Website Terms of Use

The Website provides general information about ProFinanceAdvice, our services, and the types of business and financial questions we may assist with. It also allows visitors to contact us regarding potential engagements.

The Website and the services described on it are intended primarily for business, commercial, and professional purposes.

If you access or use the Website on behalf of a business or other organization, you represent that you are authorized to act on its behalf.

These Terms govern your access to and use of the Website only. They do not govern professional services provided by ProFinanceAdvice to its clients.

Client services are governed by the applicable proposal, engagement agreement, statement of work, or other written agreement between ProFinanceAdvice and the client.

A professional engagement begins only after ProFinanceAdvice and the client have agreed in writing to the applicable scope of work, deliverables, fees, timing, and other engagement terms.

Submission of a contact form, exchange of preliminary communications, or receipt of information from ProFinanceAdvice does not create a client, advisory, fiduciary, or other professional relationship.

If these Terms conflict with a written agreement governing client services, that written agreement will control with respect to those services.

Information presented on the Website is general in nature and does not constitute individualized financial, accounting, tax, legal, investment, securities, or other professional advice.

Business and financial decisions depend on facts and circumstances that may not be reflected in general Website content. You should not make a material business, financial, legal, tax, or investment decision based solely on information available through the Website.

ProFinanceAdvice does not guarantee any particular business result, financial performance, financing outcome, investment result, or other outcome based on information presented on the Website.

Any financial projections, forecasts, models, scenarios, calculations, illustrations, or examples presented on the Website are based on assumptions that may not occur and are provided for illustrative or informational purposes only.

Actual results may differ from projected, modeled, or estimated results due to changes in business conditions, market conditions, assumptions, costs, revenues, timing, financing, or other factors.

ProFinanceAdvice provides business finance consulting services, including financial analysis, financial modeling, forecasting, business planning, performance analysis, and strategic finance support.

Our work supports business planning and management decisions. We do not provide public accounting services, audit or assurance services, legal or tax advice, investment advice regarding securities, securities brokerage, or lending services.

Financial models and materials prepared for funding discussions are intended to help clients explain their business plans and financial needs. We do not act as a broker, place securities, arrange loans, or guarantee financing.

We do not hold ourselves out as a certified public accounting firm, law firm, investment adviser, broker-dealer, or lender. Work requiring a professional license or regulatory registration that we do not hold is outside the scope of our services and should be handled by an appropriately licensed or registered professional.

We make reasonable efforts to provide useful and accurate information. However, we do not guarantee that Website content will always be complete, current, accurate, or free from errors.

Business conditions, financial practices, laws, regulations, market conditions, and other information may change over time.

We may modify, update, suspend, or remove Website content or functionality at any time without prior notice.

When you submit information through the Website, you represent that the information you provide is accurate to the best of your knowledge and that you are authorized to provide it.

Please do not submit passwords, login credentials, Social Security numbers, full payment card information, banking credentials, or other highly sensitive information through the Website contact form.

If information is subject to confidentiality obligations owed to another person or organization, you are responsible for ensuring that you are authorized to disclose it.

If your inquiry involves information requiring special confidentiality protections, appropriate arrangements should be made before highly sensitive or proprietary information is shared.

Personal information submitted through or collected in connection with the Website is handled as described in our Privacy Policy.

You may use the Website only for lawful purposes.

You may not:

• use the Website in violation of applicable law or regulation;
• attempt to gain unauthorized access to the Website, its systems, or related infrastructure;
• interfere with the operation, security, or availability of the Website;
• introduce malware, malicious code, or other harmful technology;
• impersonate another person or misrepresent your identity or authority;
• use automated means to access, scrape, extract, or reproduce Website content in a manner that places an unreasonable burden on the Website or is intended for unauthorized commercial exploitation;
• copy, reproduce, modify, distribute, republish, or commercially exploit Website content without authorization; or
• use the Website in a manner that infringes the rights of ProFinanceAdvice or any third party.

Ordinary indexing of publicly available Website content by legitimate search engines is permitted.

Unless otherwise indicated, the Website and its content, including text, graphics, design elements, branding, logos, photographs, illustrations, and other materials, are owned by or licensed to ProFinanceAdvice and are protected by applicable intellectual property laws.

You may view and use Website content for your own informational or internal business purposes.

No ownership or intellectual property rights are transferred to you through your use of the Website.

Any other reproduction, modification, publication, distribution, commercial use, or creation of derivative works requires prior written permission from ProFinanceAdvice or the applicable rights holder.

The Website may contain links to websites, resources, or services operated by third parties.

These links are provided for convenience or informational purposes. ProFinanceAdvice does not control third-party websites and is not responsible for their content, availability, security, privacy practices, or terms.

The inclusion of a link does not necessarily imply endorsement of the third party or its products or services.

Your use of third-party websites and services is subject to their own terms and policies.

To the fullest extent permitted by applicable law, the Website and its content are provided on an “as is” and “as available” basis.

ProFinanceAdvice makes no warranties, express or implied, regarding the operation or availability of the Website or the accuracy, completeness, reliability, or suitability of its content.

We do not warrant that the Website will be uninterrupted, error-free, secure, or free from harmful components.

Nothing in these Terms excludes or limits any warranty, right, or protection that cannot legally be excluded or limited.

To the fullest extent permitted by applicable law, ProFinanceAdvice LLC and its owners, officers, employees, contractors, and representatives will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or relating to your use of, inability to use, or reliance on the Website or its content.

ProFinanceAdvice is not responsible for business, financial, investment, legal, tax, or other decisions made solely in reliance on general information presented on the Website.

This limitation applies only to matters arising from or relating to the Website and does not replace any limitation of liability or other terms contained in a separate written agreement governing client services.

Nothing in these Terms limits or excludes liability that cannot legally be limited or excluded under applicable law.

We may modify, update, suspend, or discontinue any part of the Website at any time.

We may also update these Terms from time to time to reflect changes to the Website, our practices, or applicable requirements.

When these Terms are updated, the “Last Updated” date at the top of this page will be revised.

Unless otherwise stated, updated Terms become effective when they are posted on the Website.

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles, except where applicable law requires otherwise.

To the extent a dispute relating solely to these Terms or use of the Website is subject to judicial resolution, it may be brought before a court of competent jurisdiction in California, subject to applicable law.

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will continue in full force and effect to the extent permitted by law.

These Terms, together with the Privacy Policy, govern general use of the Website.

They do not replace or modify any separate proposal, engagement agreement, statement of work, confidentiality agreement, or other written agreement entered into between ProFinanceAdvice and a client.

If you have questions about these Terms of Use, please use our Legal Request form.