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Terms & Conditions

Please read these terms carefully before using our website or engaging our services. By using procfobts.com, you agree to these terms.

Effective Date: January 1, 2026  |  Last Updated: April 1, 2026

Summary: This site provides educational tax information, not legal or tax advice for your specific situation. Our SMS program requires your explicit opt-in. You may opt out at any time by replying STOP. Engaging ProCFO for services is governed by a separate engagement agreement.

1. Acceptance of Terms

By accessing or using the ProCFO Business and Tax Services website at procfobts.com, submitting a contact form, or opting into our SMS program, you agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree to these terms, please do not use our website or services.

2. About ProCFO Business and Tax Services

ProCFO Business and Tax Services is a CPA firm located in Roselle, Illinois, led by Stephen Challinor, a Certified Public Accountant licensed in the State of Illinois since the 1980s. ProCFO is an Equity Growth Partners (EGP) portfolio company. Our services include tax preparation, accounting, payroll, entity formation, business advisory, and non-profit accounting for clients in Roselle, Schaumburg, and greater Chicagoland.

3. Informational Content: Not Professional Advice

The content on this website, including tax tips, deadline information, educational articles, and general guidance, is provided for informational and educational purposes only. It does not constitute professional tax, accounting, legal, or financial advice for your specific situation.

Tax laws are complex and change frequently. The information on this site may not reflect the most current legal developments or apply to your particular circumstances. You should not rely on any content from this website as a substitute for consultation with a qualified tax professional.

No attorney-client or accountant-client relationship is formed by visiting this website, submitting a contact form, or reading content on our site. An accountant-client relationship with ProCFO is established only through a signed engagement letter.

4. SMS Text Message Terms of Service

A2P Messaging Program: The following terms govern ProCFO's Application-to-Person (A2P) SMS text messaging program in compliance with the TCPA, CTIA Messaging Principles, and applicable carrier guidelines.

4.1 Program Description

ProCFO Business and Tax Services operates an SMS text messaging program to communicate with clients and prospective clients who have explicitly opted in to receive text messages. Messages may include appointment reminders, tax deadline alerts, document submission confirmations, inquiry responses, and informational notices about tax law changes.

4.2 How to Opt In

You may opt in to receive SMS text messages from ProCFO by checking the SMS consent checkbox on our website contact forms. Opting in is completely voluntary and optional. Providing your phone number without checking the SMS consent checkbox does not enroll you in SMS communications. You will not receive promotional or informational text messages unless you explicitly opt in.

By opting in, you represent that: (a) you are the account holder or have permission from the account holder for the phone number provided; (b) you are 18 years of age or older; and (c) you agree to receive text messages from ProCFO Business and Tax Services at the number provided.

4.3 Message Frequency

Message frequency varies. During tax season (January – April), you may receive up to 4–8 messages per month. During off-season periods, messages are typically limited to 1–2 per month or fewer. We will never send unsolicited promotional messages.

4.4 Message and Data Rates

Message and data rates may apply. Charges are assessed by your wireless carrier according to your mobile plan. ProCFO Business and Tax Services is not responsible for any charges incurred from receiving our text messages.

4.5 How to Opt Out

You may opt out of SMS messages at any time using any of the following methods:

After opting out, you will receive a single final confirmation message. No further text messages will be sent. Your opt-out will be processed within one business day.

4.6 Help

For help with our SMS program, reply HELP to any text message or contact us at Info@procfobts.com or 630-681-9020.

4.7 Supported Carriers

Our SMS program is available through major U.S. wireless carriers including AT&T, Verizon, T-Mobile, and others. Carrier support is not guaranteed for all carriers. ProCFO is not liable for messages that are not delivered due to carrier limitations.

4.8 No Warranty on Delivery

ProCFO does not guarantee the delivery of any SMS message. Messages may be delayed or undelivered due to carrier issues, network congestion, or other factors outside our control. Do not rely solely on SMS messages for time-sensitive tax deadline reminders.

5. Website Use

5.1 Permitted Use

You may use this website for lawful purposes to learn about our services, contact us, and access educational tax content. You may not use this site to transmit harmful, unlawful, or infringing content, to attempt unauthorized access to our systems, or for any commercial purpose without our written consent.

5.2 Intellectual Property

All content on this website , including text, design, graphics, and the ProCFO brand identity , is the property of ProCFO Business and Tax Services or its licensors and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our express written permission.

5.3 Third-Party Links

Our website contains links to third-party sites including SmartVault and social media platforms. We do not endorse or control these sites and are not responsible for their content or privacy practices.

6. Limitation of Liability

To the maximum extent permitted by applicable law, ProCFO Business and Tax Services shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website, reliance on its content, or participation in our SMS program. Our total liability for any claim shall not exceed the amount you have paid to ProCFO for services in the preceding twelve months, or $100, whichever is greater.

7. Disclaimer of Warranties

This website is provided “as is” and “as available” without any warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the site will be uninterrupted, error-free, or free of viruses or other harmful components.

8. Governing Law

These Terms and Conditions are governed by the laws of the State of Illinois, without regard to conflict of law provisions. Any disputes arising from these terms or your use of this website shall be resolved in the state or federal courts located in Cook County or DuPage County, Illinois.

9. Changes to These Terms

We reserve the right to update these Terms and Conditions at any time. When we make material changes, we will update the “Last Updated” date above. Continued use of our website or SMS program after changes are posted constitutes your acceptance of the revised terms.

10. Severability

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

11. Contact Information

For questions about these Terms and Conditions or our SMS program, please contact us: