Terms of Service

Terms of Service for Silvera Financial, LLC

Effective Date: September 20, 2024

Welcome to Silvera Financial, LLC (“we,” “us,” “our”). By accessing or using our website SilveraFin.com, our related social media accounts, or downloading any materials such as guides or e-books, you agree to comply with and be bound by the following Terms of Service (“Terms”). Please read these Terms carefully before using our Site and related services. If you do not agree with any of these Terms, you are prohibited from using or accessing this Site or related content.

Acceptance of Terms

By using our Site, viewing our videos, downloading materials, subscribing to our newsletter, and/or providing your email or phone number for marketing purposes, you agree to these Terms and our Privacy Policy. We may modify these Terms at any time, and your continued use of the Site or related content after any changes are posted constitutes acceptance of the revised Terms.

Privacy

We employ the use of cookies. By using Silvera Financial’s website you consent to the use of cookies in accordance with our privacy policy.

Services Provided

Silvera Financial, LLC provides bookkeeping services, instructional videos, and informational content such as blog posts, e-books, guides, etc. Access to some services may be available via third-party service providers including our client portal, which is hosted by a third-party service provider. You acknowledge that the client portal and third-party services are subject to the terms and conditions of their respective providers, and you agree to comply with their policies when using such services.

No Financial, Tax, or Legal Advice

The information provided on this Site, newsletter, related social media accounts, downloadable content (e.g., e-books, guides), or through workshops, online training, and other informational products is for informational purposes only and should not be considered as financial, tax, or legal advice. Your reliance upon any information or content obtained through these mediums is solely at your own risk.

- We are not a CPA firm and are not engaged in the practice of law, public accounting nor providing financial auditing or advising services.
- Silvera Financial, LLC assumes no liability for damage or injury to you, other persons, or property arising from the use of any product, information, idea, or instruction contained in the content or services provided.
- If you have questions regarding your business’s legal, tax, or financial actions, consult with your own legal and financial advisers.

Use of the Website

You agree to use the Site and associated services (including newsletter, related social media content and downloaded materials) only for lawful purposes and in a manner that does not violate the rights of, restrict, or inhibit anyone else’s use and enjoyment of these resources. Prohibited behavior includes:

- Harassing or causing distress or inconvenience to others.
- Transmitting offensive, defamatory, or illegal content.
- Disrupting the normal flow of dialogue or comments.

Blog, Comments, and Testimonials

Our blog and comments section aim to foster a positive and informative environment. By commenting, you agree to:

- Post comments that are respectful, relevant, and not defamatory.
- We reserve the right to moderate, edit, or delete comments that violate these Terms or are deemed inappropriate.

Testimonials:

- Testimonials appearing on our website reflect real-life experiences of individuals who used our products and services. However, individual results may vary.
- Testimonials are displayed verbatim except for grammatical corrections or edits for clarity. In some cases, testimonials may be shortened when they contain extraneous information.
- Testimonials provided do not constitute endorsements of any affiliate products or services listed on this site.

Client Portal

Clients accessing services through the client portal are responsible for maintaining the confidentiality of their login information. We are not liable for any unauthorized access or use of your account. The portal is hosted by a third-party provider, and your use is governed by their terms and conditions.

Intellectual Property

All content on this Site and associated services (including newsletter, related social media content and downloaded materials), including text, images, videos, and materials, is the intellectual property of Silvera Financial, LLC or its content providers and is protected by copyright laws. You may not reproduce, distribute, or modify any of our content without our express written permission.

Third-Party Links

Our Site, newsletter and instructional videos may include links to third-party websites, including the client portal and affiliates. These links are provided for convenience and do not imply endorsement. We are not responsible for the content or privacy practices of third-party websites. Please review their terms and conditions before using those sites.

Newsletter and Marketing Communications

By subscribing to our newsletter or opting in to receive marketing communications:

- You consent to receive emails and/or text messages from Silvera Financial, LLC related to our services, updates, promotions, and other relevant information.
- You can opt out of these communications at any time by following the unsubscribe instructions included in each email or by replying “STOP” to any text message.

Collection and Use of Information

When you subscribe to our newsletter or provide your phone number:

- Personal information collected: We may collect your email address, phone number, and other relevant data to provide you with updates and promotional content.
- Use of information: Your information will be used only for sending newsletters, updates, marketing messages, or service-related communications. We will not share or sell your information to third parties without your consent, except as required by law.

Compliance with CAN-SPAM and TCPA

We comply with:

- CAN-SPAM Act: All email communications will include a clear way to opt out of future messages and a physical business address. You may unsubscribe from email marketing at any time.
- Telephone Consumer Protection Act (TCPA): Text message marketing will be sent only to those who have opted in. You can withdraw your consent to receive text messages at any time by replying “STOP” to any message.

Limitation of Liability

To the fullest extent permitted by law, Silvera Financial, LLC and its affiliates, officers, directors, employees, and agents shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from your use of or inability to use the Site, products, or services, even if we have been advised of the possibility of such damages. Silvera Financial, LLC is not responsible for any charges incurred by receiving text messages, including data rates or other fees imposed by your mobile service provider.

Disclaimer of Warranties

The Site, videos, downloadable materials, and all related services are provided “as is” without any warranties, express or implied. This includes, but is not limited to, warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not guarantee that our services will be error-free or uninterrupted.

Indemnification

You agree to indemnify and hold harmless Silvera Financial, LLC and its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses arising from your use of the Site, services, or violation of these Terms.

FTC Endorsement and Testimonial Guidelines

In accordance with the Federal Trade Commission (FTC) guidelines concerning the use of endorsements and testimonials in advertising:

- Testimonials on this Site are examples of client experiences but do not guarantee specific results.
- Affiliates mentioned on this Site or in any Silvera Financial content do not imply endorsement of their products or services.

Severability

In the event that any provision of these Terms of Service is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms of Service, such determination shall not affect the validity and enforceability of any other remaining provisions.

Termination

We reserve the right to terminate or suspend access to our Site or services, without notice or liability, for any reason, including if we determine you have violated these Terms.

Entire Agreement

The failure of us to exercise or enforce any right or provision of these Terms of Service shall not constitute a waiver of such right or provision.

These Terms of Service and any policies or operating rules posted by us on this site or in respect to the related services constitutes the entire agreement and understanding between you and us and govern your use of the site and related services, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms of Service).

Any ambiguities in the interpretation of these Terms of Service shall not be construed against the drafting party.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the state of Missouri, without regard to its conflict of law principles. Any legal action must be brought in the state or federal courts located in St. Louis County, Missouri.

Changes to the Terms

We may update these Terms from time to time. Any changes will be posted on this page, and the “Effective Date” will be updated accordingly. It is your responsibility to review these Terms periodically for any changes.