TERMS AND CONDITIONS 

Last Updated: September 23,  2024

1. Introduction

Welcome to PlusMoreUsa Financial & Marketing Services LLC (“PlusMoreUsa,” “PMU,” “The Company,” “Us,” or “We”), a leading tax preparation and financial services provider. These Terms and Conditions govern your use of our services, including the membership accounts available: MEMBER, ELITE, and MASTER, each with distinct features and benefits. By accessing and using our services, you agree to comply with these Terms. Please read them carefully.

2. Account Types

• MEMBER Account: This is our basic, free membership account available to all users who order and pay for any of our PMU services. It provides access to essential tax preparation and financial services.
• ELITE Account: The ELITE account offers enhanced benefits beyond the MEMBER account. To qualify for ELITE, you must maintain an active MEMBER account and have at least four (4) direct referrals with active memberships. Further details are available on our website.
• MASTER Account: The MASTER account is our premium membership, offering exclusive rewards, personalized financial services, and additional benefits. Eligibility for MASTER requires an active membership and at least seven (7) direct referrals with active memberships. Full details are outlined on our website.

3. Eligibility

To open a MEMBER account, you must meet the eligibility requirements outlined during registration. To qualify for ELITE or MASTER accounts, additional criteria must be met, including performance benchmarks, referral numbers, and adherence to our policies. Eligibility is determined by PlusMoreUsa.

4. Membership Benefits

Each membership level offers distinct benefits and services. Specific details, including services and rewards associated with each membership tier, are available on our website and may be subject to change.

5. Membership and Upgrade Fees

• MEMBER Accounts: MEMBER accounts are free of charge. They are activated when a user orders and pays for a PMU service.
• ELITE and MASTER Upgrades: Upgrades to ELITE or MASTER are automatic upon meeting the criteria outlined in Section 2. These upgrades come at no additional cost but are contingent upon maintaining the necessary account activity and referrals.

6. Account Security

You are responsible for maintaining the confidentiality of your account credentials and for promptly notifying us of any unauthorized access or use. PlusMoreUsa is not liable for any loss resulting from unauthorized access to your account due to your failure to safeguard your account information.

7. Termination

PlusMoreUsa reserves the right to terminate or suspend any account, at its sole discretion, with or without cause. Accounts may also be terminated due to fraudulent activity, violation of these Terms, or other improper conduct.

8. Privacy

Your use of our services is governed by our [Privacy Policy]. We take your privacy seriously and handle your personal information in compliance with applicable laws and regulations.

9. Disclaimers

PlusMoreUsa strives to provide accurate and reliable financial services. However, information sourced from third-party providers such as IRS.gov, FloridaRevenue.com, HUD.gov, Sunbiz.org, USCIS.gov, and others is subject to change. PlusMoreUsa does not guarantee the accuracy or completeness of information obtained from these sources or that such information will not change.

10. Modifications

PlusMoreUsa reserves the right to modify these Terms and Conditions at any time. Any changes will be posted on our website. It is your responsibility to review these Terms regularly. Continued use of the service following any changes constitutes your acceptance of the modified Terms.

11. Contact Information

For any questions or concerns regarding these Terms and Conditions, please contact us at admin@plusmoreusa.com.

PRIVACY POLICY

1. Collection of Personal Information

PlusMoreUsa collects personal information in accordance with our Privacy Policy. By using our services, you consent to the collection, use, and sharing of your personal information as described in our Privacy Policy.

2. Use of Personal Information

We use your personal information to provide tax preparation and financial services. This includes processing your financial data, communicating with you, and personalizing our services to your specific needs.

3. Sharing of Personal Information

PlusMoreUsa may share your personal information with trusted third-party service providers who assist us in delivering our services. We do not sell personal information to third parties.

4. Security

We take reasonable measures to protect your personal information. However, no method of data transmission over the Internet is entirely secure, and we cannot guarantee the absolute security of your information. Our site is secured with SHA-256 RSA encryption.

5. Access and Correction

You have the right to access and correct your personal information held by PlusMoreUsa. You may request access or corrections by contacting our customer support.

