Terms & Disclaimer

Effective Date: September 29, 2026

These Terms of Use and Service Disclaimer apply to the Start 2027 Business-Ready Campaign, the U.S. Business Formation Starter Guide, related landing pages, forms, consultations, communications, and promotional offers provided by Optimum Tax Pro.

By using this website, requesting our guide, submitting a form, scheduling a consultation, or purchasing services, you acknowledge and agree to the terms below.

1Educational Information Only

Information provided on this website, in our guide, emails, WhatsApp/SMS messages, social-media content, consultations, checklists, or other campaign materials is provided for general educational and informational purposes.

General educational content does not constitute individualized legal, tax, financial, investment, credit, banking, immigration, or other professional advice.

Recommendations appropriate for one business or individual may not be appropriate for another.

A professional-client relationship for a specific service begins only when Optimum Tax Pro accepts the engagement and any required service agreement, payment, documentation, or authorization requirements are completed.

2Business Formation Services

Our Business Formation Starter Package is offered at a professional service fee of:

$199 + applicable state filing fees

The standard package may include:

• standard LLC or corporation formation assistance;
• preliminary business-name availability review;
• EIN application assistance;
• standard operating agreement preparation for qualifying straightforward LLC formations;
• introductory business tax setup guidance;
• business banking guidance;
• business-credit starter guidance;
• tax-reduction starter education; and
• an initial compliance checklist.

The $199 professional service fee does not include state filing fees, expedited government fees, publication costs, registered-agent fees, licenses, permits, certified copies, foreign qualification, tax-return preparation, bookkeeping, payroll, comprehensive tax planning, legal representation, customized legal documents, business-credit implementation, financing, or other services unless expressly stated in writing.

Complex ownership structures or unusual formation requirements may require additional services and fees.

3State and Government Fees

State filing fees vary by jurisdiction and are additional to our professional service fees.

Other state, local, federal, publication, licensing, certification, expedited-processing, courier, or third-party fees may also apply depending on the client’s circumstances.

Government fees are established by the applicable agency and may change without notice.

4Registered Agent Service

Registered-agent service is not automatically included in the $199 formation package.

Where available, Optimum Tax Pro currently offers registered-agent service for:

$90 per year

Clients may instead provide their own qualifying registered agent, subject to applicable state requirements.

A professional registered agent may help provide a consistent address for receiving official or legal notices and may reduce the need to use a personal residence as the registered-agent address where permitted.

Registered-agent service does not guarantee anonymity or complete privacy. State disclosure requirements vary.

5EIN Assistance

An Employer Identification Number is issued by the Internal Revenue Service.

The IRS does not charge applicants a fee to issue an EIN.

Any fee charged by Optimum Tax Pro relates to professional assistance, preparation, review, coordination, and related services—not the purchase of an EIN from the IRS.

EIN issuance and processing are controlled by the IRS, and approval or timing cannot be guaranteed.

6ITIN Application Assistance

Our standard ITIN Application Assistance professional service fee is:

$399 per eligible applicant

The service may include:

• preliminary ITIN eligibility review;
• Form W-7 preparation assistance;
• supporting-document review;
• coordination with our Certifying Acceptance Agent (CAA);
• document authentication where permitted under IRS rules;
• preparation of the application package;
• IRS submission; and
• reasonable routine status assistance.

An ITIN is issued by the IRS to qualifying individuals who require a U.S. taxpayer identification number for federal tax purposes and who are not eligible for a Social Security Number.

Owning a U.S. LLC or corporation does not automatically mean an individual qualifies for or needs an ITIN. ITIN eligibility depends on the applicant’s facts, circumstances, applicable federal tax purpose, and IRS requirements.

We do not guarantee ITIN approval or processing time.

7Tax Return Preparation Is Separate

The $399 ITIN Application Assistance fee does not include preparation of a federal or state income tax return unless specifically stated in a separate written engagement.

Certain ITIN applications may require an accompanying federal tax return unless an applicable IRS exception applies.

If tax-return preparation is required, the service will be quoted separately.

8Combined Formation + ITIN Package

For eligible clients needing both services, we may offer:

U.S. Business Formation + ITIN Assistance — $598 in professional service fees

This generally represents:

• $199 Business Formation Starter Package, plus
• $399 ITIN Application Assistance.

Applicable state, government, registered-agent, shipping, tax-preparation, and third-party costs remain additional.

The $598 price should not be interpreted as the total cost of establishing and operating a U.S. business.

9No Guarantee of Tax Savings

Formation of an LLC, corporation, or other business entity does not automatically create a tax deduction or reduce taxes.

Any potential tax benefit depends on the owner’s circumstances, business activity, income, expenses, tax classification, elections, and applicable tax law.

References to tax-reduction strategies are educational only unless a separate individualized tax-planning engagement has been established.

Optimum Tax Pro does not guarantee any particular tax savings.

10Business Credit and Financing Disclaimer

Business-credit guidance provided under this campaign is introductory and educational.

We do not guarantee:

• a particular business credit score;
• approval for vendor credit;
• bank financing;
• loans;
• lines of credit;
• credit cards;
• funding amounts;
• interest rates; or
• approval by any financial institution.

Lenders, banks, credit bureaus, vendors, and other providers establish their own eligibility and underwriting requirements.

