Terms & Conditions

1. Definitions

For the purposes of these Terms and Conditions:

• "Services" means all tax optimization, offshore structuring, company formation, and international banking services provided by RCA
• "Client" or "You" means the individual or entity engaging our services
• "Website" means taxplanner-rca.com and all associated domains
• "Agreement" means these Terms and Conditions together with any service-specific agreements
• "Personal Data" has the meaning set forth in our Privacy Policy

2. Scope of Services

2.1 Services Offered

RCA provides the following professional services:

• International tax planning and optimization strategies
• Offshore company formation and structuring (BVI, Cayman Islands, UAE, Singapore, etc.)
• International banking account setup and management
• Residency planning and tax treaty optimization
• Compliance consulting (FATCA, CRS, OECD BEPS)
• Asset protection strategies
• Cryptocurrency and trading tax optimization

2.2 Professional Advice Disclaimer

2.3 No Guarantee of Results

While we strive to achieve optimal tax savings for our clients, we cannot guarantee specific outcomes. Tax savings depend on individual circumstances, applicable laws, and regulatory changes beyond our control.

3. Client Obligations

3.1 Accurate Information

You agree to:

• Provide complete, accurate, and truthful information
• Disclose all material facts relevant to your tax situation
• Update us promptly of any changes in your circumstances
• Provide all requested documentation in a timely manner

3.2 Compliance with Laws

You represent and warrant that:

• You will use our services for lawful purposes only
• You will comply with all applicable tax laws and reporting requirements
• Your funds are from legitimate sources and not derived from illegal activities
• You will not use offshore structures for tax evasion, money laundering, or other illegal purposes

3.3 Due Diligence Cooperation

You agree to cooperate fully with our due diligence procedures, including providing:

• Government-issued identification documents
• Proof of address and residency
• Source of funds documentation
• Business ownership and structure information
• Any other documents required for KYC/AML compliance

4. Fees and Payment

4.1 Service Fees

Fees for our services will be:

• Clearly communicated before engagement
• Set forth in a separate service agreement or proposal
• Subject to change with 30 days' notice for ongoing services

4.2 Payment Terms

• Initial Consultation: May be offered free of charge or at a specified fee
• Retainer: An upfront retainer may be required before commencing services
• Payment Schedule: Payments are due as specified in your service agreement
• Late Payments: Late payments may incur interest at 1.5% per month or the maximum rate permitted by law

4.3 Third-Party Costs

You are responsible for all third-party costs, including but not limited to:

• Government registration and filing fees
• Registered agent fees
• Banking fees and account maintenance charges
• Legal and accounting fees from other professionals
• Translation and notarization costs

4.4 Refund Policy

Refunds are handled as follows:

• Before Work Commences: Full refund minus administrative fees
• After Work Commences: Refunds on a pro-rata basis for work not yet performed
• Third-Party Fees: Non-refundable once paid to third parties
• Completed Services: No refunds for completed services

5. Confidentiality and Privacy

5.1 Confidentiality Commitment

We maintain strict confidentiality of all client information, subject to legal and regulatory obligations. Our confidentiality practices are detailed in our Privacy Policy.

5.2 Exceptions to Confidentiality

We may disclose client information when:

• Required by law or court order
• Necessary to comply with regulatory requirements (FATCA, CRS, AML)
• Authorized by you in writing
• Necessary to protect our legal rights

6. Legal Compliance and Regulatory Framework

6.1 Commitment to Legal Compliance

All our services are designed to operate within the bounds of applicable laws, including:

• FATCA: Foreign Account Tax Compliance Act (US)
• CRS: Common Reporting Standard (OECD)
• BEPS: Base Erosion and Profit Shifting (OECD)
• AML/KYC: Anti-Money Laundering and Know Your Customer regulations
• Local Tax Laws: Applicable tax laws in relevant jurisdictions

6.2 Tax Optimization vs. Tax Evasion

6.3 Reporting Obligations

You acknowledge that:

• Offshore structures may create reporting obligations in your home jurisdiction
• You are responsible for filing all required tax returns and disclosures
• Failure to report offshore accounts may result in severe penalties
• We will provide guidance but you remain ultimately responsible for compliance

7. Intellectual Property

7.1 Website Content

All content on our website, including text, graphics, logos, and software, is the property of RCA or our licensors and is protected by copyright, trademark, and other intellectual property laws.

