Privacy of Information

You can view Our privacy statement (“VTAX Privacy Policy”) at https://VTAX.com/privacy-policy which describes Our use of information gained through Your use of these Services.  You agree to the VTAX Privacy Policy, and any changes published to it. You agree that We may use and maintain Your data according to VTAX Privacy Policy as part of the Services. You give Us permission to combine information You enter or upload for the Services with that of other users of the Services and/or other services we offer. For example, this means that We may use Your and other users’ non-identifiable, aggregated data to improve the Services or to design promotions and provide ways for You to compare business practices with other users. You also grant Umbrella International Group permission to share or publish results relating to research data and to distribute or license such data to third parties. We are a global company and may access or store personal information in multiple countries, including countries outside of Your own country to the extent permitted by applicable law.

VTAX may use Your personal data to perform analysis relating to Your claims under our guarantees, marketing purposes, or to seek information to provide You with a response to a request or inquiry made by You.

You are responsible for protecting the information on Your device such as by installing anti-virus software, updating Your software, password protecting Your files, and not permitting third-party physical or electronic access to Your devices.

If You are using the Services from a country other than the United States of America, You agree that You are using the Services for the purpose of providing Your own personal, financial, and other information unique to You, to governmental entities in the United States.  You acknowledge that Your personally identifiable information involving the VTAX Platform, and/or related third party service providers, and possibly including any additional communications with the Third-Party Tax Professional i) will be processed by Us according to Our own internal processes, policies, and procedures, which may include uses described in these Terms and in the VTAX Privacy Policy, ii) will be subject to search, inspection, and production in cooperation with law enforcement entities or in response to lawfully issued subpoenas or other demands for production pursuant to court order, or iii) will be subject to any other disclosure as may be required by law.  If You do not want Your personally identifiable information transmitted to governmental taxing authorities or subject to production to governmental or other entities pursuant to United States law, do not use the Services.

You are responsible for Your Content.  “Content” means all materials uploaded, posted or stored through Your use of the Services.

You grant Umbrella International Group a worldwide, royalty-free, non-exclusive license to host and use Your Content. Archive Your Content frequently. You are responsible for any lost or unrecoverable Content. You must provide all required and appropriate warnings, information, and disclosures. Umbrella International Group is not responsible for the Content or data You submit through the Services.

You agree that Umbrella International Group may use Your feedback, suggestions, or ideas in any way, including in future modifications of the Services, other products or services, advertising or marketing materials. You grant Umbrella International Group a perpetual, worldwide, fully transferable, sublicensable, non-revocable, fully paid-up, royalty free license to use the feedback You provide to Us in any way.

Umbrella International Group may, but has no obligation to, monitor Your Content on the Services. We may disclose any information necessary to satisfy Our legal obligations, protect Ourselves, Our customers, or Our affiliates (such as the Third-Party Tax Professionals), or to operate the Services properly. Umbrella International Group, in its sole discretion, may refuse to post, remove, or refuse to remove, any Content, in whole or in part, alleged to be unacceptable, undesirable, inappropriate, or in violation of these Terms.

You agree not to use, or permit any third party to use, the Services to upload, post, distribute, link to, publish, reproduce, engage in or transmit any of the following, including but not limited to:

Illegal, fraudulent, defamatory, obscene, pornographic, profane, threatening, abusive, hateful, harassing, offensive, inappropriate, or objectionable information or communications of any kind, including without limitation conduct that would encourage “flaming” others, or would incur criminal or civil liability under any local, state, federal or foreign law;

Content that would impersonate someone else or falsely represent Your identity or qualifications, or that constitutes a breach of any individual’s privacy;

Except as permitted by Us in writing, investment opportunities, solicitations, chain letters, pyramid schemes, other unsolicited commercial communications or engage in spamming or flooding; and

Virus, Trojan horse, worm or other disruptive or harmful software or data.

Through acceptance of these Terms, you consent to allow electronic communications, including any information or notices that We may be required by law to send to You or that may pertain to the Services or use of information You may submit in connection with the Services. We may provide such communications to You: (1) via e-mail at the e-mail address You designated to Us; (2) via “push notifications” to Your mobile device; (3) by access to Our website that will generally be designated in advance for such purpose or designated in an e-mail notice to You; (4) any messaging or chat application for computer or mobile device of Our choosing; or (5) in the course of Your use of the Services including, without limitation, via a screen or page within the VTAX Platform or via a link from within the VTAX Platform to a web page containing the communication.

To ensure proper receipt of all communications and notices, You are responsible for keeping Us apprised promptly of any change in Your email address, mailing address and/or phone number.

We may tell You about other Umbrella International Group or third-party services. You may be offered other services, products, or promotions by Umbrella International Group or a third party to which additional and/or supplemental terms and conditions and fees may apply.

Communication Portals

Pro Chat. The Services will include a communication portal or other social features to exchange Content and other information with Your Third-Party Tax Professional, related to Your Engagement (“Pro Chat”). We do not support and are not responsible for the exchanges in the Pro Chat. All opinions given will be supported solely by the Third-Party Tax Professional as an independent third-party contractor based solely on their professional opinion. As a pre-cautionary measure, in connection with the Services or in dealing with Your Third-Party Tax Professional, do not reveal information not related or necessary to Your tax preparation or other work to be performed by the Tax Professional.  Be aware of posted hypertext links to content of third parties for which We are not responsible.

Help Chat. The Services will include a communication portal or other social features to exchange Content and other information with Our customer support team, which we like to refer to as the VTAX “Success Team” (“Help Chat”). Through the Help Chat, You can contact VTAX’s Success Team, to receive help with any inquiries or issues that You may have regarding the VTAX Platform.

General

These Terms are the entire agreement between You and Umbrella International Group and replace all prior understandings, communications and agreements, oral or written, regarding the subject matter. The United Nations Convention on Contracts for the International Sale of Goods does not apply to these Terms. You cannot assign or transfer ownership of these Terms to anyone without Our written approval. However, We may assign or transfer without Your consent to (a) an affiliate, (b) a company through a sale of assets, or (c) a successor by merger or acquisition. Any assignment in violation of this section shall be void.

Use with your Mobile Device

Access to the Services may occur through an authorized mobile application and may not be available for all devices or telecommunication providers. You will need to check the Services website to ensure Your mobile device and telecommunications provider is compatible with the VTAX Platform.

Apple Requirements. To the extent that You are using Our Services on an iOS device, You further acknowledge and agree to this provision related to Apple Inc. (“Apple”). You acknowledge that these Terms are between you and VTAX only, not with Apple and Apple is not responsible for the Service and the content thereof.

Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the Services. In the event of any failure of the Services to conform to any applicable warranty, You may notify Apple and Apple will refund any applicable purchase price for the mobile application to You; and, to the maximum extent permitted by applicable law, Apple has no other warranty obligation whatsoever with respect to the Services.

Apple is not responsible for addressing any claims by You or any third party relating to the Services or Your possession and/or use of the Services, including, but not limited to:

Product liability claims;

Any claim that the Services fail to conform to any applicable legal or regulatory requirement; and

Claims arising under consumer protection or similar legislation

Apple is not responsible for the investigation, defense, settlement and discharge of any third-party claim that the Services and/or Your possession and use of the mobile application infringes that third party’s intellectual property rights. You agree to comply with any applicable third-party terms when using the Services. Apple and Apple’s subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary of these Terms.

You hereby represent and warrant that:

You are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a “terrorist supporting” country; and

You are not listed on any U.S. Government list of prohibited or restricted parties.