These Terms of Service ("Terms") govern your access to and use of the website located at hold.tax (the "Site") and all services provided by Hold ("Company," "we," "us," or "our"), including our IRS collection intervention and related tax assistance services (collectively, the "Services").

By accessing the Site, submitting a request form, making a payment, or otherwise engaging with our Services, you ("Client," "you," or "your") agree to be bound by these Terms. If you do not agree, do not use the Site or Services.

These Terms constitute a legally binding agreement between you and Hold. Please read them carefully.

1. Description of Services

Hold provides IRS collection intervention services. Our primary service consists of contacting the Internal Revenue Service (IRS) on your behalf and requesting a temporary hold on active collection actions. This temporary hold is an IRS-administered pause designed to give the taxpayer time to organize their financial information and respond to the IRS.

The Services may include, but are not limited to:

• Contacting the IRS to request a temporary collection hold on your account
• Reviewing your IRS collections situation and advising on next steps
• Assisting you in understanding your options, including installment agreements, currently not collectible (CNC/hardship) status, offers in compromise (OIC), and other resolution pathways
• Assistance in gathering and preparing documentation for IRS financial disclosure forms, including Form 433-A, 433-B, and 433-D
• Communication with the IRS regarding your account status
• Guidance on responding to IRS notices and collection letters

Hold is not a law firm, CPA firm, or enrolled agent practice. We do not provide legal advice, tax advice, or representation before the IRS in a legal proceeding. If you require legal representation, licensed tax representation, or enrolled agent services, we will refer you to appropriate professionals.

2. The Temporary Collection Hold — What It Is and What It Is Not

The core service provided by Hold is the facilitation of a temporary hold on IRS collection activity. It is critical that you understand the nature and limitations of this hold:

2.1 What the Hold Is

A temporary collection hold is a period during which the IRS agrees to pause active collection actions — such as bank levies, wage garnishments, or asset seizures — while the taxpayer provides the IRS with financial information needed to determine the appropriate resolution. This hold is granted at the discretion of the IRS and is not a permanent resolution of your tax debt.

2.2 Minimum Hold Period

Our Services are designed to obtain a minimum of a two (2) week collection hold from the IRS. The actual hold period granted may be longer depending on your situation, IRS workload, and other factors outside our control. We cannot guarantee any specific duration beyond the minimum two-week period.

2.3 What the Hold Is Not

• The hold is not a permanent resolution, forgiveness, or elimination of your tax debt.
• The hold does not stop interest and penalties from accruing on your outstanding balance. The IRS continues to add interest and applicable penalties during the hold period.
• The hold does not constitute an installment agreement, offer in compromise, currently not collectible status, or any other formal resolution.
• The hold does not guarantee any particular outcome in your tax case.
• The hold does not prevent the IRS from filing a Notice of Federal Tax Lien if one has not already been filed.

2.4 IRS Discretion

All determinations regarding the approval, duration, and terms of any collection hold, as well as any subsequent resolution of your tax case (including but not limited to installment agreements, currently not collectible status, offers in compromise, and hardship determinations), are made solely at the discretion of the Internal Revenue Service. Hold has no authority to compel the IRS to grant a hold or approve any resolution. All qualifications for IRS programs are subject to IRS criteria, guidelines, and approval.

3. Fees and Payment

3.1 Service Fee

The fee for our primary collection hold service is five hundred dollars ($500.00 USD), payable in full at the time of engagement. All fees are charged in United States dollars. Payment is processed securely through Stripe.

3.2 Additional Services

Fees for services beyond the initial collection hold intervention (such as ongoing IRS representation, document preparation, or resolution assistance) will be disclosed to you in writing before any additional charges are incurred. You will not be charged for additional services without your explicit consent.

3.3 No Ongoing Contract

The initial service fee is a one-time charge for the collection hold intervention. There is no recurring fee, subscription, or ongoing contract obligation associated with the initial service, unless you separately agree to additional services in writing.

3.4 Payment Processing

Payments are processed by Stripe, Inc. By making a payment, you also agree to Stripe's Terms of Service and Privacy Policy. Hold does not store your full payment card information.

