Legal

Terms of Service

Last updated: December 16, 2025

These Terms of Service ("Terms") govern your access to and use of the 1CFO website, platform, and services ("Services"). By accessing or using our Services, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not access or use the Services.

If you are using the Services on behalf of a company or organization, you represent that you have the authority to bind that entity to these Terms.

2. Description of Services

1CFO provides fractional CFO services, financial consulting, and related technology solutions. Our Services include but are not limited to:

  • Fractional and interim CFO services
  • Financial planning and analysis
  • Cash flow management and forecasting
  • Financial reporting and dashboards
  • Strategic financial advisory
  • AI-powered financial intelligence tools

3. Account Registration

To access certain features of our Services, you may need to create an account. You agree to:

  • Provide accurate and complete information
  • Maintain the security of your account credentials
  • Notify us immediately of any unauthorized access
  • Accept responsibility for all activities under your account

We reserve the right to suspend or terminate accounts that violate these Terms.

4. Service Agreements

Engagement for specific CFO services will be governed by a separate Service Agreement or Statement of Work that outlines:

  • Scope of services
  • Deliverables and timelines
  • Fees and payment terms
  • Term and termination provisions
  • Confidentiality obligations

In the event of any conflict between these Terms and a Service Agreement, the Service Agreement shall control for the specific engagement.

5. Fees and Payment

Fees for our Services are set forth in the applicable Service Agreement. Unless otherwise specified:

  • Fees are invoiced monthly in arrears
  • Payment is due within 30 days of invoice date
  • Late payments may incur interest at 1.5% per month
  • All fees are non-refundable unless otherwise agreed

We reserve the right to suspend Services for accounts with overdue payments.

6. Confidentiality

In the course of providing Services, we may receive confidential information about your business. We agree to:

  • Maintain the confidentiality of your information
  • Use confidential information only for providing Services
  • Implement appropriate security measures
  • Not disclose confidential information to third parties without consent

Confidentiality obligations do not apply to information that is publicly available, independently developed, or required to be disclosed by law.

7. Intellectual Property

All intellectual property rights in the Services, including our platform, tools, methodologies, and materials, remain our property. We grant you a limited, non-exclusive license to use the Services during the term of your engagement.

Work product created specifically for you under a Service Agreement may be owned by you as specified in that agreement.

8. Data Ownership

You retain ownership of all data you provide to us. You grant us a license to use your data solely for the purpose of providing the Services. We may use anonymized, aggregated data for improving our Services and for benchmarking purposes.

9. Limitations of Services

Our Services are advisory in nature. We do not provide:

  • Legal advice (consult an attorney for legal matters)
  • Tax advice (consult a CPA or tax professional)
  • Investment advice (consult a registered investment advisor)
  • Audit or attest services

Final business decisions remain your responsibility. We provide analysis and recommendations, but you are responsible for evaluating and implementing them.

10. Warranties and Disclaimers

We provide our Services with reasonable skill and care. However, to the maximum extent permitted by law:

  • Services are provided "as is" without warranties of any kind
  • We do not guarantee specific financial outcomes or results
  • We are not responsible for decisions made based on our recommendations
  • We do not warrant that the Services will be uninterrupted or error-free

11. Limitation of Liability

To the maximum extent permitted by law, 1CFO shall not be liable for:

  • Indirect, incidental, special, or consequential damages
  • Loss of profits, data, or business opportunities
  • Damages exceeding the fees paid in the 12 months preceding the claim

Some jurisdictions do not allow certain limitations of liability, so these limitations may not apply to you.

12. Indemnification

You agree to indemnify and hold harmless 1CFO, its officers, employees, and agents from any claims, damages, or expenses arising from:

  • Your use of the Services
  • Your violation of these Terms
  • Your violation of any third-party rights
  • Any content or data you provide

13. Termination

Either party may terminate the engagement as specified in the applicable Service Agreement. We may also suspend or terminate your access to the Services if you violate these Terms.

Upon termination, we will provide reasonable assistance in transitioning your financial operations and returning your data.

14. Governing Law and Disputes

These Terms are governed by the laws of the State of Arizona, without regard to conflict of law principles. Any disputes shall be resolved through binding arbitration in Phoenix, Arizona, in accordance with the rules of the American Arbitration Association. Either party may seek injunctive relief in the state or federal courts located in Maricopa County, Arizona.

15. Modifications

We may modify these Terms from time to time. We will notify you of material changes by posting the updated Terms on our website and updating the effective date. Continued use of the Services after changes constitutes acceptance of the modified Terms.

16. General Provisions

  • Entire Agreement: These Terms, together with any Service Agreements, constitute the entire agreement between you and 1CFO.
  • Severability: If any provision is found unenforceable, the remaining provisions remain in effect.
  • Waiver: Failure to enforce any right does not waive that right.
  • Assignment: You may not assign these Terms without our consent.

Contact Us

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

  • Email: legal@1cfo.ai
  • Mail: 1CFO, 3218 E Bell Rd, Unit #1012, Phoenix, AZ 85032