11Banking Disclaimer

Optimum Tax Pro may provide general guidance regarding documents and preparation for opening a business bank account.

We are not a bank and cannot guarantee that any financial institution will open or maintain an account for a client.

Banks may impose additional requirements relating to physical addresses, beneficial ownership, identification, foreign ownership, business activity, compliance, or other factors.

12Business Address, Phone, Domain and Email Services

Virtual business addresses, telephone services, domain names, professional email, websites, or other business infrastructure may be provided by third parties or through related service providers.

These services are not included in the $199 formation fee unless expressly stated.

Digital-business services such as domain registration, professional email setup, website development, or related infrastructure may be provided separately through eBusinessBrain.

A business domain, professional email, phone number, or virtual address does not guarantee bank-account approval, business credit, financing, or regulatory acceptance.

13Affiliate and Referral Disclosure

Optimum Tax Pro may recommend third-party products or services that may be useful to business owners. These may include providers of:

• virtual business addresses;
• virtual office services;
• telephone systems;
• banking-related resources;
• software; and
• other business services.

Optimum Tax Pro may receive compensation if you purchase certain services through our referral links.

Where applicable, we will disclose that relationship.

Third-party providers establish their own pricing, eligibility requirements, contracts, privacy policies, refund policies, and service terms.

Optimum Tax Pro does not control and is not responsible for the performance, availability, approval decisions, or actions of third-party providers.

14No Legal or Immigration Services

Unless expressly stated otherwise through a separate qualified professional engagement, Optimum Tax Pro does not provide legal representation or immigration services.

Business formation assistance does not replace legal advice regarding complex ownership, securities, contracts, shareholder disputes, asset protection, customized operating agreements, or other legal matters.

ITIN assistance is a federal tax-identification service and does not provide immigration status, work authorization, citizenship, Social Security benefits, or immigration rights.

Clients should consult an attorney or other qualified professional when legal or immigration advice is required.

15Accuracy of Client Information

Clients are responsible for providing accurate, complete, and timely information.

Optimum Tax Pro may rely on information and documentation supplied by the client when preparing filings, applications, or other work.

The client is responsible for reviewing documents for accuracy before signing or authorizing submission.

Delays, rejections, additional fees, or other consequences caused by incomplete, inaccurate, inconsistent, or late information may require additional work and charges.

16Government Processing and Approval

State agencies, the IRS, banks, licensing authorities, credit providers, and other third parties control their own approval and processing procedures.

Optimum Tax Pro cannot guarantee:

• business-name approval;
• entity formation approval;
• EIN issuance;
• ITIN issuance;
• processing times;
• bank-account approval;
• license approval;
• business-credit approval;
• loan approval; or
• any particular government or third-party outcome.

Estimated processing times are informational and may change.

17Service Availability

Services may be subject to eligibility, jurisdictional limitations, documentation requirements, workload, government restrictions, or other professional considerations.

Optimum Tax Pro reserves the right to decline or discontinue an engagement when appropriate, including where requested services fall outside our scope, required documentation is unavailable, compliance concerns exist, or additional professional expertise is required.

18Payment and Additional Services

Professional fees must be paid according to the invoice, checkout page, engagement agreement, or other payment terms provided for the applicable service.

Services outside the stated scope will be quoted separately.

No additional paid service will be added without disclosure of the additional charge.

Government and third-party costs may be payable directly to the applicable provider or collected for remittance, depending on the service.

19Cancellations and Refunds

Refund eligibility depends on the status of the engagement and the specific service purchased.

Government filing fees and third-party charges are generally subject to the refund policies of the applicable government agency or provider and may become non-refundable once submitted or incurred.

Professional fees may become partially or fully earned once substantive preparation, review, filing, consultation, document authentication, or other work has begun.

Any service-specific cancellation or refund terms provided in an invoice, checkout page, engagement letter, or service agreement will control.

Questions concerning cancellation should be directed to Optimum Tax Pro as soon as possible.

20Free Guide and Promotional Offers

The U.S. Business Formation Starter Guide is provided free for educational purposes.

Downloading the guide does not obligate you to purchase any service.

Promotional pricing, bonuses, packages, or offers may be changed, extended, limited, or discontinued at any time unless you have already entered into an accepted paid engagement under stated terms.

21Email, SMS and WhatsApp Communications

By providing your email address and requesting our guide or information, you authorize us to send the requested material and related communications subject to our Privacy Policy.

Marketing SMS or WhatsApp communications are subject to separate consent where required.

Consent to receive SMS or WhatsApp promotional messages is not a condition of purchasing our services.

You may unsubscribe or opt out using the instructions included with the applicable communication.

22Intellectual Property

The U.S. Business Formation Starter Guide, campaign materials, checklists, written content, graphics, training materials, trademarks, branding, and other original materials provided by Optimum Tax Pro are intended for the recipient’s personal or internal business use.

They may not be copied, republished, sold, distributed commercially, or represented as another person’s work without written permission.

23Privacy

Personal information collected through this campaign is handled according to our Privacy Policy.

Please review the Privacy Policy before submitting personal information.

24Changes to These Terms

We may update these Terms periodically to reflect changes in our services, pricing, business practices, technology, or applicable requirements.

Updates will become effective when posted, unless otherwise stated.

25Contact Information

Questions about these Terms or campaign services may be directed to: