Terms and Conditions

Last Updated: March 24, 2026

Welcome to Haven Tax & Insurance Agency. By accessing our website or engaging our services, you agree to be bound by the following Terms and Conditions.

1. Mandatory Separation of Engagements

Haven Tax & Insurance Agency operates its tax and insurance divisions as strictly separate business functions. * No Internal Data Sharing: Information, documents, or personal data provided for Tax Services is never used for Insurance Services, and vice versa. Each department maintains independent records and siloes.

  • New Client Status: For the purposes of paperwork, compliance, and data collection, clients are considered a “New Client” for each specific service they request.
  • Duplicate Submissions: You will be required to submit separate sets of documentation for tax and insurance applications, even if the information overlaps (e.g., ID, address, or income verification). We do not “pull” data from your tax file to complete an insurance application.
  • Separate Authorizations: Engagement in one service does not grant Haven the authority to act on your behalf in the other. Each service requires its own signed engagement letter or service agreement.

2. Tax Preparation & Consulting Services

Our tax services assist you in complying with federal and state tax laws under a specific, limited scope.

  • Reliance on Client Data: We prepare returns based solely on the information provided for the tax engagement. We do not cross-reference insurance files for tax data.
  • Filing Responsibility: Final responsibility for the accuracy of any tax return lies with the taxpayer. You must review and sign your returns before submission.
  • Scope of Fees: Standard fees cover preparation and e-filing only. Audit representation or responding to IRS notices requires a separate, additional engagement.

3. Insurance Brokerage Services

Haven acts as an independent agent to assist you in obtaining coverage from third-party carriers.

  • Independent Underwriting: Insurance applications are processed using only the data provided specifically for that insurance quote.
  • No Binding Authority: We do not have the authority to “bind” or guarantee coverage until the carrier has formally accepted your application and issued a policy number.
  • Client Duty of Disclosure: You must disclose all material facts to the insurance department. We will not be held liable for coverage denials resulting from information you assume we “already have” from your tax records.

4. Privacy, Security, and Non-Disclosure

Your data is handled with the highest level of confidentiality.

  • No Third-Party Data Sharing: We do not sell, rent, or share your personal, financial, or tax data with any third-party marketers or outside entities.
  • Strict Referral Protocol: Unless exclusively permitted by law or for the purpose of processing your specific filing/policy, we only share your contact information with professional partners or colleagues in the exact same field (e.g., a specialized CPA or insurance underwriter) for the purpose of a referral.
  • Explicit Consent Required: No such referral or contact sharing will occur without your explicit, prior consent.
  • Internal Safeguards: We maintain strict administrative and technical safeguards to ensure that your Tax NPI (Non-public Personal Information) and Insurance NPI remain siloed and secure from one another.

5. Professional Fees and Payment

  • Independent Billing: Invoices for tax services and premiums/fees for insurance services are billed and processed separately.
  • Tax Fees: Fees are based on complexity and are due upon delivery of the tax return draft.
  • Insurance Commissions: Our agency may receive commissions from insurance providers for the placement and renewal of your policies.

6. Limitation of Liability

To the maximum extent permitted by law, the liability of Haven Tax & Insurance Agency is limited to the amount of the professional fee paid for the specific, individual service from which a claim arises. Because engagements are separate, a claim regarding an insurance policy does not impact or involve the tax engagement, and vice versa.

7. Governing Law

These Terms are governed by the laws of the Stateof California in which Haven Tax & Insurance Agency is registered.

Contact Us

For questions regarding these terms, please contact: Haven Tax & Insurance Agency

service@havenvp.com | (714) 622-7678