1. Introduction

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Welcome to SonFed Financial & Insurance Services (“SonFed,” “we,” “us,” or “our”). By accessing or using our website, services, or any materials provided by SonFed, you agree to these Terms and Conditions (“Terms”). Please read them carefully.
If you do not agree with these Terms, you must not use our services.

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2. Scope of Services

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SonFed provides professional bookkeeping, accounting, tax preparation, and insurance advisory services.
All services are provided in accordance with applicable federal and state laws and professional standards.
We reserve the right to modify, suspend, or discontinue any service at our discretion without prior notice.

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3. Client Responsibilities

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Clients agree to:

• Provide accurate and complete information necessary to perform services

• Review all documents and filings before submission

• Maintain copies of records for their own reference

• Comply with all applicable tax and insurance regulations

SonFed is not responsible for delays or errors caused by incomplete or inaccurate information provided by the client.

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4. Fees and Payments

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• Fees are based on the type and complexity of the service provided.

• Payment is due at the time of service unless otherwise stated in a written agreement.

• Late payments may incur additional charges or result in service suspension.

• Refunds, if applicable, are governed by our Refund Policy.

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5. Confidentiality

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SonFed maintains strict confidentiality of all client information.
Data is protected using industry-standard security measures.
We will not disclose personal or financial information without the client’s consent, except as required by law.

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6. Limitation of Liability

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While SonFed strives for accuracy and compliance in all services, we cannot guarantee specific financial or tax outcomes.
SonFed and its representatives are not liable for:

• Any indirect, incidental, or consequential damages

• Errors resulting from client-supplied information

• Delays caused by third-party systems or government agencies

Our total liability shall not exceed the amount paid for the specific service provided.

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7. Professional Disclaimer

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All materials, advice, and information provided by SonFed are intended for general informational purposes and do not constitute legal, investment, or accounting advice.
Clients should consult appropriate professionals before making financial decisions.

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8. Intellectual Property

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All content, materials, and designs on SonFed’s website or provided in connection with services are the property of SonFed Financial & Insurance Services and may not be reproduced or distributed without written permission.

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9. Cancellation and Termination

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Either party may terminate services at any time with written notice.
If a client terminates before completion, charges will apply for all work completed up to the termination date.

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10. Governing Law

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These Terms are governed by and construed under the laws of the State of Texas, without regard to conflict-of-law principles.
Any disputes shall be resolved in the courts of El Paso County, Texas.

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11. Changes to Terms

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We may revise these Terms periodically. Updates will be posted on our website with the date of revision. Continued use of our services after such changes constitutes acceptance of the revised Terms.

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12. Contact Information

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If you have any questions about these Terms and Conditions, please contact:

SonFed Financial & Insurance Services
Email: trustsonfed@gmail.com
Phone: (915) 493-4145