Terms of Service - TaxplAIn

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement made between you and OptimAIze LLC concerning your access to and use of the TaxplAIn website and service.

BY ACCESSING OR USING THE SERVICE, YOU AGREE THAT YOU HAVE READ, UNDERSTOOD, AND AGREED TO BE BOUND BY ALL OF THESE TERMS. IF YOU DO NOT AGREE WITH ALL OF THESE TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICE AND YOU MUST DISCONTINUE USE IMMEDIATELY.

2. Our Mission & What We're Building

Our Mission

TaxplAIn exists for one purpose: to make taxes understandable. We believe everyone deserves to know how their money flows through the tax system, without needing a degree in accounting.

What We Do Best: We evaluate your unique financial situation and explain what it means in plain English. Think of us as your tax translator, turning IRS jargon into concepts you can actually use.

Platform Status: Beta

TaxplAIn is currently in active beta. That means we're continuously improving, testing, and expanding our capabilities based on user feedback and real-world usage.

What this means for you:

All information should be reviewed by a CPA or tax professional before taking action
Tools and features are provided "as-is" without warranty or liability
Features may change, improve, or be adjusted as we iterate
Your feedback helps us build a better product for everyone

Experimental Features

Some features you see are experimental previews of where we're headed. These include:

Form Filler (Strictly Beta): Educational draft forms for visualization only, never for filing
OptimAIze Scenarios: What-if analysis to explore tax optimization concepts
Deep Research: Multi-agent verification for complex tax questions
Tax Report: Educational summary of your tax situation

These tools are an added benefit to help you visualize and explore. Our core mission remains: helping you understand your taxes. The primary goal of TaxplAIn is to explain and simplify tax concepts, any tools are supplementary to that educational purpose.

Our Vision

We're building toward a future where understanding your taxes is as easy as asking a question. Today's experimental features are stepping stones to that vision. As we grow, we plan to expand our educational offerings, improve accuracy, and add new tools, always with the goal of making taxes less intimidating for everyone.

Thank you for being part of our journey. Your patience with our beta status and your feedback directly shape the product we're building.

3. EDUCATIONAL USE ONLY - NOT PROFESSIONAL ADVICE

IMPORTANT DISCLAIMER

TaxplAIn IS AN EDUCATIONAL TOOL POWERED BY ARTIFICIAL INTELLIGENCE. WE ARE NOT A CPA FIRM, TAX ATTORNEY, OR FINANCIAL ADVISOR.

The information provided by this Service is for educational and informational purposes only, designed to help you understand tax concepts.
It should NOT be considered legal, financial, or tax advice.
You should NEVER rely upon this Service for tax filing, audit defense, or legal compliance.
Always consult with a qualified professional (CPA, Enrolled Agent, or Tax Attorney) before making any financial decisions or filing tax returns.

4. Subscription Services & Educational Purpose

What You're Subscribing To

When you subscribe to TaxplAIn, you are subscribing to:

Advanced AI-Based Chat: Access to our AI-powered tax education assistant that helps you understand tax concepts and get answers to your questions
Educational Tools & Simulations: Interactive tools including Money Flow Simulation, Optimization Analysis, Tax Reports, and visualizations based on information you provide
Draft Form Generation: Educational draft tax forms marked "FOR GUIDANCE ONLY - NOT FOR FILING"

What You Are NOT Subscribing To:

Tax preparation service - We do not prepare or file your tax returns
Professional tax advice - We are not CPAs, tax attorneys, or financial advisors
Tax planning services - Our tools are for educational understanding only
Guaranteed accuracy - All calculations and results are estimates based on the information you provide and are intended for educational purposes only

Our subscription services provide access to proprietary educational tools and features designed to help you better understand the tax code, tax concepts, and how taxes work. These tools include interactive visualizations, educational tax calculations, draft form generation, and AI-powered educational guidance, all intended to enhance your understanding of tax-related topics.

Important: All tools, simulations, calculations, and reports generated by TaxplAIn are based on the information you provide through our questionnaire and chat interface. These results are estimates for educational purposes only and may not accurately reflect your complete tax situation.

