Terms of Service

Last updated: May 29, 2026

IMPORTANT: BOA provides tax strategy information and financial calculations for educational and informational purposes only. BOA does not provide tax advice, legal advice, or financial advice. BOA is not a Certified Public Accountant (CPA), Enrolled Agent (EA), tax attorney, or licensed financial advisor. The information provided by BOA does not constitute professional advice and should not be relied upon as a substitute for consultation with qualified professionals.

1. Acceptance of Terms

By accessing or using BOA ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Service.

2. Description of Service

BOA is a tax strategy information platform that analyzes user-provided financial data and generates tax optimization strategies based on the Internal Revenue Code (IRC). The Service identifies potential tax savings opportunities, calculates estimated dollar amounts, and provides implementation guidance with IRC section citations.

3. Not Professional Advice

The Service provides informational output only. Specifically:

Not tax advice. BOA's strategy recommendations are informational calculations, not professional tax advice. Tax situations are complex and fact-specific. What applies to one taxpayer may not apply to another.
Not legal advice. No attorney-client relationship is created by using BOA. Legal determinations (entity structure, contract terms, compliance) require a licensed attorney.
Not financial advice. BOA does not provide investment advice, retirement planning recommendations, or financial planning services. No fiduciary relationship exists between BOA and its users.
IRC citations are references, not interpretations. BOA cites specific IRC sections that authorize each strategy. These citations are references to the tax code, not legal interpretations of how the code applies to your specific situation.

You must consult a qualified CPA, Enrolled Agent, tax attorney, or other licensed professional before implementing any strategy identified by BOA.

4. Accuracy and Limitations

BOA uses published IRS parameters (tax brackets, contribution limits, deduction thresholds) for the current tax year. While BOA strives for accuracy:

Tax law changes frequently. Parameters are updated annually but may not reflect mid-year changes.
State tax calculations use published state rates and may not capture local taxes, surtaxes, or special provisions.
Dollar savings are estimates based on the data you provide. Actual savings depend on your complete tax situation, which BOA may not fully capture.
BOA's engine is deterministic — it follows a consistent, dependable process for every analysis. However, deterministic does not mean correct for your specific circumstances.

5. User Responsibilities

You are responsible for:

The accuracy of all data you enter into BOA
Verifying BOA's output with a qualified professional before taking action
All tax filing decisions and their consequences
Maintaining the security of your account credentials
Complying with all applicable tax laws and regulations

6. No Warranty

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. BOA DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT THE CALCULATIONS WILL BE ACCURATE FOR YOUR SPECIFIC TAX SITUATION.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, BOA AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

YOUR USE OF OR INABILITY TO USE THE SERVICE
ANY TAX STRATEGY IMPLEMENTED BASED ON BOA'S OUTPUT
ANY ERRORS OR OMISSIONS IN THE SERVICE'S CALCULATIONS OR CITATIONS
ANY IRS PENALTIES, INTEREST, OR ADDITIONAL TAX LIABILITY
UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR DATA

IN NO EVENT SHALL BOA'S TOTAL LIABILITY EXCEED THE AMOUNT YOU PAID FOR THE SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

8. Indemnification

You agree to indemnify and hold harmless BOA from any claims, damages, losses, or expenses arising from your use of the Service, your violation of these Terms, or your implementation of any strategy identified by the Service.

9. Data and Privacy

Your use of the Service is also governed by our Privacy Policy. By using the Service, you consent to the collection and use of your data as described therein.

10. Account Termination

You may delete your account at any time through the app settings. Upon deletion, all your data is permanently removed from our systems. BOA reserves the right to suspend or terminate accounts that violate these Terms.

11. Modifications

BOA reserves the right to modify these Terms at any time. Material changes will be communicated via the Service. Continued use after changes constitutes acceptance.

12. Governing Law

These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles. Any disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

13. Contact

Questions about these Terms may be directed to legal@boa.aaservent.com.