6. Consent

By using our services, you consent to the collection and use of your personal information as outlined in this Privacy Policy.

7. Changes to Privacy Policy

We reserve the right to update our Privacy Policy at any time. Any changes will be posted on our website. It is your responsibility to review the updated policy regularly.

EARNING STATEMENT

1. No Guaranteed Income

PlusMoreUsa provides opportunities for members to earn commissions, rewards, and discounts through referrals and participation in our services. However, there is no guaranteed income associated with your membership or referrals.

2. Earnings Are Performance-Based

Any earnings, commissions, or rewards are based on your performance, efforts, and compliance with our policies.

3. Individual Results May Vary

PlusMoreUsa makes no guarantees regarding your income. Results depend on various factors, including individual skill and effort.

4. Responsibility

You are responsible for your own earnings and financial outcomes. We recommend seeking financial or legal advice where necessary.

5. No Employment Relationship

Membership in PlusMoreUsa does not establish an employment relationship. Members are independent contractors responsible for their own tax obligations.

6. Changes in Compensation Structure

PlusMoreUsa reserves the right to change its compensation structure, rewards, and discounts at any time. Such changes will be communicated via official channels.

7. Consult with Professionals

Before making financial decisions, we recommend consulting with financial advisors or legal professionals.

NO GUARANTEE OF WINNING LOTTERY TICKET PRIZES

Getting lottery tickets through PlusMoreUsa does not guarantee winning. Lotteries are games of chance, and the outcomes are random.

TAX PREPARATION OMISSION ERRORS

PlusMoreUsa strives for accuracy in tax preparation. However, tax laws are complex and subject to change. It is your responsibility to review your tax documents for accuracy.

BUSINESS REGISTRATION SERVICES

Business registration services are subject to separate terms. PlusMoreUsa does not guarantee the success of any registration application, as it depends on government approval.

FINANCIAL SERVICES FEES

Fees for financial services are determined by the scope of services provided. Details of applicable fees will be outlined in separate agreements or invoices.

FINANCIAL SERVICES FEES

1. Fee Structure

PlusMoreUsa establishes fees for financial services based on the nature and complexity of the services provided. These services include, but are not limited to, tax preparation, financial planning, and investment advisory services. The applicable fees for each service will be provided to members through a detailed estimate or invoice prior to the commencement of the service.

2. Payment of Fees

Members agree to pay all applicable fees associated with the financial services they receive from PlusMoreUsa. Payment methods and terms will be outlined in the respective agreements or fee schedules. Failure to pay any outstanding fees may result in suspension or termination of services.

3. Fee Changes

PlusMoreUsa reserves the right to modify its fee structure at any time. Any changes to fees will be communicated to members in advance via official channels. Continued use of the service after fee modifications constitutes acceptance of the updated fees.

4. Refund Policy

Refunds for financial services will be issued in accordance with the specific agreements related to each service. PlusMoreUsa will process any applicable refunds based on the terms outlined in the agreement, provided all conditions are met.

5. Disputes Regarding Fees

In the event of a dispute regarding fees, members are encouraged to contact PlusMoreUsa’s customer support for resolution. All disputes will be handled in accordance with applicable laws and regulations. Members should note that failure to resolve fee disputes in a timely manner may lead to collection efforts or legal action.

LAWSUIT AND ARBITRATION

1. Arbitration Agreement

Any dispute or claim arising from or related to the provision of financial services by PlusMoreUsa shall be resolved through binding arbitration. By using PlusMoreUsa’s services, both parties waive their respective rights to a trial by jury.

2. Arbitration Process

Arbitration proceedings shall be conducted under the rules of a recognized arbitration organization mutually agreed upon by the parties. The decision of the arbitrator(s) will be final and binding, and judgment upon the award rendered may be entered in any court of competent jurisdiction.

3. Costs of Arbitration

Each party will bear their own costs and expenses related to arbitration, including attorneys’ fees. However, the prevailing party may be entitled to recover reasonable attorney’s fees and costs from the non-prevailing party, as determined by the arbitrator(s).

