Your taxes. Your questions. One annual plan.

These terms govern subscriptions supplied by JA Accounting Inc. (JA, we, us) to the individual identified at checkout (you). Our business address, telephone and service email appear in the contact section below and in your order confirmation. Before ordering, review the plan, annual price, instalments, covered tax year, these terms and cancellation policy, and correct any errors. Your subscription begins only when JA confirms acceptance, the start and end dates, the covered tax year and the first payment. We provide an electronic copy of the accepted terms and order confirmation. A separate signed engagement may supplement these terms but cannot remove mandatory rights. These terms do not replace any disclosures or contract form required by law.

Personal: CAD $26 per month in 12 instalments, for an annual service price of $312 before applicable taxes. Self-Employed: CAD $49 per month in 12 instalments, for an annual service price of $588 before applicable taxes. This is a 12-month service arrangement paid monthly, subject to the cancellation rights below. Taxes and the total amount payable are displayed before acceptance. The first instalment is due at activation; the remaining 11 are due monthly on the same numerical date, or the last day of a shorter month. There are no automatic setup fees; any separately requested work requires a disclosed quote and your agreement. Unless a new agreement is expressly accepted, the subscription ends at the end of its term and does not renew automatically. A reminder or invitation to renew does not itself renew it.

One subscription covers one named individual only. A spouse, common-law partner and children are not included and do not receive returns or consultations under your subscription. Information about them may nevertheless be needed to calculate your own taxes or benefits correctly. The Self-Employed plan covers your individual return and one Canadian sole-proprietorship activity disclosed and accepted at onboarding. It does not cover a corporation, partnership return, trust, estate or another person’s business. Benefits cannot be shared, transferred or resold.

Each plan includes, per subscription year: 12 QuickConsultations of up to 10 minutes each; six email consultations; two scheduled consultations of up to one hour each; and one annual tax filing package for the agreed tax year. A tax filing package means the named individual’s federal return and applicable provincial return, together treated as one filing service. The Personal plan excludes self-employment schedules. The Self-Employed plan includes the accepted sole-proprietorship income and expense schedules using the organized information you supply. Allowances apply over the whole term, are not separate monthly entitlements, and do not carry into a renewed term. Services remain subject to reasonable scheduling availability. Any service that JA has accepted but cannot deliver within the term is rescheduled or reconciled fairly; it is not forfeited because of JA’s delay.

Book each QuickConsultation through our online booking system, identify your topic and provide a reachable telephone number. Our office calls you at the confirmed appointment time or within a callback window expressly shown in the booking confirmation. A booking request without confirmation is not a guaranteed appointment. Each session addresses a brief question within your plan’s scope; research, document-heavy analysis or implementation may require a longer included meeting or a separate quote. Consultations are delivered by an appropriate JA team member and are not guaranteed to be with a particular person. Tell us as soon as possible if you need to reschedule. An unanswered callback, a client no-show or a cancellation is not automatically recorded as a delivered consultation or charged a penalty. JA records completed sessions; any partial service is valued fairly on cancellation.

One email consultation means one reasonably focused tax topic and our substantive response, including reasonable clarification of that same response. Administrative messages, appointment scheduling, document requests and clarification of the same answer do not use another consultation. Distinct new topics may use separate consultations, with advance notice. We respond within three to four business days after receiving a sufficiently complete question. If research or missing information prevents a substantive answer within that period, we provide a status update, explain what is needed and give an expected response date. A status update alone does not count as a completed consultation. Business days exclude Saturdays, Sundays and statutory holidays observed by our Montreal office. Email is not an emergency or same-day service; flag urgent deadlines so that we can confirm whether we can help.

Book these meetings in advance and provide relevant questions and documents before the meeting. Each meeting covers personal tax planning or, under the Self-Employed plan, routine sole-proprietorship tax and business questions. Meetings take place by telephone or online unless another format is agreed. A longer meeting, special written report, financial model or implementation project is not included without a separate agreement. For cancellation reconciliation, a partially delivered meeting is valued using actual service minutes divided by 60, up to one meeting unit, rather than automatically charging a full hour.

