Terms & Conditions

Article I — Acceptance of Terms

BY ENGAGING THE SERVICES OF PEARL FINANCIAL PARTNERS, OR BY ACCESSING, BROWSING, OR OTHERWISE USING THIS WEBSITE, YOU UNEQUIVOCALLY ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREED TO BE BOUND BY THESE TERMS AND CONDITIONS IN THEIR ENTIRETY. IF YOU DO NOT AGREE TO THESE TERMS, YOU ARE EXPRESSLY PROHIBITED FROM USING THIS WEBSITE OR OUR SERVICES, AND YOU MUST DISCONTINUE ALL USE IMMEDIATELY.

Your continued engagement of our services constitutes a legally binding affirmation of your acceptance. No partial or qualified acceptance of these terms shall be deemed valid; acceptance must be complete and unconditional.

Article II — Scope & Nature of Services

Pearl Financial Partners provides bookkeeping, accounting, tax planning, business advisory, and bespoke financial solutions. All services are rendered on a professional engagement basis, scoped in a separate written agreement that governs the specific deliverables, cadence, and fees applicable to your matter.

Pricing ranges displayed on this website are illustrative tiered estimates only and do not constitute a binding offer. The actual fee for any engagement is determined solely by the written agreement executed between you and Pearl Financial Partners. 'Financial Solutions' engagements are quoted exclusively after a confidential consultation.

Article III — No Professional Advice or Fiduciary Warranty

Information provided on this website is for general informational purposes and does not constitute legal, tax, accounting, or investment advice. No fiduciary, advisory, or professional relationship is created by your use of this website alone. A professional relationship arises ONLY upon execution of a written engagement agreement.

You acknowledge that financial and tax outcomes depend on facts, circumstances, and regulatory conditions unique to your situation, many of which are outside our control. We do not guarantee any specific financial result, tax liability outcome, or return on investment.

Article IV — Client Responsibilities & Representations

You represent and warrant that all information, documentation, and records you provide to Pearl Financial Partners are true, accurate, complete, and lawful. You bear sole responsibility for the accuracy and completeness of all source data you supply.

You agree to provide timely access to all records reasonably necessary for the performance of engaged services. Delays, omissions, or inaccuracies in your provided information may affect the accuracy and timeliness of our work, and Pearl Financial Partners shall bear no liability arising therefrom.

Article V — Fees, Billing & Payment

All fees are due and payable in accordance with the terms set forth in your written engagement agreement. Unless otherwise stated, invoices are due upon receipt. Overdue balances may accrue interest at the maximum rate permitted by applicable law.

Pearl Financial Partners reserves the right to suspend or terminate services for accounts in default without prior notice. All fees are non-refundable except as expressly provided in writing. You agree to reimburse any reasonable collection costs incurred to recover outstanding balances.

Article VI — Confidentiality

Pearl Financial Partners treats all client information with strict confidentiality and maintains safeguards consistent with the sensitivity of financial data. We will not disclose your information except as required by law, as necessary to deliver engaged services, or with your express written consent.

Notwithstanding the foregoing, you acknowledge that we may be compelled by valid legal process, court order, or regulatory authority to disclose information, and you agree not to hold Pearl Financial Partners liable for any such mandated disclosure.

Article VII — Intellectual Property

All content on this website — including but not limited to text, graphics, logos, imagery, design, and the 'Pearl Financial Partners' name and marks — is the exclusive property of Pearl Financial Partners and is protected by applicable intellectual property laws. No content may be reproduced, distributed, or used commercially without our prior written consent.

Deliverables prepared for you under an engagement are licensed to you for your internal business use upon full payment of all applicable fees. Until full payment, all such deliverables remain the property of Pearl Financial Partners.

Article VIII — Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, PEARL FINANCIAL PARTNERS, ITS PARTNERS, EMPLOYEES, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATED TO THE SERVICES OR THIS WEBSITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Our aggregate liability for any claim arising from services performed shall not exceed the total fees actually paid by you to Pearl Financial Partners for the specific engagement giving rise to the claim. This limitation is a material basis of the bargain between the parties.

Article IX — Indemnification

You agree to indemnify, defend, and hold harmless Pearl Financial Partners, its partners, employees, and affiliates from and against any and all claims, liabilities, damages, losses, and expenses — including reasonable attorneys' fees — arising out of or in any way connected with: (a) your breach of these Terms; (b) your misuse of our services or website; or (c) the inaccuracy or incompleteness of information you provided.

This indemnification obligation survives the termination of any engagement and the conclusion of any services rendered.

Article X — No Warranty

THIS WEBSITE AND ALL SERVICES ARE PROVIDED ON AN 'AS IS' AND 'AS AVAILABLE' BASIS. PEARL FINANCIAL PARTNERS DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT OUR SERVICES WILL BE ERROR-FREE, UNINTERRUPTED, OR FREE OF HARMFUL COMPONENTS.

Article XI — Governing Law & Dispute Resolution

These Terms and any dispute arising out of or relating to them or to our services shall be governed by and construed in accordance with the laws of the jurisdiction in which Pearl Financial Partners is established, without regard to its conflict of law principles.

Any dispute, claim, or controversy shall first be submitted to good-faith negotiation. If unresolved within thirty (30) days, the dispute shall be resolved by binding arbitration before a single arbitrator, with judgment thereon enforceable in any court of competent jurisdiction. You expressly waive any right to a jury trial or to participate in a class action.

Article XII — Termination

Pearl Financial Partners may terminate or suspend any engagement or your access to this website at any time, with or without cause, and without prior notice. Upon termination, all outstanding fees become immediately due and payable.

Provisions of these Terms that by their nature should survive termination — including but not limited to Articles V, VI, VIII, IX, and XI — shall survive and remain in full force and effect.

Article XIII — Modifications

Pearl Financial Partners reserves the right to modify these Terms at any time. Material modifications will be effective upon posting of the revised Terms on this website. Your continued use of our services or website following any modification constitutes your binding acceptance of the revised Terms. It is your responsibility to review these Terms periodically.

Article XIV — Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to render it enforceable, and all remaining provisions shall continue in full force and effect.

Article XV — Entire Agreement

These Terms, together with any written engagement agreement executed between you and Pearl Financial Partners, constitute the entire agreement between the parties with respect to the subject matter herein and supersede all prior or contemporaneous understandings. No oral statement or prior course of dealing shall modify these Terms.

For any inquiry regarding these Terms, contact Pearl Financial Partners at Billing@Pearlfinancialpartners.com or (208) 441-8070.