Terms of Service

Last updated : Jan 14, 2026

1. Introduction Welcome to The Financial Smith. These Terms of Service ("Terms") govern your use of our website (thefinancialsmith.com) and our financial consulting, stewardship, and systems architecture services (collectively, the "Services"). By accessing our website or engaging our firm, you agree to be bound by these Terms.

2. Nature of Services (Important) The Financial Smith provides strategic consulting, financial systems architecture, and bookkeeping oversight.

  • Not Legal or Tax Advice: While we work with tax data, we are not a law firm or a CPA firm performing public audits. Our services do not constitute legal or certified tax advice.

  • No Investment Advice: We provide financial stewardship and operational consulting. We do not provide specific investment advice regarding the purchase or sale of securities.

  • Results Not Guaranteed: Financial forecasting and strategy involve market variables beyond our control. We do not guarantee specific profit margins or growth percentages.

3. User Responsibilities

  • Data Accuracy: You represent that all financial data, bank records, and information you provide to us is accurate and complete. We build our strategies based on the data you provide; we are not responsible for errors resulting from inaccurate client data.

  • Account Security: If you use our client portal or AI tools, you are responsible for maintaining the confidentiality of your login credentials.

  • Authorized Use: You agree not to use our Services for any unlawful purpose, including money laundering or fraudulent financial reporting.

4. Intellectual Property

  • Our IP: All methodology, custom frameworks, website content, and "financial blueprints" created by The Financial Smith remain our intellectual property.

  • Your Data: You retain full ownership of your financial data. We claim no ownership over your bank records or internal numbers.

5. Payment & Billing Services are billed according to the specific proposal or engagement letter signed at the start of our partnership.

  • Consulting Fees: Invoices are due upon receipt unless otherwise specified.

  • Subscription Services: For ongoing fractional CFO or advisory services, payments may be processed automatically via our secure payment processor.

6. Third-Party Tools & AI Our "Tech-Enabled" services rely on third-party integrations (e.g., QuickBooks, Ramp, AI processors).

  • Availability: We are not responsible for outages or data breaches caused by third-party software providers.

  • AI Usage: You acknowledge that we use artificial intelligence tools to analyze data and generate insights. While we review outputs for accuracy, AI is a tool, not a replacement for human judgment.

7. Limitation of Liability To the fullest extent permitted by law, The Financial Smith shall not be liable for any indirect, incidental, or consequential damages (including lost profits or data) arising from your use of our Services. Our total liability for any claim shall not exceed the amount paid by you to us for the Services in the six (6) months preceding the claim.

8. Indemnification You agree to indemnify and hold harmless The Financial Smith and its employees from any claims or liabilities arising from your violation of these Terms or your misuse of financial data.

9. Governing Law & Dispute Resolution These Terms are governed by the laws of the State of Georgia. Any disputes shall be resolved first through mediation, and if necessary, through binding arbitration in Atlanta, Georgia.

10. Contact Us For questions regarding these Terms: The Financial Smith Atlanta, GA 30314 Email: support@thefinancialsmith.com