Terms of Service
Last Updated: September 10, 2025
1. Acceptance of Terms
The following “Terms of Service” governs your use of the software and services provided by Pathward National Association (operating as RA-Premium) at RA-Premium.com (the “Site”) through its service provider HighLevel, Inc d/b/a GoHighLevel. This is a binding agreement between you and RA-Premium and incorporates our Privacy Policy. By using any software or services provided by RA-Premium (the “Services”), you are accepting to be bound to the terms of this Agreement.
We reserve the right to change these Terms from time to time. When we make any changes to our Terms, we will display a notification to inform you that our Terms have been changed or we plan to change our Terms. You acknowledge and agree that it is your responsibility to periodically review this Site and these Terms. Your continued use of this Site and Services after such modifications will constitute acknowledgment and acceptance of the modified Terms.
By using this site and services on this site, you agree to be bound by these terms. If you do not wish to be bound by the these terms, please exit the site. Your sole remedy for dissatisfaction with this site, products, services or services available on this site, or these terms is to cease using the site and/or those particular products, services or services.
2. Services
RA-Premium provides products and services for users on our Site, which you may subscribe to through our Site. Our services are designed to help streamline operations for tax professionals, including lead generation, client management, communication, and payment processing.
a. No Guarantee
Although RA-Premium works hard to provide quality Services, you understand and acknowledge that we cannot promise or guarantee specific results from using the Site or Services available on this site.
b. Temporary Interruptions
You understand and agree that temporary interruptions of the Site may occur. You also understand and agree that we have no control over the third-party networks or service(s) that we may use to provide you with Services. You agree that the Services available on this Site are provided “AS IS” and that we assume no responsibility for the timeliness, deletion, mis-delivery, interruption, or failure to store any user communications or personalization settings.
c. Right to Modify the Services
We reserve the right to implement new elements as part of the Services including changes that may affect the previous mode of operation of the Services. We believe that any such modifications will enhance the overall Services, but it is possible that your opinion may vary.
d. No Contingency on Future Releases and Improvements
You understand that your purchase of the Services on our Site is not contingent on the delivery by us of any future release of any functionality or feature, including without limited to, the continuation of a certain service beyond its current subscription term or third party services or dependent on any public comments we make, regarding any future functionality or feature.
e. Third Party Service Provider
Certain services or features accessible through this Site are provided by third party service providers that are not owned, operated or controlled by RA-Premium. While RA-Premium has selected these service providers with care, it does not guarantee the accuracy, reliability, or performance of their services. By using these services, you acknowledge and agree that:
(i) RA-Premium is not responsible for any content, functionality, or transactions conducted through third party platforms,
(ii) your use of such services is subject the terms and privacy policies of the respective third party service provider as set forth in Section 4 (Third-Party Provider (GoHighLevel) and Data Liability) below, and
(iii) any issues, disputes or claims arising from your use of third party services must be resolved directly with the third party service provider.
3. RA-Premium Service Plans
RA-Premium offers various service plans designed to meet the diverse needs of tax professionals. By subscribing to any of our plans, you agree to the terms and conditions associated with that specific plan as outlined below. All plans are subject to change, and any material changes will be communicated to you in advance.
a. Starter Plan (Ideal for Solo Practitioners)
Price: $50/month
Includes: Phone Calls/Dialer, 2 Way Text & Email Conversation, Web Chat, Reputation Management, Facebook Messenger, Missed Call Textback, Invoice, Calendar, CRM, Surveys, Trigger Links, SMS & Email Templates, Funnels, Forms, Workflows, Campaigns, Blogs, Email marketing, GMB Messaging, GMB Call Tracking, Social Planner, Text To Pay, Proposals & Estimates. Special tax season rates may be available. Please check our website for current promotions.
b. Platinum Plan (For Growing Practices)
Price: $99/month
Includes: Everything in the Starter Plan, plus: 1- Location, Opportunities, Websites, Memberships, All Reporting, Triggers, Blogs.
c. Enterprise Plan (For Multi-Office Firms)
Price: $199/month
Includes: Everything in the Platinum Plan, plus: 3- Locations, Dedicated Account Manager.
