H&R Block
- The policy allows AI training; it does not describe an opt-out.
- The documents do not say whether your data is used for ads.
- The documents do not say whether your data is sold or shared.
- The documents do not say who can read your content.
Using the site binds you to undated terms: they can close accounts anytime, use AI chats to improve systems, and Missouri courts apply.
Agent Trust Hub uses AI and may make mistakes. Review reports and confirm their contents before relying on them.
- Uses your content for AI training with no opt-out
Collected
These terms do not list what personal data they collect; they point you to a separate Privacy Notice.
Read the exact line
Terms of service
“To view our entire Privacy Notice, click the link below. This notice may be updated periodically, so please check back frequently.”
Training
What you type into chatbots may be used to reply, personalize, and improve their services and related technologies.
Read the exact line
Terms of service
“Any information, content, or data you submit to or through Automated Systems may be used to generate responses, personalize interactions, and improve our services, platforms, and related technologies.”
Sharing
They may keep and share user posts if they think the law or safety requires it; ads and vendors are not detailed here.
Read the exact line
Terms of service
“You acknowledge that we may preserve and disclose User Content if required to do so by law or we believe in good faith that such preservation or disclosure is reasonably necessary to comply with legal process”
Kept
The documents do not say how long they keep your data or how to delete it in the app.
Read the exact line
Terms of service
“We are not responsible for deletion of data, timeliness of services, or the failure to store any of your data or personalization settings.”
Controls
You can stop SMS by texting STOP; there is no described switch to keep AI chats out of improvement.
Read the exact line
Terms of service
“You can cancel text messaging at any time by replying “STOP” to the most recent text message you received.”
Fine print
They can close your account anytime, change rules by posting, and you must sue in Missouri courts.
Read the exact line
Terms of service
“We may, in our sole discretion, terminate your password, account (or any part thereof) or use of the Website at any time and for any or no reason.”
Expand “Read the exact line” to see the source alongside the explanation.
What you can turn off
The controls and opt-outs their own documents describe, and where they say to find them.
Read the separate Privacy Notice
Link labeled View Privacy Notice on the Terms of Use page
Stop promotional or status texts
Reply STOP to the most recent text; cancel each message type separately
Do not use the site if under 13
Stated in Terms of Use (age rule)
If a switch is not where they say, the deletion request above still applies.
Line by line
The lines that matter most, worst first.
What you type into their chatbots can be used to run the bot and to improve their systems. They do not describe a way to turn that off.
Read the exact line
Terms of service
“Any information, content, or data you submit to or through Automated Systems may be used to generate responses, personalize interactions, and improve our services, platforms, and related technologies.”
For example, a question you ask a tax chatbot could be used later to train or improve their tools.
They can shut your account without warning and without needing a reason.
Read the exact line
Terms of service
“We may, in our sole discretion, terminate your password, account (or any part thereof) or use of the Website at any time and for any or no reason.”
For example, you could lose website access in the middle of tax season with no notice.
If they post new terms, keeping using the site means you are bound by the new rules. They do not promise to email you first.
Read the exact line
Terms of service
“Your subsequent use of the Website, or any content, products, services or materials provided through the Website, will be subject in all respects to the terms of service in force at the time of such subsequent use.”
For example, they could add new AI rules and you would accept them just by logging in again.
If the chatbot is wrong, they say they are not responsible.
Read the exact line
Terms of service
“We make no representations or regarding the accuracy, completeness, or suitability of any output generated by artificial intelligence–powered features, and we disclaim any arising from your use of such features to the fullest extent permitted by law.”
For example, if an AI assistant gives a bad tax hint and you follow it, they say that is on you.
If they kick you off, you must stop using anything you got from the site and destroy copies.
Read the exact line
Terms of service
“If your status as a user of this Website is terminated, you will (i) stop using the Website and any information obtained from the Website, and (ii) destroy all copies of your account information, password and any information obtained from this Website.”
For example, after a ban they expect you to delete saved pages or account details from the site.
If you sue, you have to do it in Jackson County, Missouri, not your home court.
Read the exact line
Terms of service
“Any legal action or proceeding between H&R Block and you related to this Agreement will be brought exclusively in a federal or state court of competent sitting in the State of Missouri, County of Jackson.”
For example, a user in California would still have to go to Missouri court over these website terms.
Kids under 13 are not allowed. They do not describe ID checks, only the rule.
Read the exact line
Terms of service
“If you are under the age of 13, you may not use this Website.”
For example, a 12-year-old is told not to use the site, but the terms do not say how they check age.
Chatbots are not a substitute for a real tax pro. You still have to check the answers.
Read the exact line
Terms of service
“Automated Systems are provided for informational or convenience purposes only and do not constitute professional, legal, financial, or tax advice.”
For example, you should not file based only on a chatbot reply without checking it.
If you opted into texts, you can stop them by texting STOP.
Read the exact line
Terms of service
“You can cancel text messaging at any time by replying “STOP” to the most recent text message you received.”
For example, reply STOP to a refund-status text to turn that message type off.
You only get a narrow right to view and print site content for personal use, not to copy it elsewhere.
Read the exact line
Terms of service
“We grant you a personal, limited, revocable, non-transferable and non-exclusive license to display on your computer, print, download and use screen displayed text, audio clips, video clips and other such content”
For example, you may print a help page for yourself but not put it on your own website.
Words to know
Legal words from the lines above, in plain English.
- warranty
- A promise that a product will work as described; most apps say they make no such promise at all. For example, if a paid feature never works on your phone, a no-warranty clause says that is your problem.
- inputs and outputs
- Inputs are what you type, say or upload to an AI; outputs are what it gives back to you. For example, the question you ask a chatbot is an input and its answer is an output, and both may be stored.
- limitation of liability
- A cap on what the company will ever pay you if something goes wrong, often only what you paid in the last year. For example, if a leak of your data costs you thousands, the most you may get back is a month's subscription fee.
- governing law
- Which country's or state's laws are used to settle any dispute, no matter where you live. For example, a user in Ohio may find the terms are judged under California law.
How we got here · grade F · score 20/100 · 15 of 15 policy answers backed by a verified quote · 10 not stated
What does the app collect beyond what it needs to work?
Not stated in the documents.
Does it record your voice, face or body, and what happens to that?
Not stated in the documents.
Are your chats and uploads used to train AI models, and is that off by default?
They say data you submit through automated systems may be used to improve services, platforms, and related technologies, with no opt-out described.
Can employees or contractors read your conversations, and when?
Not stated in the documents.
Are you profiled or tracked for advertising?
Not stated in the documents.
Do they sell or share your data, and can you opt out?
Not stated in the documents.
What rights do they take over what you type and what the AI makes?
Not stated in the documents.
How long do they keep your data after you delete it, and can you delete it in the app?
Not stated in the documents.
Does it build a lasting memory or profile of you, and can you see, edit or turn it off?
Not stated in the documents.
Do they commit to basic security, and have they leaked data?
Not stated in the documents.
Is there a real age gate, and are teens protected?
They say if you are under 13 you may not use the website. They do not describe age checks.
Will they tell you when the rules change, and is the policy specific?
They may post new terms; later use of the site is under the new terms. The document has no update date.
Can they close your account without warning, and can you get your data out first?
They may end your password, account, or use of the site at any time for any or no reason, and they are not liable for that.
If something goes wrong, who pays?
They disclaim warranties and liability for AI output to the fullest extent the law allows, and they are not responsible for deleted data.
Do subscriptions renew on their own, and can you get a refund?
Not stated in the documents.
The terms are 8,880 words at a college level.