4. Waiver of Class Actions

Both PlusMoreUsa and the member waive the right to bring or participate in any class action, collective action, or representative action, whether in arbitration or in court. Arbitration will be conducted solely on an individual basis.

5. Exclusions from Arbitration

This arbitration agreement does not apply to disputes related to intellectual property rights, non-disclosure agreements, or enforcement of arbitration awards.

6. Governing Law

This arbitration agreement is governed by the laws of the jurisdiction where PlusMoreUsa is registered and operates. Any arbitration proceedings will be conducted in accordance with these governing laws.

7. Severability

If any portion of this arbitration agreement is found to be unenforceable by a court of competent jurisdiction, the remainder of the arbitration agreement shall remain in full force and effect.

8. Opt-Out Option

Members may opt-out of this arbitration agreement by providing written notice to PlusMoreUsa within 30 days of opening their membership account. Failure to opt out within this period will result in the member being bound by the terms of this arbitration agreement.

ADDITIONAL SERVICES AND TERMS

1. Refundo Services

PlusMoreUsa may offer Refundo services, subject to separate terms and conditions specific to those services. These terms and conditions will outline the scope of Refundo services, applicable fees, and any additional requirements related to Refundo. PlusMoreUsa does not benefit from Refundo fees, which are set by Refundo and listed at [https://refundo.com/pricing/](https://refundo.com/pricing/).

2. Business Registration Services

PlusMoreUsa offers business registration services under separate terms and conditions. The success of a business registration application is dependent on state or federal approval, and PlusMoreUsa cannot guarantee outcomes. Members are responsible for ensuring that all provided information and documentation are accurate.

3. Changes to Services

PlusMoreUsa reserves the right to amend its service offerings, including adding or discontinuing services, at any time. Members will be notified of any significant changes through official channels. Continued use of the affected services constitutes acceptance of any changes.

• The Agreement governs the terms, obligations, and provisions of the Crowdfunding Down Payment Assistance Program (“Program”), under the following stipulations:

  1. Program Scope and Limitations

  The Program, as structured and executed by PlusMoreUsa, is devised with the overarching intent to assist no more than 36 qualifying families over the course of a 12-month period, contingent upon, but not limited to, the prevailing market conditions, lender approval processes, and other externalities beyond the control of PlusMoreUsa. While the Program’s design anticipates the successful completion of home purchase transactions within the aforementioned 12-month window, it is expressly acknowledged that unforeseeable delays, procedural impediments, or circumstances outside the reasonable expectations of the Program administrators may necessitate the extension of this timeline. Such delays may be attributed to, but are not limited to, variations in lender responsiveness, third-party approval processes, regulatory hurdles, or Member-specific issues arising during the home-buying process. As such, Members expressly acknowledge that PlusMoreUsa, while making every reasonable effort to adhere to the projected timeframe, cannot and does not guarantee the completion of the Program or the acquisition of a home within 12 months. Any additional time required shall not be grounds for termination of participation or demand for refund, except as provided in Section 5 of this Agreement.

  2. Nonrefundable Deposit and Program Fee

  Each Member acknowledges the requirement to provide a non-interest-bearing deposit of $5,000, which constitutes a non-refundable Program participation fee, except where explicitly stated otherwise in Section 5. The deposit, herein described as a “fee,” represents an administrative expense, which under no circumstances, other than those described in Section 5, shall be recoverable by the Member.

  3. Allocation of Funds and Disbursement

  Subject to lender preapproval and conditional on the Member meeting all Program-related criteria, PlusMoreUsa shall provisionally authorize the disbursement of funds ranging from $25,000 to $40,000 to be utilized exclusively for the Member’s down payment or closing costs. Said funds shall be made available no later than 7 days before the scheduled closing date, contingent upon the satisfactory completion of all required procedural documentation. The timing and provision of funds shall be at the sole discretion of PlusMoreUsa, which reserves the right to withhold, delay, or adjust the disbursement by internal policies, market conditions, or lender specifications.

