Effective Date: July 21, 2026

1. Agreement to Terms
By accessing or using this website, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use the site.

2. Professional Disclaimer
The content provided on this website is for general informational purposes only. Reading this website, submitting a contact form, or consuming our content does not establish a formal consulting, advisory, or fractional CFO relationship. Formal professional engagements are only established upon the execution of a separate, signed, written agreement. Any actions taken based upon the general information on this site are strictly at your own risk.

3. Intellectual Property Rights
All text, graphics, logos, layouts, and materials on this website are the intellectual property of Jeff Kaminski unless otherwise indicated. You may not reproduce, distribute, or use these materials for commercial purposes without explicit written consent.

4. Limitation of Liability
To the maximum extent permitted by applicable law, Jeff Kaminski shall not be liable for any indirect, incidental, consequential, or punitive damages arising out of your access to or use of the website. The site and all materials are provided on an "as-is" basis.

5. Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions.

6. Changes to Terms
We reserve the right to modify these Terms and Conditions at any time. Changes will be posted on this page, and your continued use of the site constitutes acceptance of the updated terms.