Terms & Conditions

Agreement to Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("Client," "you," or "your") and C.O.Y., Incorporated ("C.O.Y.," "we," "us," or "our") governing your use of our website (www.coyservices.com) and our services, including business formation services, tax preparation services, and consulting services.

By accessing our website, engaging our services, or submitting information to us, you agree to be bound by these Terms. If you do not agree with these Terms, you must not use our website or services.

Business Information:

Legal Name: C.O.Y., Incorporated

Address: 30 N Gould St, Ste 60655, Sheridan, WY 82801

Email: hello@coyservices.com

Phone: (307) 344-4335

1. Services Provided

1.1 Description of Services

C.O.Y., Incorporated provides the following professional services:

Business Formation Services:

LLC and Corporation formation in all 50 states

Entity selection consultation

Articles of Organization/Incorporation preparation and filing

Registered agent services

EIN (Employer Identification Number) application

Operating Agreements and Corporate Bylaws

Compliance calendars and ongoing support

Tax Preparation Services:

Individual tax returns (Form 1040)

Business tax returns (Schedule C, Form 1120, Form 1120-S)

Federal and state tax return preparation and filing

Tax planning consultations

Audit support (representation not included unless separately contracted)

Consulting Services:

Business planning and strategy

Entity selection guidance

Bookkeeping setup assistance

Strategic growth advice

Compliance consulting

1.2 What We Do NOT Provide

Legal Services: C.O.Y., Incorporated does NOT provide legal services, legal advice, or practice law. We are not a law firm and our employees are not attorneys (unless separately licensed and acting in that capacity with explicit disclosure). For legal advice, you must consult a licensed attorney.

Accounting Services: While we prepare tax returns and provide bookkeeping guidance, we do not provide full accounting or CPA services unless separately contracted. For complex accounting needs, consult a licensed CPA.

Guaranteed Outcomes: We cannot guarantee specific outcomes, including tax refunds, audit avoidance, approval of business applications, or business success.

2. Client Obligations

2.1 Accurate Information

You agree to:

Provide complete, accurate, and truthful information

Disclose all relevant facts and documents necessary for us to provide services

Notify us immediately if any information you provided changes or was incorrect

Respond promptly to our requests for additional information

You acknowledge that you are responsible for the accuracy and completeness of all information provided, and that inaccurate or incomplete information may result in errors, penalties, rejected filings, or other adverse consequences.

2.2 Timely Cooperation

You agree to:

Respond to our communications within reasonable timeframes

Provide requested documents and information by agreed-upon deadlines

Review drafts and documents we provide within the specified timeframe

Notify us of any errors or concerns before final submission

Delays caused by your failure to provide timely information or responses may result in missed deadlines, late fees, or additional charges.

2.3 Payment Obligations

You agree to:

Pay all fees according to the payment terms provided

Pay any third-party fees (state filing fees, registered agent fees, etc.) as specified

Reimburse us for any costs incurred on your behalf (if applicable)

Pay any late fees or interest charges as specified in our payment terms

2.4 Compliance with Laws

You agree to:

Use our services only for lawful purposes

Comply with all applicable federal, state, and local laws

Not use our services to engage in fraudulent, illegal, or unethical activities

Obtain any necessary licenses, permits, or approvals for your business

3. Service Agreement and Scope

3.1 Engagement of Services

Our services begin when:

You sign a service agreement or engagement letter, OR

You pay a deposit or full payment for services, OR

We send you a written confirmation of engagement

The scope of our services is limited to what is explicitly stated in your service agreement, proposal, or confirmation email. Additional services require a separate agreement and payment.

3.2 Service Timelines

We will make reasonable efforts to complete services within estimated timeframes. However, timelines are estimates only and are subject to:

Timely receipt of all required information and documents from you

Processing times of third parties (state agencies, IRS, etc.)

Complexity of your specific situation

Availability of resources

We are not liable for delays caused by third parties, incomplete information, or circumstances beyond our control.

3.3 Changes to Scope

If you request changes or additions to the agreed-upon scope of services:

We will provide a revised proposal or quote

Additional fees may apply

Timelines may be extended

You must approve changes in writing before we proceed

4. Fees and Payment Terms

4.1 Service Fees

Our fees are based on:

The specific services you select

The complexity of your situation

The time and resources required

Any applicable third-party costs

Fees are clearly stated in your service agreement, proposal, or pricing confirmation.

4.2 Payment Schedule

Payment terms vary by service:

One-time services: Payment in full or deposit required before work begins

Ongoing services: Monthly or quarterly billing as specified

Large projects: Payment plans available (deposit + milestone payments)

We accept credit cards, debit cards, ACH transfers, PayPal, and Venmo (under $500).

