TERMS AND CONDITION

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1. Eligibility and Professional Use

1.1 Eligibility. You must be at least 18 years old (or of legal age in your jurisdiction) to use our Site or Services.

‍1.2 Professional Advisory Notice. Our Services include strategic tax, legal, business, and wealth advisory integration. Unless you have a signed engagement agreement, nothing on this Site constitutes individualized legal, tax, or investment advice. Always consult a qualified professional before acting.

1.3 No Guarantees. Examples or case studies are illustrative only. Past performance and hypothetical outcomes do not guarantee future results.

2. Use of the Site

2.1 License. You are granted a limited, non-exclusive, revocable license to access the Site for personal or business informational purposes.

2.2 Accounts. Where applicable, you are responsible for maintaining confidentiality of login credentials and for all activity under your account.

2.3 Acceptable Use. You agree not to:- Violate any law or third-party right.- Disrupt or harm Site performance or security.- Attempt unauthorized access or use automated scraping tools.- Upload malicious code or misrepresent your identity.

3. Fees and Payments

3.1 Billing. Fees appear in your engagement documents or on the applicable Service page. You authorize us (or our processor) to charge your chosen payment method.

3.2 Taxes. You are responsible for taxes other than our income taxes.

3.3 Refunds. Except where required by law or explicitly stated otherwise, all payments are non-refundable.

4. Intellectual Property

4.1 Ownership. All content, branding, and intellectual property on the Site belong to Kotini & Kotini or its licensors.

4.2 Limited Use. You may download or print content solely for internal reference, provided you retain copyright notices.

4.3 User Submissions. Any content submitted (e.g., comments, inquiries) grants us a perpetual, royalty-free license to use and display that content for business purposes.

5. Third-Party Links & Integrations

We may provide links or integrations with external platforms (e.g., analytics, payment processors). We are not responsible for those third parties’ content or policies. Use them at your own discretion.

6. Disclaimers & Liability

6.1 Disclaimer. The Site and Services are provided “as is.” We disclaim all implied warranties including merchantability, fitness for a purpose, and non-infringement.

6.2 Limitation. To the fullest extent permitted by law, our total liability shall not exceed the greater of (a) the fees paid to us in the preceding 12 months or (b) USD $100.We are not liable for indirect, incidental, or consequential damages.

6.3 Client Decisions. You remain responsible for all personal or business decisions made using our content or recommendations.

7. Indemnification

You agree to defend and indemnify Kotini & Kotini, its officers, employees, and affiliates against any claim arising from your use of the Site or violation of these Terms.

8. Termination

We may suspend or terminate your access at any time for breach or misuse. Sections 4 through 10 survive termination.

9. Governing Law & Dispute Resolution

These Terms are governed by the laws of the Commonwealth of Virginia, USA. Disputes shall be resolved exclusively in the state or federal courts of Henrico County, Virginia, unless both parties agree to binding arbitration administered by the American Arbitration Association in Richmond, VA.

10. Miscellaneous

- Changes. We may revise these Terms periodically. Continued use constitutes acceptance.- Severability. Invalid provisions do not affect remaining clauses.- Entire Agreement. These Terms and the Privacy Policy form the full understanding between you and Kotini & Kotini.- Assignment. You may not transfer rights without our consent.

Our commitment: We exist to help you plan boldly, live fully, and preserve wisely.