Last Updated: February 16, 2026.

Welcome to the website of AB Tawil & Associates (“AB Tawil,” “we,” “our,” or “us”). These Terms and Conditions (“Terms”) govern your access to and use of our website and any related services. By accessing or using our website, you agree to be bound by these Terms. If you do not agree, please do not use our website.

1. About Us

AB Tawil & Associates is an accounting and tax advisory firm located in San Diego, California. We provide accounting, tax preparation, consulting, and related professional services.

Our website is intended for informational purposes and to facilitate communication with prospective and existing clients.

2. No Professional Advice Through Website

The information provided on this website is for general informational purposes only and does not constitute legal, tax, accounting, or financial advice.

Your use of this website does not create a client relationship between you and AB Tawil. A professional relationship is established only after:

• We have agreed in writing to provide services; and
• An engagement agreement has been signed by the client.

You should not act or refrain from acting based solely on information provided on this website.

3. User Responsibilities

By using our website, you agree:

• To use the website only for informative purposes
• Not to attempt unauthorized access to any portion of the website
• Not to interfere with the website’s operation or security
• Not to upload malicious code, viruses, or harmful content

We reserve the right to restrict or terminate access to users who violate these Terms.

4. Intellectual Property

All content on this website (including text, graphics, logos, design, images, layout, and other materials) is the property of AB Tawil or its licensors and is protected by intellectual property laws.

You may not:

• Copy, reproduce, modify, distribute, or republish website content without prior written consent;
• Use our name, logo, or branding without authorization.

Limited personal, non-commercial use of website content is permitted.

5. Client Portals and Secure Communications

If we provide access to secure portals or electronic document systems:

• You are responsible for maintaining the confidentiality of login credentials;
• You agree to notify us immediately of any unauthorized access;
• You are responsible for information submitted under your account.
• We are not responsible for unauthorized access resulting from your failure to safeguard credentials.

6. Third-Party Links

Our website may contain links to third-party websites. These links are provided for convenience only. We do not control or endorse third-party websites and are not responsible for their content, privacy practices, or services.

7. Disclaimer of Warranties

This website is provided on an “as-is” and “as-available” basis. To the fullest extent permitted by law, AB Tawil disclaims all warranties, express or implied, including but not limited to:

• Warranties of merchantability
• Non-infringement

We do not guarantee that:

• The website will be uninterrupted or error-free;
• The website will be secure or free from viruses;
• The information provided is complete, accurate, or current.

8. Limitation of Liability

To the fullest extent permitted under California law, AB Tawil shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or related to:

• Use of or inability to use the website;
• Reliance on website content;
• Unauthorized access to information transmitted via the website.

Nothing in these Terms limits liability where such limitation is prohibited by law.

9. Privacy

Your use of our website is also governed by our Privacy Policy. Please review our Privacy Policy for information on how we collect and use personal information.

10. Indemnification

You agree to indemnify and hold harmless AB Tawil, its owners, employees, and affiliates from any claims, damages, liabilities, costs, or expenses arising from:

• Your violation of these Terms;
• Your misuse of the website;
• Your violation of any law or third-party rights.

11. Mandatory Arbitration and Dispute Resolution

A. Agreement to Arbitrate. By using this website or engaging our services, you agree that any dispute, claim, or controversy arising out of or relating to:

• These Terms and Conditions;
• Your use of this website;
• Any services provided by AB Tawil & Associates;
• Any communications, representations, or interactions with us;

shall be resolved exclusively through final and binding arbitration, rather than in court, except as expressly provided below. This agreement to arbitrate is governed by the Federal Arbitration Act.

B. Informal Resolution First. Before initiating arbitration, the parties agree to attempt in good faith to resolve any dispute informally. Written notice of the dispute must be provided to the other party, describing the nature of the claim and the relief sought. The parties will have 30 days from receipt of the notice to attempt resolution.

C. Arbitration Procedure. If the dispute is not resolved informally, it shall be administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules in effect at the time of filing. The arbitration shall take place in San Diego County, California and it shall be conducted before a single neutral arbitrator. The arbitrator shall have authority to award any relief available under applicable law. The arbitrator’s decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction. Each party shall bear its own attorneys’ fees and costs unless otherwise awarded by the arbitrator under applicable law.

D. Waiver of Jury Trial. By agreeing to arbitration, both parties waive the right to a trial by jury or to participate in a court proceeding, except to enforce an arbitration award or as otherwise permitted by law.

E. Class Action Waiver. To the fullest extent permitted by law, disputes must be brought in an individual capacity and not as a plaintiff or class member in any purported class, collective, representative, or consolidated proceeding. The arbitrator shall not have authority to consolidate claims or preside over any form of representative or class proceeding.

F. Exceptions. Notwithstanding the foregoing:

• Either party may bring an individual claim in small claims court, if eligible.
• Either party may seek temporary or preliminary injunctive relief in a court of competent jurisdiction to protect confidential information or intellectual property rights.

G. Severability. If any portion of this Arbitration section is found unenforceable, the remaining provisions shall remain in full force and effect, except that if the class action waiver is deemed unenforceable, this entire Arbitration section shall be null and void.

12. Modifications to These Terms

We may update these Terms from time to time. Updates will be posted on this page with a revised effective date. Your continued use of the website after changes are posted constitutes acceptance of the revised Terms.

13. Contact Information

If you have questions regarding these Terms and Conditions, please contact:

AB Tawil & Associates
3131 Camino del Rio N, Suite 160
San Diego, CA
Phone: +1 (619) 270-1286
Email: info@abtawil.com