Terms & conditions.

EFFECTIVE AUGUST 28, 2026 · DRAFT PENDING COUNSEL REVIEW

1. Acceptance of these terms

These Terms & Conditions govern your use of xeladvisors.com and the related services described here, including our client portals and our email and text-message communications. By using this website or communicating with us through it, you agree to these terms. If you do not agree, please do not use the site.

These terms are between you and Xel Advisors, Inc. and, where applicable, its affiliates Xel Wealth Management, Inc. and XA Insurance Services, Inc. (together, "Xel," "we," or "us").

2. Information only — not professional advice

Everything on this website is general information. It is not tax, accounting, legal, investment, or insurance advice, and it does not create a professional relationship, an accountant-client relationship, or an advisory relationship. Tax and financial rules are fact-specific and change frequently; do not act on anything here without professional advice about your own situation.

A professional relationship begins only when we and you sign a written engagement letter describing the scope, fees, and responsibilities of the work. Submitting a form, booking a consultation, or exchanging messages does not by itself create one.

3. Engagement letters control

Where an engagement letter or advisory agreement exists between us, that document governs the services and controls over these terms in the event of a conflict, including as to scope, fees, confidentiality, ownership of workpapers, dispute resolution, and termination.

4. Our entities and what each provides

Tax, accounting, and business advisory services are provided by Xel Advisors, Inc. Wealth management and investment advisory services are provided by Xel Wealth Management, Inc., a Registered Investment Adviser licensed in California, Oregon, and Florida — registration does not imply a certain level of skill or training, and its disclosures are published at xelwealth.com. Insurance products are provided by XA Insurance Services, Inc., which is compensated by carrier commissions.

Engaging one entity does not require engaging another, and each engagement carries its own agreement, compensation, and disclosures.

5. Your responsibilities

When you work with us, you agree to:

• provide complete and accurate information, and to correct it promptly if something changes;
• respond to our requests for documents and approvals in time to meet filing and transaction deadlines;
• review any return, statement, or filing we prepare before it is submitted, and tell us about anything that looks wrong;
• keep your portal credentials confidential and notify us immediately if you suspect unauthorized access;
• not send sensitive personal information by unencrypted email or text; use the portal instead.

We rely on the information you give us and do not audit or independently verify it unless the engagement expressly says so.

6. Client portals, e-delivery & e-signature

We use TaxDome and Canopy as secure client portals for document exchange, messaging, organizers, and electronic signature, and Microsoft 365 for email and document storage. Your use of those platforms is also subject to their own terms and privacy policies.

By using the portals you consent to receive documents, notices, and disclosures electronically, and you agree that electronic signatures and records have the same legal effect as handwritten signatures and paper records under the federal E-SIGN Act and comparable state law. You may withdraw consent to electronic delivery by contacting us, though some services depend on it. You are responsible for maintaining an accurate email address and for downloading and retaining copies of your documents; portal access may end when an engagement ends.

7. Text messaging (SMS) terms

We use RingCentral for calls and text messaging. If you give us your mobile number and consent, we may text you about your engagement — documents, deadlines, appointment reminders, and firm updates. Consent to texts is never a condition of service.

By submitting your contact information, you agree to be contacted about your request & other information using text messaging. Message frequency may vary. Message & data rates may apply. You can opt out any time by texting STOP to cancel. For assistance, text HELP or visit our website at www.xeladvisors.com. Visit www.xeladvisors.com/privacypolicy for privacy policy and www.xeladvisors.com/terms-conditions for Terms and Conditions. No mobile information will be shared or sold to third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Text messaging is not a secure or archival channel and is not an acceptable way to deliver instructions that require documentation — for example, authorizing a filing, a trade, or a funds transfer. Use the portal or a signed document for those. We are not responsible for messages that are delayed or not delivered by a carrier.

8. Fees, invoices & payment

Fees for professional services are set in your engagement letter. Invoices are due on the terms stated on the invoice, and each office may use its own payment platform. We may suspend work or withhold delivery of work product on past-due accounts, subject to our professional obligations. Consultations described as free on this website are free — no obligation, no payment details required.

9. The website assistant

The chat assistant on this site is an automated tool that answers general questions about the firm. Its responses are informational, may be incomplete or wrong, and are not advice — nothing it says creates a professional relationship or binds the firm. Do not enter sensitive personal information into it.

10. Intellectual property

The content, design, text, graphics, logos, and marks on this site are owned by Xel or its licensors and are protected by copyright and trademark law. You may view, download, and print pages for your own non-commercial reference. You may not republish, sell, scrape, systematically copy, or use our content to train a machine learning model without our written permission. The Xel name and logo may not be used without permission.

CFP® and CERTIFIED FINANCIAL PLANNER™ are certification marks owned by Certified Financial Planner Board of Standards, Inc. CPA licensure is granted by state boards of accountancy. Third-party names and logos belong to their owners and appear for identification only.

11. Third-party links & services

This site links to third-party resources — the IRS and state revenue agencies, custodians, portals, scheduling tools, and payroll platforms. We do not control them, are not responsible for their content, availability, or practices, and a link is not an endorsement. Refund-status and deadline information reproduced here is provided for convenience; the issuing agency is always the authoritative source.

12. No warranties

This website is provided "as is" and "as available." To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be uninterrupted, secure, or error-free, or that content — including tax dates, rates, and third-party links — is current or complete.

13. Limitation of liability

To the fullest extent permitted by law, Xel and its partners, employees, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenue, data, or goodwill, arising out of your use of this website. Our total liability arising from your use of the website will not exceed one hundred U.S. dollars ($100). Liability relating to professional services is governed by the applicable engagement letter, not by this section. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

14. Indemnification

You agree to indemnify and hold Xel harmless from claims, losses, and expenses (including reasonable attorneys’ fees) arising from your misuse of this website, your violation of these terms, or your infringement of another party’s rights.

15. Privacy

Our Privacy Policy explains what we collect, how we use and share it, how we protect it, and your rights. It is incorporated into these terms by reference.

16. Governing law & disputes

These terms are governed by the laws of the State of California, without regard to its conflict-of-laws rules, and the state and federal courts located in San Bernardino County, California will have exclusive jurisdiction over any dispute relating to this website — except where an engagement letter specifies a different forum or requires arbitration, in which case that agreement controls.

Counsel note: confirm the governing-law and venue choice above, and decide whether to add a mandatory arbitration and class-action waiver clause, before this page is published.

17. Changes to these terms

We may update these terms as our services, technology, or the law changes. The effective date at the top reflects the current version, and your continued use of the site after an update means you accept it.

18. Contact

Xel Advisors, Inc. · 337 N Vineyard Ave, Suite 230, Ontario, CA 91764 · hello@xeladvisors.com · +1 (866) 793-5272.