4.3 Third-Party Fees

Unless otherwise stated, the following are NOT included in our service fees and are your responsibility:

State filing fees (LLC/Corporation formation, annual reports)

Registered agent fees (after promotional period)

Expedited processing fees (if requested)

Certified copies or additional documents from agencies

Professional licenses or permits

We will clearly communicate which fees are your responsibility before proceeding.

4.4 Late Payments

If payment is not received by the due date:

A late fee of $25 or 5% of the outstanding balance (whichever is greater) may be charged

Services may be suspended until payment is received

We reserve the right to terminate services for non-payment

You remain responsible for all fees owed plus any collection costs

4.5 Payment Plans

If you enroll in a payment plan:

You must make all scheduled payments on time

Missed payments may result in late fees and service suspension

Work may be paused until payments are current

Final deliverables (documents, filings) may be withheld until full payment is received

5. Refund Policy

Please see our separate Refund Policy page for complete details. In summary:

Services are generally non-refundable once rendered

Refunds are only provided if services were not rendered due to our inability to fulfill the agreement

State filing fees and third-party costs are non-refundable

Deposits may be refunded if you cancel before work begins (minus administrative fees)

By engaging our services, you acknowledge and agree to our refund policy.

6. Professional Standards and Limitations

6.1 Standard of Care

We will provide services with reasonable care, skill, and diligence consistent with industry standards. However:

We do not guarantee specific outcomes or results

We are not responsible for decisions made by state agencies, the IRS, or other authorities

We cannot control processing times or approval decisions by third parties

Tax laws and regulations are complex and subject to interpretation

6.2 Tax Preparation Standards

For tax preparation services:

IRS Circular 230 Compliance:

We comply with IRS Circular 230, which governs practice before the IRS. This includes maintaining confidentiality and avoiding conflicts of interest.

Your Responsibility:

You are ultimately responsible for the accuracy of your tax return. You should review all returns carefully before we file them. By signing your tax return (or authorizing us to file electronically), you certify that the information is correct.

Audit Representation:

Our standard tax preparation services do NOT include audit representation. If you are audited, we can provide support for an additional fee, or you may hire separate representation.

Tax Advice Limitations:

We provide general tax guidance based on current laws. Tax laws change frequently, and we are not responsible for changes that occur after services are completed. For complex tax planning, consult a licensed CPA or tax attorney.

6.3 Business Formation Limitations

For business formation services:

State Processing:

We prepare and submit documents to state agencies, but we do not control processing times, approval, or rejection. Some filings may be rejected due to name availability, errors in information provided, or other issues.

Ongoing Compliance:

Forming a business is only the first step. You are responsible for:

Filing annual reports

Paying franchise taxes or fees

Obtaining business licenses

Complying with ongoing state and federal requirements

We can provide compliance reminders and support (if contracted), but ultimate responsibility is yours.

Entity Selection:

If we provide entity selection guidance, it is based on information you provide and general best practices. Tax implications should be reviewed with a CPA or tax advisor. Legal implications should be reviewed with an attorney.

7. Disclaimers and Limitation of Liability

7.1 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 that services will be error-free or uninterrupted

Warranties of specific outcomes or results

7.2 Limitation of Liability

To the fullest extent permitted by law:

Our total liability to you for any claims arising from our services is limited to the amount you paid us for the specific services that gave rise to the claim.

We are NOT liable for:

Indirect, incidental, consequential, or punitive damages

Lost profits, revenue, or business opportunities

Data loss or corruption

Decisions made by third parties (IRS, state agencies, etc.)

Penalties, interest, or fines imposed by tax authorities or regulatory agencies

Errors or omissions caused by inaccurate or incomplete information you provided

Delays caused by third parties or circumstances beyond our control

7.3 Third-Party Actions

We are not responsible for:

Actions or omissions of state agencies, the IRS, registered agents, or other third parties

Delays in processing by government agencies

Rejection of filings due to state-specific rules or name conflicts

Changes in tax laws or regulations after services are completed

7.4 Website and Technical Issues

We are not liable for:

Website downtime, errors, or technical issues

Loss of data submitted through online forms (always keep copies)

Security breaches caused by third-party services

Compatibility issues with your devices or browsers

8. Intellectual Property

8.1 Our Intellectual Property

All content on our website and in our materials (including text, graphics, logos, templates, guides, and software) is owned by C.O.Y., Incorporated and protected by copyright, trademark, and other intellectual property laws.

You may not:

Copy, reproduce, or distribute our content without permission

Use our trademarks, logos, or branding without authorization

Reverse engineer or replicate our templates or systems

Create derivative works based on our content

8.2 Templates and Documents We Provide

Documents we create for you (Operating Agreements, Bylaws, business plans, etc.) become your property upon full payment. However:

You may only use them for your own business

You may not resell, redistribute, or share them as templates

Blank templates or guides remain our intellectual property

8.3 Your Information

You retain ownership of all information and documents you provide to us. By providing information, you grant us a limited license to use it solely for the purpose of providing services to you.

