Terms of Service

Welcome to Bloom365. We look forward to working and serving you.

These Terms and Conditions govern your use of the website, platform, client portal, and services offered by Bloom365 (“Bloom365,” “we,” “us,” or “our”).

By using our website, clicking to accept Terms, creating an account, placing an order, starting onboarding, submitting information to us, paying an invoice, or using any of our services, you agree to be bound by these Terms. If you do not agree, do not use our services.

If you are using our services for a business or other entity, you represent that you have authority to bind that entity to these Terms. In that case, “you” means both you personally and that entity.

Bloom365 provides business formation and related support services that are mentioned on our website. Some services are provided directly by Bloom365. Others are provided in whole or in part through third-party providers, vendors, software companies, registrars, hosting providers, telecom providers, accounting firms, or CPA firms.

You must be at least 18 years old and legally capable of entering into a binding contract to use our services.

You may not use our services if:

• doing so would violate applicable law;
• you are using the services for fraud, money laundering, sanctions evasion, identity theft, or other unlawful activity;
• you provide false, misleading, incomplete, or unauthorized information;
• you are acting on behalf of an entity without proper authority.

We reserve the right to verify your identity and eligibility at any time and to refuse, pause, or discontinue services to any person or entity we reasonably determine does not meet these requirements, without liability to you.

A binding contract is formed when any one of the following happens first:

• you click an “I agree,” “accept,” “subscribe,” “purchase,” or similar button;
• you submit an order or application through our website or portal;
• you sign or electronically sign an order form, proposal, or service authorization;
• you pay an invoice or fee for services; or
• you begin using the services after being presented with these Terms.

Electronic signatures, electronic records, and electronic communications are valid and enforceable to the fullest extent permitted by law.

You acknowledge that these Terms are available for review before acceptance and that your acceptance is voluntary and informed.

Bloom365 is a service provider, not your law firm. Unless we separately enter into a signed written engagement that expressly says otherwise, we do not provide legal advice, legal opinions, or legal representation.

Bloom365 is also not your investment adviser, bank, trust company, or fiduciary unless a separate signed agreement expressly says so.

Where Bloom365 directly performs bookkeeping or tax preparation services, those services are administrative and compliance-support services based on the information you provide to us and do not constitute legal advice.

Where Bloom365 refers, routes, coordinates with, or uses third-party accounting firms, CPA firms, enrolled agents, or other outside professionals, those parties may operate under their own engagement terms, standards, and limitations.

We do not guarantee that any entity structure, filing, tax position, bookkeeping treatment, annual report, monthly report, or tax return will be optimal for you, legally sufficient for your specific circumstances, accepted without question, or free from later challenge by any authority.

If you are unsure whether our services are appropriate for your specific legal, tax, or regulatory situation, you should consult your own licensed advisers before proceeding. We are not responsible for losses arising from your decision to proceed without independent professional advice.

You agree to provide complete, accurate, current, and authorized information, documents, and instructions for registering your company and/or to provide other services you engage with us.

This may include:

• Social Security numbers;
• taxpayer identification numbers;
• passport details;
• date of birth;
• ownership information;
• personal address details;
• business and banking details;
• identity-verification documents;
• prior returns, financial reports, statements, and source documents.

You are responsible for the accuracy, lawfulness, and completeness of all information you provide. We may rely on it without independent verification unless we choose otherwise.

We may suspend work if you do not provide requested information, access, approvals, or corrections on time.

You are responsible for reviewing and approving any filing, application, tax return, report, bookkeeping output, monthly financial report, or other deliverable before submission or reliance where review is requested or reasonably available.

By submitting any Social Security number, passport, government-issued ID, taxpayer identification number, bank information, or other sensitive information, you represent and warrant that:

• the information belongs to you or to a person or entity that has expressly authorized you to submit it;
• you are not submitting another person’s sensitive information without authority; and
• all information submitted is truthful and accurate to the best of your knowledge.

