Terms of Service

Effective Date: May 18, 2026 · Version 2026.05.18

1. Acceptance of Terms

By accessing TaxMint.ai (the "Service"), you agree to these Terms. If you are using the Service on behalf of a business or entity, you represent that you have the authority to bind that entity to these Terms.

2. Description of Service

TaxMint.ai provides informational tax modeling and educational tools. The Service is a platform for data visualization and hypothetical scenario modeling; it is not a financial filing system. TaxMint.ai does not currently support electronic filing of tax returns.

3. Important Tax & Legal Disclaimer

TAXMINT.AI IS NOT A REGISTERED TAX PREPARER, CPA, OR LEGAL ADVISOR.

  • Estimates only: All results are mathematical hypotheses based on user-provided data and current tax logic.
  • No professional relationship: Use of the Service does not create a fiduciary, advisory, or professional-client relationship.
  • User responsibility: You are solely responsible for the accuracy of data entered. You should verify all results with a qualified tax professional before filing any returns.

4. User Accounts & Security

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Because the Service handles sensitive financial data, Multi-Factor Authentication (MFA) is required for all accounts.

5. Subscription and Payment

Payments are handled by Stripe. We reserve the right to change subscription pricing upon 30 days' notice.

You may cancel your subscription at any time from your billing settings. When you cancel via the Stripe Customer Portal, you retain access through the end of your current paid period; we do not provide refunds for the unused portion. If you instead choose to permanently delete your entire account workspace (via Profile → Delete Account), your subscription is cancelled immediately, all active tax profiles are un-recoverably crypto-shredded, and all local billing invoice records linked to your user identity are instantly and permanently deleted from our active database systems.

5.1 Free Trial

New subscribers receive a 7-day free trial. The trial automatically converts to a paid subscription unless cancelled before the trial ends. You will receive a reminder email three days before your trial ends with a one-click cancellation link, and you can cancel at any time from your billing settings.

Once you are charged, your bank statement will show a TaxMint.ai descriptor with a brief "trial converted" note for the first paid cycle.

6. Account Termination & Data Deletion

You may delete your account at any time from your profile settings. Account deletion is irreversible. The deletion path:

  • Removes your data from live systems immediately.
  • Cancels any active subscription immediately (no refund for the remainder of the paid period — use the cancellation flow in §5 if you want to retain access through the end of the period).
  • Deletes billing records linked to your account in our systems. Stripe retains its own payment records.
  • Crypto-shreds the family encryption key, rendering encrypted backups unreadable.

Audit-log entries (see Privacy Policy §6.4) survive deletion as the legal record of access events; they are PII-free by design.

7. AI-Powered Features & Third-Party Processors

The Service uses AI for the OBBBA tax auditor and related verification flows.

  • Runtime AI: Google Gemini via Google Vertex AI in our dedicated Google Cloud project. Personally Identifying Information is removed from prompts before transmission (see Privacy Policy §4). No data is used to train public models.
  • No guarantee of accuracy: AI-generated content may be incomplete, inaccurate, or "hallucinated." All AI outputs must be treated as suggestions for further investigation, not as factual tax determinations.
  • Conditional debug access (Anthropic Claude): When you submit a bug report and grant data access via the "Allow support team to access my data" checkbox, our engineering team may use Anthropic's Claude (commercial Developer API) to assist with debugging. This is governed by the break-glass consent flow described in Privacy Policy §11 and is not part of the runtime audit pipeline.
  • Third-party services: The Service relies on the following third-party processors: Supabase (authentication only), Google Cloud Platform (hosting, storage, KMS, Cloud Scheduler), Google OAuth + Apple Sign-In (sign-in), Google Vertex AI / Gemini (runtime AI audit), Anthropic Claude (conditional debug-only — see Privacy Policy §4.1 + §11), Stripe (payments), Resend (transactional email), Yahoo Finance (market data, on-demand ticker requests only), PostHog (product analytics — pseudonymous, consent-gated, no PII), and Sentry (PII-scrubbed application error tracking). A detailed breakdown is in the Privacy Policy, Section 8.

8. Data Export & Portability

The Service provides a one-click data export from your profile page. You may export all data you have entered at any time. See the Privacy Policy for details.

9. Intellectual Property

You retain ownership of the data you enter into the Service. All content, features, functionality, code, and the specific logic used to anonymize and process tax data via AI are owned by TaxMint.ai and are protected by copyright, trademark, and other intellectual property laws.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

  • Accuracy: We are not liable for any errors in tax calculations, whether caused by software bugs or AI inaccuracies.
  • Penalties: TaxMint.ai shall not be liable for any IRS or state tax penalties, interest, or audits resulting from your use of or reliance on the Service.
  • Data loss: We are not liable for any loss of data or financial records resulting from service interruptions, system failures, or account deletions initiated by the user.
  • Cap: Our total aggregate liability for all claims arising out of or relating to these Terms or the Service shall not exceed the amount you paid us in the twelve (12) months preceding the claim.

11. Indemnification

You agree to defend TaxMint.ai against any claims arising from your misuse of the Service or your reliance on the Service for official tax filings.

12. Dispute Resolution & Class Action Waiver

Any disputes shall be resolved via binding arbitration through the American Arbitration Association (AAA). You waive your right to participate in a class-action lawsuit or class-wide arbitration.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware.

14. Contact

If you have questions about these Terms or need to report an issue, please contact us at:

TaxMint.ai Email: legal@taxmint.ai