Terms & Conditions

1. About us and acceptance of these terms

This website, www.CaramelAdvisors.com (the "Website"), is owned and operated by Caramel Advisors LLC ("Caramel Advisors", "we", "us" or "our"), a limited liability company with its principal office at 45 E City Ave #1940, Bala Cynwyd, Pennsylvania 19004, USA.

These Terms & Conditions ("Terms") govern your access to and use of the Website. By accessing or using the Website, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Website.

2. Our services

Caramel Advisors provides virtual finance and accounting services, including bookkeeping and accounting, audit support, tax services, client accounting advisory services, and advisory services (valuation and transaction support), to business owners, CPA firms and fractional CFO firms.

Any services we provide are governed by a separate written engagement letter or service agreement signed by you and us. That agreement sets out the scope of work, fees, payment terms, confidentiality, data protection and limitation of liability for the engagement. If there is any conflict between these Terms and a signed engagement letter or service agreement, the signed agreement prevails.

We offer flexible delivery models, including a remote or cloud access model in which our team works directly within your own systems, so that your data does not leave your environment. The delivery model for each engagement is agreed in the engagement letter. Our Privacy Policy explains how we protect client data.

3. No professional advice and no client relationship

The content on this Website, including articles, insights, newsletters, checklists and downloadable materials, is provided for general information only. It is not accounting, tax, audit, legal or financial advice, and it may not reflect the latest changes in law or regulation.

You should not act on any Website content without obtaining advice specific to your circumstances from a qualified professional. Using the Website, contacting us through it or receiving a response from us does not create a client, advisory or fiduciary relationship. A client relationship begins only when both parties sign an engagement letter or service agreement.

Caramel Advisors is not a licensed CPA firm and does not issue audit, review or attest opinions or other assurance reports. Our Audit Support services help clients and their CPA firms prepare for and manage audits, for example by preparing schedules, reconciliations and supporting documentation; they are not audits and do not result in an audit opinion. Where our services support a CPA firm, the CPA firm remains responsible for any professional opinions it issues.

4. Use of the Website

You may use the Website only for lawful purposes and in line with these Terms. You agree not to:

• use the Website in any way that breaches applicable law or regulation;
• attempt to gain unauthorized access to the Website, its servers or any connected systems;
• introduce viruses, malware or other harmful code;
• scrape, crawl or harvest content or data from the Website by automated means without our written permission;
• submit false or misleading information, or impersonate any person or business; or
• interfere with the security, operation or performance of the Website.

You agree that the information you give us through the Website will be accurate and complete. Please do not send confidential financial data, tax identification numbers or account details through website forms; we will provide a secure portal once you engage us.

5. Intellectual property

The Website and all its content, including text, graphics, logos, images, page layouts, articles and downloadable materials, are owned by or licensed to Caramel Advisors and are protected by copyright, trademark and other intellectual property laws. "Caramel Advisors" and our logo are our trademarks.

You may view, download and print pages from the Website for your own internal business use, including sharing our white papers, insights and other downloadable materials within your firm or organization, provided you keep all copyright and other notices intact and do not modify the materials. Any other copying, reproduction, distribution outside your organization, modification or other commercial use, such as republishing, reselling or presenting our materials as your own, requires our prior written consent. All rights not expressly granted are reserved.

6. Links to other websites

The Website may contain links to third-party websites for your convenience. We do not control, review or endorse those websites and are not responsible for their content, products, services or privacy practices. You access them at your own risk.

7. Linking to our Website

You may link to our home page, provided you do so fairly and lawfully and do not damage our reputation or take advantage of it. You must not:

• frame the Website or present it within another website;
• suggest any form of association, approval or endorsement by us that does not exist;
• use our trademarks or logo without our written permission; or
• link from a website that contains unlawful, offensive or misleading content, or that infringes the rights of others.

We may withdraw linking permission at any time.

8. Communications, SMS and opt-out

Email. If you subscribe to our newsletter or insights, or give us your email address, we may send you emails about our services. You can unsubscribe at any time using the "unsubscribe" link in any marketing email or by writing to privacy@carameladvisors.com.

SMS. If you opt in by providing your mobile number and ticking the SMS consent box, you agree to receive text messages from Caramel Advisors LLC about service updates, appointment reminders, account notifications, billing alerts and customer support. Consent is not a condition of purchase.

• Message frequency varies depending on your services and account activity.
• Message and data rates may apply, depending on your mobile carrier plan.
• To opt out, reply STOP to any message. You will receive one confirmation and no further messages unless you opt in again.
• For help, reply HELP or contact privacy@carameladvisors.com or +1 267-416-9800.
• Mobile carriers are not liable for delayed or undelivered messages.

We do not sell or share your mobile number or SMS consent with third parties for their marketing. See our Privacy Policy for details.

9. Disclaimer of warranties

The Website and its content are provided "as is" and "as available". To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, completeness and non-infringement. We take care in preparing Website content, but we do not warrant that it is accurate, complete or current, that the Website will be uninterrupted or error-free, or that material downloaded from it will be free from viruses or compatible with your equipment.

10. Limitation of liability

To the fullest extent permitted by law, Caramel Advisors and its members, managers, employees and affiliates will not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, revenue, data or goodwill, arising out of or relating to your access to or use of, or inability to use, the Website or its content, whether based on contract, tort (including negligence) or any other legal theory, even if we were advised of the possibility of such damages.

Our total liability for any claim arising from your use of the Website will not exceed one hundred U.S. dollars (US$100). Nothing in these Terms limits liability that cannot be limited under applicable law. Liability for services we provide is governed exclusively by the relevant engagement letter or service agreement.

11. Indemnification

You agree to indemnify and hold harmless Caramel Advisors and its members, managers, employees and affiliates from any claims, losses, liabilities and expenses (including reasonable attorneys' fees) arising from your breach of these Terms or your misuse of the Website.

12. Governing law and disputes

These Terms and any dispute arising out of or relating to them or the Website are governed by the laws of the Commonwealth of Pennsylvania, United States, without regard to its conflict-of-law rules. You agree that the Court of Common Pleas of Montgomery County, Pennsylvania, and the United States District Court for the Eastern District of Pennsylvania have exclusive jurisdiction over any such dispute, and you consent to venue in those courts. Disputes relating to services we provide are governed by the dispute resolution terms of the relevant engagement letter or service agreement.

13. Changes to these Terms

We may update these Terms at any time by posting a revised version on this page and changing the "Last updated" date. Changes take effect when posted. Your continued use of the Website after that means you accept the updated Terms.

14. General

• Severability: if any provision of these Terms is found invalid or unenforceable, the remaining provisions remain in full force.
• No waiver: our failure to enforce any provision is not a waiver of our right to do so later.
• Entire agreement: these Terms and our Privacy Policy are the entire agreement between you and us about your use of the Website. Services are governed separately by the signed engagement letter or service agreement.
• Other notices: specific areas of the Website may carry additional legal notices, which apply alongside these Terms.

15. Contact us

If you have any questions about these Terms, please contact: