Terms of Service

These Terms of Service (“Terms”) constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“you”), and Financial Administration Co., LLC, a Delaware limited liability company doing business as Financial Administration Co. (“Financial Administration Co.,” “we,” “us,” or “our”), concerning your access to and use of the Financial Administration Co. website (the “Site”).

1. Agreement to Terms

   By accessing the Site, you agree that you have read, understood, and agreed to be bound by these Terms. If you do not agree with all of these Terms, you are expressly prohibited from using the Site and must discontinue use immediately.

2. The Site and Our Services

   The Site describes the services of Financial Administration Co. It is not itself a service. Our services are provided only under a separate client arrangement that sets out the agreed scope, fees, and responsibilities, and that arrangement governs any client relationship.

   Financial Administration Co. coordinates specialist relationships and the administrative work it has agreed to handle. Independent specialists provide their own professional advice and services and remain responsible for their work. Clients make the decisions and give the approvals that belong to them. Nothing on the Site is investment, legal, tax, accounting, or insurance advice.

3. Contact Form and Communications

   Contacting us through the Site, by email, or otherwise does not create a client relationship. Please do not send passwords, account numbers, identification documents, or other sensitive financial information through the contact form or by ordinary email. Where we need confidential information, we will explain an appropriate way to provide it. Our handling of personal information is described in our Privacy Policy.

4. Intellectual Property Rights

   Unless otherwise indicated, the Site is our proprietary property. All source code, databases, functionality, software, website designs, text, photographs, and graphics on the Site (collectively, the “Content”) and the trademarks, service marks, and logos contained therein (the “Marks”) are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws. The photograph of open water used on the Site is by JM Lova and is used under the Unsplash License.

5. User Representations

   By using the Site, you represent and warrant that: (1) any information you submit will be true, accurate, current, and complete; (2) you have the legal capacity and agree to comply with these Terms; (3) you are not a minor in the jurisdiction in which you reside; and (4) you will not access the Site through automated or non-human means, whether through a bot, script, or otherwise.

6. Prohibited Activities

   You may not access or use the Site for any purpose other than that for which we make it available. Prohibited activity includes:

   • Systematically retrieving data or other content from the Site to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.
   • Tricking, defrauding, or misleading us or others, including impersonating Financial Administration Co. or any of its people, or attempting to obtain another person’s sensitive information.
   • Circumventing, disabling, or otherwise interfering with security-related features of the Site.
   • Engaging in unauthorized framing of or linking to the Site.

7. Informational Purpose Only

   The Site and all Content made available through it are provided solely for general informational purposes. Nothing on the Site constitutes, or should be construed as, an offer to provide services, a recommendation, a commitment, a guarantee, or a solicitation to buy or sell any security, product, or service.

8. No Reliance

   You acknowledge and agree that you have not relied, and will not rely, on any information, descriptions, illustrations, or statements on the Site in making financial, investment, legal, tax, insurance, or other decisions. Such decisions should be made with appropriately qualified professionals who know your circumstances. Any reliance on the Site or its Content is strictly at your own risk.

9. No Guarantees or Assurances

   The Site does not provide any guarantees, assurances, warranties, or representations, express or implied, regarding outcomes, results, availability, accuracy, or completeness. The Site and its Content are provided on an “as is” and “as available” basis.

10. Third-Party Websites

    The Site contains links to websites operated by others, including the Client Portal sign-in. Those websites are provided for convenience, are governed by their operators’ own terms and privacy policies, and are not controlled by Financial Administration Co. We are not responsible for their content, availability, or security.

11. Limitation of Liability

    In no event will we or our directors, employees, or agents be liable to you or any third party for any direct, indirect, consequential, exemplary, incidental, special, or punitive damages, including lost profit, lost revenue, loss of data, or other damages arising from your use of the Site, even if we have been advised of the possibility of such damages. Nothing in these Terms limits any obligation set out in a separate client arrangement.

12. Indemnification

    You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising out of: (1) your use of the Site; (2) your breach of these Terms; or (3) any breach of your representations and warranties set forth in these Terms.

13. Governing Law

    These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict-of-law principles. You irrevocably consent that the state and federal courts located in the State of Delaware shall have exclusive jurisdiction to resolve any dispute arising in connection with these Terms.

14. Changes to These Terms

    We may update these Terms from time to time. The updated version will be indicated by an updated “Last updated” date and will be effective as soon as it is accessible. Your continued use of the Site after that date constitutes acceptance of the updated Terms.

15. Contact Us

    To resolve a complaint regarding the Site or to receive further information regarding its use, please email [email protected] or write to us through our contact page.