Service Agreement.

This Service Agreement (“Agreement”) is entered into by and between IRSTAXRECORDS.com (“Service Provider”) and the undersigned client (“Service Subscriber” or “Subscriber”) for the provision of federal income tax transcript and Social Security verification services. This Agreement is tailored for lending workflows in the mortgage and banking industry and governs use of the Service, associated portals, tools, and support.

1. Purpose & Scope

Provider will deliver accurate and timely federal income tax information and Social Security verifications to support Subscriber’s compliance, underwriting, fraud prevention, and due-diligence processes. Subscriber agrees to request services in good faith and to comply with this Agreement and applicable laws and program rules.

2. Definitions

• Authorized User: Subscriber’s personnel provisioned with access to the Service.
• Consumer: Applicant/borrower whose data is requested.
• Service: Provider’s systems, portals, APIs, processes, and support used to obtain and deliver IRS transcripts and SSA verifications.
• Request: A single order to retrieve specific data (e.g., a 1040 transcript for a given tax year).

3. Services Provided

3.1 IRS Transcript Retrieval (with consent)

Provider may obtain and deliver IRS transcript types available under program rules, including:

• Form 1040 series (individual) — e.g., AGI; wages (W-2 totals); 1099 income; deductions; credits; capital gains/losses; tax/withholding entries.
• Business transcripts — 1120/1120-S/1065 (corporate/partnership income and related items).
• Record of Account / Account Transcripts and related types as available.

Required consent: IRS Form 4506-C (or successor) completed and signed by the Consumer or authorized representative. Form 8821 may be used, where applicable, to authorize disclosure.

3.2 Social Security Number Verification (with consent)

SSN verification via SSA-89, subject to SSA program terms. Purpose is to ensure Subscriber records are accurate for permissible lending or other authorized purposes stated on the SSA-89.

4. Ordering & Turnaround

• Ordering methods: secure web portal, batch upload, API (if enabled), or other mutually approved means.
• Standard turnaround: typically 1–2 business days upon receipt of valid consent and correct identifiers.
• Rush / best-effort: prioritized handling where permitted; timelines are not guaranteed.
• Dependencies: Turnaround is subject to IRS/SSA availability, government closures, matching errors, form defects, and other factors outside Provider’s control.
• Rejections/holds: May occur due to incorrect or inconsistent data (e.g., name/SSN/address mismatches), incomplete forms, or agency backlogs.

5. Subscriber Responsibilities

• Lawful use: Use the Service only for permissible lending and risk-management purposes and in compliance with GLBA, FTC Safeguards Rule, IRS IVES rules, and SSA requirements.
• Valid consents: Obtain and retain properly executed 4506-C/8821/SSA-89 forms and other required authorizations.
• Minimum necessary: Limit access to Authorized Users with a need-to-know; promptly revoke access for departed users.
• Data accuracy: Submit accurate borrower identifiers and form details to reduce rejects and delays.
• Records: Maintain internal records and audit trails required by law or regulators.

6. Security, Privacy & Compliance

• Safeguards: Provider employs commercially reasonable administrative, technical, and physical controls (e.g., encryption in transit/at rest; RBAC; MFA; audit logs; change management).
• Confidentiality: Each Party will protect the other’s Confidential Information and use it solely for this Agreement’s purposes.
• Incident notification: Provider will notify Subscriber without undue delay (and in any event within 72 hours of confirmation) of a confirmed data incident affecting Subscriber data, and will cooperate reasonably in remediation.
• Subprocessors: Provider may use vetted third-party infrastructure or subprocessors (e.g., secure cloud). A current list is available upon request.
• Data residency: Unless otherwise agreed, data is hosted in U.S. data centers.
• Regulatory cooperation: Provider will reasonably cooperate with Subscriber’s regulators regarding the Service to the extent required by law.

7. Confidentiality & SSA/IRS Requirements

Tax information and SSN verification results are confidential and may only be shared with personnel directly involved in processing permissible requests. Subscriber agrees to:

• Use SSN verifications solely for the purpose specified on the SSA-89.
• Restrict access to the minimum number of Authorized Users and implement administrative, technical, and physical safeguards.
• Avoid re-disclosure. Verification data must not be disclosed or used for any purpose not expressly permitted by this Agreement
• For electronic consent storage: password-protect files, restrict access, implement disaster recovery, and destroy paper originals where program rules permit.

