Terms of Service | Real Financial & Consulting

Last updated: April 5, 2025

These Terms of Service ("Terms") govern your use of the website real-financial-consulting.com and the services provided by Real Financial & Consulting ("we," "us," or "our"). By accessing our website or engaging our services, you agree to these Terms.

Services Overview

Real Financial & Consulting provides financial planning, tax strategy, business consulting, retirement planning, risk management, and related advisory services. Our services are informational and advisory in nature and should not be construed as legal, accounting, or investment advice unless explicitly stated in a separate engagement agreement.

Important Disclaimer: The information provided on this website and through our consultations is for general informational and educational purposes. It does not constitute specific financial, tax, legal, or investment advice tailored to your individual circumstances. Always consult with appropriate licensed professionals for specific advice.

Use of Website

You agree to use our website for lawful purposes only. You may not:

Use the website in any way that violates applicable laws or regulations
Attempt to gain unauthorized access to any part of the website
Transmit any harmful, offensive, or disruptive content
Use automated systems to access or scrape the website without our consent

Engagement & Fees

Specific services, scope of work, fees, and payment terms will be outlined in a separate engagement agreement or proposal before work begins. Our initial consultation is complimentary and carries no obligation.

Fees are agreed upon in writing before services commence
Payment terms are specified in individual engagement agreements
We reserve the right to modify our fee schedule with reasonable notice

Client Responsibilities

When engaging our services, you agree to:

Provide accurate and complete information relevant to the services requested
Notify us promptly of any changes to your financial situation that may affect our advice
Make timely payments as outlined in your engagement agreement
Review and understand the materials and recommendations we provide

Confidentiality

We treat all client information with strict confidentiality. Information shared during the course of our engagement will not be disclosed to third parties except:

With your explicit written consent
As required by law, regulation, or court order
To trusted service providers bound by confidentiality obligations who assist in delivering our services

SMS/Text Message Terms

If you opt in to receive SMS/text messages from Real Financial & Consulting:

You consent to receive text messages related to your inquiry, account, appointments, and service updates
Message frequency varies based on your interactions and needs
Message and data rates may apply based on your mobile carrier plan
You may opt out at any time by replying STOP to any message
Reply HELP for assistance or contact paul@real-financial-consulting.com
We do not sell, rent, or share your mobile phone number or SMS opt-in information with third parties for marketing purposes
Mobile carriers are not liable for delayed or undelivered messages
SMS consent is not a condition of purchase of any goods or services

Intellectual Property

All content on this website — including text, graphics, logos, and design — is the property of Real Financial & Consulting and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

Limitation of Liability

To the fullest extent permitted by law:

Our services are provided "as is" without warranties of any kind, express or implied
We shall not be liable for any indirect, incidental, special, or consequential damages arising from the use of our website or services
Our total liability shall not exceed the fees paid by you for the specific services giving rise to the claim
Financial decisions are ultimately your responsibility; our advice is one input among many you should consider

Indemnification

You agree to indemnify and hold harmless Real Financial & Consulting, its owner, and affiliates from any claims, damages, or expenses arising from your use of our website, violation of these Terms, or misrepresentation of information provided to us.

Termination

Either party may terminate an engagement relationship with written notice, subject to the terms of any active engagement agreement. We reserve the right to refuse or discontinue services at our discretion. Upon termination:

Any outstanding fees for services rendered remain due
Client materials will be returned or securely destroyed upon request
Confidentiality obligations survive termination

Governing Law

These Terms are governed by the laws of the State of Ohio, United States. Any disputes arising from these Terms or our services shall be resolved in the courts of the State of Ohio.

Changes to These Terms

We may update these Terms from time to time. Changes will be posted on this page with an updated "Last updated" date. Continued use of our website or services after changes constitutes acceptance of the revised Terms.

Contact Us

If you have questions about these Terms of Service, please contact:

Real Financial & Consulting
Paul Graves
Email: paul@real-financial-consulting.com
Ohio, United States