5. Client Responsibilities

You agree to:

• Provide accurate, complete, and truthful information about your identity, tax situation, and IRS account status
• Respond promptly to our requests for information, documentation, or authorization
• Notify us immediately of any changes in your IRS situation, including any contact from the IRS after our engagement begins
• Not misrepresent your financial situation, tax liabilities, or identity to us or to the IRS
• Understand that the hold is temporary and take necessary steps to address your underlying tax situation during the hold period
• Use the Site and Services only for lawful purposes and in compliance with all applicable federal, state, and local laws

6. Authorization to Contact the IRS

By engaging our Services, you authorize Hold and its representatives to contact the Internal Revenue Service on your behalf for the purpose of requesting a temporary collection hold and discussing the status of your IRS account in connection with that request. This authorization is limited to the scope of the Services described herein. You may revoke this authorization at any time by notifying us in writing, provided that revoking authorization after services have commenced does not entitle you to a refund.

You understand that in order to contact the IRS, we will use your name, Social Security Number or Employer Identification Number (as applicable), and other identifying information as required by the IRS. You consent to providing this information for this purpose.

7. No Legal, Tax, or Financial Advice

Nothing in our Services, on our Site, or in any communication from Hold constitutes legal advice, tax advice, or financial advice. We are not attorneys, CPAs, enrolled agents, or licensed financial advisors. Our Services are administrative and facilitation-based in nature. We help you communicate with the IRS but do not represent you in a legal capacity.

You are encouraged to consult with a licensed tax professional, enrolled agent, CPA, or tax attorney for legal and tax advice specific to your situation. Hold is not responsible for any tax, legal, or financial decisions you make based on information obtained through our Site or Services.

8. Disclaimer of Warranties

THE SITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR RESULT IN A PARTICULAR OUTCOME.

We do not warrant that the Site will be available at all times, that errors will be corrected, or that the Site or the server that makes it available are free of viruses or other harmful components.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, HOLD AND ITS OWNERS, EMPLOYEES, CONTRACTORS, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SITE OR SERVICES.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU EXCEED THE AMOUNT YOU PAID TO US FOR THE SERVICES IN THE THREE (3) MONTHS PRECEDING THE CLAIM.

These limitations apply regardless of the theory of liability (contract, tort, negligence, strict liability, or otherwise) and even if Hold has been advised of the possibility of such damages.

10. Indemnification

You agree to indemnify, defend, and hold harmless Holdand its owners, officers, employees, contractors, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with: (a) your use of the Site or Services; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) any false, inaccurate, or misleading information you provide to us or to the IRS.

11. Intellectual Property

All content on the Site, including text, graphics, logos, images, and software, is the property of Hold or its licensors and is protected by applicable copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of any Site content without our express written permission.

The name "Hold," the domain hold.tax, and any associated logos or marks are proprietary to Hold. Nothing in these Terms grants you any license to use our trademarks or branding.

12. Communications Consent

By submitting your contact information through our Site, you consent to receive communications from Hold by email, phone, and SMS/text message regarding your inquiry or case. Standard message and data rates may apply to text messages. You may opt out of marketing communications at any time by replying STOP to any text message or contacting us at support@hold.tax. Service-related communications regarding your active case are not marketing and may continue until your case is resolved or closed.

13. Privacy

Your use of the Site and Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Site or Services, you consent to the collection and use of your information as described in the Privacy Policy.

14. Governing Law and Dispute Resolution

14.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles. Any legal action or proceeding arising under these Terms shall be brought exclusively in the state or federal courts located in Los Angeles County, California.

14.2 Informal Resolution

Before initiating any formal legal proceeding, you agree to first contact us at support@hold.tax and attempt to resolve the dispute informally. We will make good-faith efforts to resolve disputes within thirty (30) days of receiving notice.

14.3 Arbitration

If informal resolution fails, any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be settled by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration shall take place in Los Angeles, California, or via remote hearing. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

14.4 Class Action Waiver

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDING WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT AS A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

15. Termination

We reserve the right to suspend or terminate your access to the Site or Services at any time, with or without notice, if we determine that you have violated these Terms, provided false information, or engaged in conduct that we deem harmful to us, other clients, or third parties. Upon termination, your right to use the Site and Services ceases immediately.

Termination does not affect any refund rights under Section 4 where the Services have not been performed.

16. Modifications to Terms

We may update these Terms at any time. When we do, we will update the effective date above. For material changes, we will provide notice via email or Site announcement. Your continued use of the Site or Services after changes are posted constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Site and Services.

17. Entire Agreement

These Terms, together with our Privacy Policy and any written service agreements between you and Hold, constitute the entire agreement between you and Hold with respect to the subject matter herein and supersede all prior or contemporaneous understandings, agreements, representations, or warranties.

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.

18. Contact Us

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