Financial Bloc Inc
Email: [email protected] | Website: www.financialbloc.com
Effective Date: May 22, 2026 | Last Updated: May 22, 2026
PLEASE READ THESE TERMS OF SERVICE CAREFULLY BEFORE PURCHASING OR ACCESSING THE S-CORP HEALTH INSURANCE DEDUCTION BLUEPRINT. BY COMPLETING YOUR PURCHASE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS IN THEIR ENTIRETY. IF YOU DO NOT AGREE, DO NOT PURCHASE OR ACCESS THIS SYSTEM.
These Terms of Service ("Terms") constitute a legally binding agreement between you ("Buyer") and Financial Bloc Inc, a Florida company ("Financial Bloc," "we," or "us"), governing your purchase and use of the S-Corp Health Insurance Deduction Blueprint (the "System"). By completing your purchase, you agree to these Terms. If you are purchasing on behalf of an entity, you represent that you have authority to bind that entity.
The System is a licensed digital educational product organized into four components, each defined below. It is not a professional service engagement. No CPA-client, attorney-client, or advisor-client relationship is created by your purchase or use of the System.
Component 1 — Educational Blueprint: A step-by-step written guide presenting general eligibility criteria, requirements, and concepts related to the S-Corp owner health insurance deduction under IRC § 162(l) and related IRS guidance. This component provides educational context only.
Component 2 — Workflow and Records Preparation: Organizational frameworks, checklists, and document templates designed to help Buyer gather, structure, and present relevant facts and records to their CPA or tax professional. These materials are preparation tools, not tax documents or professional filings.
Component 3 — Guided CPA and Payroll Conversations: Sample questions, talking points, and discussion frameworks to help Buyer have more informed and efficient conversations with their payroll provider and CPA. These are illustrative starting points, not instructions or professional directives.
Component 4 — Estimation and Qualification Calculator: A digital calculation tool that generates estimated deduction figures based solely on user-entered assumptions. Outputs are estimates for illustrative purposes only and must not be used in any tax filing, payroll submission, or financial decision without independent CPA review and approval.
USE OF ANY COMPONENT OF THIS SYSTEM IS EXPRESSLY CONDITIONED ON BUYER'S AGREEMENT TO CONSULT A LICENSED CPA OR TAX PROFESSIONAL BEFORE IMPLEMENTING ANY STRATEGY, USING ANY DOCUMENT OR TEMPLATE, OR RELYING ON ANY CALCULATOR OUTPUT CONTAINED IN THE SYSTEM. Financial Bloc's liability is expressly limited in all circumstances where Buyer fails to fulfill this condition prior to implementation.
Subject to these Terms, Financial Bloc grants Buyer a limited, revocable, non-exclusive, non-sublicensable, non-transferable, single-user license to access and use the System for Buyer's own internal business planning purposes only.
This license is granted to one named individual. "Single-user" means the specific person who completed the purchase. Use of the System by any other person — including but not limited to employees, contractors, officers, partners, advisors, or any third party — is expressly prohibited without prior written consent from Financial Bloc Inc.
• Ownership of or title to any materials, frameworks, or intellectual property
• Right to sublicense, resell, transfer, or assign this license to any third party
• Right to use the System on behalf of or for the benefit of any third party
• Right to incorporate the System's frameworks into any competing product or service
Financial Bloc reserves the right to revoke this license immediately, without refund, if Buyer violates any provision of these Terms, including unauthorized sharing, a chargeback or payment dispute after access is granted, or fraudulent activity. Revocation will be communicated to the email address provided at purchase. Upon revocation, all access to the System must cease immediately.
Buyer may not, directly or indirectly:
• Share, distribute, forward, resell, or otherwise transfer the System or any component to any third party
• Upload the System to any shared drive, cloud storage, forum, repository, or public or private network accessible by more than one person
• Share, forward, or post the access link or credentials provided by Financial Bloc
• Copy, reproduce, screenshot, screen-record, or otherwise capture any portion of the System in any format
• Use the System or any portion of it to train, develop, or improve any artificial intelligence model, machine learning system, or automated tool
• Reverse-engineer, deconstruct, or repurpose the System's frameworks for any competing commercial product or service
• Remove, obscure, or alter any copyright notice, watermark, or proprietary marking in the System
The System, including but not limited to the Educational Blueprint, Workflow Preparation templates, Guided Conversation frameworks, Estimation Calculator, all written content, structural organization, and the overall methodology, constitutes the proprietary intellectual property of Financial Bloc Inc, protected under U.S. copyright law (17 U.S.C. § 101 et seq.) and applicable trade secret law. All rights not expressly granted in Section 2 are reserved by Financial Bloc Inc.