8. Data Retention & Destruction

Retention and Disposition. Provider will retain delivered results and associated order metadata solely for operational, compliance, and legal purposes, consistent with data-minimization principles. Provider will keep such data no longer than necessary and, at a minimum, for the retention periods required by the Internal Revenue Service (IRS) and the Social Security Administration (SSA) for audit and control purposes. Upon termination of this Agreement, or upon Subscriber’s written instruction, Provider will securely delete or return Subscriber Data (including delivered results and order metadata), subject to applicable legal holds and program-mandated retention requirements.

9. Fees & Billing

• Pricing: Per-request and/or subscription pricing as specified in an Order Form or enrollment confirmation.
• Invoicing: Typically monthly in arrears; payment due upon receipt unless stated otherwise.
• Taxes: Fees exclude applicable taxes (Subscriber’s responsibility).
• Non-cancellable requests: Charges apply to submitted requests, including those later rejected by IRS/SSA due to data mismatches or consent defects.

10. Service Levels & Support

• Availability: High availability targeted for hosted portals/APIs, excluding scheduled maintenance and force majeure.
• Support: Dedicated account representatives; live phone support during business hours; after-hours email ticketing.

11. Intellectual Property

All Service software, documentation, and processes are owned by Provider or its licensors. Subscriber receives a non-exclusive, non-transferable right to use the Service during the Term solely in connection with its lending operations.

12. Warranties & Disclaimers

• Performance: Provider warrants it will perform the Service in a professional and workmanlike manner and in accordance with applicable program rules.
• Source data: Provider transmits information as returned by the IRS or SSA and does not alter source data; Provider is not responsible for inaccuracies originating from those agencies.
• No legal advice; not a CRA: Provider does not provide legal advice and is not a consumer reporting agency. Subscriber is responsible for its regulatory obligations and decisioning.

Except as expressly stated herein, the Service is provided “AS IS,” and Provider disclaims all other warranties, express or implied.

13. Limitation of Liability

• Indirect damages excluded: Neither Party is liable for indirect, special, incidental, consequential, or punitive damages.
• Cap: Provider’s aggregate liability will not exceed the fees paid by Subscriber for the Service in the twelve (12) months preceding the event giving rise to the claim.
• Carve-outs: The foregoing does not limit liability for willful misconduct or breach of confidentiality.

14. Term & Termination

• Term: Begins on the Effective Date and continues until terminated.
• Convenience: Either Party may terminate on 30 days’ written notice.
• Cause: Either Party may terminate immediately for material breach not cured within 15 days of notice.
• Effect: Upon termination, access ceases; data will be returned or deleted per Section 8.

15. Dispute Resolution; Governing Law; Venue

This Agreement is governed by Florida law. Venue and exclusive jurisdiction lie in the state or federal courts located in Palm Beach County, Florida, and the Parties consent to personal jurisdiction there.

16. Government & Program Requirements

Both Parties will comply with then-current IRS IVES and SSA program rules, consent form requirements (4506-C, 8821, SSA-89), and identity-verification expectations. Prohibited uses under 42 U.S.C. § 1320b-10 apply as stated above.

17. Force Majeure

Neither Party is liable for delay or failure to perform due to events beyond its reasonable control, including agency outages, labor disputes, acts of God, or utility/network failures.

18. Notices

Notices must be in writing and delivered by recognized courier or email with confirmation to the addresses in the Order Form or enrollment confirmation (as updated in writing).

19. Miscellaneous

• Order of precedence: Order Form > this Agreement > referenced policies.
• Assignment: Neither Party may assign without consent, except in a merger, acquisition, or sale of substantially all assets.
• Entire Agreement; amendments: This Agreement and referenced documents are the entire understanding. Amendments must be in writing and signed by both Parties.
• Severability; waiver: If any provision is unenforceable, the remainder remains in effect. Waivers must be in writing.

Terms of Service Acceptance

By submitting an Order Form, enrolling, or accessing the Service, Subscriber accepts this Agreement. 2026

Contact

Website: IRSTaxRecords.com   |   Support:   |   Phone: (866) 850-4506

Questions about these terms? Call (866) 850-4506 or email .