Terms of Service

1. Scope and Acceptance

These Terms of Service (“Terms”) govern all consulting, advisory, and professional services provided by A³ Financial (“A³”) to the client (“Client”).

These Terms apply to all current and future engagements unless expressly superseded by a written agreement signed by both parties. Client’s purchase orders or terms are expressly rejected unless agreed to in writing by A³.

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2. Services and Performance

Services shall be provided in accordance with the applicable written agreement, statement of work, or engagement letter. Any changes require written agreement by both parties.

All timelines and deliverables are estimates unless expressly stated as binding.

A³ retains sole discretion over staffing, work methods, and service locations. A³ may subcontract portions of the services unless expressly prohibited.

Client delays, failures to cooperate, or inaccurate information shall extend timelines and entitle A³ to equitable fee adjustments.

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3. Client Responsibilities

Client shall:

• Provide accurate, complete, and timely information

• Retain responsibility for all business, financial, tax, and compliance decisions

• Designate a qualified point of contact for approvals and coordination

A³ is entitled to rely on information provided by Client without independent verification.

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4. Intellectual Property

All pre-existing A³ intellectual property, methodologies, tools, templates, models, software, and know-how remain the exclusive property of A³.

Unless otherwise agreed in writing:

• Deliverables are licensed to Client on a non-exclusive, non-transferable, internal-use-only basis

• No ownership rights are transferred

 

5. Fees and Payment

Fees and expenses are defined in the applicable agreement. Payment terms are net thirty (30) days unless otherwise stated.

Late payments may accrue interest at the lesser of 3% per month or the maximum allowed by law. A³ may suspend services for nonpayment without liability.

Client may not withhold or offset undisputed amounts.

 

6. No Investment Advisory Relationship / Not an RIA

A³ Financial is not registered as a Registered Investment Adviser (RIA) with the U.S. Securities and Exchange Commission or any state securities authority.
Nothing on this Website, nor any communication from A³ Financial, is intended to constitute or be construed as investment advisory services requiring registration under applicable securities laws. Any financial, tax, or planning discussions are general in nature, provided in connection with tax, consulting, or business services, and do not involve discretionary investment management, securities recommendations, or ongoing investment advisory relationships.

 

7. Disclaimer of Warranties

Services are provided “as is” and “as available.”

A³ makes no guarantees regarding financial outcomes, regulatory approval, tax treatment, or business results. A³ does not provide legal or tax advice unless expressly stated in writing.

 

8. Limitation of Liability

To the maximum extent permitted by law:

• A³ shall not be liable for indirect, incidental, special, consequential, or punitive damages, including lost profits, revenue, or data.

• A³’s total aggregate liability arising from any engagement shall not exceed the fees paid to A³ for the services giving rise to the claim during the twelve (12) months preceding the event.

These limitations apply regardless of theory of liability.

 

9. Indemnification

Client Indemnification

Client shall indemnify and defend A³ and its owners, directors, agents, etc. from claims, damages, losses, expenses (including attorney fees), and fines arising from:

• Client-provided data or instructions

• Client’s breach of these Terms

• Acts or omissions of Client or any of its personnel or representatives.

• A³'s performance of the Services hereunder in compliance Client's instructions

A³ Indemnification

A³ shall indemnify, defend, and hold harmless Client from any damages, losses, and expenses arising from any third party claim against Client arising directly from the gross negligence or willful misconduct of A3 in performing the Services.

 

10. Confidentiality

The existence of this relationship agreement, including, but not limited to, communication prior to the acceptance of the Services or the agreement ("Confidential Information") is confidential. Both parties agree not to disclose, directly or indirectly, any Confidential Information regarding this agreement or the nature of the relationship to any third party without the prior written consent of the other party, except as required by law or regulatory authorities. The receiving party shall be responsible for any breach or violations of this confidentiality provision by any affiliates’ employees, officers, directors, partners, shareholders, agents, attorneys, accountants, or advisors. This obligation of confidentiality will survive the termination or expiration of this agreement.

 

11. Termination

Either party may terminate an engagement:

• For convenience with written notice, subject to payment for services performed

• Immediately for material breach not cured within ten (10) days

Payment, confidentiality, IP, indemnification, and liability provisions survive termination.

 

12. Force Majeure

Neither party shall be liable for delays caused by events beyond reasonable control. If such event continues beyond sixty (60) days, either party may terminate without further liability except for accrued fees.

 

13. Governing Law and Venue

These Terms are governed by and construed in accordance with the laws of the State of Indiana, excluding its conflict-of-law rules. The Client agrees that any claim or dispute arising from this agreement must be resolved exclusively in a state or federal court located in Indiana, except as otherwise agreed by the parties. The Client also consents to the personal jurisdiction of the courts located in Hamilton County, Indiana, or the United States District Court in such county, for the purpose of resolving such claims or disputes.

 

14. Entire Agreement

These Terms, together with applicable service agreements, constitute the entire agreement and supersede all prior understandings.

 

15. Changes to These Terms
We may update these Terms at any time. Continued use of the Website constitutes acceptance of revised Terms.
 

16. Contact Information

A³ Financial
Website: www.a3financial.com

Email: info@a3financial.com

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17. Acceptance
By using this Website or engaging A³ Financial for Services, you acknowledge that you have read, understood, and agree to these Terms.

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Effective Date

​1.1.2026​