STRATFORD TAX & WEALTH GROUP – TERMS, CONDITIONS & POLICIES
Effective Date: February 24, 2024
Welcome to the official website of Stratford Financial Solutions, Inc., doing business as Stratford Tax & Wealth Group, accessible at www.stratfordtaxgroup.com. Your access to and use of this website, including any communication with Stratford representatives or submission of forms, documentation, or payments through this platform, constitutes your binding agreement to the terms and conditions set forth herein. If you do not fully agree to these terms, you are prohibited from using this site and must immediately discontinue all access and communication with Stratford.
All content, design, branding, documents, media, trademarks, and proprietary material available on this website are the exclusive intellectual property of Stratford Financial Solutions, Inc. and its licensors. The Stratford Tax & Wealth Group name, logo, brand identifiers, educational materials, and publications are protected by federal and Texas trademark and copyright laws, including the Lanham Act. Unauthorized use, reproduction, or imitation of any kind is strictly prohibited and will result in immediate legal action to the fullest extent permitted by law.
This website is developed to streamline the delivery of our core services, including federal and state tax preparation, accounting, financial consulting, entity planning, tax lien assistance, and access to proprietary educational content. Users may use the website to submit documentation, complete intake forms, schedule services, upload personal financial records, and purchase classes, books, or consultative products. In using any of these features, you are engaging in a commercial relationship with Stratford Financial Solutions, Inc. governed exclusively by these Terms.
All services and products offered through this website are subject to rigid, non-negotiable conditions. Once a purchase is made—whether it involves the scheduling of a consultation, the submission of payment for a service, or the acquisition of a digital or physical product—the transaction is final. There are no refunds, no cancellations, no chargebacks, and no exceptions. This finality is effective immediately upon submission of payment and applies regardless of delivery, access status, usage, or satisfaction. By proceeding with any purchase, you affirmatively acknowledge your full, knowing, and voluntary acceptance of this no-refund policy.
This policy is fully authorized and enforceable under both Texas and federal law. Under Texas law, there is no statutory requirement to offer refunds, and pursuant to Tex. Bus. & Com. Code § 17.46(b)(24), a no-refund policy is valid so long as it is not concealed or misrepresented. At the federal level, 15 U.S.C. § 45(a)(1) (FTC Act) expressly permits the denial of refunds when clearly disclosed, and the FTC Cooling-Off Rule, 16 C.F.R. § 429.0 et seq., does not apply to sales made online or at a business’s permanent location. Accordingly, all users are placed on notice that once payment is made, no transaction may be canceled, modified, reversed, or disputed for any reason.
Any unauthorized chargeback or payment reversal will be treated as willful fraud. Stratford will pursue recovery through all legal remedies available, including civil litigation, referral to law enforcement, and reporting to credit agencies. In accordance with Tex. Penal Code § 32.41, fraudulent chargebacks constitute criminal conduct. In addition, failure to pay under any signed agreement, promissory note, or accepted payment plan shall be prosecuted as theft of service under Tex. Penal Code § 31.04. Intent to defraud is presumed if payment is not made within ten (10) days of demand. Stratford will seek full recovery of all outstanding amounts, plus interest, penalties, attorneys’ fees, and costs of enforcement.
Clients are expected to provide complete, accurate, and truthful information in all interactions with Stratford, whether via online form, email, phone, or other means. Any misrepresentation, omission, or fraudulent submission will result in immediate termination of services, forfeiture of all payments, and potential civil or criminal consequences. Clients are solely responsible for timely compliance with all document requests, filing obligations, and service timelines. Stratford is not liable for any delay, penalty, or adverse outcome arising from the client’s failure to provide required documentation or accurate information.
All emails, communications, invoices, and written notices sent by Stratford are contractually binding. By receiving and not objecting to communications sent by Stratford Financial Solutions, Inc., whether or not you access the website directly, you consent to be governed by these Terms and the published Privacy Policy. Receipt, acknowledgment, or non-rejection of any such communication constitutes binding agreement under Texas law and establishes your commercial relationship with Stratford.
Users may post reviews, testimonials, or comments on public areas of the website. These submissions reflect personal opinions only and do not represent the views of Stratford. Stratford disclaims all liability for third-party content and reserves the unrestricted right to remove, restrict, or report any submission deemed defamatory, abusive, fraudulent, infringing, or unlawful in its sole discretion.
Stratford Financial Solutions, Inc. is not a licensed escrow company and does not hold itself out as such. If Stratford facilitates a payment transfer, remittance, or neutral fund distribution—such as for IRS resolution—it is solely as a one-time courtesy and not as a licensed escrow provider. No fiduciary duty or regulatory obligation is assumed, and the client agrees not to treat Stratford’s role as equivalent to that of a licensed escrow agent or trust company.
Nothing on this website constitutes legal, tax, or financial advice. All material is offered strictly for educational and informational purposes. You are solely responsible for seeking independent legal or tax advice for your individual situation. Stratford disclaims all express and implied warranties, including fitness for a particular purpose and accuracy of outcomes. No fiduciary relationship is created unless explicitly documented in a signed agreement.
Any dispute, claim, or controversy arising from the use of this website, services rendered, payments made, or communication with Stratford shall be resolved exclusively through binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Rules. The arbitration shall be held in Gregg County, Texas. Users waive any right to class actions, jury trials, or consolidated claims. These Terms shall be governed exclusively by the laws of the State of Texas, without regard to conflict-of-law rules. All enforcement actions shall be brought in Gregg County, Texas.
Stratford reserves the right to amend or update these Terms at any time without notice. Continued use of this website or its services after any such amendment constitutes full acceptance. It is your responsibility to review these Terms periodically to remain informed of your rights and obligations.
All legal inquiries, service of process, or communications related to these Terms shall be directed to the address below:
Stratford Tax & Wealth Group
Stratford Financial Solutions, Inc.
414 E. Loop 281, Suite 17
Longview, TX 75605
Email: info@stratfordtaxgroup.com
CALIFORNIA LEGAL NOTICE ADDENDUM (CCPA & CAL. CIVIL CODE COMPLIANCE)
Effective Date: February 24, 2024
This section applies to users and clients who reside in or conduct transactions within the State of California. Stratford Financial Solutions, Inc., doing business as Stratford Tax & Wealth Group, complies with the California Consumer Privacy Act (CCPA), the California Privacy Rights Act (CPRA), and other applicable California statutes governing consumer rights and online commercial transactions.
Pursuant to California Civil Code § 1723, Stratford is not required to offer refunds for services or goods unless explicitly stated. As disclosed in the above Terms, Stratford maintains a strict no-refund, no-cancellation, and no-chargeback policy that is clearly communicated prior to purchase. This policy complies with California law so long as it is not misrepresented or concealed, and no deviation shall be made unless required by law.
In accordance with the CCPA (Cal. Civ. Code §§ 1798.100–1798.199.100), California residents have the following rights regarding their personal information:
The right to know what personal data is collected, used, shared, or sold;
The right to request deletion of personal data held by Stratford, subject to lawful exceptions;
The right to correct inaccurate personal data;
The right to opt out of any sale or sharing of personal data (Stratford does not sell user data);
The right to non-discrimination for exercising any CCPA rights.
These rights are described in detail in the Privacy Policy available at www.stratfordtaxgroup.com/privacy. Stratford does not sell or license personal information, and all data collection is solely for the purpose of service delivery, internal documentation, and legal compliance.
Any California resident wishing to exercise rights under the CCPA must submit a verifiable consumer request by email to admin@stratfordtaxgroup.com or by phone at (903) 215-8043. We may require proof of identity to process your request, and we will respond within the timeframes mandated by California law.
This addendum is incorporated into and made a part of Stratford’s general Terms and Conditions. By continuing to use this website or engage Stratford’s services, California users agree to be bound by this addendum in addition to the primary Terms.