By using polancoadvisorygroup.com or polancoag.com (the “Site”), you agree to these Terms of Service. If you do not agree, do not use the Site.
Polanco Advisory Group LLC is a Massachusetts limited liability company providing bilingual tax preparation, IRS representation, ITIN applications (as an IRS-authorized Certifying Acceptance Agent), business formation, bookkeeping, payroll, credit coaching, business credit, and related advisory services. References on the Site to “PAG,” “we,” or “our” mean Polanco Advisory Group LLC.
Once you decide to engage us for any service, we will issue you a written engagement letter describing scope, pricing, deliverables, timing, your responsibilities, our responsibilities, and any limitations. The engagement letter — not this Site, not these Terms — controls the legal relationship for that specific service. If anything in the engagement letter conflicts with these Terms, the engagement letter prevails for that engagement.
Booking a consultation, downloading a free resource, or paying for a productized service does not, by itself, create the broader engagement relationship. We will explain in writing when an engagement begins.
Information on this Site is for general educational purposes. We are not a law firm. Nothing on the Site is legal advice, investment advice, or insurance advice unless you have a separately executed engagement letter authorizing us to provide that specific advice. Tax preparation and tax advisory services we render under an engagement letter are within our professional scope; specific legal questions are answered by independent counsel, not by us.
For Spanish-speaking clients: PAG no es una firma de abogados. No somos notarios, asesores legales, ni consultores legales. (M.G.L. c. 222 § 17(d).) Para asuntos legales formales, debe consultar con un abogado licenciado.
Pricing for our productized services is published on this Site and may change from time to time. The price you pay is the price displayed at the time of purchase. Fees for non-productized services (custom tax preparation, ongoing bookkeeping, advisory engagements) are quoted in the engagement letter.
Specific fee policies:
By purchasing the Letter Review, you confirm that you, the consumer, are the author of the dispute letter and that you will mail it under your own name and at your own discretion. Our review is feedback you may accept, reject, or modify. PAG is not a credit repair organization within the meaning of 15 U.S.C. § 1679a — we do not engage in dispute conduct on the consumer’s behalf, and we do not collect any fee in advance of completed disputes.
Our Business Credit Blueprint is a one-time service for businesses (not consumers). Federal CROA and Massachusetts c. 93 § 68A regulate consumer credit only — neither covers business credit-building. We do not promise or guarantee any specific funding amount, lender approval, line-of-credit limit, or credit score change.
If we refer you to a capital partner (such as Sandbar Fund) for revenue-based financing, merchant cash advance, or similar product, we will disclose any referral commission we receive in writing under the FTC Endorsement Guides material-connection rule. You decide whether to proceed; the financing relationship is between you and the partner, not with us.
If you are a consumer in New York, California, Utah, Virginia, Georgia, Connecticut, Illinois, or New Jersey and you are considering a financing product subject to that state’s commercial-financing disclosure law, the partner will provide the legally required APR-equivalent disclosure before you sign.
When you submit a message, form entry, document upload, or other content, you confirm that:
Do not submit other people’s tax-return information, full Social Security Numbers (use last four digits unless we explicitly request the full number for filing), passwords, or anything you are not authorized to share.
The Site — including text, brand identity, photography, illustrations, calculator logic, and code — is owned by Polanco Advisory Group LLC and is protected by copyright and other laws. Free downloadable resources (the FCRA Dispute Letter Library, calculator outputs, etc.) are licensed to you for your personal or business use and not for redistribution, white-labeling, or resale. Nothing on the Site grants you a license to reuse our materials commercially without written consent.
The Site uses third-party services for payments (Stripe), hosting (Netlify), search (Algolia), fonts (Google Fonts), and analytics (Google Analytics 4 — only with your consent). When you click out to WhatsApp, our partners’ websites, or any other third-party destination, that destination’s terms and privacy practices apply. We do not control and are not responsible for third-party services.
The Site and its content are provided “as is” and “as available” without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, secure, or free of harmful components. Calculator outputs, library templates, and other free educational materials are general and may not apply to your specific facts; consult a qualified professional before acting.
To the fullest extent permitted by law, Polanco Advisory Group LLC, its members, employees, contractors, and affiliates shall not be liable for any indirect, incidental, consequential, special, or exemplary damages arising out of or related to your use of the Site or any free resource on it. Our total liability for any claim related to the Site (excluding services provided under a separately signed engagement letter, which has its own liability terms) shall not exceed US $100 or the amount you paid us for the specific productized service in question, whichever is greater. Some jurisdictions do not allow the exclusion or limitation of certain damages; in those cases, our liability is limited to the minimum extent permitted by law.
You agree to indemnify and hold harmless Polanco Advisory Group LLC and its members, employees, contractors, and affiliates from any claim, loss, liability, or expense (including reasonable attorneys’ fees) arising from your use of the Site, your violation of these Terms, or your violation of any right of a third party.
These Terms are governed by the laws of the Commonwealth of Massachusetts, USA, without regard to conflict-of-law principles. Any dispute that cannot be resolved informally shall be brought exclusively in the state or federal courts located in Essex County, Massachusetts.
Notwithstanding the foregoing, claims arising under your separately executed engagement letter are governed by the dispute-resolution clause of that engagement letter, which controls.
We may update these Terms at any time. Material changes will be posted on this page with a new “Effective date.” Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.