Terms & Conditions
One Cent Financial Services, LLC
Effective Date: November 10, 2026
These Terms & Conditions ("Terms") apply to your use of 1centfinancial.com and the text message program of One Cent Financial Services, LLC ("One Cent," "we," "us," or "our"). By using our website or opting in to our text messages, you agree to these Terms.
1. Our Services
One Cent provides tax preparation, credit, and business formation services. Information on this website is general and is not tax, legal, or financial advice for your situation. Advice is provided only after you become a client and we review your documents.
Tools on this website, such as the refund estimator and document checklist, give estimates only. They are not a filed return or a guarantee of any refund, balance due, loan, or credit result. Refund advance loans are subject to bank approval.
2. SMS Text Message Program Terms
Program name: One Cent Financial Services text messages
Program description: When you opt in through a form on our website or another opt-in method, you agree to receive text messages from One Cent Financial Services at the number you provide. Messages may include appointment reminders, document requests, filing status updates, and customer support. Promotional messages, such as VIP list and filing season updates, are sent only if you separately opt in to them.
Consent: Consent to receive text messages is not a condition of any purchase.
Message frequency: Message frequency varies based on your interactions with us.
Rates: Message and data rates may apply.
Opt out: Reply STOP at any time to cancel. You will receive one final message confirming you are unsubscribed. To start again, reply START or opt in again on our website.
Help: Reply HELP for help, call 305-903-8648, or email [email protected].
Carrier liability: Carriers are not liable for delayed or undelivered messages.
Privacy: No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. See our Privacy Policy for how we handle your information.
3. Your Responsibilities
- Give accurate and complete information for your tax return and other services. You are responsible for the accuracy of the information you provide.
- Upload sensitive documents through our secure Client Portal, not by text message or email.
- Do not misuse the website, attempt to access it without authorization, or interfere with its operation.
4. Intellectual Property
All content on this website, including text, graphics, logos, and tools, belongs to One Cent Financial Services, LLC or its licensors. You may not copy or reuse it without our written permission.
5. Third-Party Links
Our website links to third-party sites, such as our client portal and government websites. We are not responsible for their content or practices.
6. Disclaimer & Limitation of Liability
The website is provided "as is." To the fullest extent allowed by law, One Cent is not liable for indirect or consequential damages arising from your use of the website or its tools. Our responsibilities for client services are set out in your client engagement agreement.
7. Governing Law
These Terms are governed by the laws of the State of Florida.
8. Changes to These Terms
We may update these Terms from time to time. The latest version will always be on this page with its effective date.
9. Contact Us
One Cent Financial Services, LLC
8440 NW 27th Ave, Unit 112, Miami, FL 33147
Phone: 305-903-8648
Email: [email protected]