Educational Purpose Statement

TaxplAIn and OptimAIze LLC are not certified public accountants (CPAs), tax advisors, tax attorneys, or financial advisors. We do not provide professional tax, legal, or financial advice.

All information, calculations, visualizations, and content generated through our subscription services are provided solely for educational and informational purposes. These tools are designed to help you understand tax concepts, not to provide tax planning or filing services. This includes, but is not limited to:

Educational tax estimates and calculations (for learning purposes only)
Draft tax forms and visualizations (marked as educational guidance only)
AI-generated educational responses and explanations
Educational optimization analyses (to understand tax concepts)
Money flow simulations and tax reports (for educational understanding)

By subscribing to our services, you acknowledge and agree that all content and information provided is educational in nature and should not be used as a substitute for professional tax advice or for filing purposes. These tools are designed to help you understand taxes better, not to replace professional tax services.

5. Forms Feature - Beta Disclaimer

PRELIMINARY BETA FEATURE

The Tax Forms feature that displays filled-in form details is in extremely preliminary beta and is provided for educational preview purposes only.

Federal Forms Only: Currently, the Forms feature only supports federal tax forms (Form 1040 and related schedules).
State Forms Coming Soon: We plan to add state-level tax forms as they become available from individual state tax authorities. State tax forms are typically finalized and released between late December and mid-February each year, with some states releasing as late as March.
Educational Purpose Only: All generated forms are marked "FOR GUIDANCE ONLY - NOT FOR FILING" and should not be used for actual tax submission.
Accuracy Not Guaranteed: Form field mappings and calculations are experimental and may contain errors or omissions.

By using the Forms feature, you acknowledge its beta status and agree that you will verify all form data with a qualified tax professional before filing any tax returns.

6. LIMITATION OF LIABILITY (0% LIABILITY)

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL WE BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

LOST PROFIT OR REVENUE.
IRS PENALTIES, INTEREST, OR AUDIT FINDINGS.
LOSS OF DATA OR GOODWILL.
ERRORS OR OMISSIONS IN TAX FILINGS.

THE SERVICE IS PROVIDED ON AN "AS-IS" AND "AS-AVAILABLE" BASIS. WE MAKE NO WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, RELIABILITY, OR COMPLETENESS OF THE AI-GENERATED CONTENT. YOU ASSUME FULL RESPONSIBILITY AND RISK FOR YOUR USE OF THE SERVICE. WE ACCEPT 0% LIABILITY FOR ANY OUTCOMES RESULTING FROM YOUR USE OF THIS TOOL.

7. AI Limitations & Data Sources

You acknowledge that this Service uses large language models (LLMs) which are prone to "hallucinations" (generating plausible-sounding but incorrect information). The AI may misinterpret tax codes, cite non-existent regulations, or provide outdated figures. All AI-generated content is for educational purposes only. You are solely responsible for verifying all output against official IRS sources (IRS.gov) and consulting with qualified tax professionals before making any tax-related decisions.

Data Sources & Accuracy Notice:

The information provided by this Service is curated from publicly available sources for educational purposes. While we strive to maintain accuracy, the information may not be 100% accurate, complete, or current.

IMPORTANT:

You should verify all information with official IRS sources (IRS.gov) and consult with a qualified tax professional (CPA, Enrolled Agent, or Tax Attorney) before making any tax-related decisions or filing tax returns.

8. How We Calculate Estimates

Educational Calculation Methodology

Our tax estimates are generated using simplified calculations based on publicly available IRS guidelines. These are approximations for educational purposes only, designed to help you understand how tax calculations work.

At a high level, we calculate educational estimates using:

Adjusted Gross Income (AGI): Your total income minus certain adjustments (401k contributions, IRA contributions, HSA contributions, self-employment tax deduction, etc.)
Standard vs. Itemized Deductions: We compare both and use whichever provides the greater tax benefit.
Taxable Income: AGI minus your deductions (standard or itemized).
Federal Tax Brackets: Progressive tax rates applied to your taxable income based on your filing status.
Tax Credits: Child Tax Credit, Earned Income Credit, education credits, etc. that reduce your tax liability.
State Tax Estimates: Simplified state tax calculations based on your state of residence.

ACCURACY DISCLAIMER

The numbers shown in our visualizations (Money Flow Simulation, Optimization Analysis, Tax Report) are estimates for educational purposes only. They may not accurately reflect your actual tax situation due to:

Simplified calculation methods that don't account for all tax scenarios
Missing information from your questionnaire responses
State-specific rules and deductions we may not fully model
Complex tax situations (AMT, foreign income, passive losses, etc.)
Recent tax law changes not yet reflected in our system

WHAT YOU SHOULD DO

Always consult with a qualified CPA, Enrolled Agent, or Tax Attorney before making any tax decisions or filing your tax return. Use TaxplAIn to learn and explore tax concepts to better understand how taxes work, but rely on professionals for actual tax filing and planning.

9. What We Support, and Only These

So you know before you pay: TaxplAIn provides limited educational estimates (not tax advice, and not a filed return) only for the situations listed below. If your situation is not one of these, TaxplAIn is not built for it yet, please use a qualified tax professional.

Supported (as a limited estimate)

W-2 job income, Single, Married Filing Jointly or Separately, Head of Household, or Qualifying Surviving Spouse; with standard or itemized deductions (SALT, mortgage, charitable, medical)
Families, dependents, Child Tax Credit, Credit for Other Dependents, childcare, Earned Income Credit, and education credits
Retirement income, Social Security, pensions, and IRA/401(k) distributions
Investments, interest, dividends, and stock or crypto capital gains (current year)
Gig work, rideshare, delivery, online selling, and similar, with expenses
Freelance / 1099 self-employment (sole proprietor), with itemized Schedule C expenses and the QBI deduction below the income threshold
Small business (sole proprietor), including inventory (cost of goods sold) and equipment (Section 179)
Multiple businesses / side hustles (sole proprietor), one Schedule C each, with losses netting across them
Rental property

Everything else is not supported

If your situation isn't on the supported list above, TaxplAIn is not built for it yet. This includes, among others:

Schedule K-1 income from S-corporations, partnerships, or trusts (we can flag it, but we do not calculate it)
More than one business, and full business returns (1120, 1120-S, 1065)
Non-resident / dual-status returns (Form 1040-NR) and ITIN-specific situations
Farm income (Schedule F), clergy/minister pay, and household-employer (nanny) tax
Prior-year carryovers (capital-loss, net operating loss, passive-loss)
Estate and gift tax, and prior-year amendments
Equity compensation, with one limit. We DO calculate the ordinary-income portion of an ESPP discount, the tax treatment of an incentive stock option (ISO) disposition, and the Alternative Minimum Tax that exercising options can trigger. We also use the vest-date value as the cost basis for an RSU sale, rather than the $0 many brokers report. What we do NOT calculate is the credit for minimum tax you paid in an earlier year, which usually returns to you in later years: that means your refund may be larger than the figure we show, and it is worth asking a tax professional about.
State returns where more than one state is involved. This covers part-year residency (you moved during the year) and working in a different state from the one you live in. Each state taxes its own slice of your year, and we do not divide your income between them. Your federal estimate is unaffected. As of September 2026 we no longer ask for your move dates or your previous state, because we were collecting details we do not use; we flag the situation instead so you know to handle the state side separately.

For any of these, please use a qualified tax professional. During the free questionnaire we detect and flag two of them directly, so you know before you subscribe: Schedule K-1, and owing tax to more than one state (whether you moved during the year or you live in one state and work in another).

The five supported filing statuses in detail:

Single: Unmarried or legally separated individuals
Married Filing Jointly (MFJ): Married couples filing together
Married Filing Separately (MFS): Married couples filing separate returns
Head of Household (HOH): Unmarried individuals with qualifying dependents
Qualifying Surviving Spouse (QW): Widows/widowers with dependent children (within 2 years of spouse's death)

IMPORTANT DISCLAIMER

All tax estimates provided by TaxplAIn are estimates for educational purposes only and should not be used for actual tax filing. These estimates:

Are based on simplified calculations and may not reflect your complete tax situation
May change based on your personal circumstances, additional income sources, deductions, and credits
Do not account for all possible tax scenarios, state-specific rules, or recent tax law changes
Should be verified with a qualified tax professional (CPA, Enrolled Agent, or Tax Attorney) before making any tax decisions

You must verify all calculations with a qualified tax professional and consult with a CPA or tax advisor before filing your tax return. TaxplAIn is not a substitute for professional tax advice.

