Terms and Conditions - Skyline Financial

Terms & Conditions

Looking to get informed insights from a licensed Houston CPA? Find out how Skyline Financial Management, led by Zahra Samji, supports clients responsibly to tackle their taxes.

Last Updated: October 27, 2025

1. Introduction and Acceptance of a Binding Agreement

Welcome to Skyline Financial Management. These Terms and Conditions (“Terms,” “Agreement”) represent a legally binding contract that governs your access to and use of our website, located at https://www.skylinefinancialcpa.com/ (the “Site”), and any and all financial consulting and advisory services (collectively, the “Services”) provided by Skyline Financial Management. The Firm is a sole proprietorship owned and operated by Zahra Samji, a licensed Certified Public Accountant (CPA).

By accessing, browsing, or using our Site, or by formally engaging our Services through an Engagement Letter, you acknowledge that you have read, understood, and unconditionally agree to be bound by these Terms and our separately posted Privacy Policy. If you do not agree with any part of these Terms, you must immediately cease all use of our Site and decline to engage our Services.

If you are using the Services on behalf of an entity or organization, you represent and warrant that you have the legal authority to bind that entity to this Agreement. In such cases, the terms “Client,” “you,” and “your” will refer to that entity.

2. Detailed Scope and Delimitation of Services

Skyline Financial Management offers specialized tax consulting and advisory services. The scope of these Services is strictly limited to providing guidance, analysis, and support. Services include, but are not limited to, consulting on:

Individual & Investment Taxes: Federal and state income tax matters, including those related to Dividend Income and taxes on Stocks and Bonds, as well as Unemployment and Disability income.
Business & Corporate Taxes: Matters concerning S Corporations, including S Corporation Elections, support for Quarterly Payroll Filing, and guidance on Sales and Use Tax and Franchise Tax obligations.
Specialized Tax Situations: Consulting on issues related to Self-Employment Taxes, Real Estate Taxes, and strategies for addressing Back Taxes.

Crucial Clarification of Firm Status and Professional Limitations:

It is essential for all users and clients to understand the specific professional and legal status of Skyline Financial Management.

Not a CPA Firm: While owned and operated by a licensed CPA, Skyline Financial Management is not a licensed or registered Certified Public Accounting (CPA) firm. This distinction is critical.
Prohibited Services: Consequently, the Firm is legally prohibited from and will not provide services that are statutorily reserved for licensed CPA firms. These prohibited services include, without limitation:
- Attestation Services: Financial statement audits, reviews, or compilations.
- Certain Representations: Formal representation of clients before the Internal Revenue Service (IRS) or other tax authorities in capacities that are exclusively reserved for licensed CPA firms.
Advisory Nature: All Services provided are exclusively advisory, consultative, and educational in nature. The Firm’s role is to empower clients with professional analysis and insights to make their own informed decisions.
No Legal or Investment Advice: The Firm does not provide legal advice or investment advisory services. Any information or guidance that may have legal or investment implications should be independently reviewed with a qualified attorney or registered investment advisor.

3. No Guarantees or Warranties of Outcome

The objective of our Services is to provide professional analysis and guidance based on the information provided by you and our understanding of current tax laws and regulations. You explicitly acknowledge and agree to the following:

No Promised Results: Skyline Financial Management makes no promise, warranty, or guarantee, whether express or implied, regarding any specific financial outcome, tax savings, or result from the use of our Services. We do not use terms such as “ensure,” “guarantee,” “maximize,” or “promise.”
Client’s Ultimate Responsibility: The Client retains sole and ultimate responsibility for all financial decisions and for the accuracy and completeness of any tax return filed with any tax authority. Our role is to advise; your role is to decide.
Dynamic Legal Environment: Tax laws, regulations, and their interpretations are complex and subject to change, sometimes retroactively. Our advice is rendered based on the laws in effect at that time. We have no ongoing obligation to update you or our past advice for any subsequent changes in the law unless we are specifically engaged to do so under a new agreement.

4. Client Responsibilities, Covenants, and Obligations

The quality and accuracy of our Services are fundamentally dependent on your cooperation and the information you provide. As a client, you agree to the following responsibilities:

Provision of Accurate and Complete Information: You are solely responsible for providing all necessary financial records, documents, and information in a complete, accurate, and timely manner. We will not audit, verify, or investigate the information you provide, and we will rely on it as presented. Omissions, misrepresentations, or inaccuracies may lead to incorrect advice, for which we shall not be held liable.
Maintenance of Records: You are responsible for maintaining all original supporting documentation (such as receipts, bank statements, and brokerage reports) necessary to substantiate your tax positions.
Thorough Review and Final Approval: You agree to carefully review all documents, reports, and tax forms we prepare for you. Before you sign and/or file any document, you must ensure its accuracy and completeness. Your signature is a legal attestation that you have reviewed and approved the content.
Timely Communication: You must promptly inform us of any changes to your personal, financial, or business situation, or any other relevant facts that could impact the Services we are providing.
Adherence to Payment Terms: You agree to pay for all Services rendered in accordance with the fee structure and payment schedule outlined in your executed Engagement Letter.

