Terms of Service

Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and Preece Financial Services ("Company," "we," "us," or "our") concerning your access to and use of our website and financial services.

By accessing or using our services, you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not access our services.

Our Services

Preece Financial Services provides comprehensive financial planning and advisory services, including but not limited to:

• Financial planning and consultation
• Investment management and advisory services
• Tax strategy and preparation
• Retirement planning
• Bookkeeping and payroll services
• Accounting services

The specific services provided to you will be outlined in a separate client agreement or engagement letter.

User Responsibilities

By using our services, you agree to:

• Provide accurate, current, and complete information
• Maintain the confidentiality of your account credentials
• Notify us immediately of any unauthorized access or security breaches
• Comply with all applicable federal, state, and local laws and regulations
• Not use our services for any unlawful or fraudulent purposes
• Not interfere with or disrupt the integrity or performance of our services
• Not attempt to gain unauthorized access to our systems or networks

Client Agreements and Engagement

Prior to providing financial advisory or planning services, we will enter into a written client agreement with you that outlines:

• Scope of services to be provided
• Fee structure and payment terms
• Duration of engagement
• Termination provisions
• Conflicts of interest disclosures
• Regulatory disclosures as required by law

Fees and Payment

Our fees for services will be clearly stated in your client agreement. Payment terms may include:

• Hourly fees for consultation and planning services
• Fixed fees for specific projects or services
• Asset-based fees for investment management
• Retainer fees for ongoing advisory services

You agree to pay all fees in accordance with the payment terms specified in your client agreement. We reserve the right to suspend or terminate services for non-payment.

Disclaimers and Limitations

No Guarantee of Results

While we strive to provide quality financial advice and services, we cannot guarantee specific results or outcomes. Investment performance, tax savings, and financial goals are subject to market conditions, individual circumstances, and other factors beyond our control.

Investment Risk

All investments involve risk, including the potential loss of principal. Past performance does not guarantee future results. We will work with you to understand your risk tolerance and investment objectives, but you acknowledge that investment decisions carry inherent risks.

Tax and Legal Advice

While we provide tax planning and preparation services, we recommend consulting with qualified tax and legal professionals for complex tax or legal matters. Our advice should not be construed as legal advice unless explicitly stated.

Limitation of Liability

To the fullest extent permitted by law, Preece Financial Services and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of our services, including but not limited to:

• Investment losses or poor investment performance
• Loss of profits, revenue, or business opportunities
• Data loss or corruption
• Errors or omissions in advice or services
• Unauthorized access to your information

Our total liability for any claim arising from our services shall not exceed the fees paid by you to us in the twelve (12) months preceding the claim.

Indemnification

You agree to indemnify, defend, and hold harmless Preece Financial Services and its affiliates from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from your violation of these Terms or your use of our services.

Intellectual Property

All content on our website and in our materials, including text, graphics, logos, images, software, and other materials, is the property of Preece Financial Services or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from our content without our express written permission.

Termination

Either party may terminate the client relationship in accordance with the terms specified in the client agreement. We reserve the right to terminate or suspend access to our services immediately, without prior notice, for any reason, including:

• Violation of these Terms
• Non-payment of fees
• Fraudulent or illegal activity
• Providing false or misleading information

Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Wisconsin, without regard to its conflict of law provisions.

Any disputes arising from these Terms or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.

Regulatory Compliance

Preece Financial Services is committed to compliance with all applicable federal and state regulations, including those administered by the Securities and Exchange Commission (SEC), Financial Industry Regulatory Authority (FINRA), and state regulatory authorities. Our Form ADV and other regulatory disclosures are available upon request.

Changes to These Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the new Terms on our website and updating the "Last Updated" date. Your continued use of our services after such changes constitutes acceptance of the modified Terms.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

Contact Us

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