Terms of Use

1. Educational content, not individualized advice

All content on this site, in the Marcos AI chat, and in the Premium Community is for educational purposes and general guidance on U.S. tax topics.

Nothing published here constitutes individualized tax, legal, accounting, or financial advice, nor does it create a professional-client relationship. For your specific situation, consult a licensed professional.

We do not guarantee specific results, savings, or refunds. Every tax situation is different.

2. Marcos AI

Marcos AI is an artificial-intelligence assistant. Its responses may contain inaccuracies and should not be taken as professional advice.

Do not share sensitive data in the chat such as Social Security numbers, ITINs, EINs, full dates of birth, documents, or banking information.

3. Premium Community

The Premium Community is an educational membership hosted on the Skool platform. Enrollment, billing, and invoicing are managed on Skool under its own terms and policies.

Membership price, content, and benefits may change; current conditions are shown on the enrollment page.

4. Advisor appointments

Call scheduling with advisors is done through Calendly, under its own terms. Booking a call does not by itself create a professional-client relationship.

5. Acceptable use

You agree not to use the site or the chat for unlawful purposes, to send spam, to attempt to breach system security, or to impersonate another person.

6. Intellectual property

Site content (texts, brand, images, materials) belongs to Grupo Marcos Ramirez and may not be reproduced without authorization.

7. Limitation of liability

To the maximum extent permitted by law, Grupo Marcos Ramirez shall not be liable for indirect damages arising from use of the site or decisions made based on its educational content.

8. Changes

We may update these terms; the current version will always be published on this page with its update date.