Terms of Service

Last Updated: 10/1/2025

Welcome to Apex Financial. By accessing or using our website, services, or products, you agree to be bound by these Terms of Service. Please read them carefully.

1. Services Provided

Apex Financial offers fractional accounting services, custom spreadsheet solutions, and related financial resources, including a newsletter. We are not a CPA firm and do not provide tax, legal, or investment advice.

2. Eligibility

You must be at least 18 years old to use our services. By engaging with us, you represent that you have the authority to bind yourself or the organization you represent.

3. Use of Website and Materials

You may use our website and resources for lawful purposes only.

Downloadable products, such as spreadsheets, are licensed for your personal or business use and may not be resold, redistributed, or shared without our written permission.

4. Payments and Refunds

For services: Payment terms will be agreed upon before work begins.

For digital products: All sales are final. Due to the nature of downloadable products, we do not offer refunds once a file has been delivered.

We reserve the right to suspend or terminate services for non-payment.

5. Disclaimer of Liability

Our services are provided on an “as is” basis.

We make no guarantees that our tools, spreadsheets, or recommendations will achieve specific business outcomes.

You are responsible for your own business decisions and compliance with laws and regulations.

6. Limitation of Liability

To the fullest extent permitted by law, Apex Financial shall not be liable for any indirect, incidental, or consequential damages arising from your use of our services, products, or website.

7. Privacy

Your use of our website and services is also governed by our Privacy Policy, which explains how we collect and protect your information.

8. Changes to These Terms

We may update these Terms of Service from time to time. Any changes will be posted here with an updated “Last Updated” date. Continued use of our services constitutes acceptance of the new terms.

9. Governing Law

These Terms are governed by the laws of the State of [Your State], without regard to conflict of law principles.

10. Contact Us

If you have questions about these Terms, please contact us at:

admin@apexfinancial.com