Clear Terms. Trusted Engagement

By accessing or using the website, client portal, or services provided by Stratum Financial Consultants ("Stratum," "we," "our," or "us"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and all applicable laws and regulations.

These Terms apply to all visitors, users, and clients who access our website, engage with our advisory services, or utilize any digital tools, including scheduling platforms, document submission systems, and secure client portals.

By using our services, you represent and warrant that:

• You are at least 18 years of age or the age of majority in your jurisdiction;
• You have the legal authority to enter into a binding agreement;
• You will use our services solely for lawful purposes and in compliance with all applicable regulations.

Stratum Financial Consultants provides professional services including, but not limited to, accounting, tax planning, tax preparation, financial advisory, and consulting services. All services are subject to the terms outlined herein and may be further governed by separate engagement agreements, which will take precedence in the event of any conflict.

We reserve the right to update, modify, or revise these Terms of Service at any time without prior notice. Changes will be effective upon posting to our website. Your continued use of the website or services after such updates constitutes your acceptance of the revised Terms.

Your use of this website, including submitting inquiries or scheduling consultations, does not establish a client, advisory, or fiduciary relationship with Stratum Financial Consultants. A formal professional relationship is established only upon execution of a signed engagement letter or service agreement.

By using our website or communicating with us electronically, you consent to receive communications from us electronically, including emails, notifications, and updates related to your inquiries or services. You agree that such electronic communications satisfy any legal requirement for written communication.

Our website may integrate or link to third-party platforms, including scheduling tools, payment processors, or secure client portals. Your use of such services is subject to their respective terms and policies, and Stratum Financial Consultants is not responsible for the practices or content of third-party providers.

While we implement industry-standard security measures to protect your information, you acknowledge that no system is completely secure. By using our website and services, you accept the inherent risks associated with electronic data transmission and agree to take appropriate precautions when sharing sensitive information.

All services provided by Stratum Financial Consultants are based on information supplied by the client and are intended for general advisory and compliance purposes. While we strive to provide accurate, timely, and reliable guidance, we do not guarantee specific financial, tax, or business outcomes.

Tax laws, regulations, and financial conditions are subject to change and may vary based on jurisdiction and individual circumstances. Clients are responsible for providing complete and accurate information and for notifying us of any changes that may impact their financial or tax position.

Our services do not constitute legal, investment advisory, or brokerage services unless explicitly stated in a separate written agreement. Clients are encouraged to consult with legal counsel or licensed investment professionals where appropriate.

To the fullest extent permitted by applicable law, Stratum Financial Consultants shall not be liable for any indirect, incidental, consequential, special, or punitive damages, including but not limited to loss of profits, business interruption, or loss of data, arising out of or related to the use of our website or services.

Our total liability for any claim arising out of or relating to our services shall be limited to the amount of fees paid by the client for the specific service giving rise to the claim.

We shall not be held responsible for delays, errors, or failures resulting from factors beyond our reasonable control, including but not limited to system outages, third-party service disruptions, or inaccuracies in information provided by clients or external sources.

Fees for services will be outlined in a separate engagement letter, proposal, or service agreement. Payment terms may vary depending on the nature and scope of services provided.

Unless otherwise agreed in writing:

• Payment is due upon receipt of invoice or as specified in the engagement agreement;
• Late payments may be subject to additional fees or suspension of services;
• Stratum Financial Consultants reserves the right to require advance payment or retainers for certain services.

Clients are responsible for all applicable taxes, processing fees, or charges associated with payment transactions. Payments processed through third-party providers are subject to their respective terms and security protocols.

All content on this website, including but not limited to text, graphics, logos, methodologies, processes, and proprietary materials, is the intellectual property of Stratum Financial Consultants and is protected by applicable copyright, trademark, and other intellectual property laws.

Clients and users are granted a limited, non-exclusive, non-transferable license to access and use the website for informational purposes only. No content may be copied, reproduced, distributed, modified, or used for commercial purposes without prior written consent from Stratum Financial Consultants.

Any deliverables, reports, or materials provided to clients during the course of an engagement are intended solely for the client's internal use unless otherwise agreed in writing.

These Terms of Service and any disputes arising out of or relating to the use of our website or services shall be governed by and construed in accordance with the laws of the United States and the applicable state in which Stratum Financial Consultants operates, without regard to conflict of law principles.

Any legal action or proceeding shall be brought exclusively in the appropriate state or federal courts within that jurisdiction, and users hereby consent to the personal jurisdiction and venue of such courts.

If you have any questions regarding these Terms of Service, please contact us at:

Stratum Financial Consultants Email: info@stratumfc.com