Submitting another person’s sensitive information without authorization may result in immediate termination, refusal of service, reporting to third-party providers, and referral to law enforcement or regulators where appropriate.

You authorize us, and where relevant our subcontractors and third-party providers, to:

• prepare documents and work product based on the information you provide;
• transmit filings, applications, and records on your behalf;
• communicate with government agencies, registered agent providers, payment processors, hosting providers, registrars, telecom providers, banks, accounting software providers, accounting firms, CPA firms, tax software providers, and other service partners as needed to perform the services;
• request and receive records, notices, and information relevant to the services where permitted; and
• store and process your information consistent with our Privacy Policy.

You remain responsible for the truthfulness, legality, and completeness of the information submitted. This authorization is limited to the specific services you have purchased and does not create a general power of attorney.

Some services depend on third parties, including state filing offices, the IRS, payment processors, banks, bank-feed aggregators, software vendors, registered agents, registrars, web/email hosting providers, telecom vendors, AI providers, accounting platforms, tax software providers, identity-verification providers, accounting firms, and CPA firms.

We are not responsible for delays, outages, errors, rejections, denials, suspensions, downtime, service degradation, policy changes, fee changes, bank-feed interruptions, or acts or omissions of third-party providers, except to the extent caused directly by our own willful misconduct.

If a third-party provider requires you to accept its own terms, privacy notice, consent, or service agreement, you are responsible for doing so.

Third-party fees, state fees, filing fees, pass-through fees, domain fees, hosting fees, telecom fees, AI fees, accounting software fees, and similar external charges are generally non-refundable once incurred.

We may use third-party professionals and providers at our discretion to perform or support portions of the services. Any work performed by an independent third-party provider may be subject to that provider’s own limitations, standards, and dispute terms.

If you create an account, you must keep your login details secure and not share them except with authorized users.

You are responsible for all activity under your account unless caused by our gross negligence or willful misconduct.

You must notify us promptly if you suspect unauthorized access, fraud, identity misuse, bank-feed compromise, or a security incident affecting your account or data.

We may require identity verification, re-verification, or additional documentation at any time.

You agree to use strong, unique passwords and to log out where appropriate. We are not liable for losses arising from your failure to maintain adequate account security.

You may not use our website, platform, or services:

• for any unlawful, fraudulent, deceptive, harmful, or abusive purpose;
• to infringe any intellectual property, privacy, or other rights;
• to upload malware, malicious code, or harmful content;
• to scrape, reverse engineer, copy, frame, mirror, or exploit the platform except as allowed by law and these Terms;
• to interfere with the platform, our systems, third-party systems, or other users;
• to impersonate another person or entity;
• to use our services in connection with sanctions targets, prohibited industries, or other activity we reasonably consider high risk.

We may investigate suspected misuse and take any action we consider appropriate, including suspension, termination, reporting to providers or authorities, and legal action.

The exact services you buy are limited to the package, subscription, statement of work, proposal, order form, invoice, or onboarding selection accepted by us.

We may refuse, pause, limit, modify, discontinue, or replace any service or feature if we believe the request is incomplete, inaccurate, unlawful, abusive, high risk, outside scope, or commercially unreasonable.

Where a discontinued service forms a material part of a paid subscription and the discontinuation is caused solely by us, we may offer a pro-rata credit or refund for the affected unused portion, unless the discontinuation is caused by a third-party provider outside our control.

Our pricing may include one-time fees, recurring monthly fees, annual fees, usage-based fees, pass-through third-party charges, taxes, late fees, and out-of-pocket expenses approved by you or reasonably incurred to provide the services.

You agree to pay all fees and charges shown at checkout, on your order form, proposal, invoice, or account dashboard.

Unless we expressly state otherwise:

• all fees are in U.S. dollars;
• fees are due in advance for subscription periods;
• one-time service fees are due when ordered;
• government fees, filing fees, registered agent fees, accounting software fees, domain fees, hosting fees, telecom fees, and similar third-party charges are separate from our service fee; and
• all fees are non-cancellable once work has started and non-refundable except as stated in these Terms or required by law.

