This disclaimer applies to swurv.tax and its publicly available articles, guides, examples, calculators, graphics, messages, and other general content. It supplements our Terms of Use and Privacy Policy.
1. Purpose and scope
Swurv publishes website content to describe our services and provide general educational information about business formation, tax, accounting, compliance, international operations, banking, and related subjects. Public content is necessarily simplified and cannot address every exception, definition, filing position, or jurisdiction.
Nothing on this website is an offer to provide a regulated service where doing so would be unlawful or beyond the authority of the person performing the work.
2. No automatic professional or client relationship
Visiting the website, downloading or reading material, sending a message, participating in an introductory call, receiving preliminary observations, or paying an invoice before acceptance does not by itself create a tax-practitioner, accountant-client, attorney-client, fiduciary, or other professional relationship.
A client relationship begins only when Swurv accepts an engagement in writing and any required onboarding, conflict, identity, payment, and documentation conditions are satisfied. The accepted engagement defines the client, scope, jurisdictions, deliverables, responsibilities, fees, and limitations. Work outside that scope is not undertaken unless separately agreed.
3. Tax and accounting information
Public tax and accounting content is general and is not individualized advice, a tax opinion, a return position, an audit-defense conclusion, or a determination that a filing is or is not required. Do not use it as the sole basis for a transaction, election, filing, non-filing position, residency decision, or claim for a deduction, credit, exclusion, treaty benefit, or tax rate.
Statements that a foreign-owned U.S. LLC may owe no U.S. federal income tax, may receive a 0% U.S. federal income-tax result, or may have an informational filing obligation even when no tax is due describe possible outcomes—not promises. The result depends on complete facts, including entity classification, ownership, U.S. trade or business, effectively connected income, U.S.-source income, permanent establishment, dependent agents, inventory, services, withholding, elections, and applicable treaties. State, local, franchise, sales, payroll, information-reporting, and non-U.S. obligations may apply independently.
Tax law, administrative guidance, forms, thresholds, exchange rates, treaties, interpretations, and filing procedures change. Content is current only as of the date stated, if any. Later developments may materially change an earlier explanation.
When you formally engage Swurv for tax or accounting services, the applicable engagement—not this website—governs any individualized advice or work product. You remain responsible for reviewing returns and representations, providing complete and accurate information, and approving submissions as required.
4. Legal advice and entity formation
Swurv is not a law firm, and website content does not constitute legal advice. Entity formation and maintenance may involve administrative preparation, coordination, registered-agent services, or filings based on information you provide. Those activities do not replace legal advice concerning ownership rights, contracts, governance, securities, licensing, employment, immigration, asset protection, insolvency, succession, litigation, or enforceability.
Forming an LLC, corporation, or other entity does not automatically create tax savings, liability protection in every circumstance, anonymity, banking access, immigration rights, regulatory approval, or protection from lawful disclosure. Courts, regulators, financial institutions, counterparties, and tax authorities may look beyond an entity's form to its ownership, control, purpose, conduct, capitalization, records, and substance.
5. International and multi-jurisdiction matters
International planning requires coordination across all relevant countries and subnational jurisdictions. U.S. formation or U.S. tax treatment does not determine how another country will classify an entity, attribute income, tax an owner, apply controlled-foreign-company or permanent-establishment rules, impose VAT or GST, require disclosure, or determine residence and management.
Unless a written engagement specifically includes a jurisdiction, Swurv does not undertake responsibility for its law or filing requirements. Local counsel, accountants, or other professionals may be required. Coordination with an outside professional does not make Swurv responsible for that professional's independent advice or conduct.
6. Banking, payments, registered agents, and other third parties
References to bank accounts, payment platforms, registered agents, addresses, incorporation services, or similar providers do not guarantee eligibility, approval, timing, continuity, pricing, or functionality. Third parties make their own decisions and may change their requirements, restrict activities, freeze or close accounts, request additional information, reject an application, or stop serving a country or business type.
Banking onboarding is not banking service, deposit insurance, credit advice, or a promise that an account will open within a particular period. KYC, AML, sanctions, fraud, risk, and source-of-funds reviews remain under the third party's control.
