Effective Date: [9/15/2025]
These Terms of Service (“Terms”) set out the general terms under which BKZ Financial Services LLC (“BKZ Financial,” “we,” “us,” or “our”) provides its website [https://bkzfinancialservices.com] (the “Site”) and its bookkeeping, controller, advisory/CFO, payroll coordination, and related services (collectively, the “Services”) to business clients. By using the Site or engaging our Services, you (“Client,” “you,” or “your”) agree to these Terms. If you do not agree, do not use the Site or Services.
We may update these Terms from time to time. If we make material changes, we will notify you (e.g., email or portal notice) and post the updated Terms on the Site. If you do not object in writing within five (5) business days after notice, you are deemed to accept the updated Terms.

1) Applicable Law & Venue
These Terms and any engagement documents are governed by the laws of the State of Oregon, without regard to conflicts principles. The state and federal courts located in Multnomah County, Oregon have exclusive jurisdiction over disputes, and each party consents to such courts and venue.

2) Authorization & Status
BKZ Financial Services LLC is a U.S. accounting/bookkeeping and advisory firm. We are not engaged as your auditors and do not provide assurance services (audit or review) unless explicitly agreed in a separate signed engagement with a licensed CPA firm.

3) Scope of Services
The specific Services, deliverables, fees, and timing will be outlined in one or more proposals, statements of work, service schedules, or engagement letters (each, an “Engagement”). If there is a conflict between an Engagement and these Terms, the Engagement governs for that scope.
Tax Disclaimer
BKZ Financial does not provide tax preparation, tax return filing, or tax advisory services unless expressly agreed to in a separate written engagement with a licensed tax professional. Our Services should not be relied upon for meeting federal, state, or local tax compliance requirements. We may assist in preparing financial packages to support your tax preparer or CPA, but we are not responsible for the preparation or filing of tax returns.

4) Service-Specific Terms
We provide bookkeeping, accounting, and advisory services as agreed in your engagement.
We aim to deliver monthly and annual reporting on a timely basis, but your cooperation in providing information, documents, and responses is essential. Delays in receiving requested information may result in delays to reporting, additional fees for catch-up work, or rescheduling of deliverables.
Our role is limited to bookkeeping, advisory, and financial organization. We do not provide tax preparation, tax filings, or assurance services (audits or reviews). We may coordinate with your tax preparer or CPA as needed, but ultimate responsibility for tax compliance remains with you.

4.3 Compilation or Other Attest-Style Reporting (if separately engaged)
If you engage a licensed CPA for a compilation or other attest service, that work will be performed under a separate engagement and applicable professional standards. Unless expressly stated, our Services do not constitute a compilation under SSARS or any assurance service.

5) Client Responsibilities
You are responsible for:
(a) the accuracy, completeness, and timeliness of information provided;
(b) selecting accounting policies and approving entries;
(c) management decisions and implementation;
(d) maintaining access to systems we need; and
(e) safeguarding your credentials.
If our performance is delayed or prevented by your acts/omissions or third-party changes (including unilateral changes to your accounting file by another provider), we are not in breach, may delay deliverables, and may charge hourly for remediation or rescheduling.

6) Communications
We use electronic communications and portals to exchange information. Electronic communications can be intercepted or misdirected; we disclaim liability for such events beyond our reasonable control. If you do not consent to electronic communications, notify us in writing—this may impact timing and approach.

7) Ownership of Documents & Workpapers
Your property: Original source documents you provide; finalized deliverables (e.g., financial reports we explicitly deliver to you).

Our property: Workpapers, internal notes, rules, processes, and methodologies used to provide Services.
We may retain copies of client documents for our records subject to confidentiality obligations. We may assert a lien over client documents in our possession if fees remain unpaid to the extent allowed by law.

8) Confidentiality & Data Use
We will keep your confidential information confidential and use it only to provide and improve the Services, comply with law, and enforce our rights. You represent that you have obtained all necessary consents for us to process personal information provided to us. Additional details are in our [Privacy Policy] (incorporated by reference).

9) Third-Party Tools & Integrations
At your direction, we may connect to or receive data from third-party platforms (e.g., accounting, payroll, expense, banking, payment, e-commerce). You are responsible for those accounts, terms, and access. We do not endorse third-party tools and are not responsible for their availability, security, or accuracy.
Online credentials. If you share any login credentials, you authorize us to use them solely to perform the Services. You acknowledge this may affect insurance coverage under some policies; you agree to indemnify us for losses arising from credential sharing except for our gross negligence or willful misconduct.