The covered tax year is specified before you subscribe and in your confirmation; one subscription does not include multiple tax years. JA confirms eligibility and required records during onboarding. You must provide complete, accurate and organized documents by the submission date JA communicates for your filing deadline. We prepare the return from your information, give you an opportunity to review it, obtain the required filing authorizations and submit through the applicable permitted filing method. The federal and provincial submissions for that same year together constitute the annual service; an authority’s processing delay does not mean that JA has not filed. We provide confirmation of submission and tell you about a rejection requiring action. If you join close to a filing deadline, timely filing is included only if JA confirms that it can meet that deadline. JA does not guarantee a refund, tax saving, assessment outcome or government processing time. Routine correction of JA’s own preparation error is not treated as an extra paid return; changes arising from new information may be separately quoted.

Unless expressly added in writing, neither plan includes bookkeeping, bank reconciliation, payroll, GST/HST-QST registration or returns, corporate returns, legal annual filings, tax payment execution, incorporation, legal advice, investment product advice, audit or objection representation, prior-year returns, amendments caused by new information, estate/trust returns, cross-border filings, complex foreign reporting or valuation work. Multiple businesses, rental schedules and unusually complex matters require an eligibility review and a separate quote where outside the accepted scope. Routine questions about tax balances and payment instructions are within consultation scope; taxes themselves remain payable by you directly to the authorities and are not included in our fee. We explain an exclusion and obtain approval of any additional price before starting extra work. You may decline that work; if your return cannot be completed within the accepted scope, we discuss a revised engagement or cancellation reconciliation.

Provide truthful and complete records, disclose relevant changes, review prepared returns, sign required authorizations and pay taxes by the applicable deadlines. Keep original supporting documents for the legally required period. You remain responsible for decisions and information you approve, without relieving JA of its own legal duties. We cannot access a tax account, speak to an authority or file a return without the appropriate authorization. A subscription checkbox or payment authorization does not replace tax-agency authorization or filing consent. Never send passwords, full payment-card data or sensitive tax documents by ordinary email; use the secure method JA supplies.

You separately authorize the payment provider to collect the disclosed monthly instalments and taxes. Your authorization must identify the amount, frequency and payment method. Revoking a payment authorization is not by itself a cancellation notice, and does not waive cancellation rights. If a payment fails, we notify you and give a reasonable opportunity to correct it before suspending new non-urgent work, subject to our professional and legal duties. We explain any effect on a known deadline. No undisclosed late fee, cancellation penalty or automatic acceleration of all remaining instalments applies. An additional reconciliation amount is explained in writing and is not automatically charged without lawful authorization.

You may notify JA that you wish to cancel using the clearly identified online cancellation form on this page, our published service email, or any other method recognized by applicable law. No cancellation reason, telephone call or retention meeting is required. Unless you choose a later date or applicable law provides otherwise, cancellation takes effect when JA receives your notice; our administrative processing does not postpone it. We acknowledge receipt and stop future recurring collections from the effective cancellation date, subject only to a lawful earned-service reconciliation. Unperformed services end on that date unless we agree a transition. An acknowledgement is not a condition of valid cancellation. Other statutory withdrawal, rescission, refund and chargeback rights are preserved and may produce a different result.

For the cancellation calculation, the annual service price A is allocated as follows: 20% to 12 QuickConsultations; 10% to six email consultations; 30% to two one-hour meetings; and 40% to the annual tax filing package. These allocations form part of the disclosed package price, not extra cancellation charges or stand-alone retail rates. A fully delivered QuickConsultation is valued at A × 20% ÷ 12; one completed email consultation at A × 10% ÷ 6; one full meeting at A × 30% ÷ 2; and the full annual filing service at A × 40%. We keep a service record. Partial services are proportionately valued using documented work actually performed, with no duplicate charge. Unused consultations, mere availability, elapsed months and missed appointments are not automatically treated as services performed. If an allocation would overstate the legally recoverable value of actual work, the lawful lower amount governs.

