Terms of Service

1. Acceptance of Terms

By accessing or using the website located at terangaglobalsolutions.com or any services provided by Teranga Global Solutions (also referred to as "Teranga," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"), our Privacy Policy, and our Legal Disclaimer. These Terms constitute a legally binding agreement between you and Teranga Global Solutions.

If you are using our services on behalf of a business or organization, you represent that you have the authority to bind that entity to these Terms.

2. Description of Services

Teranga Global Solutions provides the following professional services:

• Tax Preparation and Bookkeeping — Individual and business tax returns, ITIN applications, IRS resolution, bookkeeping, and payroll services
• Immigration Consulting — Document preparation for immigration forms, green card applications, DACA renewals, naturalization, and related matters
• Notary and Paralegal Services — Certified notarization, mobile notary, apostille facilitation, and legal document drafting
• Document Translation — Certified translation in English, French, and Wolof, accepted by USCIS and other agencies
• Business Formation — LLC formation, EIN registration, operating agreements, and business licensing assistance
• Retail Business Consulting — Operations audits, staff training, profitability analysis, and business development
• Financial Coaching — Budgeting, credit building, savings planning, and financial literacy
• IRS Resolution and EIDL Hardship Services — Payment plans, offers in compromise, penalty abatement, and EIDL loan assistance
• Tontine Savings Groups — Community rotating savings group organization and management
• Lawyer Referral Program — Referral services connecting clients with independent licensed attorneys

3. Not a Law Firm — Important Limitation

Teranga Global Solutions is NOT a law firm and does NOT provide legal advice, legal representation, or legal services of any kind. We are a document preparation and consulting company. Our services are limited to:

• Preparing and organizing documents based on information provided by clients
• Providing general information about immigration, tax, and business processes
• Referring clients to licensed attorneys through our Lawyer Referral Program

No attorney-client relationship is created by your use of our services. For matters requiring legal advice or representation, you must consult a licensed attorney. We will refer you to one through our Lawyer Referral Program when appropriate.

Immigration Services Disclaimer: Teranga Global Solutions is not an accredited representative recognized by the Board of Immigration Appeals (BIA). We are not authorized to provide legal representation in immigration proceedings.

4. Client Responsibilities

As a client of Teranga Global Solutions, you agree to:

• Provide accurate, complete, and truthful information for all services requested
• Promptly provide all documents and information requested by our staff
• Review all prepared documents before signing or submitting them
• Notify us immediately of any changes to your situation that may affect your case
• Pay all fees as agreed upon in your service agreement
• Understand that you are responsible for the accuracy of information you provide
• Not use our services for any unlawful purpose

Teranga Global Solutions is not responsible for errors, delays, or adverse outcomes resulting from inaccurate or incomplete information provided by clients.

5. Fees and Payment

Our service fees are as follows (starting rates — exact fees depend on case complexity):

Payment Methods: We accept cash, check (payable to Teranga Global Enterprises LLC), Zelle (813-770-5689), Venmo (@TerangaGlobal), and credit/debit cards (3% processing fee applies).

Payment Plans: Payment plans are available for engagements over $500. Terms are established at the time of service agreement. A written quote will be provided before any work begins.

Government Fees: Government filing fees (such as USCIS fees) are separate from Teranga's service fees and are paid directly to the relevant government agency. Teranga never collects government fees on your behalf.

6. Refund Policy

Refunds are handled on a case-by-case basis. The following general policies apply:

• Before work begins: Full refund if you cancel before any work has been performed
• After work begins: Partial refund based on work completed, at our discretion
• Completed services: No refund for services already rendered
• Government fees: Non-refundable once submitted to government agencies
• Translation services: No refund once translation is delivered

To request a refund, contact us at info@terangaglobalsolutions.com within 30 days of service. All refund decisions are final.

7. Confidentiality and Privacy

We take your privacy seriously. All client information is kept strictly confidential. We will not share your personal information with third parties without your written consent, except as required by law. Please review our Privacy Policy for complete details on how we collect, use, and protect your information.

By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

8. Intellectual Property

All content on the Teranga Global Solutions website — including text, graphics, logos, images, and software — is the property of Teranga Global Solutions or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

Documents prepared by Teranga for your specific case are your property once payment is received in full.

9. Limitation of Liability

To the fullest extent permitted by applicable law, Teranga Global Solutions shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Errors in document preparation resulting from inaccurate client information
• Delays in government processing of applications
• Denial of immigration applications, tax refunds, or business licenses
• Actions or inactions of referred attorneys
• Losses resulting from Tontine group member defaults

Our total liability to you for any claim arising from our services shall not exceed the amount you paid us for the specific service giving rise to the claim.

10. Tontine Savings Group Terms

Participation in Teranga's Tontine Savings Groups is subject to the following additional terms:

• All members must sign a Participation Agreement before joining any group
• Contribution amounts, payout order, and schedules are locked at group start and cannot be changed
• Members who default on contributions may be removed from the group and reported to the community trust network
• Teranga acts as an organizer and coordinator, not as a financial institution or guarantor
• Teranga is not responsible for losses resulting from member defaults, except where covered by the group's guarantee fund
• All Tontine activities comply with applicable state and federal laws
• Members must be 18 years of age or older

Please review the full Tontine Default Protection and Enforcement Policy for complete terms governing Tontine group participation.

11. Lawyer Referral Program Terms

Our Lawyer Referral Program is subject to the following terms:

• Teranga acts solely as a referral intermediary and is not a law firm
• Referred attorneys are independent professionals, not employees or agents of Teranga
• Teranga does not guarantee the quality, competence, or outcome of any referred attorney's services
• The attorney-client relationship is formed directly between you and the referred attorney
• Teranga may receive a referral fee from partner attorneys where permitted by applicable state bar rules
• You are not obligated to hire any referred attorney
• Always verify an attorney's credentials with your state bar association before hiring

12. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Alabama, without regard to its conflict of law provisions. Any disputes arising from these Terms or our services shall be resolved through good-faith negotiation. If negotiation fails, disputes shall be submitted to binding arbitration in Shelby County, Alabama, in accordance with the American Arbitration Association's rules.

13. Changes to These Terms

We reserve the right to modify these Terms at any time. We will notify you of significant changes by posting the updated Terms on our website with a new effective date. Your continued use of our services after changes are posted constitutes your acceptance of the updated Terms. We encourage you to review these Terms periodically.

14. Contact Information