7.2 Limited License

You are granted a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes. You may not:

• Reproduce, distribute, or modify website content without permission
• Use automated systems to scrape or download content
• Remove copyright or proprietary notices
• Use our trademarks without written authorization

8. Limitation of Liability

8.1 Service Limitations

To the maximum extent permitted by law:

• Our liability is limited to the fees paid for the specific service in question
• We are not liable for indirect, consequential, or punitive damages
• We are not liable for losses resulting from changes in tax laws or regulations
• We are not liable for actions or omissions of third-party service providers

8.2 Third-Party Services

We coordinate with third-party service providers (banks, registered agents, etc.) but are not responsible for their actions, delays, or failures.

8.3 Force Majeure

We are not liable for delays or failures caused by circumstances beyond our reasonable control, including natural disasters, government actions, wars, pandemics, or technical failures.

9. Indemnification

You agree to indemnify and hold harmless RCA, its officers, employees, and agents from any claims, damages, or expenses arising from:

• Your violation of these Terms and Conditions
• Your violation of any applicable laws or regulations
• Inaccurate or misleading information you provide
• Your use of offshore structures for illegal purposes
• Third-party claims related to your use of our services

10. Termination

10.1 Termination by Client

You may terminate our services at any time by providing written notice. You remain responsible for:

• All fees for services rendered up to the termination date
• Any third-party costs already incurred
• Ongoing maintenance of structures already established

10.2 Termination by RCA

We reserve the right to terminate services if:

• You fail to pay fees when due
• You provide false or misleading information
• You use our services for illegal purposes
• Continuing the relationship would violate our legal or ethical obligations
• We are unable to perform adequate due diligence

10.3 Effect of Termination

Upon termination:

• We will provide all documents and information in our possession
• You remain responsible for maintaining any established structures
• Confidentiality obligations continue indefinitely
• Outstanding fees become immediately due and payable

11. Dispute Resolution

11.1 Governing Law

These Terms and Conditions are governed by the laws of [Jurisdiction to be specified], without regard to conflict of law principles.

11.2 Arbitration

Any disputes arising from these terms or our services shall be resolved through binding arbitration in accordance with the rules of [Arbitration Body], except where prohibited by law.

11.3 Exceptions to Arbitration

The following matters may be brought in court:

• Claims for injunctive relief
• Intellectual property disputes
• Small claims court matters (where applicable)

11.4 Class Action Waiver

You agree to resolve disputes on an individual basis and waive the right to participate in class actions, except where prohibited by law.

12. Disclaimers

12.1 No Warranties

Our services are provided "as is" without warranties of any kind, express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties regarding specific tax savings amounts
• Warranties that structures will remain optimal indefinitely

12.2 Website Availability

We do not guarantee that our website will be available at all times or free from errors, viruses, or other harmful components.

12.3 External Links

Our website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of external sites.

13. Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective upon posting to our website with an updated "Last Updated" date. Material changes will be communicated to active clients via email. Your continued use of our services after changes constitutes acceptance of the modified terms.

14. Severability

If any provision of these Terms and Conditions is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

15. Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any service-specific agreements, constitute the entire agreement between you and RCA regarding our services and supersede all prior agreements and understandings.

16. Waiver

Our failure to enforce any provision of these terms does not constitute a waiver of that provision or any other provision. Any waiver must be in writing and signed by an authorized representative of RCA.

17. Assignment

You may not assign or transfer your rights or obligations under these terms without our prior written consent. We may assign our rights and obligations to any successor entity in connection with a merger, acquisition, or sale of assets.

18. Notices

All notices under these terms must be in writing and sent to:

• Email: legal@redwoodcapital.com
• Subject Line: Legal Notice - [Your Name]

Notices are deemed received when sent by email or three business days after mailing.

19. Survival

The following provisions survive termination of these terms:

• Confidentiality obligations
• Payment obligations
• Limitation of liability
• Indemnification
• Dispute resolution
• Intellectual property rights

20. Contact Information