Terms of Service

These Terms of Service ("Terms") govern your use of the Abel Consulting Group ("ACG," "we," "us," or "our") website and services purchased directly through the website, including paid consultations.

By using this website or purchasing a service through it, you agree to these Terms.

1. Professional Services

ACG provides independent consulting and advisory services focused on corporate treasury, banking, payments, cash management, financial operations, and related business matters.

The specific nature of a consultation or other service depends on the question, information, and circumstances presented by the client.

Professional engagements extending beyond services purchased directly through the website may be governed by a separate proposal, statement of work, engagement agreement, or other written terms.

2. Initial Consultations

ACG currently offers a paid initial consultation consisting of a focused 30-minute advisory session.

The consultation fee is $500 and must be paid at the time of booking for the appointment to be confirmed.

The consultation is a standalone professional service. Clients are not required to purchase additional services.

If ACG and the client subsequently agree to a larger professional engagement initiated within 90 days of the consultation, the $500 consultation fee may be credited against the first invoice for that engagement as described on the website or in the applicable engagement documentation.

3. Cancellation and Rescheduling

Consultation cancellations, refunds, and rescheduling are governed by ACG's Cancellation & Refund Policy, which is incorporated into these Terms by reference.

By booking a consultation, you acknowledge and agree to that policy.

4. Nature of Advisory Services

ACG provides treasury, payments, banking, financial-operations, and business advisory services.

Unless expressly agreed otherwise in writing, ACG does not provide legal advice, tax advice, audit or attestation services, investment advice, brokerage services, or regulated banking services.

Clients should consult appropriately qualified legal, tax, accounting, investment, compliance, or other professionals when those disciplines are implicated by a decision.

5. Client Responsibility

ACG's role is advisory.

Clients remain responsible for evaluating recommendations and making their own business, financial, operational, legal, and strategic decisions.

Treasury and payments decisions frequently depend on facts, systems, banking arrangements, laws, regulations, contractual provisions, and organizational circumstances that may change or may not be known to ACG.

You are responsible for providing information that is reasonably accurate and complete for the question or engagement presented.

6. No Guarantee of Outcome

ACG does not guarantee any particular financial, operational, commercial, regulatory, banking, or other outcome.

Recommendations represent professional judgment based on the information available at the time and the scope of the engagement.

Banks, payment providers, counterparties, regulators, governmental authorities, and other third parties make their own decisions and may impose requirements outside ACG's control.

7. Independence

ACG operates as an independent adviser.

Unless specifically disclosed otherwise, ACG does not accept referral fees, kickbacks, or compensation from banks or payment providers in exchange for recommending their products or services.

A recommendation or professional introduction does not constitute a guarantee or endorsement of a third party's performance.

8. Confidentiality

ACG recognizes that effective advisory work may require clients to share confidential business information.

ACG will use reasonable care in handling nonpublic information provided in connection with an engagement and will use such information for purposes related to providing the requested services, administering the engagement, or complying with applicable obligations.

More specific confidentiality obligations may be established through a separate nondisclosure agreement or engagement agreement.

9. Client Materials and Authority

You retain ownership of materials you provide to ACG.

By providing information, documents, images, or other materials, you represent that you have the authority to provide them and to authorize ACG to use them for the requested service.

You should not provide ACG with information that you are not authorized to disclose.

10. Signature Specimen and Document Services

When requesting services involving identification documents, signatures, or documents belonging to another individual, the client represents that the client has appropriate authority to possess, provide, and request processing of those materials.

ACG's provision of document-processing or signature-specimen services does not independently verify the identity, authority, authenticity, or legal effectiveness of a signature, document, or signatory unless expressly agreed otherwise in writing.

11. Intellectual Property

The ACG website, branding, original written materials, methodologies, templates, and other ACG-created content are owned by ACG or its licensors and may not be reproduced or commercially exploited without permission.

Ownership and permitted use of custom deliverables created during a separately scoped professional engagement may be addressed in the applicable engagement agreement or statement of work.

12. Third-Party Services

ACG may use or link to third-party services, including scheduling, payment processing, videoconferencing, banking, payments, and other technology providers.

ACG is not responsible for outages, errors, security incidents, policies, decisions, or performance of independent third-party services outside ACG's reasonable control.

13. Website Information

General information published on the ACG website is provided for informational purposes and does not, by itself, constitute individualized professional advice.

Merely visiting the website, submitting a general inquiry, or reading website content does not create a consulting or advisory relationship.

A paid consultation confirmed through ACG's booking process does create an agreement for ACG to provide that consultation subject to these Terms.

14. ACG Client Portal

If you use the ACG client portal, the following terms also apply to your use of it. A separate written agreement with your organization governs where it conflicts with this section.

• Accounts. You may access the portal by creating an organization, by invitation from an existing organization, or through an approved access request. You are responsible for activity under your account and must not share your access with others.
• Registry and provider information. Entity information in the portal is retrieved from public government registries and third-party business-information providers. It is provided as received from those sources, may be incomplete, delayed, or out of date, and is not legal verification of an entity's status, ownership, or authority. You should confirm information with the official source before relying on it for a legal, financial, or compliance decision.
• Permitted use. You may use portal information only for your organization's own business purposes, such as identifying, verifying, and maintaining records of entities it owns or deals with. You must not resell or redistribute portal data in bulk, use it for marketing to the individuals named in it, or use automated means to extract data from the portal.
• Personal information in public records. Registry information can include details about individuals, such as company officers, directors, and registered agents. You are responsible for handling any such information you obtain through the portal in accordance with applicable data protection law.
• UK public sector information. Information the portal obtains from Companies House contains public sector information licensed under the Open Government Licence v3.0. That licence does not cover personal data, such as the names of company officers, which remains subject to applicable data protection law.
• Availability. The portal depends on third-party registries and providers, and some information may be temporarily unavailable. ACG may suspend access to protect the security or integrity of the portal or to comply with a provider's or registry's terms.

15. Limitation of Liability

To the fullest extent permitted by applicable law, ACG will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from use of the website or services.

To the fullest extent permitted by applicable law, ACG's aggregate liability arising from a service will not exceed the fees paid to ACG for the specific service giving rise to the claim.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited.

16. Governing Law

These Terms are governed by the laws of the State of Oregon, without regard to conflict-of-law principles.

Any dispute arising from these Terms or services provided under them will be subject to the applicable state or federal courts located in Oregon, unless the parties agree otherwise in writing or applicable law requires otherwise.

17. Changes to These Terms

ACG may update these Terms periodically. Changes will apply prospectively from the effective date of the revised Terms.

The Terms applicable to a paid service are those in effect when that service is purchased unless the parties subsequently agree otherwise.

18. Contact

Questions regarding these Terms may be directed to:

Abel Consulting Group
max@abelconsultinggroup.com