5. Fees, Payment, Engagement Letters, and Termination

The professional relationship for specific Services is formalized through an Engagement Letter.

Engagement Letter: Prior to commencing any substantive work, we will provide you with an Engagement Letter detailing the specific Services to be performed, the associated fees, the payment schedule, and any other relevant terms. This Agreement, in conjunction with the Engagement Letter, constitutes the entire contract for that engagement.
Scope Creep: Any services requested that fall outside the scope defined in the Engagement Letter will require a written amendment or a new Engagement Letter and may be subject to additional fees.
Payment: Unless otherwise specified, payment is due upon receipt of our invoice. We reserve the right to suspend Services for overdue accounts and to charge interest on unpaid balances.
Termination: Either party may terminate an engagement in writing. In the event of termination, you agree to pay for all work performed and expenses incurred up to the date of termination.

6. Confidentiality, Data Security, and Privacy

We are legally and ethically bound to maintain the confidentiality of your information.

Strict Confidentiality: We will hold all of your personal and financial information in the strictest confidence. We will not disclose this information to any third parties except as required by law, professional regulations, to prevent a crime, or with your explicit, written consent.
Permitted Disclosures: You acknowledge that we may use third-party cloud-based software and service providers for functions like document management and client communication. We will take reasonable professional care to select secure and reputable providers.
Privacy Policy: For a comprehensive explanation of how we collect, use, and protect your data, please review our separate Privacy Policy.

7. Intellectual Property Rights

All content on the Site, as well as proprietary methodologies, templates, checklists, and analytical tools used in the performance of our Services, constitute the intellectual property of Skyline Financial Management.

Ownership: You acknowledge that all intellectual property is owned by the Firm.
Limited License: Upon engagement, you are granted a limited, non-exclusive, non-transferable license to use the deliverables (such as reports or analyses) for your personal or internal business purposes only. You may not reproduce, distribute, or create derivative works from our intellectual property without our express written consent.

8. Disclaimers of Warranties

General Information: The content on the Site is provided for general informational purposes only and should not be considered a substitute for personalized professional advice.
“AS IS” Basis: The Site and our Services are provided on an “AS IS” and “AS AVAILABLE” basis. We disclaim all warranties, express or implied, including the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be error-free or that access thereto will be continuous or uninterrupted.
Third-Party Links: The Site may contain links to third-party websites. We are not responsible for the content, accuracy, or opinions expressed on such websites.

9. Comprehensive Limitation of Liability

To the maximum extent permitted by applicable law, Skyline Financial Management, including its owner, employees, and agents, shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenues, data, or other intangible losses, resulting from:
(a) your use of our Services or the information provided therein;
(b) your provision of incorrect, incomplete, or fraudulent information;
(c) any reliance you place on the general information provided on the Site.

IN NO EVENT SHALL THE TOTAL AGGREGATE LIABILITY OF SKYLINE FINANCIAL MANAGEMENT FOR ALL CLAIMS, DAMAGES, AND CAUSES OF ACTION ARISING FROM OR RELATING TO OUR SERVICES EXCEED THE TOTAL AMOUNT OF FEES ACTUALLY PAID BY YOU TO THE FIRM FOR THE SPECIFIC SERVICE GIVING RISE TO THE CLAIM IN THE TWELVE (12) MONTHS PRECEDING THE EVENT.

10. Indemnification

You agree to defend, indemnify, and hold harmless Skyline Financial Management and its owner from and against any and all claims, damages, liabilities, losses, costs, and expenses (including reasonable attorneys’ fees) arising from or in any way connected with: (a) your breach of any of these Terms; (b) your provision of inaccurate, incomplete, or misleading information; or (c) your willful misconduct or negligence.

11. Governing Law and Dispute Resolution

Governing Law: This Agreement shall be governed by and construed in accordance with the laws of the State of Texas, without giving effect to any principles of conflicts of law.
Dispute Resolution: The parties agree to first attempt to resolve any dispute arising out of this Agreement through good-faith negotiation. If the dispute cannot be resolved informally within thirty (30) days, it shall be submitted to the exclusive jurisdiction of the state and federal courts located in the United States, Texas.

12. Amendments and Modifications

We reserve the exclusive right to amend, modify, or revise these Terms at any time. We will notify you of any material changes by posting the updated Terms on this page and revising the “Last Updated” date. Your continued use of the Site or our Services after such changes become effective constitutes your binding acceptance of the revised Terms.

13. Miscellaneous Provisions

Entire Agreement: These Terms, together with your executed Engagement Letter and our Privacy Policy, represent the entire and exclusive understanding and agreement between you and Skyline Financial Management.
Severability: If any provision of these Terms is held to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible, and the other provisions of these Terms will remain in full force and effect.
No Waiver: The failure of the Firm to enforce any right or provision of these Terms will not be considered a waiver of those rights.
Force Majeure: We shall not be liable for any delay or failure to perform resulting from causes outside our reasonable control, including but not limited to acts of God, war, terrorism, riots, or natural disasters.
Contact: For any questions regarding these Terms, please contact us via the contact information provided on our Site.