1. About Stellar Finance Haus
Stellar Finance Haus provides accounting, tax preparation and coordination, bookkeeping, financial organization, compliance support, and related services.
Certain services may be provided by or coordinated with qualified accountants, tax professionals, CPAs, contractors, or other specialists.
The specific professional services we provide to you, including scope, fees, responsibilities, deadlines, and deliverables, will be described separately in an engagement letter, proposal, service agreement, or other written agreement.
These Terms govern use of the Platform and do not replace any separate professional-services agreement.
2. Eligibility and Account Registration
You must provide accurate and complete information when creating your account.
You are responsible for:
- Maintaining the confidentiality of your login credentials
- Keeping your contact information current
- Protecting access to your email and devices
- Promptly notifying us if you believe your account has been compromised
You may not share your login credentials with unauthorized persons.
Where available, you may invite authorized individuals such as a spouse, business partner, attorney, accountant, or advisor through the Platform’s access controls.
3. Client Information
You are responsible for providing complete, accurate, and timely information necessary for Stellar Finance Haus to perform requested services.
This may include:
- Tax forms
- Income records
- Bank statements
- Business records
- Investment documents
- Cryptocurrency information
- Entity information
- Government notices
- Act 60 documentation
- Residency and travel information
- Payroll records
- Other financial or tax-related information
We may rely on information you provide unless we have agreed in writing to independently verify it.
You are responsible for reviewing documents, tax returns, filings, and information presented to you for accuracy before approval or submission where your approval is required.
4. Client Portal
The Platform may allow you to:
- Upload documents
- View requested documents
- Track tax return status
- Review filings and deadlines
- View bookkeeping information
- Track Act 60 compliance information
- Track Puerto Rico residency information
- View entities
- Access financial dashboards
- Manage external portal references or connections
- Communicate with your Stellar Finance Haus team
- Review tasks and requests
- Access historical records
Features available to you depend on the services assigned to your account.
Not every feature is available to every client.
5. Dashboard Information
Dashboard information is provided to help organize and present your financial, accounting, tax, and compliance information.
Statuses such as:
- Filed
- Current
- On Track
- Verified
- Completed
- Accepted
- Estimated
- Needs Review
are informational and should be interpreted in the context of your engagement with Stellar Finance Haus.
A dashboard indicator does not independently constitute a legal opinion, tax opinion, audit opinion, or guarantee of compliance.
Residency trackers and day counters are organizational tools. Final determinations regarding tax residency or eligibility for tax incentives depend on applicable law and the client’s specific circumstances.
6. Tax and Accounting Services
Tax laws and accounting requirements vary depending on jurisdiction, entity structure, residency, income, and individual circumstances.
Any tax preparation, accounting, bookkeeping, compliance, or advisory services will be provided according to the scope agreed upon with the client.
Unless specifically included in an engagement:
- We do not continuously monitor every tax or legal obligation you may have.
- We are not responsible for obligations outside the agreed scope.
- We do not provide legal representation.
- We do not guarantee tax outcomes, refunds, credits, incentives, government approvals, or audit results.
Where appropriate, we may recommend that you consult an attorney, CPA, tax attorney, investment professional, or other specialist.
7. Act 60 and Puerto Rico Compliance
Where Act 60 or Puerto Rico compliance services are included in your engagement, the Platform may assist with organization and tracking of matters such as:
- DDEC information
- Hacienda / SURI matters
- Residency information
- Annual filings
- Compliance deadlines
- Donations or supporting records
- Entity compliance
- CRIM information
- Municipal matters
- Other Puerto Rico tax and compliance information
Use of these tools does not independently guarantee compliance with Act 60, Puerto Rico residency requirements, or federal tax requirements.
8. Third-Party Platforms and Integrations
The Platform may provide links to or integrations with third-party services such as:
- IRS systems
- Hacienda / SURI
- DDEC
- CRIM
- Puerto Rico Department of State
- QuickBooks
- Banks and financial institutions
- Payroll providers
- Payment processors
- Carta
- Pulley
- AngelList
- Brokerage platforms
- Cryptocurrency platforms
- Document storage providers
Third-party services are governed by their own terms and privacy policies.
We are not responsible for the availability, accuracy, security, or performance of third-party platforms.
Unless expressly supported through a secure authorized integration, Stellar Finance Haus does not require clients to store third-party passwords within the Platform.
9. Fees and Payment
Professional service fees are governed by your engagement letter, proposal, subscription plan, or other written agreement.
Fees may include:
- Annual tax preparation fees
- Monthly bookkeeping fees
- Accounting fees
- Compliance services
- Setup or onboarding fees
- Cleanup work
- Special projects
- Crypto accounting
- Tax preparation
- Advisory services
- Third-party professional fees
Additional work outside the agreed scope may require additional fees.
10. Electronic Communications
By using the Platform, you consent to receiving service-related electronic communications, including:
- Account notifications
- Document requests
- Filing updates
- Tax reminders
- Security alerts
- Messages
- Deadline reminders
You may adjust certain notification preferences through your account.
Essential security or account-related notices may still be sent even if optional notifications are disabled.
11. Electronic Documents and Signatures
Where permitted, the Platform may allow electronic delivery, approval, acknowledgment, or signature of documents.
Your electronic actions may be treated as your authorization when permitted by applicable law.
12. Confidentiality and Data Security
We take reasonable administrative, technical, and organizational measures to protect client information.
However, no online system can guarantee absolute security.
You are responsible for promptly notifying us if you suspect:
- Unauthorized access
- Credential theft
- Fraud
- Loss of a device containing account access
- Incorrect access permissions
13. Acceptable Use
You may not use the Platform to:
- Access another client’s information without authorization
- Upload malicious software
- Attempt to bypass security controls
- Interfere with Platform operation
- Use another person’s credentials without authorization
- Conduct illegal activity
- Attempt to reverse engineer or exploit the Platform
We may suspend access where necessary to protect clients, Stellar Finance Haus, or the Platform.
14. Intellectual Property
The Stellar Finance Haus name, branding, software interface, dashboard design, workflows, content, and proprietary materials belong to Stellar Finance Haus or its licensors unless otherwise stated.
Client documents and information remain the property of the client or applicable owner.
15. Platform Availability
We work to keep the Platform available and functional, but uninterrupted access is not guaranteed.
Maintenance, third-party outages, security events, internet disruptions, or technical issues may temporarily affect availability.
16. Termination
You may stop using the Platform at any time, subject to any obligations under your professional-services agreement.
Stellar Finance Haus may suspend or terminate access for reasons including:
- Nonpayment
- Security concerns
- Misuse
- Fraud
- Termination of the professional relationship
- Legal or regulatory requirements
Termination of Platform access does not eliminate amounts owed or other obligations under separate agreements.
17. Limitation of Liability
To the fullest extent permitted by applicable law, Stellar Finance Haus will not be liable for indirect, incidental, special, consequential, or punitive damages arising solely from use of the Platform.
Nothing in these Terms limits liability where such limitation is prohibited by law or overrides obligations expressly assumed under a separate written professional-services agreement.
18. Changes to These Terms
We may update these Terms from time to time.
If we make material changes, we may notify users through the Platform, by email, or through another reasonable method.
Continued use after the effective date of updated Terms constitutes acceptance where permitted by law.
19. Governing Law
These Terms are governed by the laws of:
[JURISDICTION TO BE CONFIRMED]
without regard to conflict-of-law principles.
20. Contact
Questions regarding these Terms may be sent to:
Stellar Finance Haus
Email:
[SUPPORT EMAIL]