Terms of Service Guzman.MBA and Associates, L.L.C. Effective Date: March 9, 2026 Last Updated: March 9, 2026 1. Acceptance of Terms By accessing or using the websites taas-us.com and es.taas-us.com, or by engaging with any services, programs, or educational content offered by Guzman.MBA and Associates, L.L.C., operating as TAAS-US (Taxes and Accounting Solutions-US) and Oracle of Action™ (“Company,” “we,” “us,” or “our”), you agree to be bound by these Terms of Service. If you do not agree, please discontinue use immediately. 2. Services Provided We provide the following services and programs: Tax preparation and filing services (individual and business) Financial advisory and tax strategy consultation Business accounting and payroll services Business immigration tax strategy guidance Educational programs, including the TAAS-US Tax School Coaching and mentorship programs under the Oracle of Action™ methodology Digital educational content, eBooks, and courses 3. Educational Content — Orientation, Not Advice Important: All educational content, courses, AI-assisted tools, and Oracle of Action™ materials are provided for educational and informational purposes only. They constitute orientation, not professional tax, legal, financial, or accounting advice. No content on our websites or in our programs creates a professional client relationship unless a formal engagement agreement has been signed. For specific professional advice applicable to your individual situation, you must consult a licensed tax professional, attorney, or financial advisor. 4. Tax School and Educational Programs Enrollment in the TAAS-US Tax School and any other educational programs is subject to the following: Enrollment fees are due as specified at the time of registration Cohort schedules are set in advance; participants are responsible for attending scheduled sessions Completion of the program does not guarantee any specific professional outcome, certification, or employment Refund policies for specific programs will be communicated at the time of enrollment 5. Consultation and Professional Services When you engage our professional tax preparation, advisory, or accounting services: A formal engagement letter or service agreement will be provided Fees and scope of services will be clearly defined in writing You are responsible for providing accurate and complete information We are not liable for errors or omissions resulting from inaccurate information provided by the client 6. Intellectual Property All content on our websites, including but not limited to text, graphics, logos, course materials, the Oracle of Action™ methodology, and the Oracle of Action Foundation Prompt system, is the intellectual property of Guzman.MBA and Associates, L.L.C. and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, modify, or create derivative works from our content without express written permission. 7. AI-Assisted Tools Our websites and programs may include AI-assisted tools and agents operating under the Oracle of Action™ doctrine. These tools: Provide orientation and educational guidance only Do not constitute professional advice Are not a substitute for consultation with Julian O. Guzmán or another licensed professional May recommend scheduling a consultation when a situation requires professional judgment 8. Limitation of Liability To the fullest extent permitted by law, Guzman.MBA and Associates, L.L.C. shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our websites, services, or programs. Our total liability for any claim shall not exceed the amount you paid us for the specific service giving rise to the claim. 9. Disclaimer of Warranties Our websites and services are provided “as is” without warranties of any kind, express or implied. We do not warrant that our websites will be uninterrupted, error-free, or free of viruses or other harmful components. 10. Governing Law These Terms of Service shall be governed by and construed in accordance with the laws of the State of Utah, United States of America, without regard to its conflict of law provisions. 11. Dispute Resolution Any disputes arising from these Terms or your use of our services shall first be addressed through good-faith negotiation. If unresolved, disputes shall be submitted to binding arbitration in Salt Lake City, Utah, in accordance with applicable arbitration rules. 12. Changes to These Terms We reserve the right to modify these Terms of Service at any time. Changes will be effective upon posting to our website with an updated “Last Updated” date. Your continued use of our services after changes are posted constitutes acceptance of the revised terms. 13. Contact Us If you have questions about these Terms of Service, please contact us: Guzman.MBA and Associates, L.L.C. TAAS-US — Taxes and Accounting SolutionsUS 📞 1-833-926-2246 ✉️ [email protected] 🌐 taas-us.com These Terms of Service are provided for informational purposes and do not constitute legal advice. For specific legal guidance, consult a licensed attorney.