Terms & Conditions

Effective Date:

09/26/2025

BNB Wise Financial Academy is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, engage with our services, or interact with our marketing communications.

By using our services, you agree to the terms outlined in this policy.

1. Information We Collect

We may collect the following types of information:

Personal Information: Name, email address, phone number, mailing address, business name, etc.

Marketing Data: Information provided when opting in to receive messages (e.g., SMS, email).

Usage Data: Pages visited, actions taken, IP address, browser type, and referral data.

Communication Records: SMS, email, and other communications sent to or received from us.

2. Services Provided

BNB Wise Financial Academy offers:

• Tax preparation, planning, and consulting services.

• Business formation and credit-building solutions.

• Training programs, events, and webinars.

• Software partnerships and revenue-share opportunities.

All services are subject to availability, updates, and changes at our discretion.

3. Client Responsibilities

To use our services, you agree to:

• Provide accurate, complete, and timely information and documents.

• Maintain responsibility for your financial and tax decisions.

• Refrain from misusing our website, content, or intellectual property.

4. Payments & Refunds

• Fees must be paid in full at the time of booking, unless otherwise stated in your agreement.

• Training programs and digital products are non-refundable once accessed.

• Service fees (e.g., tax preparation, credit repair) may be refundable only if services have not begun.

• Specific refund or cancellation terms may apply per package or promotion.

5. Partner & Software Programs

• Participation in our Partner and Software programs (e.g., Service Bureau, revenue-share, franchise options) requires a signed agreement.

• Earnings, commissions, or benefits depend on compliance with program terms.

• We reserve the right to suspend or terminate access for violations.

6. Events & Webinars

• Registrations are non-transferable unless approved by us.

• Replays and materials are for personal/business use only.

• Unauthorized distribution of recordings or materials is prohibited.

7. Intellectual Property

All website content, training materials, logos, and software tools are owned by BNB Tax Pro Academy or licensed to us.

• You may not reproduce, resell, or distribute without written permission.

• Limited personal/business use is granted as part of purchased services or training.

8. Disclaimer & Limitation of Liability

• We do not guarantee specific financial, credit, or tax outcomes.

• Our services are educational and consultative; final decisions remain with you.

• To the maximum extent allowed by law, we are not liable for losses, damages, or penalties arising from use of our services.

9. Privacy & Data Protection

We collect and process personal data in accordance with our Privacy Policy.

By using our services, you consent to this collection and use.

10. Governing Law

These Terms are governed by the laws of [Insert State/Province, e.g., Texas, USA]. Any disputes will be handled in courts located in Texas.

11. Changes to Terms

We may update these Terms at any time. Continued use of our website and services after changes means you accept the revised Terms.

12. Contact Us

For questions or concerns about these Terms, please contact us:

📧 Email: [email protected]

📍 Address: [Insert business address]