Terms & Conditions

Effective January 1, 2026

1. Acceptance of Terms

These Terms and Conditions ("Terms") govern your use of the services, website, and Client Portal provided by Jo's Tax & Payroll Co. ("we," "us," "our"), located in the Ottawa Region, Ontario, Canada.

By engaging our services, using our website, or uploading documents through our Client Portal, you agree to be bound by these Terms. If you do not agree, please do not use our services.

2. Our Services

Jo's Tax & Payroll Co. provides professional tax preparation, payroll processing, bookkeeping, and financial advisory services for individuals and businesses. Specific services are defined in your individual service agreement or engagement letter.

We reserve the right to refuse or discontinue services at our discretion, including in cases where we cannot verify the accuracy of provided information or where services would conflict with applicable professional standards.

3. Client Obligations

As a client, you agree to:

• Provide complete, accurate, and timely information required to perform the requested services
• Notify us promptly of any changes to your financial situation, business structure, or personal circumstances relevant to your file
• Review all completed documents (tax returns, payroll records, filings) before authorizing submission
• Retain copies of all documents and filings provided to you for your own records
• Respond to our requests for additional information within a reasonable timeframe
• Comply with all applicable tax laws and regulations

4. Fees & Payment

Fees for our services are agreed upon in advance and outlined in your service agreement or engagement letter. Unless otherwise specified:

• Payment is due upon completion of services unless a payment plan has been arranged
• We reserve the right to withhold completed returns or documents until outstanding fees are paid
• Additional work beyond the agreed scope may incur additional fees, which will be communicated to you before the work is performed
• Returned payments (NSF) may be subject to an administrative fee

We offer flexible payment arrangements for clients who require them. Please speak with us before your file is completed if you anticipate any payment difficulties.

5. Accuracy of Information & Client Responsibility

You are ultimately responsible for the accuracy of information filed with the Canada Revenue Agency (CRA) or any other government body on your behalf. We will prepare filings based on information you provide and our professional judgment, but we cannot independently verify all information submitted to us.

If the CRA or another authority reassesses your account based on information you provided to us, any resulting taxes, interest, or penalties are your responsibility.

6. Client Portal Use

Our Client Portal allows you to securely upload documents to our office. By using the portal, you agree to:

• Upload only documents that are relevant to your file and that you have the legal right to share
• Not upload any malicious files, viruses, or content that is illegal or harmful
• Ensure that any documents containing third-party personal information (e.g., employee records) have been collected and shared in compliance with applicable privacy laws
• Accept that uploaded documents are stored on our secure server and handled in accordance with our Privacy Policy

We are not responsible for any technical failures during file upload. If you do not receive a confirmation email after uploading, please contact us directly to confirm receipt.

7. Confidentiality

We treat all client information as strictly confidential. We will not disclose your personal or financial information to any third party except:

• As required to complete your requested services (e.g., CRA filings)
• As required by law or lawful government authority
• With your explicit written consent

Our confidentiality obligations survive the termination of our service relationship and continue indefinitely.

8. Limitation of Liability

To the maximum extent permitted by applicable law, our total liability to you for any claim arising from our services shall not exceed the total fees paid by you for the specific service that is the subject of the claim in the twelve (12) months preceding the claim.

We are not liable for:

• Any indirect, consequential, incidental, or special damages
• Penalties, interest, or reassessments arising from information you provided that was inaccurate or incomplete
• Losses resulting from your failure to review and approve completed work before submission
• Delays caused by late submission of required documents by you
• Changes in tax law or CRA policy that affect your return after filing

9. Deadlines & Delays

Tax filing deadlines (e.g., April 30 for personal returns, June 15 for self-employed individuals) are set by the CRA and are your responsibility to be aware of. We will make every effort to complete your filings on time when documents are received with sufficient lead time.

We are not responsible for missed deadlines or resulting penalties if:

• Required documents were not provided to us within a reasonable timeframe before the deadline
• You did not respond to our requests for additional information in time
• Delays were caused by circumstances outside our reasonable control

10. Termination of Services

Either party may terminate the service relationship at any time with reasonable written notice. Upon termination:

• You are responsible for fees incurred up to the date of termination
• We will return or provide copies of your documents upon request
• We will retain copies of completed work for the applicable legal retention period

We reserve the right to immediately terminate services in cases of non-payment, fraud, misrepresentation, or where continuing the relationship would violate applicable professional or legal standards.

11. Governing Law

These Terms and any disputes arising from our services shall be governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any legal proceedings shall be brought in the courts of Ontario.

12. Changes to These Terms

We may update these Terms from time to time. Changes will be posted on this page with a revised "Last Updated" date. Continued use of our services after changes constitutes acceptance of the updated Terms. For significant changes affecting active client relationships, we will provide notice by email.

13. Contact Us

If you have questions about these Terms, please contact us: