1. Acceptance of Terms

By accessing, browsing or using this website, you acknowledge that you have read, understood and agree to be bound by these Terms & Conditions and our Privacy Policy.

If you do not agree to these Terms & Conditions, please discontinue use of the website.

2. Eligibility

This website is intended for individuals who are at least 18 years old and legally able to enter into binding agreements. By using this website, you represent that you meet these requirements.

3. About Virtual CFO

Virtual CFO, operated by The CFO (“Virtual CFO,” “we,” “us,” or “our”), provides financial leadership, advisory, accounting, fundability, tax-readiness, financial infrastructure, business strategy and related business services.

Specific services provided to a client may vary and are governed by the applicable engagement agreement, service agreement, proposal, statement of work or other written agreement.

4. Website Information

Information provided through this website is intended for general informational and educational purposes. Website content may discuss financial concepts, business strategy, accounting, fundability, funding readiness, tax readiness, business growth and related topics.

Website information should not be considered individualized financial, accounting, tax, legal, investment, lending or fiduciary advice.

Although we make reasonable efforts to provide useful and accurate information, we do not guarantee that all website information will always be complete, current or error-free.

5. No Professional Relationship From Website Use

Visiting this website, submitting a form, requesting information, communicating with us or scheduling a consultation does not by itself create a professional, advisory, accounting, tax, fiduciary or client relationship.

A professional relationship is established only when Virtual CFO and the client enter into an applicable written engagement or service agreement.

6. No Guarantee of Results

Business, financial, tax, funding and growth outcomes depend on numerous factors outside our control. Virtual CFO does not guarantee any particular financial result, increase in revenue, profitability, business growth, tax result, financing approval, funding amount or other outcome.

Examples, projections, estimates, testimonials, case studies or discussions of potential results are provided for informational purposes and are not guarantees of future performance.

7. Funding & Capital Disclaimer

Virtual CFO may assist businesses with fundability, capital readiness, financial preparation, documentation, strategy, lender positioning and identifying potential funding resources.

8. Financial, Accounting, Tax & Legal Disclaimer

Information available through this website should not be relied upon as a substitute for professional advice tailored to your specific circumstances.

Where appropriate, you should consult qualified legal, tax, accounting, investment, insurance or other professionals regarding matters requiring specialized professional advice.

Unless expressly included in a written engagement agreement, Virtual CFO does not provide legal representation, investment advisory services, securities services or services requiring professional licensure not otherwise held or authorized.

9. User & Client Responsibilities

You are responsible for providing accurate, current, complete and timely information when submitting forms, requesting services or working with Virtual CFO.

You remain responsible for your business decisions and for determining whether information, recommendations, strategies or opportunities are appropriate for your business.

10. Consultations & Appointments

Consultation requests are subject to availability and acceptance. Scheduling or requesting a consultation does not guarantee that services will be offered or that a professional engagement will be established.

We may contact you using the information you provide to coordinate, confirm, reschedule or follow up regarding your consultation or requested services.

11. Payments, Fees & Service Agreements

Fees, payment terms, cancellation policies, refund provisions, scope of services, deliverables and other engagement-specific terms will be stated in the applicable proposal, invoice, engagement agreement, service agreement or other written arrangement.

If these website Terms & Conditions conflict with a signed client agreement, the signed client agreement will control with respect to the services covered by that agreement.

12. Email & SMS Communications

When you provide your email address or mobile telephone number and consent to receive communications, Virtual CFO may send administrative, transactional, appointment-related, service, follow-up, reminder and, where permitted, promotional communications by email or SMS.

13. Intellectual Property Rights

Unless otherwise stated, this website and its content, including text, graphics, logos, branding, designs, educational materials, frameworks, systems, processes and other materials, are owned by or licensed to Virtual CFO and are protected by applicable intellectual property laws.

You may use website content for your personal, non-commercial informational use only.

Without our prior written permission, you may not reproduce, republish, distribute, modify, sell, sublicense, scrape, commercially exploit or create derivative works from our website or its content.

14. Prohibited Uses

You agree not to use this website to:

• Violate any applicable law or regulation.
• Submit false, misleading, fraudulent or unlawful information.
• Impersonate another person or business.
• Attempt unauthorized access to the website, servers, systems or accounts.
• Introduce viruses, malware or other harmful technology.
• Interfere with or disrupt the operation or security of the website.
• Conduct denial-of-service or similar attacks.
• Use automated bots, spiders, scraping tools or similar technology to copy or extract website content without authorization.
• Use website content for unauthorized commercial purposes.

15. Third-Party Services & Links

Our website may contain links to or integrations with third-party websites, lenders, financial institutions, payment processors, scheduling tools, technology platforms and other service providers.

Virtual CFO does not control and is not responsible for the content, availability, terms, privacy practices, underwriting decisions, products or services of independent third parties.

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

16. Website Availability & Changes

We may update, modify, restrict, suspend or discontinue any portion of the website, its content or its functionality at any time.

We do not guarantee that the website or any particular feature will always be available, uninterrupted, secure or error-free.

17. Disclaimer of Warranties

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

Virtual CFO makes no warranties or representations, express or implied, regarding the availability, accuracy, completeness, reliability, security or suitability of the website or its content.

Nothing in these Terms & Conditions excludes warranties or rights that cannot legally be excluded under applicable law.

18. Limitation of Liability

To the fullest extent permitted by applicable law, Virtual CFO, The CFO and their owners, officers, employees, contractors, affiliates and service providers will not be liable for indirect, incidental, special, consequential, exemplary or punitive damages arising from or related to your use of, or inability to use, this website.

This includes, where permitted by law, losses relating to revenue, profits, business opportunities, goodwill, data or business interruption arising from website use.

Nothing in these Terms & Conditions is intended to exclude or limit liability that cannot legally be excluded or limited.

19. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless Virtual CFO, The CFO and their owners, officers, employees, contractors and affiliates from claims, liabilities, damages, losses or expenses arising from your unlawful use of the website, violation of these Terms & Conditions or infringement of another party's rights.

20. Governing Law

These Terms & Conditions and matters relating to this website shall be governed by and construed in accordance with the laws of the State of Texas, without regard to applicable conflict-of-law principles.

Any additional governing-law, venue, arbitration, mediation or dispute-resolution provisions contained in a signed client agreement will control for matters arising under that agreement.

21. Severability

If any provision of these Terms & Conditions is determined to be invalid, illegal or unenforceable, that provision will be limited or removed to the minimum extent necessary, and the remaining provisions will continue in full force and effect.

22. Waiver

Our failure to enforce any provision of these Terms & Conditions does not constitute a waiver of that provision or any other right available to us.

23. Entire Agreement Regarding Website Use

These Terms & Conditions and our Privacy Policy constitute the agreement between you and Virtual CFO regarding your use of this website.

Separate engagement agreements, service agreements, proposals or other written agreements may govern services provided to clients and will control with respect to those services.

24. Changes to These Terms

We may update these Terms & Conditions periodically to reflect changes to our website, services, business practices, technology or legal requirements.

When changes are made, the “Last Updated” date displayed on this page will be revised. Your continued use of the website following an update constitutes acceptance of the revised Terms & Conditions.

25. Contact Us