Terms & Conditions

Welcome to the website of CM Tax & Insurance Solutions Group. These Terms & Conditions govern your use of our website, online resources, forms, scheduling features, and other digital services available through www.cmtaxandinsurance.com.

By accessing or using this website, you acknowledge and agree to these Terms & Conditions. If you do not agree with these terms, please discontinue use of the website.

1. About Our Services

CM Tax & Insurance Solutions Group provides professional services that may include:

• Tax preparation, tax planning, and advisory services

• Personal and commercial insurance solutions

• Bookkeeping and related financial support services

• Business planning and development services

• Financial and business education

• Other related professional services

The availability and scope of services may vary depending on client needs, applicable licensing requirements, jurisdiction, carrier availability, professional requirements, and separate service agreements.

2. Website Information Is for General Purposes

Information provided on this website is intended for general informational and educational purposes and should not be considered individualized tax, legal, accounting, insurance, investment, or financial advice.

Information presented on the website may not address your specific circumstances.

You should consult with an appropriately qualified professional regarding decisions involving your individual tax, financial, insurance, legal, or business circumstances.

3. No Professional or Client Relationship Created by Website Use

Accessing this website, submitting an inquiry, requesting information, scheduling an appointment, or communicating with CM Tax & Insurance Solutions Group through the website does not, by itself, establish a professional or client relationship.

A professional engagement may require additional documentation, information, eligibility review, payment, signed agreements, or other onboarding requirements.

When a separate engagement letter, service agreement, insurance application, policy, carrier document, or other written agreement applies, the terms of that document will govern the applicable service.

4. Tax Services

Tax information provided through this website is general in nature and should not be relied upon as individualized tax advice.

Tax laws, regulations, filing requirements, credits, deductions, and interpretations may change and may apply differently depending on individual circumstances.

Tax preparation or advisory services are subject to separate engagement requirements and the timely provision of complete and accurate information by the client.

CM Tax & Insurance Solutions Group does not guarantee a particular refund, deduction, credit, tax liability, or tax outcome.

5. Insurance Services

Insurance information provided through this website is for general informational purposes and does not constitute an insurance binder, policy, guarantee of coverage, or guarantee of eligibility.

Insurance products, premiums, underwriting requirements, eligibility, coverage terms, exclusions, limits, and availability are determined by the applicable insurance carrier and may vary by state and individual circumstances.

Submitting a quote request, completing an online form, scheduling an appointment, or making a payment does not by itself bind, activate, modify, or guarantee insurance coverage.

Coverage is subject to carrier approval and applicable policy terms and conditions.

6. Bookkeeping Services

Information regarding bookkeeping services is provided for general informational purposes.

Specific bookkeeping responsibilities, deliverables, client responsibilities, schedules, fees, and other terms will be established through the applicable service agreement or engagement documentation.

Clients remain responsible for providing complete, accurate, and timely financial records and information necessary to perform the agreed-upon services.

7. Business Planning & Development Services

Business planning and development services are designed to provide education, organization, strategic guidance, and planning support.

Business results depend on numerous factors outside the control of CM Tax & Insurance Solutions Group. Accordingly, we do not guarantee specific revenue, profitability, financing, growth, operational, or other business outcomes.

Business planning and development services do not constitute legal advice, investment advice, or a guarantee of business performance.

8. Appointments and Online Scheduling

Appointments may be scheduled through our website or other approved scheduling methods.

Submitting an appointment request does not guarantee acceptance of an engagement or availability of a particular service.

We ask clients and prospective clients to provide accurate contact information and notify us as soon as reasonably possible when an appointment must be changed or canceled.

9. Quotes and Third-Party Platforms

Our website may provide access to insurance quote platforms, carrier websites, scheduling services, payment processors, document portals, or other third-party resources.

These services may be operated independently and may have their own terms, conditions, privacy practices, and security procedures.

CM Tax & Insurance Solutions Group is not responsible for the operation, availability, content, or privacy practices of third-party websites or platforms that we do not control.

10. Electronic Communications and SMS Messaging

When you provide your contact information and consent to receive communications, CM Tax & Insurance Solutions Group may communicate with you electronically, including by email or SMS/text message, as permitted by applicable law and your communication preferences.

Participation in SMS messaging programs is subject to the SMS terms and privacy provisions contained in our Privacy Policy.

Consent to receive marketing text messages, where applicable, is not a condition of purchasing services.

11. Payments and Fees

Fees for professional services may vary depending on the nature, complexity, and scope of the work requested.

Applicable fees, payment requirements, retainers, deposits, cancellation terms, or refund provisions may be communicated through service descriptions, invoices, engagement letters, or other agreements.

Where a separate written agreement contains payment terms, those terms govern the applicable engagement.

12. Accuracy of Information Provided by Users

You agree to provide accurate, current, and complete information when submitting forms, requesting quotes, engaging our services, or communicating with us.

CM Tax & Insurance Solutions Group is not responsible for consequences resulting from inaccurate, incomplete, misleading, or untimely information provided by a client or website user.

13. Privacy and Confidentiality

Your privacy is important to us.

Our collection and handling of personal information through this website are addressed in our Privacy Policy.

Additional confidentiality requirements may apply to specific tax, insurance, bookkeeping, or other professional engagements.

14. Intellectual Property

Unless otherwise stated, the content of this website—including text, graphics, branding, educational materials, downloadable resources, publications, designs, and other original content—is owned by or licensed to CM Tax & Insurance Solutions Group and is protected by applicable intellectual property laws.

Website content may not be copied, reproduced, distributed, republished, sold, or commercially exploited without prior written permission, except as otherwise permitted by law.

15. Acceptable Use

You agree not to use this website:

• For unlawful, fraudulent, or malicious purposes

• To interfere with the operation or security of the website

• To attempt unauthorized access to systems or information

• To transmit harmful software or malicious code

• To misuse forms, scheduling systems, communication tools, or other website features

• To infringe upon the rights of CM Tax & Insurance Solutions Group or others

We reserve the right to restrict access to the website when reasonably necessary to protect our systems, business, clients, or legal rights.

16. No Guarantee of Website Availability

We strive to maintain accurate and accessible website information; however, we do not guarantee that the website will always be uninterrupted, error-free, current, or available.

Website content, services, features, and functionality may be modified, suspended, or discontinued when necessary.

17. Limitation of Liability

To the extent permitted by applicable law, CM Tax & Insurance Solutions Group will not be responsible for indirect, incidental, consequential, or special damages arising solely from the use of, or inability to use, this website or reliance upon general information presented on the website.

Nothing in these Terms & Conditions is intended to limit rights or responsibilities that cannot legally be limited under applicable law.

18. Changes to These Terms

We may update these Terms & Conditions periodically to reflect changes to our website, services, business practices, or applicable requirements.

Changes will become effective when posted to this website unless otherwise stated.

The Effective Date at the top of this page will indicate the most recent revision.

19. Governing Law

These website Terms & Conditions are governed by applicable laws of the State of North Carolina and the United States, without regard to conflict-of-law principles, except where applicable law requires otherwise.

20. Contact Us

Questions regarding these Terms & Conditions may be directed to:

CM Tax & Insurance Solutions Group
Email: admin@cmtaxandinsurance.com
Toll-Free / SMS: (888) 479-2505
Local: (919) 801-9600
Website: www.cmtaxandinsurance.com
Business Hours: By Appointment Only