10) Fees, Payment & Non-Payment
Fees. Fixed or hourly, as stated in your Engagement.

Payment method. ACH/credit card or other method stated on invoice.

Late amounts. We may charge 2% per month (or max lawful rate) and a $29 fee for returned/NSF payments.

Two consecutive months unpaid: We may pause all work until balances are paid.

11) Non-Response Escalation
If we do not receive requested information, we will send reminders at two-week intervals for up to six (6) weeks. Continued non-response may result in:
File moved to the bottom of the queue;

Hourly catch-up charges;

Late completion risks (penalties/interest are your responsibility);

Disengagement under Section 16 if inactive for three months.

12) Reliance on Advice
We aim to record important advice in writing. Oral advice (e.g., during calls) is not intended to be relied upon unless confirmed in writing.
Tax Reminder: Any guidance we provide is general in nature and not intended as tax advice. You must consult your CPA or tax preparer for tax-related matters.

13) Record Retention
You are responsible for legal record retention. We may keep copies of relevant materials and will return original documents upon request. After disengagement, we may not maintain access to your systems or third-party data; please export and retain your records.

14) Acceptable Use
You will not use the Site or Services for unlawful purposes, attempt to gain unauthorized access, or interfere with security or operation. You will follow reasonable security practices (e.g., strong passwords, role-based access, timely termination of former users).

15) Intellectual Property
We own all intellectual property in our Site content, templates, processes, and workpapers. You own your underlying business data and any final deliverables we explicitly provide to you. You may not copy or distribute our materials without written permission.

16) Disengagement & Termination
Either party may terminate by 30 days’ written notice. We may terminate immediately if you fail to cooperate, provide misleading information, violate law, or materially breach these Terms or an Engagement (including non-payment). We will reasonably coordinate hand-off of in-progress work unless legal/regulatory reasons require us to cease immediately. You remain responsible for fees incurred through the termination date.

17) Lien
To the fullest extent permitted by law, we may exercise a lien over client documents and records in our possession relating to any engagement until all outstanding fees/disbursements are paid in full.

18) Limitation of Liability
We will provide Services with reasonable care and skill. To the maximum extent permitted by law:
We are not liable for indirect, incidental, consequential, special, punitive, or exemplary damages (including lost profits or data).

Our aggregate liability is limited to the lesser of (i) the fees you paid to us in the six (6) months before the claim or (ii) $10,000.

Any claim must be brought within 1 year of the earlier of (i) completion, (ii) suspension/abandonment, or (iii) termination of Services.

19) Exclusions & Indemnities
Others’ acts; incomplete info. We are not liable for losses caused by third parties or by incomplete/incorrect info you provide.

Force majeure. We are not liable for delays/failures caused by events outside our reasonable control.

Fraud concealment. We are not responsible for fraud/misrepresentation by others unless obvious within scope.

Indemnity (unauthorized disclosure). You indemnify us for claims from disclosure of our work without consent.

Indemnity (credentials). You indemnify us for credential-sharing risks, except gross negligence/willful misconduct by us.

20) Third-Party Reliance
Our deliverables and advice are for your benefit only and may not be disclosed to or relied upon by third parties without our written consent. If disclosed, we assume no responsibility to third parties.

21) Timetable
Timelines depend on your prompt provision of info and access. Target dates are estimates, not guarantees. Regulatory filing deadlines remain your responsibility unless explicitly assumed in writing.

22) Privacy; Use of Information
We process information in accordance with our Privacy Policy (linked on the Site). You represent that you have obtained all required consents for us to collect, use, disclose, store, and process personal information as needed to perform the Services.

23) Miscellaneous
Updates to Terms = binding unless objected.

Severability = invalid provision won’t affect the rest.

Assignment = not allowed without consent.

Entire Agreement = these Terms + Engagement(s).

No waiver without writing.

Independent contractors.

No publicity without consent (except client name/logo listing unless opted out).

Export compliance required.

Force majeure applies.

Price typos can be corrected with refunds if already paid.

24) Contact
BKZ Financial Services LLC
Email: [kane@bkzfinancialservices.com]