Terms of Service

Effective Date: 07/15/2026

Last Updated: 07/15/2026

These Terms of Service ("Terms") govern your use of the website operated by Gabby Dade & Co, LLC dba Sumvera Advisory ("Sumvera Advisory," "Firm," "we," "us," or "our") at sumveraadvisory.com and any related online scheduling, payment, communication, intake, and informational features.

By accessing or using this website, booking an appointment, submitting information through the website, or purchasing a paid consultation, you agree to these Terms. If you do not agree, do not use the website.

1. Who We Are

Gabby Dade & Co, LLC dba Sumvera Advisory is a Texas-based tax and advisory firm. The Firm provides tax preparation, bookkeeping, IRS representation, business and nonprofit formation support, tax advisory, and related professional services for clients in the United States.

The Firm is owned by an IRS Enrolled Agent. An Enrolled Agent is federally authorized to represent taxpayers before the Internal Revenue Service and is subject to Circular 230 and other applicable professional standards.

The Firm is not a law firm and does not provide legal services. The Firm is also not a CPA firm. When appropriate and authorized, the Firm may coordinate with attorneys, accountants, and other financial professionals, and legal matters may be referred to licensed counsel.

2. Website Purpose

This website is provided for general information about the Firm and its services, online appointment booking, paid consultations, and communications with prospective or current clients. Website content is not a substitute for individualized professional advice based on your full facts, records, and legal or tax position.

3. No Engagement Created by Website Use

Using this website, sending us a message, scheduling a call, or paying for a consultation does not by itself create a client relationship for ongoing services. No tax preparation, representation, advisory, bookkeeping, formation, or other professional engagement begins unless and until the Firm accepts the engagement and both sides enter into a separate written engagement agreement or other written authorization required by the Firm.

No attorney-client relationship is created through this website, any consultation, or any communication with the Firm.

4. No Guaranteed Outcome

The Firm does not guarantee any specific tax result, IRS outcome, refund amount, filing position acceptance, audit result, penalty waiver, entity approval, exemption approval, or business result. Outcomes depend on facts, documentation, applicable law, agency action, timing, and third-party systems.

Any examples, estimates, timelines, or planning discussions on the website or in a consultation are informational only and should not be understood as promises or guarantees.

5. Description of Services

Services described on the website may include, without limitation:

• Tax return preparation.
• Tax planning and advisory.
• Bookkeeping and accounting support.
• IRS representation and tax-resolution support, where permitted.
• Business and nonprofit formation support.
• Paid consultations and strategy sessions.
• Coordination with outside professionals, where appropriate and authorized.

Not all services are available in every jurisdiction or for every matter. The Firm may decline any inquiry or engagement in its discretion, including for conflict, scope, timing, compliance, platform, or capacity reasons.

6. User Responsibilities and Prohibited Uses

You agree to use the website lawfully and accurately. You agree not to:

• Submit false, misleading, or incomplete information.
• Use the website in a way that could harm, disable, overload, or interfere with the website or its security.
• Attempt unauthorized access to any account, system, spreadsheet, portal, or data.
• Use the website to transmit unlawful, harassing, fraudulent, infringing, or malicious material.
• Impersonate another person or misrepresent your identity or authority.
• Reverse engineer, scrape, copy, or exploit website content or systems except as allowed by law and these Terms.
• Upload material containing malware, ransomware, spyware, or other harmful code.

You are responsible for the accuracy, legality, and completeness of information you provide. You should not submit highly sensitive documents through general website forms unless the Firm specifically directs you to a secure channel.

7. Scheduling and Consultations

The website may allow you to request or book appointments through the Firm's live scheduling workflow, which currently includes SuiteDash. Appointment times are not final until confirmed by the Firm or through the applicable scheduling system.

Paid consultations are limited to the time booked and the scope reasonably covered during that session. A consultation is informational and preliminary unless the Firm separately agrees in writing to provide ongoing services.

The Firm may reschedule, decline, or cancel appointments for operational, ethical, safety, legal, or conflict reasons.

8. Fees, Payments, and Refunds

Fees for consultations and other website-purchased services will be shown at the time of booking or purchase. By submitting payment information, you authorize the applicable payment processor to charge the amount shown, plus any disclosed taxes or fees.

Payments may be processed through providers such as Chase, QuickBooks Online, or other payment-service providers used by the Firm.

Paid consultation fees are non-refundable once the booking is completed, except where required by applicable law or where the Firm expressly states otherwise in writing.

If a charge is declined, reversed, disputed, or not successfully processed, the Firm may cancel the appointment, suspend access, or require an alternative payment method before providing services.

9. Cancellation and Rescheduling Policy

Appointments are subject to the Firm's cancellation and rescheduling policy, which is incorporated into these Terms.

