Terms of service

By accessing or using Institution after receiving notice of these Terms and a reasonable opportunity to review them, creating an account, accepting an order, or engaging our services, you agree to these Terms to the extent permitted by applicable law. If you do not agree, do not use Institution or order services. A checkbox, electronic signature, checkout confirmation or other affirmative acceptance may also be required for a particular transaction. Mere receipt of an unsolicited message does not create an agreement.

If you act for a company or other organization, you represent that you have authority to bind it. In that case, ‘you’ and ‘customer’ mean that organization, and its authorized users must follow these Terms. Individual users remain responsible for their own unlawful conduct. You must be at least 18 and legally capable of entering an agreement. Institution is intended for business use.

These Terms incorporate the Service terms, Cancellation and refunds policy, and Acceptable use policy available through the policy navigation on this page. The Privacy and Cookie policies explain information handling; accepting these Terms does not substitute for a separate privacy, marketing, tax-disclosure or recurring-payment consent where one is required.

Institution is owned and operated by Premier Global Management, LLC. Institution is the product and business name used for the services, not a separate contracting entity under these Terms. References to ‘Institution,’ ‘we,’ ‘us’ and ‘our’ mean Premier Global Management, LLC unless a signed agreement identifies a different provider for a specific professional engagement.

Our mailing address for legal and business correspondence is 16192 Coastal Highway, Lewes, DE 19958, United States. Legal, contract, cancellation and privacy inquiries may be sent to institution.legal@premiergm.com. This mailing address is not your company's registered office, mailing address or place of business unless that use is expressly included and separately authorized.

An order identifies the customer entity, purchased service, coverage period, price, billing frequency, included work and any agreed limits. A separate engagement letter may be required before professional work begins. Account creation, a sales conversation, a submitted inquiry or payment alone does not authorize us to file a return, submit a government filing, move funds or act as your legal representative.

If documents conflict, a separately signed agreement controls for the subject it expressly addresses, followed by the accepted order or checkout disclosures, the applicable Service terms and Cancellation and refunds policy, then these Terms. A data processing agreement controls its specific data processing subject. Mandatory law always controls. General marketing descriptions do not expand an agreed engagement, but this priority rule does not permit us to withdraw a specifically advertised inclusion after purchase without your agreement or an appropriate remedy.

Purchase-order boilerplate or terms added unilaterally to a payment do not amend our agreement. Changes in entities, jurisdictions, transaction volume, complexity or deliverables may require a written scope change and your approval of additional charges.

Dashboard access is currently $0 per month. It includes the available workspace features described on the Pricing page, including connected accounting, Ask Max AI, reports, documents, records and tasks. A paid Institution service plan is not required for basic Dashboard access. Connected accounting requires your own QuickBooks Online account, whose subscription is billed separately by Intuit.

Creating an account does not enroll you in a paid service. Professional bookkeeping, tax preparation, incorporation, Registered Agent support and other services are purchased separately. Canceling a paid service does not, by itself, close your Institution account. Free access does not include a guaranteed service level, unlimited processing or professional review of every record. We may introduce reasonable usage limits or change future free features with notice when practical. We will not convert a free account to a paid subscription without your affirmative agreement.

Provide accurate account and business information and keep it current. Protect your credentials, use available security controls, and promptly report suspected compromise. Do not share personal login credentials or impersonate another person. You are responsible for selecting authorized users and assigning and removing their access. Workspace administrators may manage business records and access within the permissions available to them.

You authorize us to rely on instructions reasonably authenticated as coming from your authorized users, subject to the agreed approval controls. If ownership, administrator authority or access is disputed, we may request evidence and temporarily restrict the affected access to protect records. We will not knowingly resolve a genuine ownership dispute solely on the instruction of an unauthorized person. Notify us promptly when a team member leaves or loses authority.

You are responsible for the completeness, accuracy, lawful origin and timely delivery of your records and instructions. Keep source records and backups, disclose all relevant accounts, owners, jurisdictions, notices and transactions, and identify unusual or restricted activity. You must have the necessary rights and permissions to provide employee, contractor, owner, customer and other third-person information.

Review reports, draft filings, classifications and payment instructions, and promptly identify suspected errors. You retain responsibility for management decisions, tax positions, signing returns, approvals, adequate internal controls, payment of taxes and debts, and legal compliance. Delegating work does not transfer a legal obligation that the law places on you. This allocation does not excuse our failure to perform an agreed service with reasonable care.

Deadlines depend on the agreed scope, complete information and timely approvals. We may pause affected work and revise estimates if information is missing or access fails, and will communicate material blockers we identify. An extension to file generally does not extend the time to pay tax. A dashboard reminder does not replace an official notice or a filing obligation.

Institution provides finance operations services. It is not a bank, law firm, investment adviser or public accounting firm. We do not provide a service requiring professional licensure unless it is delivered by or through appropriately licensed professionals within the agreed engagement. No attorney-client, investment-advisory, fiduciary, audit or assurance relationship arises merely from use of the website, dashboard or support chat.

Bookkeeping and management reporting are not an audit, review or compilation engagement under professional assurance standards. We do not independently verify every source document or undertake to detect all fraud, theft or illegal acts. Tax representation, legal opinions, securities advice and other specialist work require a separately confirmed scope and any necessary professional authorization. No provision limits a professional duty that cannot legally be limited.

Prices are stated in US dollars unless the accepted order says otherwise. The price, billing interval, minimum term and included services shown when you purchase govern that order. An annual price expressed as a monthly equivalent is not a month-to-month subscription; the total annual commitment and payment schedule must be disclosed before purchase.

Tax Desk has a two-month minimum when purchased monthly. Finance Desk and Managed Accounting follow their selected monthly or annual arrangement. Managed Accounting pricing depends on the selected business-spending band and agreed complexity. Additional states, owners, cleanup periods, specialty work and third-party subscriptions may carry separate fees. We must disclose and obtain approval for additional work before charging for it.

Government charges, state taxes, filing fees and third-party charges are separate unless expressly included. The published Launch incorporation package includes its advertised standard state fees and first-year Registered Agent coverage; the general exclusion of government fees does not remove that inclusion. You remain responsible for taxes payable by your business. No setup, onboarding or migration charge is added contrary to the published inclusion for your order.

You authorize charges only for the order and recurring arrangement you accept. Before a recurring purchase, the applicable checkout or engagement must disclose the recurring amount or calculation, frequency, term, cancellation process and any minimum commitment. A service renews automatically only if the renewal arrangement was disclosed and you affirmatively authorized it. These Terms alone do not authorize an undisclosed recurring charge.

Keep billing details current. Payment providers process transactions under their own terms; your bank may impose currency conversion or other charges. We may retry a failed authorized payment and contact you about it. We may suspend the affected paid service for overdue undisputed amounts after reasonable notice where practical. We do not impose an unstated late fee, acceleration charge or new collection penalty through this policy.

We will give advance notice of changes to recurring fees and any notice required by law. Changes apply prospectively, normally from the next renewal, and do not change a prepaid fixed term without agreement. You may decline by canceling in accordance with the applicable terms. We will supply legally required renewal reminders and obtain renewed consent where required.

Unless your accepted order or signed engagement provides a different lawful arrangement, either party may terminate an ongoing service on 30 days' written notice. You can give notice to institution.legal@premiergm.com; an available account cancellation control may also be used. We measure notice from receipt, not from the date we process an acknowledgment. We will not require a phone call or an explanation as a condition of a valid cancellation.

The Cancellation and refunds policy explains monthly and annual service terms, unperformed work, government charges and Registered Agent transitions. A request to stop renewal is effective for the next renewal that can lawfully be stopped when the request is received; the notice period is not permission to impose an undisclosed renewal. Minimum commitments expressly accepted at purchase remain subject to mandatory cancellation and refund rights.

Ending a subscription does not dissolve an entity, cancel its taxes, withdraw a registered agent appointment, revoke a government authorization or close a third-party subscription. Arrange any replacement provider and required filings. We will reasonably cooperate in a lawful handoff and provide available customer records in an ordinarily used format. We will not retain records that law requires us to release as leverage for payment.

When you connect an account, you authorize access to the data and permissions presented in the connection flow, for the purposes described in our Privacy policy and engagement. Use the provider's authorization process; do not send us reusable passwords, recovery codes or secret keys through ordinary support messages. Disconnecting stops future access supported by the provider but does not erase records already lawfully received or cancel work already authorized.

QuickBooks, banks, payroll systems, payment processors, filing agencies and professional providers operate independent systems. Their availability, terms, fees, data accuracy and approval decisions remain their responsibility. We remain responsible for our own integration work and contractual duties. Synchronization may be delayed, incomplete or interrupted; review important balances and transactions against the source system.

A connection does not by itself authorize payments, investment trades, tax submissions or changes to a third-party account. Such actions require the particular permissions, instructions and approvals applicable to that action. We do not guarantee approval of bank accounts, financing, government filings, refunds, tax credits or other third-party outcomes.

Max AI is optional. It can assist with questions, summaries and available workflow tools, but generated output may be inaccurate, incomplete or out of date. Review it against source records and obtain qualified advice for consequential tax, legal, accounting or financial decisions. AI output and website articles are not a signed professional opinion or an independently verified assurance report.

A chat instruction does not expand the scope of an engagement or authorize a restricted action. Approvals, access controls and professional review required for a workflow still apply. We do not use client business records, uploaded documents or Max AI conversations to train our own or third-party AI models. Processing relevant information to answer an authorized request is distinct from training. The Privacy policy describes that processing.

Public market, reference, comparison and calculator content is informational. It may include estimates, delayed data or third-party information. It is not an offer of securities, an investment recommendation or a guarantee of savings. Confirm figures and assumptions before relying on them.

As between the parties, you retain your rights in the records, documents, logos and other material you provide. You grant us a limited right to host, copy, process, transmit and make that material available only to deliver and support the services, follow your lawful instructions, protect the services and meet legal obligations. This right does not authorize sale of confidential client records or use of those records to train AI models.

Subject to payment of applicable fees, you may use the customer-specific reports and deliverables supplied for your business purposes. We and our licensors retain rights in the Institution software, site, brand, underlying methods, templates and pre-existing materials. You receive a limited, nonexclusive right to use those embedded materials as necessary to use your deliverables. We do not claim ownership of your underlying financial information.

Do not copy or redistribute our software, impersonate our brand or remove ownership notices without permission. You may provide voluntary feedback; we may use it to improve the service without taking ownership of your confidential information. Public use of your name or logo as a testimonial or endorsement requires your permission.

Each party will use the other's nonpublic business, financial and technical information only for the engagement or another permitted purpose, protect it with reasonable care, and restrict disclosure to people and providers who need it and are subject to appropriate confidentiality duties. Information is not confidential to the extent it is lawfully public, already known without restriction, independently developed, or lawfully received from another source.

A party may disclose information when lawfully required, with notice where permitted and reasonable steps to limit disclosure. Customer-authorized government filings and public registries may become public records. These confidentiality terms do not prevent lawful reporting to regulators, protected disclosures or the exercise of legal rights.

Personal information is handled under the Privacy policy and any applicable data processing agreement. The customer is responsible for lawful instructions and notices for personal information it submits. We remain responsible for the obligations applicable to our role. Neither this agreement nor an account administrator's instruction waives an individual's nonwaivable privacy rights.

We use reasonable efforts to operate the services and protect information, but no system can guarantee continuous availability or absolute security. We may perform maintenance, fix defects, update features or retire a feature. Material reductions to a purchased service during a prepaid term will be addressed through a reasonable substitute or an appropriate refund for the unavailable portion, subject to the accepted agreement and mandatory law.

No uptime commitment, certification, insurance coverage or recovery time is promised unless expressly stated in a signed agreement. The Security page describes the stated operating approach; illustrative interfaces are not proof that a particular control is enabled for your account. Report suspected incidents promptly and avoid including sensitive records in an initial report.

You must follow the Acceptable use policy. We may restrict the minimum affected access where reasonably necessary to address a security threat, unlawful conduct, material breach, unauthorized use, a legal order or overdue undisputed fees. Where safe and practical, we will give notice, explain the issue and allow a reasonable opportunity to cure. Immediate action may be necessary to protect people, data or the service.

We may terminate a materially breached engagement if the breach is not cured within a reasonable period stated in notice, or immediately where cure is impossible or continued performance would be unlawful. Suspension does not authorize us to charge for services we permanently decline to deliver. Refunds, earned fees, statutory duties and record access are addressed under the applicable agreement and law.

We will perform purchased services with reasonable skill and care within the agreed scope. Tell us promptly about a material service error so we can investigate and, where appropriate, correct or reperform the affected work. This process does not replace a statutory remedy or shorten a legally applicable claim period.

To the fullest extent permitted by law, the website, free features, general reference content and AI output are provided as available, without implied warranties of merchantability, fitness for a particular purpose or noninfringement. We do not promise uninterrupted operation, a specific tax result, regulatory approval, detection of every error or suitability for a use outside the engagement. These limitations do not override an express promise in a signed agreement or a warranty that cannot lawfully be excluded.

To the extent permitted by law, neither party is liable to the other under these Terms for indirect, incidental, special, exemplary or consequential damages, or lost profits, lost business opportunities or loss of goodwill, arising from the services, even if advised of the possibility. This exclusion does not reclassify a direct loss as indirect merely because it concerns financial information.

Except for the exclusions below and a different cap expressly agreed in a signed engagement, each party's aggregate liability arising from an affected service is limited to the greater of US $100 or the fees paid or payable to Institution for that affected service during the 12 months before the event giving rise to the claim. For multiple claims arising from the same or related events, the cap applies in aggregate.

Neither the damages exclusion nor the cap applies to fraud, willful misconduct, gross negligence, death or personal injury caused by negligence, a party's infringement or misappropriation of the other's intellectual property, or liability that applicable law prohibits limiting. Your obligation to pay properly authorized earned fees and each party's obligation to return money or property it has no right to retain are not limited by the cap. Regulatory obligations and individual privacy rights remain enforceable as applicable law requires.

Each party must take reasonable steps to mitigate loss. Responsibility is assessed to the extent the loss was caused by that party, taking account of customer instructions, provider failures and each party's contractual duties. A government penalty caused by our breach is not automatically excluded simply because it was imposed by a government agency.

For business customers, you will defend and indemnify Institution against a third-party claim to the extent caused by your unlawful use of the services, material breach of the Acceptable use policy, or submission of material that infringes that third party's rights. This obligation does not apply to the extent the claim results from our breach, negligence, unauthorized alteration of your material or unlawful conduct.

We must promptly notify you of a covered claim, allow you to control its defense with competent counsel, and reasonably cooperate at your expense. Delayed notice reduces the obligation only to the extent it prejudices the defense. You may not agree to a settlement that admits wrongdoing by us, imposes a nonmonetary obligation on us or fails to release us without our written consent, which will not be unreasonably withheld. No consumer indemnity is imposed where prohibited by law.

Contact institution.legal@premiergm.com with the customer name, relevant order and a description of the dispute. The parties will try in good faith to resolve it for 30 days after receipt before filing an ordinary contract claim. This process does not bar urgent protective relief, a regulatory complaint, small-claims proceedings where available, payment disputes or a claim whose deadline would otherwise expire.

Delaware law governs these Terms, excluding its conflict-of-law rules, except that mandatory laws and protections applicable to you remain effective. Subject to those protections, courts with competent jurisdiction in Delaware are the agreed forum. Consumers retain any mandatory right to bring proceedings in their home jurisdiction. These Terms do not impose mandatory arbitration or a waiver of rights that cannot legally be waived.

We may send service notices to the email address associated with your account or through the dashboard. Keep your contact information current. Send contractual notices to our legal email or postal address listed above. Email notice is effective when received, excluding a message rejected as undeliverable. Formal service of legal process must follow applicable law; an email address alone does not appoint an agent for service.

We may update these Terms prospectively. The effective date identifies the published version. We will give reasonable advance notice of material changes affecting existing services and obtain fresh acceptance where required. Changes will not retroactively alter an accrued claim or override a signed fixed-term engagement. Continued use after valid notice and the effective date may constitute acceptance where permitted; silence does not supply a separate consent required by law.

Neither party is liable for delay caused by events beyond its reasonable control, including major outages, natural disasters, government action or widespread communications failures, to the extent it takes reasonable mitigation steps. The affected party will notify the other of material disruption. This does not excuse payment of earned undisputed fees or permit indefinite retention of fees for permanently unperformed work.

The parties are independent contractors. Neither can bind the other except under an express limited authorization. You may not transfer an engagement without consent, except as allowed by a signed agreement. We may transfer it in a genuine merger, reorganization or business sale if the successor assumes the obligations and the transfer does not reduce mandatory rights. A transfer involving personal information remains subject to the Privacy policy and applicable law.

If a provision is unenforceable, it will be limited only as needed or severed, and the remainder remains effective. Failure to enforce a provision immediately is not a waiver. These Terms and incorporated agreements are the entire agreement on their subject. Provisions concerning earned payments, records, confidentiality, intellectual property, liability and disputes survive to the extent their purpose requires. No person other than the parties receives contractual rights unless expressly stated or required by law.