9. Confidentiality

9.1 Our Commitment

We will keep your information confidential and will not disclose it to third parties except:

As necessary to provide services (e.g., filing with state agencies, IRS)

As required by law (court orders, subpoenas, regulatory requests)

To service providers who assist us (with confidentiality obligations)

With your written consent

See our Privacy Policy for complete details on how we handle your information.

9.2 Your Confidentiality Obligations

If we provide you with proprietary information, templates, or strategies, you agree to:

Keep them confidential

Use them only for your own business

Not share them with competitors or third parties

10. Termination

10.1 Termination by You

You may terminate services at any time by providing written notice. Upon termination:

You remain responsible for all fees for work completed up to the termination date

We will provide you with work-in-progress (upon payment of outstanding fees)

Deposits and fees for completed work are non-refundable (see Refund Policy)

10.2 Termination by Us

We reserve the right to terminate services if:

You fail to pay fees when due

You provide false or misleading information

You engage in abusive, threatening, or inappropriate behavior toward our team

You request services we are unable or unwilling to provide

Continuing the relationship would violate professional standards or laws

Upon termination by us:

We will provide written notice and explanation

You remain responsible for all fees owed

We will return any unused deposits (if applicable)

11. Indemnification

You agree to indemnify, defend, and hold harmless C.O.Y., Incorporated, its owners, employees, and agents from any claims, damages, losses, or expenses (including attorney fees) arising from:

Your breach of these Terms

Your violation of any laws or regulations

Inaccurate or incomplete information you provided

Your use of our services in a manner not authorized by these Terms

Claims by third parties related to your business activities

12. Dispute Resolution

12.1 Informal Resolution

If you have a dispute or complaint, please contact us first at hello@coyservices.com or (307) 344-4335. We will make good-faith efforts to resolve the issue informally.

12.2 Governing Law

These Terms are governed by the laws of the State of Wyoming, without regard to conflict of law principles.

12.3 Jurisdiction and Venue

Any legal action or proceeding arising from these Terms or our services must be brought exclusively in the state or federal courts located in Sheridan County, Wyoming. You consent to the jurisdiction and venue of these courts.

12.4 Arbitration (Optional)

For disputes involving amounts under $10,000, either party may elect binding arbitration instead of court litigation. Arbitration will be conducted in accordance with the rules of the American Arbitration Association.

12.5 Class Action Waiver

You agree that any dispute will be resolved on an individual basis. You waive the right to participate in class actions, class arbitrations, or representative actions.

13. General Provisions

13.1 Entire Agreement

These Terms, together with our Privacy Policy and Refund Policy, constitute the entire agreement between you and C.O.Y., Incorporated regarding our services. These Terms supersede any prior agreements or communications.

13.2 Amendments

We may update these Terms from time to time. Changes will be posted on our website with an updated "Last Updated" date. Your continued use of our services after changes are posted constitutes acceptance of the updated Terms.

For significant changes, we will notify you via email (if we have your email address).

13.3 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

13.4 Waiver

Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or our right to enforce it in the future.

13.5 Assignment

You may not assign or transfer your rights or obligations under these Terms without our written consent. We may assign these Terms to a successor or affiliate without your consent.

13.6 Force Majeure

We are not liable for delays or failure to perform due to circumstances beyond our reasonable control, including natural disasters, government actions, pandemics, internet outages, or third-party service failures.

13.7 Survival

Provisions that by their nature should survive termination (including payment obligations, disclaimers, limitation of liability, and dispute resolution) will survive termination of these Terms.

14. Contact Information

For questions about these Terms or our services, contact us:

C.O.Y., Incorporated

Email: hello@coyservices.com

Phone: (307) 344-4335

Mail: 30 N Gould St, Ste 60655, Sheridan, WY 82801

Website: www.coyservices.com

Business Hours: Monday - Friday, 9:00 AM - 5:00 PM (Mountain Time)

15. Acknowledgment and Acceptance

By using our website or engaging our services, you acknowledge that:

You have read and understood these Terms and Conditions

You agree to be bound by these Terms

You have read our Privacy Policy and Refund Policy

You understand the limitations and disclaimers stated herein

You understand that we do not provide legal advice or practice law

You are responsible for the accuracy of information you provide

You agree to our payment terms and refund policy

If you do not agree to these Terms, you must not use our website or services.

"We are committed to providing excellent service with integrity and transparency. These Terms protect both you and us, ensuring a clear understanding of our professional relationship." — C.O.Y., Incorporated Team

These Terms and Conditions were last updated on February 7, 2026 and are effective immediately.