7. Financial, investment, insurance, immigration, and regulatory matters
Website content is not investment, securities, brokerage, wealth-management, insurance, lending, immigration, or regulated financial advice. Swurv is not acting through this website as a broker-dealer, investment adviser, bank, insurer, lender, immigration adviser, or fiduciary. Discuss those matters with an appropriately authorized professional before acting.
Any discussion of cash flow, investments, compensation, retirement accounts, asset protection, or financial strategy is illustrative unless expressly included in a written engagement with a qualified provider.
8. Digital assets and payment instructions
Digital assets, cryptocurrencies, stablecoins, blockchains, decentralized-finance protocols, and related payment methods involve tax, legal, operational, custody, market, fraud, sanctions, and technology risks. Website content does not recommend any asset, network, exchange, wallet, protocol, or transaction.
Blockchain transactions may be irreversible. Confirm the asset, network, amount, destination, and authoritative payment instructions through a known Swurv contact before sending funds. Swurv is not responsible for funds sent to an incorrect network, asset, address, impersonator, or unconfirmed instruction except to the extent liability cannot lawfully be excluded.
9. AI-assisted research and emerging technology
Swurv may use artificial intelligence, machine learning, optical character recognition, automated extraction, translation, calculation, and research tools to assist with appropriate tasks. AI-generated output may be incomplete, outdated, biased, inconsistent, or incorrect and may include fabricated authorities or citations. It is not itself a primary source or professional conclusion.
For material tax work, AI assistance does not replace human responsibility, professional judgment, or appropriate verification. Depending on the task, review may include checking statutes, regulations, treaties, cases, administrative guidance, official instructions, source documents, calculations, and contrary authority. A human remains responsible for Swurv's final work within an accepted engagement.
Our Privacy Policy explains data-minimization, provider review, model-training restrictions, records, and consequential-decision safeguards. Our Terms of Use provide additional conditions for AI-assisted work. Those safeguards reduce risk but do not make any technology error-free.
10. Examples, estimates, testimonials, and expected results
Examples, scenarios, diagrams, tax estimates, pricing illustrations, timelines, case studies, and testimonials are provided for context. They may be simplified, anonymized, edited for length or clarity, or based on facts different from yours. They do not guarantee that you will receive the same result.
No statement on the website guarantees tax savings, privacy, confidentiality from lawful process, audit results, penalty relief, asset protection, business success, account approval, processing speed, or continued availability of a law, strategy, jurisdiction, provider, or platform.
11. External sources and links
Links and references to government agencies, laws, articles, professional resources, and third-party services are provided for convenience. We do not control outside content and do not guarantee that a linked page remains available, accurate, secure, or unchanged. A link does not imply endorsement or create responsibility for the third party.
12. Communications, confidentiality, and secure documents
Do not send highly sensitive information through a public form, ordinary email, Telegram, or another messaging service unless Swurv directs you to an approved method. Internet communications may be delayed, intercepted, misdirected, impersonated, or accessed through a compromised device or account.
An unsolicited communication does not create a confidential professional relationship. We will handle personal information as described in our Privacy Policy, but you should not assume a communication is privileged or that Swurv can accept an engagement until we confirm acceptance.
13. Deadlines, notices, and urgent matters
Website content and general messages are not reminders of your filing, payment, election, response, renewal, appeal, or limitation deadlines. Swurv is responsible for a deadline only when an accepted written engagement clearly places that deadline within scope and you timely provide all required information and authorization.
Do not use website messaging for an emergency, same-day filing, legal notice, government deadline, account compromise, or time-sensitive response unless Swurv separately confirms receipt and responsibility in writing.
14. Accuracy, availability, and reliance
We aim to provide useful, responsible information, but the website is provided “as is” and may contain errors, omissions, or material that is no longer current. We may revise or remove content without notice. To the fullest extent permitted by law, your use of or reliance on public website content is at your own risk and is subject to the disclaimers and liability limitations in our Terms of Use.
15. Contact us
Questions about this disclaimer may be sent to info@swurv.com or through Swurv on Telegram. A response to a general question remains subject to this disclaimer unless provided within an accepted written engagement.