Phone 239-371-0834

Terms of Service

Effective date: June 1, 2026

These terms govern your use of paradisecoastfinancial.com and any product or service you purchase through it from Paradise Coast Financial LLC ("Paradise Coast Financial," "we," "us"). By using the site or purchasing, you agree to these terms.

1. What we do and do not provide

We provide fractional controller support, management reporting and KPI dashboards, financial analysis, business advisory, and related services. We are not a public accounting firm engaged to provide assurance services. We do not perform audits, reviews, or compilations, and we issue no opinion or assurance on financial statements. We do not prepare or file tax returns, provide tax opinions, or represent you before taxing authorities unless a separate written engagement says so. We are not an investment adviser, broker-dealer, insurance agent, or law firm, and nothing we deliver is investment, legal, or tax advice.

2. Information on the site is general

Content on the site, including articles, assessments, scores, and downloadable guides, is general business information. It is not tailored to your circumstances and does not create a professional relationship. Assessment results, including the Financial Clarity & Profitability Scorecard, are directional indicators generated from your own self-reported answers, not a financial diagnosis. Decisions you make from general content are your own.

3. Engagements

A professional engagement begins only when we have both agreed in writing to a specific scope. Where an engagement letter, statement of work, or proposal conflicts with these terms, that signed document controls for that engagement.

4. Purchases, fees, and payment

Current offerings and prices are shown at the point of purchase and may change. Payment is processed through Stripe; by purchasing you agree to Stripe's terms for the payment method you select.

• The Financial Clarity Profit Guide (digital download) — $19; Delivered on payment; see refunds below

• The 48-Hour KPI Clarity Dashboard — $145 assessment price, $299 standard; Delivered within 48 hours of receiving complete, usable financial statements

• Fractional controller, advisory, and concierge work — By engagement; Fees, scope, and timing set in the engagement letter

Recurring engagements are billed as stated in the engagement letter. Invoices are due on receipt unless the engagement letter says otherwise. We may pause work on past-due accounts after notice to you.

5. Refunds

Digital guides are delivered immediately and are non-refundable once downloaded. If delivery fails or you received the wrong file, contact us and we will fix it or refund you in full. For the KPI Clarity Dashboard, you may cancel for a full refund any time before we begin building; once building has started, refunds are at our discretion based on work performed. Professional engagement fees are refundable only as the engagement letter provides.

6. Your responsibilities

You are responsible for:

• Providing complete, accurate, and timely financial records, and for the accuracy of the underlying bookkeeping

• Maintaining your own books, internal controls, and records

• Reviewing deliverables and telling us promptly about anything that looks wrong

• All management decisions and the business outcomes that follow them

Our deliverables reflect the information you give us. We do not independently verify or audit your data. If the records you supply are incomplete or inaccurate, the output will be too.

7. Work outside scope

Bookkeeping cleanup, account reconciliation, consolidation, chart-of-accounts rebuilds, and data remediation are not included in dashboard or assessment pricing. If your records need that work before we can deliver, we will tell you, quote it separately, and begin only after you approve the quote in writing.

8. Confidentiality

We keep your business and financial information confidential and use it only to deliver your engagement. Our handling practices are set out in the Client Data Handling Statement. You agree to keep our non-public pricing, methods, templates, and materials confidential.

9. Intellectual property

The site, our dashboard templates, models, frameworks, guides, and methodologies remain our property. On full payment you receive a non-exclusive, non-transferable license to use the deliverables we create for you, for your own internal business purposes. You may not resell, sublicense, publish, or redistribute our templates, guides, or dashboard frameworks, or use them to deliver services to third parties, without our written permission. Your own data remains yours.

10. Testimonials and case studies

Results described on the site, including client case studies, describe specific past engagements. They are not a promise or guarantee of similar results for you. We will not identify you or use your results in marketing without your written permission.

11. No guarantee of results

We provide services with professional care and skill. We do not guarantee any particular financial result, revenue figure, margin improvement, cost saving, funding outcome, or valuation.

12. Limitation of liability

To the maximum extent Florida law allows, our total liability for any claim arising out of or relating to the site, these terms, or any engagement is limited to the fees you paid us for the service giving rise to the claim in the twelve months before the claim. We are not liable for indirect, incidental, special, consequential, punitive, or exemplary damages, or for lost profits, lost revenue, lost data, or business interruption, even if we were advised such damages were possible. Nothing in these terms limits liability that cannot be limited by law, including liability for fraud or willful misconduct.

13. Indemnity

You agree to indemnify and hold us harmless from third-party claims arising out of your use of our deliverables, your business decisions, your tax or regulatory filings, or information you provided to us that was inaccurate or incomplete.

14. Termination

Either party may end an engagement in writing. Fees for work performed through the termination date remain payable. We may suspend or terminate your access to the site, or decline or withdraw from an engagement, where continuing would breach a professional, ethical, or legal obligation, or where fees are materially past due.

15. Third-party services

The site links to and relies on third-party services, including Stripe, Wix, and accounting and ERP platforms. We are not responsible for their availability, content, security, or terms.

16. Governing law and dispute resolution

These terms are governed by the laws of the State of Florida, without regard to conflict-of-laws rules.

Agreement to arbitrate. Any dispute, claim, or controversy arising out of or relating to these terms, the site, or any engagement, including questions of the formation, scope, or enforceability of this agreement to arbitrate, will be resolved by final and binding arbitration rather than in court, except as stated below. The arbitration will be administered by the American Arbitration Association under its Commercial Arbitration Rules, before a single arbitrator, seated in Lee County, Florida. The arbitrator's award may be entered as a judgment in any court of competent jurisdiction. The Federal Arbitration Act governs the interpretation and enforcement of this section.

What is carved out. Either party may bring an individual claim in small claims court if it qualifies, and either party may seek temporary or preliminary injunctive relief from a court located in Lee County, Florida to prevent or stop a breach of confidentiality or a misuse of intellectual property, without waiving this agreement to arbitrate the underlying dispute.

Individual claims only. Claims will be arbitrated on an individual basis. Neither party may bring a claim as a plaintiff or class member in a class, collective, consolidated, or representative action, and the arbitrator may not consolidate claims or preside over any form of class proceeding. If this paragraph is held unenforceable as to a particular claim, that claim alone proceeds in court in Lee County, Florida, and the rest of this section still applies to all other claims.

Fees. Each party bears its own attorneys' fees and its share of the arbitrator's fees and administrative costs as the AAA rules allocate them, unless the arbitrator decides otherwise under applicable law.

Informal resolution first. Before starting arbitration, the party raising the dispute will send the other a written notice describing the claim and the relief sought, and both parties will try in good faith to resolve it for 30 days. This step is a condition to starting arbitration, but it does not extend any applicable limitations period.

Opt out. You may reject this agreement to arbitrate by sending written notice to office@paradisecoastfinancial.com within 30 days of first accepting these terms. If you opt out, disputes will be brought exclusively in the state or federal courts located in Lee County, Florida, and both parties consent to that jurisdiction and venue.

17. Changes to these terms

We may update these terms. The effective date above shows when they last changed. Continued use of the site after a change means you accept the updated terms. The terms in effect when you purchased govern that purchase.

18. Entire agreement and severability

These terms, together with any signed engagement letter, are the entire agreement between us on their subject matter. If any provision is held unenforceable, the rest remains in effect.

Contact

Paradise Coast Financial LLC
Fort Myers, Florida
office@paradisecoastfinancial.com
239-371-0834