4. Third-Party Provider (GoHighLevel) and Data Liability
RA-Premium leverages the GoHighLevel platform to provide its services. By using RA-Premium services, you acknowledge and agree to the following regarding our relationship with GoHighLevel and the management of your data:
a. GoHighLevel as a Third-Party Provider
RA-Premium uses the GoHighLevel platform as the foundational technology for its services. This means that many of the features and functionalities you access through RA-Premium are powered by GoHighLevel. While RA-Premium manages your subscription and provides support, the underlying infrastructure and core software are provided by GoHighLevel.
b. Data Management and Security
Customer data, including but not limited to contact information, communications, and any other information you input or process through the RA-Premium platform, is managed and stored directly within the GoHighLevel infrastructure. Pathward National Association (RA-Premium) is in no way liable for customer data security, data breaches, data loss, or any other data-related incidents as customer data is managed directly through GoHighLevel’s platform and infrastructure. By purchasing any of the plans available at RA-Premium.com and accepting these Terms of Service, you expressly acknowledge and agree that responsibility for data security, data protection, and compliance with applicable data protection laws (including but not limited to GDPR, CCPA, HIPAA, and other privacy regulations) falls on GoHighLevel as the underlying platform provider.
c. Agreement to GoHighLevel Terms
By using RA-Premium services, you are also agreeing to GoHighLevel’s terms and conditions, as your data and usage are processed through their system. It is your responsibility to review and understand GoHighLevel’s policies. We strongly encourage you to familiarize yourself with the following documents:
GoHighLevel Data Processing Agreement
d. Indemnification
You agree to indemnify, defend, and hold harmless RA-Premium from any and all claims, damages, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising out of or in connection with data processing, data security incidents, or data-related compliance issues that occur through the GoHighLevel platform.
5. Payment
a. Fees
If you choose to purchase one or more of the Services provided on our Site, you agree to pay all fees associated with the Services. Our monthly subscription provides tiered pricing for different levels of services and products based on the services you choose to use. In addition to our monthly subscription services, you may purchase add-in services for a one-time fee or recurring subscription fees. Fees may change from time to time.
Any charges incurred by your purchase or use of the Services, will be billed to the credit card we have on file. In the event you sign up for a Service that is ongoing and incurs reoccurring charges (such as a subscription), such charges will be billed in advance of service. You agree to provide us with accurate and complete billing information, including valid credit card information, your name, address and telephone number, and to provide us with any changes in such information within 10 days of the change.
b. Overdue Amounts
If, for any reason, your credit card declines or otherwise refuses to pay the amount owed for the Services you have purchased, you agree that we may suspend or terminate performance of Services or delivery of products and may require you to pay any overdue amounts incurred (including any third-party chargeback fees or penalties) by other means acceptable to us. In the event legal action is necessary to collect on balances due, you agree to reimburse us for all expenses incurred to recover sums due, including attorney fees and other legal expenses.
c. All Subscriptions Non-refundable
All subscriptions are automatically renewed either month over month (for monthly) or year over year (for annual). Except as described below, all fees paid for the Services provided on our Site are non-refundable, and no prorated refunds or credits will be offered for partially used subscriptions. However, if we issue a refund or credit in one instance, we are under no obligation to issue the same refund or credit in the future.
By agreeing to the terms and conditions for the Pay with Prep Fees, Pathward holds the right to debit the credit card on file for any outstanding balances remaining from the subscription or other services requested.’
We reserve the right to issue refunds or credits at our sole discretion in the following situations:
Where we materially modify Terms of Service or Privacy Policy during a billing period and such modification adversely affects you, we may refund a portion of your subscription fee equal to the remaining unused term, as we determine appropriate or as may be required by applicable law. To be eligible for a refund, you must provide written notice which must (a) identify your account and (b) request cancellation of the specific Service. The cancellation will be effective upon our receipt of your notice and our determination that you are authorized to effect such cancellation.
