ARITS FINANCIAL GROUP

ASSURED RESULTS IN INTEGRATED TAX SOLUTIONS

Refund & Payment Policy

Effective date: August 24, 2026

ARITS values transparent pricing and clear expectations. This policy explains the general treatment of payments, earned fees, cancellations, and refund-review requests.

1. Purpose and Scope

This Refund and Payment Policy describes ARITS Financial Group Inc.’s general policies for consultations, tax preparation, tax planning, business services, bookkeeping, and other professional services. The invoice, booking disclosure, engagement letter, installment agreement, or written service agreement for a specific engagement may contain additional or different terms. If there is a conflict, the signed agreement controls.

2. Consultation and Discovery Fees

Paid consultation fees reserve professional time and compensate ARITS for preparation, review, and the scheduled session. Unless ARITS cancels the appointment or a written booking term states otherwise, consultation fees are non-refundable. A missed appointment or late cancellation does not automatically create a credit or refund. Any complimentary discovery call is limited to the scope and duration displayed during booking.

3. Retainers, Deposits, and Onboarding Fees

Retainers, deposits, setup fees, and onboarding fees may reserve capacity and cover initial work. Unless a signed agreement expressly states otherwise, amounts become earned as work is performed and are non-refundable to the extent earned. Any unused amount that is refundable under the controlling agreement will be calculated after outstanding fees, costs, and completed work are applied.

4. Tax Preparation and Filing Fees

Tax preparation fees compensate ARITS for professional work and are not based on the amount of a refund or balance due. Fees are generally non-refundable once preparation, review, consultation, document processing, e-filing setup, or other substantive work has begun. No refund is due because:

• A tax refund is smaller than expected, delayed, reduced, offset, intercepted, or denied.

• A return is rejected, selected for review, examined, or changed by a taxing authority.

• The client later provides missing, inaccurate, or changed information, or decides not to file after work has begun.

• The client disagrees with a lawful tax result after ARITS prepared the work from the information provided.

5. Tax Planning, Strategy, Business, and Recurring Services

Tax plans, entity analyses, setup work, bookkeeping, document review, and advisory services involve professional time and customized work product. Completed work and earned fees are non-refundable. Recurring services may be cancelled according to the controlling agreement; cancellation does not refund services already performed, capacity already reserved, or non-cancellable third-party costs.

6. Installment Payments and Late Payments

Payment plans are a convenience and do not convert earned fees into refundable amounts. The full contracted price remains subject to the signed agreement. ARITS may pause work, withhold delivery to the extent lawful, decline filing, or terminate an engagement for nonpayment. Late fees, returned-payment charges, or collection costs apply only when disclosed and permitted.

7. Third-Party Fees and Bank Products

Government filing fees, registered-agent charges, software or portal fees, merchant fees, shipping, transcript fees, bank-product charges, refund-transfer charges, and other third-party costs are governed by the provider and are generally non-refundable once incurred. ARITS cannot guarantee or control a third party’s refund decision.

8. Client Responsibilities

Clients must provide complete, accurate, timely, and supportable information; review documents; respond to requests; sign required authorizations; and meet payment and filing deadlines. Additional work caused by incomplete, late, inaccurate, or revised information may require an additional fee and ordinarily does not create a right to a refund.

9. ARITS Error or Cancellation

If ARITS cancels a paid service before performing substantive work, ARITS will refund the unearned portion of the fee. If ARITS makes a preparation error, ARITS will evaluate the matter under the engagement agreement and applicable professional obligations. A correction, amended filing, or other appropriate remedy may be offered; a full refund is not automatic. ARITS is not responsible for additional tax legally owed or for interest or penalties caused by client delay, omission, misstatement, or an authority’s action.

10. How to Request Review

Submit a written request to info@aritsfinancial.com within 14 calendar days after the disputed charge or service issue is identified. Include your name, service, invoice or payment date, amount, and a concise explanation. Do not email Social Security numbers, tax returns, bank details, or identity documents. ARITS may request identity verification or supporting information through a secure method. Requests are reviewed individually; submitting a request does not guarantee a refund.

11. Approved Refunds

Approved refunds are generally returned to the original payment method when practical. Processing times depend on the bank, card network, or payment provider. ARITS may provide a service credit instead of a refund only with the client’s agreement or when the controlling written terms expressly permit it.

12. Chargebacks and Disputes

Please contact ARITS first so we can review and attempt to resolve a concern. Nothing in this policy limits any non-waivable right to dispute a charge. Knowingly submitting false information in a payment dispute may result in termination of services and lawful collection or other remedies.

Questions

ARITS Financial Group Inc.

4250 Faronia Rd., Suite 4, Memphis, TN 38125

info@aritsfinancial.com | (901) 345-1669

This policy is provided as a business policy template and should be reviewed periodically and by qualified legal counsel for ARITS’s specific operations and applicable state laws.