Terms of Service

Last updated: March 2026

Key Points

  • Using this website does not create a CPA-client relationship. A signed engagement letter is required before any professional work begins.
  • All content on this site is for general informational purposes only and does not constitute tax, legal, or financial advice.
  • Monaco CPA is licensed in New Jersey (Firm #20CB00789800). Services outside NJ may be subject to limitations.
  • Our AI assistants (SAM and HASH) are informational tools only; their responses are not professional advice.

Agreement to Terms

By accessing or using the website at https://www.monacocpa.cpa (the "Site"), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you should not use the Site.

No CPA-Client Relationship

Use of this website does not create a CPA-client relationship. Visiting this website, submitting a contact form, or scheduling a consultation does not create a CPA-client relationship. A formal engagement letter signed by both parties is required before any professional services begin.

Informational Content Only

The information provided is for general educational purposes only and does not constitute tax, legal, or investment advice. This content is not intended or written to be used, and cannot be used, for the purpose of avoiding penalties under the Internal Revenue Code. Tax outcomes depend on your specific facts and circumstances. Viewing this material does not create a CPA-client relationship. Personalized advice is provided only through a signed engagement letter.

Licensing

Monaco CPA is licensed by the New Jersey State Board of Accountancy (Firm License #20CB00789800). Services are provided remotely to clients nationwide. Monaco CPA does not maintain physical offices outside New Jersey and does not hold CPA firm permits in other states.

You can verify our NJ CPA license at newjersey.mylicense.com.

Intellectual Property

All content on this Site, including text, graphics, logos, images, and software, is the property of Gregory Monaco, CPA LLC and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without prior written consent.

Testimonials & Reviews

These testimonials reflect individual client experiences and do not guarantee similar outcomes. Results vary based on each client's specific facts and circumstances. No client was compensated for providing a review. Tax savings and outcomes depend on individual tax situations and are not typical of all client experiences.

Media & Press Mentions

Greg Monaco was quoted or interviewed for editorial coverage. These mentions are not sponsored or paid placements.

AI Chatbot

This Site features AI-powered chat assistants (SAM and HASH) that provide general tax and accounting information. These assistants are powered by an on-server intent engine and are not human. Responses are AI-generated and may contain inaccuracies. The chatbot does not provide professional tax, legal, or financial advice. Use of the chatbot does not create a CPA-client relationship. You should not rely on chatbot responses as a substitute for professional consultation. Do not share sensitive personal information (including Social Security numbers, financial account numbers, or passwords) through the chatbot.

Limitation of Liability

To the fullest extent permitted by law, Gregory Monaco, CPA LLC shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of this Site or reliance on any information provided herein.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to conflict of law principles.

Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated effective date. Continued use of the Site after changes constitutes acceptance of the revised Terms.

Contact

Questions about these Terms should be directed to taxhelp@MonacoCPA.CPA or by calling (862) 320-9554.

Questions About Our Terms?

If you have any questions about these terms, your engagement, or how we protect your information, reach out directly.

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What Clients Say About Gregory Monaco, CPA LLC

"If you need a CPA or accountant in Livingston or Essex County, I highly recommend Greg at Monaco CPA. He always gets back to me the same day, handles everything himself, and offers flexible virtual meetings. Greg managed our personal taxes with great attention to detail and identified deductions we had previously overlooked."

- Tom M., Business Tax Client, Essex County NJ · 5 stars

"I've been working with Greg Monaco, CPA for a few years now, and he's honestly saved me real money with both personal tax help and crypto tax stuff. He answers quickly, breaks things down in a way that's easy to understand, and you can tell he actually cares about doing right by you."

- Dylan P., Individual & Crypto Tax Client · 5 stars

"Extremely professional, thorough, and organized from start to finish. He takes the time to explain everything clearly and make sure nothing gets overlooked. Communication is always timely, and the whole process feels effortless on my end. Truly a 5-star business."

- Ryan D., Individual Tax Client, New Jersey · 5 stars

"Greg was very professional in helping me with my taxes. He broke it down and explained all the details. He was very easy to communicate with. His tax planning and strategies helped me save money."