TERMS OF SERVICE

1. Acceptance of Terms
By accessing our website, submitting forms, booking appointments, or using Monova’s services, you agree to these Terms of Service. If you do not agree, please discontinue use of our services.

2. Services Provided
Monova provides tax, accounting, bookkeeping, financial advisory, and related consulting services, delivered virtually or in person.

3. SMS Program & Description of Use Cases
By providing your mobile number and opting in, you agree to receive SMS messages from Monova related to:

Appointment confirmations, reminders, and scheduling updates

Onboarding and document requests

Service updates, deadlines, and important notices

Occasional educational or informational messages related to our services

We do not send unsolicited SMS messages; all messaging is based on your explicit opt‑in.

4. Opt‑In and Opt‑Out Instructions
You may opt in via:

Website forms with explicit consent checkboxes

Email links directing you to a consent form

SMS keywords such as START, YES, or similar

You may opt out at any time:

SMS: Reply STOP to any message to unsubscribe from SMS communications.

Email: Click the Unsubscribe link in any email.

Your choices will be honored promptly within a reasonable timeframe.

5. Message & Data Rate Disclosure
Message and data rates may apply to SMS communications, depending on your mobile carrier and plan. You are responsible for any charges imposed by your carrier.

6. Carrier Liability Disclaimer
Mobile carriers are not liable for delayed or undelivered messages. Delivery of SMS messages is subject to effective transmission by your carrier and network operator, which are outside our control.

7. Age Restriction
Our services and SMS program are intended for individuals 18 years of age or older. By using our services or enrolling in our SMS program, you represent that you are at least 18.

8. Customer Support Contact
For help or questions regarding our services or SMS program, contact us at:
[email protected]
Phone +1 630-686-7066

9. Link to Privacy Policy
Your use of our services is also governed by our Privacy Policy, which explains how we collect, use, and protect your information. You can review it here: “View our Privacy Policy”

10. Client Responsibilities
You agree to:

Provide accurate and complete information

Respond to requests in a timely manner

Review documents before submission

Use our services only for lawful purposes

11. Payment & Billing
You agree to pay all fees associated with services as outlined in your engagement or invoice. Payment terms, billing schedules, and any late fees will be specified in your engagement letter or invoice.

12. No Guarantees or Financial Outcomes
We do not guarantee specific tax refunds, audit outcomes, financial results, or business performance. Our advice is based on the information you provide and applicable laws at the time of service.

13. Limitation of Liability
To the fullest extent permitted by law, Monova is not liable for indirect, incidental, consequential, or special damages, including loss of data or financial losses, arising from the use of our services or communications, even if advised of the possibility of such damages.

14. Intellectual Property
All content on our website and in our materials (text, graphics, branding, and resources) is owned by Monova and may not be reproduced or distributed without our written permission.

15. Termination
We may suspend or terminate services if you violate these Terms, fail to pay fees when due, or provide false or misleading information. You may terminate services at any time by notifying us; however, you remain responsible for any outstanding fees.

16. Governing Law
These Terms are governed by the laws of the State of Illinois, without regard to conflict of law principles.

17. Changes to These Terms
We may update these Terms from time to time. Continued use of our services after changes are posted constitutes acceptance of the updated Terms.

18. Contact Information

For questions about these Terms, contact us at: [email protected]