10. Prohibited Activities

You may not access or use the Service for any purpose other than that for which we make the Service available. Prohibited activities include:

Systematically retrieving data to create a database or directory.
Inputting sensitive PII (Social Security Numbers, etc.) into the system.
Using the Service to defraud, mislead, or harass others.
Reverse engineering or attempting to access the source code of the Service.

11. Intellectual Property Rights

The source code, functionality, software, website designs, and graphics on the Service are owned by OptimAIze LLC and are protected by copyright and trademark laws. While you retain rights to your specific inputs, the AI-generated outputs are provided to you under a non-exclusive license for personal, non-commercial use.

Intellectual Property Ownership

All intellectual property rights in and to the TaxplAIn service, including but not limited to:

Software, source code, and algorithms
Website designs, graphics, and user interfaces
Trademarks, service marks, and brand names
Proprietary educational tools and methodologies
Documentation and content (except user-generated content)

are owned by OptimAIze LLC.

Contact Information

OptimAIze LLC

30 N Gould St # 58812

Sheridan, WY 82801

Intellectual Property Inquiries:

plainenglish@taxplain.xyz

General Support:

plainenglish@taxplain.xyz

12. Data Retention & Privacy

Data Handling Policy

We prioritize your privacy by designing our system to be transient.

Short-Term Retention: We store user questionnaire data for approximately 7 days to facilitate your active session and allow you to return to your simulation. After this period, the data is automatically discarded.
No Intentional PII Collection: We do not ask for or intentionally collect sensitive Personally Identifiable Information (such as Social Security Numbers) beyond what is strictly necessary for the immediate educational simulation.
Educational Use Only: Any data you provide is used solely to generate the educational estimates and visualizations for your session.

13. Indemnification

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand made by any third party due to or arising out of your use of the Service or your reliance on any information provided by the Service.

14. Termination

We reserve the right to terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

15. Payments and Refunds

Our refund policy:

Day Pass ($4.99):

No refunds - All Day Pass sales are final.
24-hour access from time of purchase.
Full access to toolkit. Up to 100 questions answered.

Why We Have a No-Refund Policy

We understand no-refund policies can be frustrating, but we ask for your understanding:

GPU Costs: Each query uses expensive GPU resources. Our AI models run on high-performance GPUs that cost significantly more than traditional servers.
R&D Investment: We continuously invest in improving accuracy, adding features, and keeping up with tax law changes.
Server & Maintenance: Keeping the service fast, reliable, and secure requires ongoing infrastructure costs.
Fair Pricing: The Day Pass is priced so you can test the service for a day rather than commit to anything longer.

We appreciate your support in helping us build a sustainable service!

For questions about your subscription, please contact us through the billing portal or email plainenglish@taxplain.xyz. Refunds are processed and access will be revoked upon confirmation.

16. Dispute Resolution

Any dispute related to these Terms or the Service shall be resolved through binding arbitration. You waive your right to participate in a class action lawsuit or class-wide arbitration.

17. Modifications to Terms

We reserve the right to change, modify, or remove the contents of the Service or these Terms at any time or for any reason at our sole discretion without notice. Continued use of the Service constitutes your agreement to such changes.

18. Governing Law

These Terms shall be governed by and defined following the laws of the State of Wyoming. OptimAIze LLC and yourself irrevocably consent that the courts of Wyoming shall have exclusive jurisdiction to resolve any dispute which may arise in connection with these terms.

19. Contact Us

If you have questions or concerns about these Terms, please contact us:

For general questions about these Terms:

plainenglish@taxplain.xyz

For intellectual property inquiries:

plainenglish@taxplain.xyz