OVERTIME FINANCIAL SOLUTIONS, LLC
TERMS OF SERVICE
Effective Date: September 24, 2026
These Terms of Service (“Terms”) govern your access to and use of the Overtime Financial Solutions, LLC website, online resources, forms, programs, and services.
By accessing our website, submitting an application or inquiry, purchasing a service, or otherwise using OFS services, you agree to these Terms to the extent applicable to your interaction with OFS.
Certain OFS services may be governed by a separate service agreement, engagement agreement, enrollment agreement, disclosure, authorization, or other contract. If a separate written agreement conflicts with these general Terms concerning a specific service, the terms of the specific agreement will control to the extent of that conflict.
1. About Overtime Financial Solutions
Overtime Financial Solutions, LLC provides services that may include tax preparation, credit-improvement services, funding strategies, business advisory services, financial education, and professional training or mentorship programs.
The specific scope, price, requirements, and terms applicable to a service may be described in a separate agreement or offer.
2. No Guarantee of Results
Financial circumstances differ from person to person.
OFS does not guarantee any particular tax refund, credit-score increase, deletion of accurate information, loan or funding approval, funding amount, interest rate, business revenue, income level, or other financial result unless a specific written guarantee is expressly provided in a separate legally binding agreement.
Examples, testimonials, client outcomes, educational examples, and marketing materials represent individual experiences or illustrations and should not be interpreted as promises that another client will receive the same outcome.
3. Tax Preparation Services
Clients are responsible for providing complete, accurate, and timely information necessary to prepare their tax returns.
OFS may rely upon information and documentation provided by the client when preparing a return.
Clients remain responsible for reviewing their tax return and confirming the accuracy of the information before signing or authorizing filing.
A refund estimate is not a guarantee that the IRS or another taxing authority will issue that amount or issue a refund within a particular period.
The IRS and state taxing authorities determine acceptance, processing, offsets, examinations, adjustments, and issuance of refunds.
OFS may require clients to use designated secure systems to transmit sensitive tax documentation.
4. Credit-Improvement Services
Credit-related results depend on numerous factors, including the accuracy and status of information appearing on a consumer’s credit file, actions taken by creditors or furnishers, consumer reporting agencies, and the client’s ongoing financial behavior.
OFS does not guarantee:
A specific credit-score increase;
Removal of accurate, current, and verifiable negative information;
Removal of a particular account;
Approval for credit;
A particular interest rate; or
Completion within a particular timeframe unless expressly stated in a separate written agreement.
Credit monitoring and credit-report information may be provided through independent third-party services, including Credit Hero. Those third-party services are subject to their own agreements, pricing, availability, and privacy practices.
5. Funding and Business Advisory Services
OFS may provide information, strategy, education, or assistance concerning business or personal funding opportunities.
OFS does not control the underwriting decisions of lenders, banks, credit union
6. Educational Programs and Tax Professional Training
OFS may provide courses, mentorships, training programs, educational materials, templates, systems, strategies, and other educational resources.
Participation in an OFS educational program does not guarantee employment, clients, revenue, tax-preparation volume, profitability, or a specific amount of income.
Participants remain responsible for satisfying applicable federal, state, professional, licensing, registration, PTIN, continuing-education, or other requirements associated with the work they choose to perform.
Specific training programs may have additional enrollment agreements, attendance requirements, payment terms, refund policies, confidentiality obligations, or program rules.
7. Fees, Payments, and Refunds
Prices may vary according to the service requested, complexity of work, program selected, or other applicable factors.
Fees will be disclosed through applicable pricing materials, invoices, service agreements, enrollment agreements, checkout pages, or other communications.
Unless otherwise stated in the agreement governing a particular service, payments are due according to the terms presented at purchase or enrollment.
Deposits, retainers, enrollment fees, or other payments may be non-refundable when expressly identified as such before payment.
Any service-specific cancellation or refund policy contained in a separate written agreement controls over this general section.
8. Client Responsibilities
You agree to provide truthful, complete, current, and accurate information to OFS.
You agree not to knowingly submit fraudulent, altered, misleading, stolen, or falsified documentation.
You are responsible for reviewing documents, applications, tax returns, agreements, and other materials requiring your authorization before signing or approving them.