Effective Date: January 1, 2025

1. Introduction
Welcome to www.rfg.tax ("Website"). These Terms and Conditions ("Terms") govern your use of our Website and services. By accessing or using our Website, you agree to be bound by these Terms. If you do not agree, please refrain from using our Website.

2. Use of Website

  • You must be at least 18 years old to use our Website.

  • You agree to use the Website for lawful purposes only and not to engage in any activity that may disrupt or damage the Website.

  • We reserve the right to modify, suspend, or discontinue any part of the Website without prior notice.

  • If you submit your phone number to us, you may receive promotional or informational messages from us on an annual, monthly, or weekly basis. You may Opt-Out at any time by responding ‘STOP’ to the message or by emailing us at roman@rfg.tax. You may also text ‘HELP’ for assistance. Message and data rates may apply.

3. Intellectual Property

  • All content on this Website, including text, graphics, logos, and images, is owned by or licensed to Romanchuk CPA LLC and is protected by copyright and trademark laws.

  • You may not reproduce, distribute, or use any content without our written permission.

4. Limitation of Liability

  • The Website and its content are provided "as is" without warranties of any kind.

  • We do not guarantee the accuracy, reliability, or completeness of any information on our Website.

  • Romanchuk CPA is not liable for any direct, indirect, incidental, or consequential damages resulting from your use of the Website.

5. Third-Party Links

  • Our Website may contain links to third-party websites for your convenience.

  • We do not endorse or assume responsibility for the content, privacy policies, or practices of any third-party sites.

6. Privacy Policy

  • Your use of our Website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.

7. Governing Law

  • These Terms are governed by and construed in accordance with the laws of the United States of America.

  • Any disputes arising from these Terms shall be resolved in the courts of the United States of America.

8. Changes to Terms

  • We reserve the right to update these Terms at any time. Changes will be posted on this page with the updated effective date.

9. Contact Information
If you have any questions regarding these Terms, please contact us at:

Romanchuk CPA LLC
PO Box 310, Budd Lake, NJ 07828
Email: roman@rfg.tax
Phone: 201-975-3335