We may change our prices periodically. For recurring services, price changes will apply on renewal or as otherwise permitted by law after notice.

By submitting payment details, you authorize us and our payment processor to charge the payment method you provide for:

• the fees you approve;
• recurring subscription renewals unless canceled properly;
• taxes;
• late fees, failed-payment fees, chargeback fees, collection costs, and similar amounts where permitted by law; and
• approved pass-through expenses and third-party charges connected with your services.

You represent that you are authorized to use the payment method you provide.

If a payment fails, we may retry the charge, suspend services, revoke access, withhold deliverables, disconnect subscriptions, or terminate the account.

Where reasonably practicable, we may notify you of a failed payment before suspension. We are not liable for losses arising from service interruption caused by failed payment.

Recurring services may renew automatically for successive periods of the same length unless canceled under these Terms or under any service-specific terms.

Unless a different notice period is stated in your order form or plan details, you must cancel at least 15 days before the next renewal date to avoid the next charge.

If you cancel 30 days prior to subscription expiry date, your subscription will remain active through the end of the period already paid for, unless we state otherwise in writing.

We do not provide prorated refunds for partial months or partial service periods.

Any courtesy reminder about renewal is optional. Failure to receive a reminder does not affect your renewal obligation if your cancellation window has passed.

Formation and filing services

If you cancel before we begin substantive work and before any filing, submission, order, external charge, name reservation, verification process, or custom document preparation is initiated, we may issue a refund of our service fee in our discretion, less any non-recoverable processing costs.

Once we have started work, submitted information to a government agency or third party, ordered services, reserved a name, initiated identity verification, prepared custom documents, connected services, or incurred third-party costs, fees become non-refundable except as required by law.

Government filing fees, tax software fees, domain-registration fees, hosting fees, email-license fees, telecom charges, and similar third-party fees are non-refundable once incurred.

Ongoing services

Monthly and annual subscriptions may be canceled for future renewal periods, but fees already billed, earned, or incurred are non-refundable except as required by law.

Cancellation does not erase outstanding balances.

Error remedy

If a filing error, bookkeeping clerical error, tax preparation clerical error, or service failure is directly and solely caused by our mistake, and not by inaccurate, incomplete, late, unclear, or misleading information from you or by any third-party provider failure, our sole obligation is, at our election, to:

• re-perform the affected service at no additional charge; or
• issue a credit or partial refund proportionate to the affected portion of the service.

This is your exclusive remedy for that error, and all other claims remain subject to the limitation of liability in these Terms.

You are responsible for all taxes, duties, levies, and governmental charges arising from your purchase or use of the services, excluding taxes based on our net income.

If we are required to collect sales tax or similar tax, you authorize us to do so.

If you use our bookkeeping, tax preparation, tax support, or compliance services, the following terms apply in addition to the rest of this Agreement.

Our handling of personal information is described in our Privacy Policy, which forms part of these Terms.

Because our services may involve highly sensitive information, you agree to use secure methods we specify for document submission and communication.

We will use commercially reasonable measures to protect confidential customer information, but no system is completely secure and we do not guarantee absolute security.

You acknowledge that information submitted through our systems is not protected by attorney-client privilege unless we separately enter into a signed attorney-client relationship through licensed counsel, which is not the default service model.

In the event of a confirmed data incident that we reasonably believe affects your sensitive personal information, we will provide notice as required by applicable law and will take commercially reasonable steps to contain, investigate, and respond to the incident.

You agree to receive notices, invoices, disclosures, service updates, legal notices, and other communications electronically, including by email, our website, portal message, SMS, or other electronic means where permitted by law.

You are responsible for keeping your contact information current.

Electronic copies satisfy any requirement that a communication should be in writing.

To withdraw your consent to electronic communications, you must contact us in writing at info at Bloom365 doc com. Withdrawal of consent will affect our ability to provide you, our services.

We are not responsible for consequences arising from notices you fail to receive due to outdated contact information, inbox filtering, spam settings, or your failure to monitor your account.

We may suspend, restrict, or terminate your access to some or all services immediately, with or without notice, if:

• you breach these Terms;
• payment is overdue;
• your information is inaccurate, incomplete, or cannot be verified;
• we suspect fraud, abuse, unlawful activity, sanctions risk, reputational risk, or security risk;
• a third-party provider suspends or terminates related services; or
• continuing to provide services would expose us to legal, regulatory, operational, commercial, or security risk.

You may terminate recurring services by following the cancellation procedure in your account, order form, invoice terms, or service-specific terms.

Termination does not affect:

• accrued payment obligations;
• work already performed;
• third-party charges already incurred; and
• sections intended to survive termination.

Following termination, we may disable or delete access to account data, subject to our retention practices and legal obligations.

You are responsible for maintaining your own copies of filings, reports, returns, financial reports, passwords, domains, email records, and other data.

If we are serving as your registered agent and that service ends for any reason, you are solely responsible for appointing a replacement registered agent. We are not liable for missed service of process, loss of good standing, administrative dissolution, fines, or related consequences arising from your failure to appoint a replacement promptly.

The services are provided on an “as is” and “as available” basis.

To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, uninterrupted availability, and accuracy.

We do not warrant that:

• filings will be accepted or completed by any government authority within any particular time;
• any entity name will remain available;
• tax or bookkeeping results will achieve any specific outcome;
• monthly reports will be free from assumptions based on client-provided information;
• the website or platform will be uninterrupted or error-free; or
• any third-party service will remain available or perform as expected.

You acknowledge that you are not relying on us for legal advice, legal opinion, investment advice, banking advice, or any guarantee of tax, financial, operational, regulatory, or commercial outcome, and that you have had the opportunity to consult your own advisers before using the services.

You agree to defend, indemnify, and hold harmless Bloom365 and its affiliates, officers, employees, contractors, licensors, and service providers from and against any claims, losses, liabilities, damages, judgments, penalties, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to:

• your breach of these Terms;
• your misuse of the services;
• your violation of law;
• your content, data, documents, filings, instructions, bank data, scripts, prompts, or communications;
• any dispute between you and your owners, partners, employees, contractors, customers, agencies, vendors, or third parties; or
• any claim that information or materials you provided were false, misleading, unauthorized, infringing, or unlawful.

You may not initiate a chargeback for a valid charge without first contacting us in good faith to try to resolve the issue.

If you initiate an improper chargeback or payment dispute, we may suspend services and recover from you the disputed amount, chargeback fees, collection costs, and reasonable attorneys’ fees where permitted by law.

An improper chargeback may be treated as a material breach of these Terms.

We may update these Terms from time to time. Updated Terms become effective when posted, unless a later effective date is stated.

For material changes affecting recurring services, we will use commercially reasonable efforts to give notice. Your continued use of the services after the effective date means you accept the updated Terms.

You may not assign or transfer your rights or obligations under these Terms without our prior written consent.

We may assign these Terms or any related rights and obligations as part of a merger, acquisition, financing, internal reorganization, sale of assets, or service transfer.

If any provision is held unenforceable, the rest will remain in effect to the fullest extent permitted by law.

Our failure to enforce any provision is not a waiver of future enforcement.

These Terms, together with our Privacy Policy and any applicable order form, proposal, invoice, engagement letter, service-specific terms, and incorporated policies, form the entire agreement between you and us regarding the services.

If there is a conflict, the order of priority is:

1. 1. signed engagement letter or signed order form;
2. 2. service-specific terms;
3. 3. these Terms; and
4. 4. website materials.

Thank you for visiting our website using our services. We look forward to working with you.