• A client may cancel or reschedule an appointment at least 24 hours before the scheduled appointment time without charge.
• If a client cancels, reschedules, or misses an appointment with less than 24 hours' notice, the Firm may charge the full fee or treat the consultation fee as forfeited.
• If the client arrives materially late, the Firm may shorten the appointment, reschedule it, or treat it as missed, depending on availability.
• If the Firm cancels, the Firm may offer rescheduling, a credit, or a refund in its discretion unless the law requires otherwise.

If there is any conflict between this section and a clearly posted booking-page policy, the more specific booking-page policy controls.

10. Electronic Communications

By using the website or booking an appointment, you consent to receive electronic communications from the Firm about scheduling, reminders, documents, invoices, support, and service-related matters. These communications may be sent by email, SMS, phone, portal notification, or other contact methods you provide, subject to applicable law.

Separate consent may be required for certain marketing communications.

11. Call Recording and AI-Assisted Operations

Calls or virtual meetings may be recorded and transcribed, including through business communication tools, for note-taking, quality control, training, workflow support, and recordkeeping.

The Firm may also use AI-assisted tools in internal workflows to support drafting, review, note organization, and operations. Consumer AI tools used for general research or drafting are not used for client tax return information or personally identifiable client data. The Firm may also use approved commercial AI tools under business terms and applicable data-protection arrangements for limited internal support workflows, subject to internal restrictions and separate review of any workflow that could implicate tax return information rules.

12. Privacy

Your use of the website is also subject to the Firm's Privacy Policy, which explains how information is collected, used, stored, shared, and protected.

13. Third-Party Services and Links

The website may rely on or link to third-party services, including scheduling tools, payment processors, customer relationship management systems, secure portals, workflow automations, communication tools, document tools, analytics providers, AI-assisted tools, and other software vendors. The Firm is not responsible for the content, availability, policies, or practices of third-party websites or services that it does not control.

Links to third-party websites are provided for convenience only and do not imply endorsement.

14. Intellectual Property

The website and its content, including text, branding, design, graphics, logos, downloads, and original materials, are owned by or licensed to the Firm and are protected by applicable intellectual property laws.

You may use the website for personal or internal business informational purposes only. You may not copy, republish, distribute, modify, sell, or create derivative works from website content without prior written permission, except as permitted by law.

15. Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, THE WEBSITE AND ITS CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. THE FIRM DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND SYSTEM AVAILABILITY.

The Firm does not warrant that the website will be uninterrupted, error-free, secure, or free of viruses or other harmful components, or that information on the website will always be current, complete, or suitable for your situation.

16. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, THE FIRM AND ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, AGENTS, AND AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATED TO THE WEBSITE, ITS CONTENT, A BOOKING, OR YOUR USE OF OR INABILITY TO USE THE WEBSITE.

TO THE FULLEST EXTENT PERMITTED BY LAW, THE FIRM'S TOTAL LIABILITY FOR CLAIMS RELATING TO THE WEBSITE OR A PAID CONSULTATION BOOKED THROUGH THE WEBSITE WILL NOT EXCEED THE AMOUNT YOU PAID TO THE FIRM FOR THE SPECIFIC WEBSITE-BOOKED SERVICE GIVING RISE TO THE CLAIM, OR $1,000, WHICHEVER IS GREATER.

Nothing in these Terms excludes liability that cannot legally be excluded.

17. Indemnification

You agree to defend, indemnify, and hold harmless the Firm and its owners, officers, employees, contractors, agents, and affiliates from and against claims, liabilities, damages, judgments, losses, and expenses, including reasonable attorneys' fees, arising out of or related to your misuse of the website, your violation of these Terms, or your violation of another person's rights or applicable law.

18. Governing Law and Venue

These Terms and any dispute arising out of or relating to these Terms or the website will be governed by the laws of the State of Texas, without regard to conflict-of-laws rules.

The Firm's owner resides in Collin County, Texas, and the parties agree that Collin County is a reasonable and convenient forum for disputes relating to these Terms and the website. Exclusive venue for any court proceeding will lie in the state or federal courts serving Collin County, Texas, and each party consents to personal jurisdiction there. Texas courts generally enforce forum-selection clauses unless enforcement is shown to be unreasonable or unjust.

19. Changes to Terms

The Firm may update these Terms from time to time. The updated version will be posted on the website with a revised "Last Updated" date. Your continued use of the website after updated Terms are posted constitutes acceptance of the revised Terms, to the extent permitted by law.

20. Contact Information

Questions about these Terms may be sent to:

Gabby Dade & Co, LLC dba Sumvera Advisory
Legal and privacy contact: legal@sumveraadvisory.com
Phone: 469-443-4048

Note: The legal/privacy email above is intended for legal notices and privacy-rights requests. General service inquiries should be routed through the Firm's booking and intake workflow.