Legal

Terms of Service

Effective Date: October 22, 2006Last Updated: January 15, 2026

Please read these Terms of Service ("Terms") carefully before using the ExpressCFO website or services operated by XBS Express Business Solutions LLC ("ExpressCFO," "we," "us," or "our"). By accessing or using our services, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing and using our website and services, you accept and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these Terms, please do not use our services.

2. Description of Services

ExpressCFO provides financial coaching, fractional CFO services, capital advisory, AI automation, accounting, and tax services to businesses and entrepreneurs. Our services are provided on a subscription or project basis as outlined in your service agreement.

3. User Accounts

To access certain features of our services, you may be required to create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

4. Payment Terms

Fees for our services are outlined in your service agreement or on our pricing page. All fees are due as specified in your agreement. We reserve the right to suspend or terminate services for non-payment. All fees are non-refundable unless otherwise specified in writing.

5. Confidentiality

Both parties agree to maintain the confidentiality of any proprietary or sensitive information shared during the course of our engagement. This obligation survives the termination of our services.

6. Intellectual Property

All content, materials, and tools provided by ExpressCFO, including but not limited to reports, templates, guides, and software, are the intellectual property of XBS Express Business Solutions LLC. You may not reproduce, distribute, or create derivative works without our express written consent.

7. Disclaimer of Warranties

Our services are provided "as is" without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or that any specific financial outcomes will be achieved. Financial coaching and advisory services do not constitute legal, tax, or investment advice.

8. Limitation of Liability

To the maximum extent permitted by law, ExpressCFO shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services. Our total liability shall not exceed the fees paid by you in the three months preceding the claim.

9. Termination

Either party may terminate services with written notice as specified in your service agreement. We reserve the right to terminate or suspend access to our services immediately for violations of these Terms or for conduct we determine to be harmful to other users or our business.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Georgia, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the courts of Fulton County, Georgia.

11. Changes to Terms

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

12. Contact Us

If you have questions about these Terms of Service, please contact us at: XBS Express Business Solutions LLC, 3535 Peachtree Street NE, Suite 320, Atlanta, GA 30326 | [email protected]

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