6. General Provisions
a. Intellectual Property
All intellectual property rights in the Platform and Services, including all content, software, and technology used to provide the Platform and Services, are owned by RA-Premium or its licensors. You are granted a limited, non-exclusive, non-transferable, revocable license to use the Platform and Services for your internal business purposes in accordance with these Terms. You may not copy, modify, distribute, sell, or lease any part of our Platform or Services, nor may you reverse engineer or attempt to extract the source code of that software, unless laws prohibit those restrictions or you have our written permission. You may not use any of RA-Premium’s trademarks, logos, or other proprietary graphics without our express written permission.
b. Disclaimer of Warranties
The platform and services are provided “as is” and “as available” without warranties of any kind, either express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. Ra-premium does not warrant that the platform or services will be uninterrupted, error-free, or secure, or that any defects will be corrected. Ra-premium does not warrant that the results that may be obtained from the use of the platform or services will be accurate or reliable. You use the platform and services at your own risk.
c. Limitation of Liability
In no event shall ra-premium be liable for any indirect, incidental, special, consequential, or punitive damages, including, but not limited to, loss of profits, data, use, goodwill, or other intangible losses, arising out of or in connection with your access to or use of or inability to access or use the platform or services, whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not ra-premium has been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose. In no event shall ra-premium’s aggregate liability for all claims relating to the platform and services exceed the amount paid by you to ra-premium for the past twelve months for the services giving rise to the claim.
d. Indemnification
You agree to indemnify, defend, and hold harmless RA-Premium and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising out of or in connection with your use of the Platform or Services, your breach of these Terms, or your violation of any law or the rights of a third party.
e. Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions. You agree to submit to the personal jurisdiction of the state and federal courts located in Delaware for the purpose of litigating all such claims or disputes.
f. Entire Agreement
These Terms constitute the entire agreement between you and RA-Premium regarding the use of the Platform and Services and supersede all prior and contemporaneous agreements, understandings, and representations, whether written or oral, relating to the subject matter hereof.
g. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
h. Waiver
No waiver of any provision of these Terms shall be deemed a further or continuing waiver of such provision or any other provision, and RA-Premium’s failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.
i. Assignment
You may not assign or transfer these Terms, by operation of law or otherwise, without RA-Premium’s prior written consent. Any attempt by you to assign or transfer these Terms, without such consent, will be null and void. RA-Premium may freely assign or transfer these Terms without restriction.
j. Contact Information
If you have any questions about these Terms, please contact us RA-Premium at RA-
7. Dispute Resolution
Any dispute arising out of or in connection with these Terms, including any question regarding its existence, validity, or termination, shall be referred to and finally resolved by arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association. The number of arbitrators shall be one. The seat, or legal place, of arbitration shall be Delaware. The language to be used in the arbitral proceedings shall be English.
8. Class Action Waiver
You and RA-premium agree that each may bring claims against the other only in your or its individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. Unless both you and RA-premium agree otherwise, the arbitrator may not consolidate more than one person’s claims and may not otherwise preside over any form of a representative or class proceeding.
9. Limitation on Time to File Claims
Any cause of action or claim you may have arising out of or relating to these terms or the platform must be commenced within one (1) year after the cause of action accrues, otherwise, such cause of action or claim is permanently barred.
10. Content Disclaimer
The content provided through the Services or made available on any Services related websites is provided for general informational purposes only and does not constitute financial, investment or tax advice. While RA-Premium strives to ensure the accuracy and timeliness of the information presented, we make no guarantees regarding its completeness, reliability or applicability to your specific circumstances.
All financial and tax-related content – including articles, calculators, tools and commentary is not intended to substitute for professional advice.
RA-Premium disclaims any liability for losses or damages incurred as result of reliance on any content, including but not limited to errors, omissions or outdated information. We do not assume responsibility for third party content, links or user generated material that may appear on any website.
Contact
Please contact us with any questions or concerns regarding our policy.
Customer Support Team: [email protected]