  4. Reimbursement of Allocated Funds for Future Participants

     Within a period not exceeding 90 days following the closing of the home purchase, the Member shall, subject to the availability of funds, receive supplemental disbursements designated for home improvements. The Member is hereby legally bound to remit repayment of the original down payment assistance amount received under this Program to ensure the continued operation and financial integrity of the Program for future participants. The failure of the Member to remit the repayment within the specified timeframe will result in the imposition of penalties, which may include, but are not limited to, the initiation of financial recovery measures, including legal proceedings aimed at recouping the outstanding amounts. Additionally, in the event that the Member declines or otherwise refuses the disbursement of home improvement funds, PlusMoreUsa reserves the right to place a lien against the subject property. This lien shall remain in effect until such time as the obligations under this Agreement have been satisfied in full, including the repayment of all assistance funds initially provided. All actions taken under this clause will be executed in accordance with applicable legal frameworks and without further recourse to the Member.

  5. Conditional Refund Provisions

  The $5,000 deposit shall be refundable solely under the following exclusive conditions:

  • PlusMoreUsa, through no fault or deficiency of the Member, fails to secure financial assistance for the Member’s home purchase, at which point the deposit shall be returned to the Member. The return of funds shall be subject to administrative processing times and is not guaranteed to occur within any specified period.

  The deposit is unequivocally non-refundable under the following circumstances:

  • The Member elects not to proceed with the purchase of a home based on personal preference or inability to locate a suitable property.
  • The Member is unable to maintain the initial preapproval due to negligence in managing their credit, including but not limited to missed payments, accumulation of new debt, or actions that negatively impact their creditworthiness.
  • The Member voluntarily or involuntarily withdraws from the Program at any time following the execution of this Agreement.
  6. Voluntary Withdrawal and No-Refund Policy

  Members who, for any reason, voluntarily withdraw from the Program forfeit any and all rights to recover the initial $5,000 deposit. No exceptions or exemptions will be made, and the forfeiture shall be deemed final and non-contestable in any forum or jurisdiction.

  7. Program Termination for Non-Compliance

  PlusMoreUsa reserves the unilateral right to terminate a Member’s participation in the Program for non-compliance with the terms and provisions set forth in this Agreement, including, but not limited to, the failure to provide accurate financial documentation, misrepresentation of information, or failure to return funds allocated under the Program. Termination shall be at the sole discretion of PlusMoreUsa and shall not entitle the Member to any reimbursement or compensation.

  8. Binding Nature of Agreement

  This Agreement is irrevocably binding upon the execution thereof and is not subject to modification or cancellation, except as explicitly outlined herein. Any disputes arising from or relating to this Agreement shall be resolved by binding arbitration, governed by the rules of the American Arbitration Association, conducted within the State of Florida.

  9. Governing Law and Jurisdiction

  This Agreement, and the rights and obligations of the parties herein, shall be construed and governed by the laws of the State of Florida, without regard to its conflict of law principles. Any action or proceeding related to this Agreement shall be exclusively brought in the courts of the State of Florida.

GOVERNING LAW AND JURISDICTION

These Terms and Conditions, along with any disputes arising from or related to the use of PlusMoreUsa’s services, will be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles. Any legal proceedings or arbitration related to these Terms shall be conducted within the jurisdiction of Florida.

ENTIRE AGREEMENT

These Terms and Conditions, along with our Privacy Policy and any other agreements incorporated herein by reference, constitute the entire agreement between you and PlusMoreUsa regarding the use of our services. They supersede all prior agreements, whether written or oral, regarding the subject matter.

WAIVER AND SEVERABILITY

Failure by PlusMoreUsa to enforce any provision of these Terms shall not be construed as a waiver of any right or provision. If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect.

ACKNOWLEDGEMENT

By using the services provided by PlusMoreUsa, you acknowledge that you have read and understood these Terms and Conditions and agree to be bound by them.

CONTACT INFORMATION

If you have any questions or concerns about these Terms and Conditions, please contact us at support@plusmoreusa.com.