"Financial Bloc" and "S-Corp Health Insurance Deduction Blueprint" are proprietary brand identifiers of Financial Bloc Inc. Unauthorized commercial use of these names is prohibited.
Buyer acknowledges that unauthorized sharing or distribution of the System causes harm to Financial Bloc that is difficult to quantify precisely. Buyer therefore agrees that, in the event of any unauthorized distribution or sharing of the System or any component thereof, a sum of $5,000 per instance of unauthorized distribution constitutes a reasonable pre-estimate of Financial Bloc's damages and not a penalty. This liquidated damages provision is in addition to, and not in lieu of, any remedies available under applicable copyright law.
The System is an educational communication and preparation framework. It is designed to help S-Corp owners understand general concepts, organize their records, and have more productive conversations with their professional advisors. The System does not tell Buyer what deductions to take, what amounts to claim, or what actions to implement.
• Tax advice or tax preparation services
• Legal advice or legal services
• Accounting advice or accounting services
• Financial planning or investment advice
• A substitute for the professional judgment of a licensed CPA, tax attorney, or other qualified professional
No CPA-client, attorney-client, or other professional advisory relationship is created between Buyer and Financial Bloc Inc by virtue of purchasing or using the System.
Component 1 presents general eligibility criteria as commonly understood under IRS guidance. Eligibility for the S-Corp health insurance deduction is a fact-specific determination that depends on Buyer's specific business structure, payroll configuration, plan setup, and individual circumstances. Financial Bloc makes no representation that any Buyer will qualify for any deduction, and the System does not constitute a determination of eligibility.
The document templates and organizational checklists in Component 2 are provided solely to improve the efficiency of Buyer's communication with their professional advisor. Buyer's CPA or tax professional is solely responsible for independently reviewing, verifying, and approving any information or documentation before use in any tax filing, payroll action, or professional submission. Financial Bloc bears no liability for errors, omissions, or outcomes resulting from information Buyer provides to their CPA using these materials.
The sample questions and talking points in Component 3 are illustrative starting points only. Buyer's payroll provider and CPA retain full professional responsibility for all decisions made based on their independent review of Buyer's specific facts. Financial Bloc is not a party to, and bears no responsibility for, any action taken by Buyer's payroll provider or CPA in response to conversations informed by these materials.
Financial Bloc does not guarantee any specific tax outcome, deduction amount, tax savings, or IRS acceptance of any position. All implementation decisions are solely the responsibility of Buyer and Buyer's CPA.
The Calculator assumes, among other things, that: (1) Buyer's S-Corp election is valid and in good standing; (2) Buyer is on W-2 payroll through the S-Corp; (3) the health insurance plan is established in the name of the S-Corp or Buyer as a greater-than-2% shareholder; and (4) no other disqualifying factors apply. Buyer's CPA must independently verify each of these assumptions before any reliance on calculator output.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, FINANCIAL BLOC INC'S TOTAL CUMULATIVE LIABILITY TO BUYER FOR ANY AND ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SYSTEM — WHETHER IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER LEGAL THEORY — SHALL NOT EXCEED THE AMOUNT ACTUALLY PAID BY BUYER FOR THE SYSTEM.
IN NO EVENT SHALL FINANCIAL BLOC INC BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO: LOST TAX SAVINGS OR DEDUCTIONS; IRS PENALTIES, INTEREST, OR AUDIT COSTS; PROFESSIONAL FEES INCURRED TO REMEDIATE A TAX POSITION; LOSS OF BUSINESS, REVENUE, OR PROFITS; OR ANY OTHER ECONOMIC LOSS, EVEN IF FINANCIAL BLOC INC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Buyer acknowledges that the limitations of liability in this Section 6 reflect a reasonable allocation of risk between the parties and are an essential basis of the bargain between them. Financial Bloc would not have offered the System at its current price without these limitations.
Financial Bloc's liability is further limited, and Buyer assumes sole responsibility for all outcomes, in any circumstance where Buyer implemented any strategy, used any document, or relied on any calculator output from the System without first consulting a licensed CPA or tax professional, as required by Section 1.4 of these Terms.