Let P be service fees actually paid for the current term, excluding taxes. Let q be delivered QuickConsultation units (0–12), e completed email consultation units (0–6), m delivered one-hour meeting units (0–2, including fractions), and t the documented fraction of annual tax work completed (0–1). Earned fees D = A × [(0.20 × q/12) + (0.10 × e/6) + (0.30 × m/2) + (0.40 × t)], subject to applicable law. No tax work means t = 0; partially prepared work is not automatically valued as a completed filing. Refund = max(0, P − D). If D exceeds P, only a lawfully recoverable amount for actual services may be invoiced; the remaining annual instalments do not automatically become due. No additional cancellation fee is imposed. We provide the itemized calculation and ordinarily issue an agreed refund within 15 calendar days, or sooner if the law requires, using the original payment method where reasonably possible. Applicable tax adjustments are shown separately. Approved additional work is reconciled separately without double counting.

JA does not offer a discretionary refund of payments already made after the included annual filing package has been completed and submitted. This commercial policy applies only to the extent permitted by law: it does not make unperformed consultations earned, eliminate mandatory refunds, prevent cancellation, or automatically make the unpaid annual balance due. The full filing allocation is earned when the agreed annual filing package has actually been completed and submitted; federal submission alone is not the full package if a separate provincial submission remains outstanding. If a service-based reconciliation or refund is required by applicable law, the calculation above applies with t = 1 for a fully completed package, and unused services remain unearned. Any mandatory refund of advances exceeding earned fees is paid. An assessment, refund or government processing date does not change the filing date. Statutory remedies and JA’s responsibility for its own service errors remain unaffected.

We handle your personal and tax information to administer the subscription and perform the agreed services, in accordance with applicable privacy law and the privacy notice supplied before collection. Authorized team members and necessary service providers may process information under appropriate safeguards. Any required consent or disclosure for external processing is handled separately. This agreement does not grant unlimited permission to disclose information, send marketing or use it for unrelated purposes. Use our secure document channel. Privacy enquiries and access or correction requests may be directed to the privacy contact identified in our published privacy notice. JA does not request your government-account password. Consultations and private client material must not be published or shared by JA for promotion without a separate lawful basis.

We do not retroactively change the accepted price, service weights or scope for the current term. Material changes require a lawful written process and any consent required by law; proposed renewal prices are disclosed before a new acceptance. JA may end an engagement only for a lawful reason and in accordance with applicable duties and required notice, including reasonable transition steps to avoid avoidable prejudice. If JA cannot complete services, we reconcile unearned payments and communicate affected deadlines. An outage or external disruption does not automatically excuse our legal duties or entitle us to retain unearned fees.

Send a service complaint to our published service contact with enough information to identify the issue. We review it and explain our proposed resolution; this process does not postpone a statutory deadline or require you to waive a legal remedy. No clause excludes liability that cannot lawfully be excluded, limits mandatory consumer remedies, imposes mandatory arbitration, or prevents a claim before a competent court or regulator. Quebec law governs to the extent permitted by applicable conflict-of-law rules; mandatory protections and jurisdiction rights applicable to you elsewhere are preserved. If a clause is unenforceable, the rest applies only to the extent lawful, without rewriting your mandatory rights.

A French version of this adhesion agreement is made available and supplied before you choose to contract in English. You may expressly choose English only after the French version has been provided, in accordance with applicable law. Where the law requires the interpretation most favourable to a consumer between versions, that rule prevails. We record your selected plan, annual total, payment schedule, covered tax year, term dates, version of these terms and affirmative acceptance. Marketing consent, payment authorization and tax-filing authorization are separate. No box accepting these terms waives mandatory rights.

JA Accounting Inc. — Business address: [BUSINESS ADDRESS]. Telephone: [SERVICE PHONE]. Service and cancellation email: [SERVICE EMAIL]. Privacy contact and privacy-policy URL: [PRIVACY CONTACT / URL]. Online cancellation: use the cancellation form provided on this page. Online booking: use the booking link included in your welcome confirmation. Keep your contact information current. We send service and billing notices to the address you provide, without treating them as consent to unrelated marketing. Terms version: JA-MEMBER-2026-11-03-DRAFT-1. The agreed effective date is the date shown in your individual order confirmation.