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Today CFO · Policies

Terms of Service

Last Updated: February 2024

These Terms of Service ("Terms") govern your use of the services provided by Today CFO ("we," "our," or "us"), including our website at todaycfo.com, our online savings calculator, and all bookkeeping, tax planning, payroll, and CFO advisory services. By engaging our services or using our website, you agree to be bound by these Terms.

Acceptance of Terms

By using our website, submitting information through our contact forms or online calculator, or engaging us for professional services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with any part of these Terms, you should not use our website or services. These Terms constitute a legally binding agreement between you and Today CFO. We may update these Terms from time to time, and your continued use of our services after changes are posted constitutes acceptance of the updated Terms.

Services Description

Today CFO provides bookkeeping, tax and financial services including, but not limited to:

  • Tax Planning & Preparation: Proactive tax strategy development, tax return preparation and filing for businesses and individuals, entity structure optimization, and tax compliance services
  • Bookkeeping: Monthly bookkeeping, bank and credit card reconciliation, financial statement preparation, and accounts payable/receivable management
  • CFO Advisory Services: Fractional CFO services, cash flow forecasting, KPI dashboards, budgeting, financial modeling, and strategic financial guidance
  • Payroll Services: Payroll processing, tax withholding calculations, payroll tax filing, and employee documentation management
  • Retirement Planning: Guidance on retirement plan selection, contribution strategies, and tax-efficient retirement savings optimization

The specific services provided to you will be outlined in a separate engagement letter or service agreement. Our services are advisory in nature and do not constitute legal advice. We recommend consulting with an attorney for legal matters.

Client Responsibilities

As our client, you agree to:

  • Provide accurate, complete, and timely financial information, records, and documentation necessary for us to perform our services
  • Notify us promptly of any changes to your business structure, ownership, or significant financial transactions
  • Review all financial statements, tax returns, and other deliverables we prepare and notify us of any errors or concerns in a timely manner
  • Maintain responsibility for the accuracy and completeness of information provided to us and for all business decisions made based on our advice
  • Comply with all applicable tax laws, regulations, and filing deadlines
  • Respond to our requests for information and approvals within reasonable timeframes to avoid delays in service delivery
  • Maintain the confidentiality of any login credentials provided for shared systems or portals

Failure to provide accurate or timely information may result in delayed services, inaccurate deliverables, missed filing deadlines, or potential penalties for which Today CFO will not be held responsible.

Fees and Payment

Service fees are based on the scope of services, your business size, revenue, and complexity as outlined in your service agreement or engagement letter. Key terms include:

  • Fees are billed monthly unless otherwise specified in your service agreement
  • Payment is due upon receipt of invoice unless alternative terms have been agreed upon in writing
  • We reserve the right to adjust fees with 30 days' written notice, typically during quarterly reviews as your business needs evolve
  • Late payments may incur a late fee of 1.5% per month on the outstanding balance
  • Work outside the scope of your service agreement may be billed at our standard hourly rates, which will be communicated and approved before work begins
  • Estimates provided through our online calculator at calculator.todaycfo.com are preliminary and subject to adjustment based on a full review of your financial situation

Confidentiality

We are committed to maintaining the confidentiality of all client information:

  • All financial data, tax documents, business records, and personal information provided by clients are treated as strictly confidential
  • We will not disclose your information to third parties without your written consent, except as required by law, regulation, or as necessary to perform our services (e.g., filing tax returns with the IRS)
  • Our team members are bound by confidentiality agreements and professional ethics standards
  • We adhere to strict confidentiality requirements and ethical standards in handling client information
  • Confidentiality obligations survive the termination of our engagement

Limitation of Liability

To the maximum extent permitted by law:

  • Today CFO's total liability for any claims arising out of or related to our services shall not exceed the total fees paid by you in the twelve (12) months preceding the claim
  • We shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits, lost revenue, or lost business opportunities
  • We are not responsible for penalties, interest, or additional taxes resulting from inaccurate, incomplete, or untimely information provided by the client
  • While we exercise professional care and diligence, we do not guarantee specific tax savings, financial outcomes, or investment returns
  • Tax laws and regulations are subject to change, and our advice is based on the laws in effect at the time it is provided
  • We are not liable for any actions taken by tax authorities, including audits, adjustments, or assessments, unless directly caused by our negligence

Termination

Either party may terminate the service relationship under the following conditions:

  • Our service agreements are month-to-month unless otherwise specified. Either party may terminate with 30 days' written notice
  • We reserve the right to terminate services immediately if the client fails to pay outstanding invoices, provides fraudulent information, or engages in illegal activity
  • Upon termination, all outstanding fees for services rendered become immediately due and payable
  • We will provide reasonable assistance in transitioning your financial records to a new service provider, subject to payment of all outstanding balances
  • Client records and documents will be made available for retrieval for a period of 90 days following termination. After this period, records may be securely destroyed in accordance with our data retention policy

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which Today CFO is registered to conduct business. Any disputes arising from these Terms or our services shall be resolved through good-faith negotiation. If negotiation is unsuccessful, disputes shall be submitted to binding arbitration in accordance with the rules of the American Arbitration Association. Each party shall bear its own costs and attorney's fees in connection with any dispute resolution proceedings.

Intellectual Property

All content on the Today CFO website, including text, graphics, logos, images, and software, is the property of Today CFO and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works from our website content without our express written permission. Financial reports, tax strategies, and other deliverables created specifically for your engagement are provided for your use in managing your business and complying with tax obligations.

Contact Information

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