Terms of Service
Last Updated: April 20, 2026
1. Acceptance of Terms
Welcome to Chedr ("Chedr," "we," "our," or "us"). By accessing or using our website, mobile application, or services (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use our Services.
These Terms constitute a legally binding agreement between you and Chedr Inc., a Delaware corporation. We reserve the right to modify these Terms at any time. Your continued use of the Services after changes are posted constitutes acceptance of the modified Terms.
2. Description of Service
Chedr provides AI-powered tax preparation software, financial planning tools, and related services to help users manage their taxes and finances. Our Services include:
- Federal tax return preparation and electronic filing (Form 1040 and supported schedules)
- Financial document processing and analysis
- Tax optimization recommendations
- Financial insights and planning tools
- Secure document storage
- AI-powered financial assistant
State filing is not yet available. Coming in a future release.
The Services are provided "as is" and we reserve the right to modify, suspend, or discontinue any aspect of the Services at any time.
3. Tax Advice Disclaimer
IMPORTANT: Chedr provides tax preparation software and tools ("Software") to help users file their taxes. Chedr does not provide tax, legal, or accounting advice. The Software is not a substitute for professional tax advice.
You are solely responsible for the accuracy and completeness of your tax returns. While our Software helps identify potential deductions and credits, you should consult a licensed tax professional, certified public accountant (CPA), or enrolled agent for personalized tax advice specific to your situation.
No Warranty on Tax Results
CHEDR MAKES NO WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY OF TAX CALCULATIONS, DEDUCTIONS, OR FILING RESULTS. Users should independently verify all tax calculations and consult qualified tax professionals before filing.
IRS Audit Representation
Chedr does not provide IRS audit representation, audit defense services, or legal representation before tax authorities. You are responsible for responding to any IRS inquiries, audits, or notices. We recommend consulting a tax attorney or enrolled agent if you receive an audit notice.
Practitioner Disclosure (Circular 230)
Chedr operates under IRS Electronic Return Originator ("ERO") authorization. Any federal tax advice contained in this communication (including attachments) is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding tax-related penalties under the Internal Revenue Code, or (ii) promoting, marketing, or recommending to another party any transaction or matter addressed herein.
4. User Accounts and Responsibilities
Account Registration
To use certain features of our Services, you must create an account. You agree to:
- Provide accurate, current, and complete information during registration
- Maintain and promptly update your account information
- Maintain the security and confidentiality of your login credentials
- Notify us immediately of any unauthorized access to your account
- Accept responsibility for all activities that occur under your account
Prohibited Uses
You agree not to:
- Violate any applicable laws or regulations
- Upload false, misleading, or fraudulent tax information
- Attempt to access another user's account or data
- Reverse engineer, decompile, or disassemble our Software
- Use automated systems (bots, scrapers) to access the Services
- Interfere with or disrupt the Services or servers
- Transmit viruses, malware, or malicious code
- Use the Services for any illegal or unauthorized purpose
5. Payment Terms
Certain features of our Services require payment of fees. By purchasing a paid plan or service, you agree to pay all applicable fees as described on our pricing page.
Billing
- Fees are charged in advance on a subscription basis (monthly or annually) or per-filing
- All fees are in U.S. dollars and are non-refundable except as required by law or stated in our Refund Policy
- Payment is processed through our third-party payment processor (Stripe)
- You authorize us to charge your designated payment method for all fees
- Subscription fees automatically renew unless canceled before the renewal date
Price Changes
We reserve the right to modify our pricing at any time. Price changes for subscriptions will take effect at the start of the next billing cycle after notice is provided.
6. Limitation of Liability
CRITICAL: Please read this section carefully as it limits our liability to you.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL CHEDR, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR:
- Indirect, Incidental, or Consequential Damages including lost profits, lost revenue, lost data, loss of business opportunity, or tax penalties
- IRS Penalties or Interest resulting from late filing, incorrect tax calculations, or rejected e-files
- Tax Authority Penalties arising from tax filing issues or inaccurate information you provide
- Audit-Related Costs including professional fees, legal representation, or lost time
- Data Loss or Corruption even if we have been advised of the possibility of such damages
OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM OR RELATED TO THE SERVICES SHALL NOT EXCEED THE AMOUNT YOU PAID TO CHEDR IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO LIABILITY, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.
Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitations may not apply to you.
7. Disclaimer of Warranties
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, CHEDR DISCLAIMS ALL WARRANTIES, INCLUDING:
- Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
- Warranties regarding accuracy, reliability, or completeness of tax calculations
- Warranties that the Services will be uninterrupted, timely, secure, or error-free
- Warranties regarding IRS acceptance of electronically filed returns
- Warranties that defects will be corrected or that the Services are free of viruses
You acknowledge that you use the Services at your own risk and that Chedr has no obligation to provide audit defense, tax advice, or legal representation.
8. Indemnification
You agree to indemnify, defend, and hold harmless Chedr, its officers, directors, employees, agents, licensors, and suppliers from and against all claims, losses, expenses, damages, and costs, including reasonable attorneys' fees, arising from or relating to:
- Your use or misuse of the Services
- Your violation of these Terms
- Your violation of any rights of another party
- Inaccurate or fraudulent tax information you provide
- IRS or other tax authority claims against you
- Your violation of applicable laws or regulations
We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate with our defense.
9. Data Ownership and Rights
Your Data
You retain all ownership rights to the data you submit to the Services ("User Data"), including your financial documents, tax returns, and personal information. By using the Services, you grant Chedr a limited, non-exclusive, worldwide license to use, store, and process your User Data solely to provide and improve the Services.
Our Rights
Chedr retains all intellectual property rights in the Services, including our software, algorithms, design, trademarks, and content. You may not copy, modify, distribute, sell, or lease any part of our Services without express written permission.
Aggregated Data
We may use anonymized, aggregated data derived from User Data for analytics, research, and product improvement purposes. This aggregated data does not identify you personally.
10. Termination Rights
Termination by You
You may terminate your account at any time by contacting support@chedr.ai. Upon termination, your access to the Services will cease, but you will retain access to download your tax returns and documents for 90 days.
Termination by Us
We reserve the right to suspend or terminate your access to the Services at any time, with or without notice, for any reason, including:
- Violation of these Terms
- Fraudulent or illegal activity
- Non-payment of fees
- Conduct that harms Chedr or other users
- Extended period of inactivity
Effect of Termination
Upon termination, all licenses and rights granted to you will immediately cease. We may delete your User Data in accordance with our data retention policies, except where required to retain data by law or for legitimate business purposes.
11. Governing Law and Arbitration
Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.
Dispute Resolution
Any dispute, controversy, or claim arising out of or relating to these Terms or the Services shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules.
- Arbitration shall be conducted in Delaware or remotely by mutual agreement
- The arbitrator's decision shall be final and binding
- Each party shall bear its own costs and fees
- You waive your right to participate in class action lawsuits or class-wide arbitration
Exceptions
Either party may seek injunctive relief or other equitable remedies in court to prevent actual or threatened infringement, misappropriation, or violation of intellectual property rights.
12. Privacy and Data Security
Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.
We implement industry-standard security measures including:
- AES-256-GCM encryption for sensitive data at rest
- TLS 1.3 encryption for data in transit
- Multi-factor authentication (MFA)
- Regular security audits and penetration testing
- Enterprise-grade security infrastructure
However, no method of transmission over the internet is 100% secure. You acknowledge that you provide User Data at your own risk.
13. Third-Party Services
Our Services may integrate with or link to third-party services, including:
- Stripe: Payment processing (subject to Stripe's terms)
- Plaid: Bank account verification (subject to Plaid's terms)
- IRS e-File: Electronic tax filing (subject to IRS requirements)
Your use of third-party services is governed by their respective terms and privacy policies. We are not responsible for the practices or content of third-party services.
We may share your data with these third parties as necessary to provide the Services and as described in our Privacy Policy.
14. Changes to Terms
We reserve the right to modify these Terms at any time. When we make material changes, we will:
- Update the "Last Updated" date at the top of this page
- Provide notice through email or in-app notification
- Provide at least 30 days' notice before material changes take effect
Your continued use of the Services after changes take effect constitutes acceptance of the modified Terms. If you do not agree to the changes, you must stop using the Services and terminate your account.
15. General Provisions
Entire Agreement
These Terms, together with our Privacy Policy and any other agreements you enter into with Chedr, constitute the entire agreement between you and Chedr regarding the Services.
Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
Waiver
Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.
Assignment
You may not assign or transfer these Terms or your account without our prior written consent. We may assign these Terms without restriction.
16. Contact Information
If you have questions about these Terms, please contact us:
Chedr Inc.
Email: legal@chedr.ai
Support: support@chedr.ai
1234 Financial District, Suite 500, Wilmington, DE 19801
Legal Notice: These Terms of Service provide a template for legal compliance and should be reviewed by a qualified attorney before publication. This document is not a substitute for professional legal advice. Consult with a lawyer licensed in your jurisdiction to ensure full compliance with applicable laws.