Last Updated: 12/9/2025

JPA Financial Group (“we,” “our,” “us”) provides professional financial and business services designed to support individuals, entrepreneurs, and organizations. This Financial Policy outlines payment expectations, billing procedures, and client responsibilities. Use of our services signifies your agreement to the following terms.

1. Payment Terms

Payment is due at the time of service unless otherwise arranged in writing.

Accepted payment methods include:

Debit/credit cards

ACH bank transfer

Cash (in-office only)

Authorized business invoicing

Invoices must be paid within 7–14 days. Late payments may incur fees.

2. Credit Card on File Requirement

To ensure secure and uninterrupted service, some clients will be required to provide a valid credit or debit card to keep on file.   

Purpose of Card on File

To secure appointment bookings

To process unpaid balances or overdue invoices

To guarantee payment for services rendered

• Tax Preparation Clients

If you owe taxes to the IRS or state and no refund is issued, you are still fully responsible for JPA Financial Group’s 

tax preparation fees.

Your stored card may be charged if:

• You fail to pay preparation fees at the time of service
• Invoices remain unpaid after the due date
• Additional approved services were completed

Your credit card will not be charged without prior notification unless the account becomes delinquent.

All card information is stored securely according to industry-standard PCI compliance.

3. Services Covered Under This Policy

This Financial Policy applies to all JPA Financial Group services, including:

Bookkeeping

Business Start-Up & Formation Services

Tax Preparation (Individual & Business)

Nonprofit Organization Audits

Notary Services

Payroll Services

Financial Senior Advisor Services

4. Fees & Estimates

Fees are determined by:

Complexity of work

Document volume

Urgency or expedited requests

Business size or financial structure

Written estimates are available upon request.

Additional work outside the original scope may incur extra fees.

5. Deposits & Retainers

Certain services require non-refundable deposits, including:

Business formation filings

Large bookkeeping projects

Nonprofit audits

Financial advisory packages

Complex or multi-year tax filings

Once work has begun, deposits are non-refundable.

6. Refunds

Because services involve professional time and expertise, all fees are non-refundable once work begins.

Refunds may only be issued if:

• No work was started
• A billing error occurred
• Duplicate payment was made

Refunds cannot be issued for:

• IRS outcomes
• Penalties or interest
• Notary services already completed
• Delivered documents or filings

7. Late or Non-Payment

Late fees (5–10%) may apply to overdue invoices

Services may be paused until payment is made

Final documents—including tax returns, audit reports, payroll forms, and financial statements—will not be released until all fees are paid

Defaulted balances may be charged to the card on file

Accounts may be sent to collections after repeated non-payment

8. Document Release Policy

The following will be withheld until the account is paid in full:

Tax returns

Audit reports

Bookkeeping records

Payroll reports

Financial plans

Business formation documents

9. Client Responsibilities

Clients agree to:

Provide accurate, complete, and timely information

Respond to communication promptly

Review drafts or summaries within requested timeframes

Maintain an active credit card on file

Pay invoices according to policy

JPA Financial Group is not responsible for delays or errors caused by inaccurate or incomplete client data.

10. Appointment & Cancellation Policy

Minimum 24 hours’ notice is required to cancel or reschedule

Missed appointments may incur an additional charge or require prepayment for future bookings.

11. Contact Us

For questions regarding this Financial Policy:
Email: jpolk@jpafingroup.com
Phone: (305) 686-3395 

toll free (866) 658-1869 ext 3395