These Terms and Conditions (“Terms”) govern your access to and use of www.88fminc.com (the “Website”).
By accessing or using this Website, you acknowledge that you have read and agree to these Terms. If you do not agree with these Terms, please discontinue use of the Website.
1. About 88 Financial Management, Inc.
88 Financial Management, Inc. provides and/or facilitates professional services that may include:
- Bookkeeping and accounting support
- Insurance services
- Real estate services
- Business and financial consulting
- Other related professional services
Specific services may be provided through affiliated brands, separately operated websites, licensed professionals, brokers, agencies, insurance carriers, or other third parties.
The availability and terms of any service are subject to applicable laws, licensing requirements, separate agreements, and geographic restrictions.
2. Website for General Information Only
Information provided on this Website is intended for general informational purposes.
Nothing on this Website should be interpreted as individualized accounting, tax, legal, investment, financial, insurance, Medicare, or real estate advice.
You should consult an appropriately licensed or qualified professional regarding your individual circumstances before making financial, insurance, tax, legal, investment, healthcare, Medicare, or real estate decisions.
3. No Professional or Client Relationship
Accessing this Website, submitting an inquiry, sending an email, making a telephone call, or communicating with us through the Website does not by itself create an accountant-client, insurance agent-client, broker-client, real estate agent-client, fiduciary, advisory, or other professional relationship.
A professional relationship is established only when the parties have completed any required documentation and expressly agreed to the applicable engagement or service.
4. Insurance Information
Insurance information appearing on or linked from this Website is provided for general informational purposes only.
Insurance products, benefits, premiums, eligibility, underwriting, availability, coverage, exclusions, limitations, and terms vary by carrier, product, location, and individual circumstances.
Nothing on this Website constitutes a guarantee of coverage, eligibility, enrollment, benefits, premiums, or acceptance by an insurance carrier.
Coverage is subject to the actual terms, conditions, limitations, and exclusions of the applicable insurance policy, evidence of coverage, plan documents, or carrier contract.
5. Medicare and Health Insurance Information
Any Medicare or health insurance information provided through this Website is for educational and informational purposes unless expressly identified otherwise.
88 Financial Management, Inc. is not Medicare, Medicaid, the Social Security Administration, the Centers for Medicare & Medicaid Services, or any other federal or state government agency.
Availability of insurance products and plans may depend upon licensing, carrier appointments, geographic service areas, eligibility, and applicable enrollment periods.
Consumers should review official plan documents and applicable government information before making enrollment decisions.
6. Real Estate Information
Real estate information provided through this Website is for general informational purposes and is subject to change.
Property availability, pricing, rents, sales prices, financing information, property descriptions, market information, and other real estate information are not guaranteed unless specifically established in a written agreement.
Real estate transactions are subject to applicable contracts, disclosures, inspections, licensing requirements, and federal, state, and local laws.
Nothing on this Website constitutes a guarantee that a particular property, transaction, tenant, buyer, seller, or financing arrangement will be available or approved.
7. Bookkeeping and Accounting Information
Bookkeeping and accounting information provided through the Website is general in nature and should not be considered tax, legal, investment, or certified public accounting advice.
88 Financial Management, Inc. does not represent through this Website that it is acting as a certified public accounting firm unless expressly stated in a separate written engagement.
Clients should consult a CPA, tax professional, attorney, financial adviser, or other appropriately qualified professional when specialized advice is required.
8. Accuracy of Information
We make reasonable efforts to provide useful and accurate information. However, information may contain errors, omissions, or outdated material.
We do not warrant that Website content is complete, accurate, current, reliable, or suitable for any particular purpose.
We reserve the right to modify Website content at any time without notice.
9. Third-Party Websites and Services
The Website may contain links to independently operated third-party websites, including websites associated with bookkeeping, insurance, real estate, technology, government, or other services.
Links are provided for convenience and informational purposes.
88 Financial Management, Inc. does not control and is not responsible for the content, availability, security, privacy practices, products, services, representations, or policies of third-party websites.
Your use of a third-party website is governed by that website’s own terms and privacy policies.
10. Intellectual Property
Unless otherwise indicated, Website content, including text, graphics, logos, designs, images, page layouts, and other materials owned by 88 Financial Management, Inc. is protected by applicable copyright, trademark, and other intellectual property laws.
You may view or print Website materials for your personal, non-commercial use.
You may not reproduce, distribute, modify, republish, sell, license, publicly display, or commercially exploit our Website content without prior written permission, except as permitted by law.
Third-party names, logos, trademarks, and materials remain the property of their respective owners.
11. Acceptable Use
You agree not to:
- Use the Website for unlawful or fraudulent purposes
- Attempt to gain unauthorized access to the Website, servers, accounts, or systems
- Introduce malware, viruses, malicious code, or other harmful technology
- Interfere with the operation or security of the Website
- Scrape or systematically extract Website content without authorization
- Impersonate another person or entity
- Submit false, fraudulent, misleading, or unlawful information
- Use Website content in a manner that infringes intellectual property or other legal rights
We reserve the right to restrict access to the Website when we reasonably believe these Terms have been violated.
12. Electronic Communications
When you contact us electronically, you consent to receiving communications from us in response to your inquiry using the contact information you provide.
Submitting an inquiry does not automatically constitute consent to receive marketing telephone calls or text messages where separate consent is required by law.
Any marketing communications will be subject to applicable consent and opt-out requirements.
13. No Guarantee of Results
Statements regarding experience, services, capabilities, past transactions, or customer experiences do not constitute a promise or guarantee of future results.
Results depend upon individual circumstances and numerous factors outside our control.
14. Disclaimer of Warranties
To the fullest extent permitted by applicable law, the Website and its content are provided on an “as is” and “as available” basis.
88 Financial Management, Inc. makes no warranties, express or implied, regarding Website availability, accuracy, reliability, security, merchantability, fitness for a particular purpose, or non-infringement.
We do not guarantee that the Website will operate without interruption or error or that it will be free from viruses or other harmful components.
15. Limitation of Liability
To the fullest extent permitted by applicable law, 88 Financial Management, Inc., its officers, directors, employees, agents, representatives, and affiliates will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or relating to your use of, inability to use, or reliance upon this Website.
Nothing in these Terms is intended to exclude or limit liability that cannot lawfully be excluded or limited under applicable law.
16. Indemnification
To the extent permitted by law, you agree to indemnify and hold harmless 88 Financial Management, Inc. and its officers, directors, employees, representatives, and agents from claims, liabilities, damages, losses, and reasonable expenses resulting from your unlawful use of the Website or material violation of these Terms.
17. Privacy
Your use of this Website is also subject to our Privacy Policy.
Please review the Privacy Policy to understand how we collect, use, disclose, and protect personal information.
18. Governing Law
These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles.
Subject to applicable law, disputes relating to the Website or these Terms shall be brought in an appropriate state or federal court located in California.
19. Changes to These Terms
We may modify these Terms periodically.
Changes become effective when the revised Terms are posted on the Website unless otherwise stated.
The “Last Updated” date at the top of this page identifies the most recent revision.
Your continued use of the Website following the posting of revised Terms constitutes acceptance of those Terms to the extent permitted by applicable law.
20. Severability
If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will remain in effect to the fullest extent permitted by law.
21. Contact Information
Questions regarding these Terms and Conditions may be directed to:
88 Financial Management, Inc.
San Francisco, California
Email: info@88fminc.com
Telephone: (415) 839-4986
Website: www.88fminc.com