the Consumer Credit Protection Act and related regulations, ensuring clients have an opportunity to review and reconsider their decision without financial obligation during the designated period. For further assistance, please contact us.

Classes and Training Sessions

KTS Financial offers both pre-recorded classes available for immediate download and 1:1 training sessions.

  • Pre-Recorded Classes: These classes are delivered as digital products and are available for immediate download upon purchase. As such, they fall under the "Digital Products" refund policy outlined above and are non-refundable.

  • 1:1 Training Sessions: These sessions are non-refundable once purchased. Clients are permitted unlimited reschedules.

All classes, whether pre-recorded or 1:1, are non-refundable under any circumstances. By purchasing a class or session, you confirm that you have read and understood this policy.

Business Credit Services
All business credit services provided by KTS Financial, including business credit education and document preparation, are non-refundable after the first business day of purchase. A client agreement outlining the terms of service will be provided immediately following your purchase.

You may request a refund within one business day of purchase. If you cancel within this period, a processing fee of $50.00 or 15% of the total charge (whichever is lesser) will apply, and the remaining balance will be refunded. After one business day, no refunds will be issued, regardless of whether the services have been completed or not.

No refunds will be provided for delays caused by third-party factors, such as credit bureaus, financial institutions, or government agencies. No refunds will be issued for changes to the services requested after processing has begun or if additional information is required from the client to complete the service.

KTS Financial does not guarantee any specific outcome, such as grant approval, but guarantees completion of the application process. Delays or decisions outside of our control, including those from grant providers or government agencies, will not result in a refund.

VIII. INTELLECTUAL PROPERTY AND CONTENT TERMS

Intellectual Property Rights
All content on this website, including but not limited to text, graphics, logos, images, audio, video, software, and digital downloads (collectively referred to as "Content"), is the exclusive property of Kirkland Tax Solution DBA "KTS Financial" and is protected by copyright, trademark, and other intellectual property laws. By accessing this site, you acknowledge and agree that you do not acquire any ownership rights to the Content.

Prohibited Use of Content
You may not reproduce, republish, sell, distribute, duplicate, or otherwise exploit any Content from this website without prior written consent from KTS Financial. This prohibition includes, but is not limited to:

  1. Republishing any Content in physical or digital form on any platform or media.

  2. Selling or licensing Content, whether for commercial or non-commercial purposes.

  3. Duplicating or redistributing Content to third parties.

  4. Modifying or creating derivative works based on Content.

Unauthorized use of our Content is strictly prohibited and may result in legal action.

Copyright Clause
All Content on this website is protected under United States and international copyright laws. KTS Financial retains all rights, title, and interest in and to the Content. Unauthorized use, reproduction, or distribution of copyrighted material is a violation of these laws and is subject to penalties and damages.

If you believe any Content on this site infringes upon your intellectual property rights, please contact us with detailed information so we may address your concerns promptly.

Content Liability
KTS Financial strives to ensure the accuracy, completeness, and reliability of the Content provided on this website. However, we do not guarantee the accuracy or reliability of any Content, and we disclaim all liability for any errors, omissions, or inaccuracies in the information provided. The Content is provided "as is" and without warranties of any kind, either express or implied, including but not limited to warranties of merchantability or fitness for a particular purpose.

By using this website, you agree that KTS Financial will not be held liable for any damages arising from the use or misuse of the Content, including but not limited to direct, indirect, incidental, punitive, or consequential damages.

For inquiries about the use of our Content or intellectual property, please contact us.

IX. SERVICES WE MAY PROVIDE

KTS Financial provides credit education and document preparation services to assist clients in managing their credit profiles. These services include evaluating your current credit reports from applicable credit reporting agencies, identifying inaccurate, erroneous, false, or obsolete information, and guiding you through the process of disputing such information. We will assess your credit reports to help identify items that may be inaccurate, erroneous, false, or obsolete. You will select the items you wish to dispute, and we will advise you on the necessary steps to address these issues. All necessary correspondence to dispute inaccurate or obsolete information will be prepared on your behalf. As a client, you are responsible for forwarding any correspondence received from credit reporting agencies promptly and reviewing and approving all actions prior to their execution. Consulting, coaching, and monitoring services may be conducted through personal meetings, webinars, video conferencing, telephone, email, or other communication methods during normal business hours.

While we strive to deliver accurate information and clearly explain your options, we do not provide legal advice. For legal matters or guidance on how the law applies to your individual circumstances, you should consult an attorney. By engaging our services, you acknowledge that outcomes cannot be guaranteed and agree to the terms outlined herein. If you have questions about our credit education and document preparation services, please contact us.

If you have any questions regarding the Terms of Service or the practices of this Site, please at hello@ktsfinancial.org.