Upon successful payment, access to the System is delivered digitally via secure link or view-only access through Financial Bloc's delivery platform. Access is granted immediately after purchase is confirmed.
Delivery is considered complete and the product consumed once access is provided, regardless of whether Buyer reviews, downloads, or uses any portion of the materials. The access link or credentials provided are for Buyer's individual use only and may not be shared, forwarded, or transferred.
Refund requests must be submitted to [email protected] within three (3) business days of the date of purchase. Requests submitted after this window will not be considered.
A refund will not be issued if:
• The access link has been opened or the materials have been accessed, downloaded, or viewed in any form
• The Calculator has been used or any output has been generated
• The three-business-day window has passed, regardless of whether materials were accessed
Financial Bloc may approve refunds in its reasonable discretion on a case-by-case basis where the product has genuinely not been accessed, subject to applicable law.
BUYER EXPRESSLY ACKNOWLEDGES AND AGREES THAT: (1) ACCESS TO THE SYSTEM CONSTITUTES COMPLETE DELIVERY AND CONSUMPTION OF THE DIGITAL PRODUCT; (2) ALL SALES ARE FINAL ONCE ACCESS IS GRANTED; AND (3) INITIATING A CHARGEBACK OR PAYMENT DISPUTE WITH A CREDIT CARD ISSUER OR PAYMENT PROCESSOR AFTER ACCESS HAS BEEN GRANTED CONSTITUTES A MATERIAL BREACH OF THESE TERMS, MAY RESULT IN IMMEDIATE REVOCATION OF ACCESS, AND MAY SUBJECT BUYER TO COLLECTION ACTION FOR THE FULL PURCHASE PRICE PLUS COSTS.
These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.
Any dispute, claim, or controversy arising out of or relating to these Terms or the System — including questions of arbitrability — shall be resolved by final and binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, as modified by these Terms. The arbitration shall take place in Palm Beach County, Florida, or by remote proceeding. The arbitrator's decision shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.
BUYER WAIVES ANY RIGHT TO PARTICIPATE IN OR BRING A CLASS ACTION LAWSUIT, CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ACTION, OR ANY OTHER REPRESENTATIVE PROCEEDING. ALL DISPUTES SHALL BE RESOLVED ON AN INDIVIDUAL BASIS ONLY.
Notwithstanding the foregoing, either party may bring an individual action in a small claims court of competent jurisdiction for disputes within that court's jurisdictional limits.
These Terms, together with any purchase confirmation and the Privacy Policy at www.financialbloc.com, constitute the entire agreement between Buyer and Financial Bloc Inc with respect to the System and supersede all prior negotiations, representations, or agreements.
If any provision of these Terms is held to be unenforceable or invalid, that provision will be modified to the minimum extent necessary to make it enforceable, and all remaining provisions will continue in full force and effect.
Financial Bloc's failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.
Financial Bloc reserves the right to update these Terms. Updated Terms will be posted at www.financialbloc.com with a revised effective date. Continued use of materials after notification of updates constitutes acceptance of the revised Terms.
For questions, support, or refund requests:
Financial Bloc Inc
Email: [email protected]
Website: www.financialbloc.com
BUYER ACKNOWLEDGMENT
By completing your purchase of the S-Corp Health Insurance Deduction Blueprint, you acknowledge and agree to all of the following:
You are purchasing a licensed single-user digital educational product, not a professional service or tax advice engagement.
Access to the System constitutes complete delivery and consumption of the product.
You are required to consult a licensed CPA or tax professional before implementing any strategy, using any template, or relying on any Calculator output from the System.
The Calculator produces estimates based solely on your entered assumptions and must not be used in any tax filing without independent CPA review and approval.
Financial Bloc Inc's total liability is capped at the purchase price paid, and consequential damages (including IRS penalties) are excluded.
Unauthorized sharing or distribution of the System exposes you to liquidated damages of $5,000 per instance, in addition to copyright remedies.
Disputes will be resolved by binding individual arbitration under Florida law, and you waive your right to participate in any class action.
You have read, understood, and agree to be bound by these Terms in their entirety.
© 2026 Financial Bloc Inc. All Rights Reserved.
"Financial Bloc" and "S-Corp Health Insurance Deduction Blueprint" are proprietary brand identifiers of Financial Bloc Inc.
This document is protected under U.S. Copyright Registration. Unauthorized reproduction or distribution will be pursued under applicable federal law.