Terms of Service

The articles on our blog, the estimates produced by our tax calculator, and any other general information on this site are published for education. They describe rules as they apply in general, not as they apply to you. Tax outcomes turn on facts we do not know from a web page — your entity type, your state, your filing history, your specific circumstances.

Do not act on anything here without professional advice. Rates, thresholds, and deadlines also change, sometimes mid-year; an article accurate on the day it was published may not be accurate on the day you read it.

An advisory relationship with OliRam Advisors begins only when we have both signed a written engagement letter describing the work. Reading this site, submitting a consultation request, or creating a portal account does not create one.

Our tax calculator applies published federal figures to the numbers you enter. It deliberately does not model state tax, the alternative minimum tax, preferential long-term capital gains rates, the Additional Medicare Tax, or several limitations on the qualified business income deduction. The result is a rough indication, not a return, and it should never be used to decide what to pay.

You are responsible for the accuracy of what you enter, for keeping your password secret, and for everything done under your account. Tell us promptly if you believe someone else has access to it.

The portal is a bookkeeping tool, not a filed return. Reports, balances, and reconciliations reflect the data in your account. Nothing posts to your books automatically — categorization suggestions, imported bank transactions, and rule matches all wait for a person to review and post them. Reviewing them is your responsibility unless your engagement letter says we do it for you.

We may suspend an account for non-payment, suspected unauthorized access, or use that risks the service or other clients. You may close your account at any time from Settings; because we hold financial records that can carry their own retention obligations, deletion is handled as a request our team reviews rather than an immediate wipe.

Some features — the live bank feed and Smart Categorize — are part of a paid Premium tier at the price shown in your portal. Premium is arranged directly with us. There is no self-serve checkout, and we do not store card details on this site.

Paid features depend on third-party services, including Plaid for bank connections. Those services set their own availability and coverage, and a bank withdrawing support for a connection is outside our control. Where a paid feature becomes unavailable for a sustained period, tell us and we will make it right.

Connecting a bank account uses Plaid, which authenticates you with your bank directly. We never see or store your banking credentials. Your use of that connection is also subject to Plaid's own terms and your bank's.

Automated categorization uses a third-party AI model. Its suggestions are suggestions: they are never posted to your ledger without a person accepting them, and they should be reviewed like any other draft entry.

We aim to keep the portal available, but we do not promise uninterrupted service. Maintenance, provider outages, and problems at your bank can all interrupt it. We are not responsible for losses caused by an interruption, and you should keep your own copies of anything you cannot afford to lose.

The text, design, and code of this site belong to OliRam Advisors. You are welcome to read, quote with attribution, and link to our articles. You may not republish them wholesale or present them as your own.

The data you enter in the portal remains yours. We use it to provide the service and to do the work described in your engagement letter, as set out in our Privacy Policy.

To the fullest extent the law allows, OliRam Advisors is not liable for indirect, incidental, or consequential losses arising from your use of this website or the portal, including lost profits or lost data.

Nothing in these terms limits liability that cannot lawfully be limited, and nothing here displaces the terms of a signed engagement letter — where the two differ on work we have been engaged to perform, the engagement letter governs.

We may update these terms as the product changes. The date at the top shows when they last changed, and continuing to use the site after an update means you accept it.

These terms are governed by the laws of the State of Florida, and any dispute will be brought in the state or federal courts of Miami-Dade County, Florida.

Questions about these terms? Reach us through the consultation form and we'll get back to you.