Disclaimer

1. General disclaimer

The information on this website (www.naturalharmonics.financial) and provided through the services of Natural Harmonics Financial (“NHF,” “we,” “our,” or “us”) is for general informational and professional bookkeeping and financial-management purposes only. While we make every effort to ensure accuracy, NHF makes no representations or warranties, express or implied, about the accuracy, reliability, suitability, or availability of any information, service, or related content.

Your use of this website and any reliance on its information is at your own risk.

2. Not a CPA or public accounting firm

Natural Harmonics Financial is a bookkeeping and financial-management firm. We are not a licensed certified public accounting (CPA) firm. We do not perform audits, reviews, compilations, or other attest or assurance engagements, and we do not issue opinions on financial statements. Any financial statements we prepare are management-use statements based on the information provided to us and are not audited or reviewed. Engagements requiring a licensed CPA are referred to, or coordinated with, an independent CPA firm.

3. Not tax advice

Nothing on this website or in any NHF communication, document, or deliverable constitutes tax advice or tax-return preparation. We do not prepare or file federal, state, or local income-tax returns, determine tax positions, or represent clients before the IRS or any state or local taxing authority. We prepare and organise the books and records your tax preparer needs. For tax advice and filings, consult a licensed CPA or an Enrolled Agent. We are glad to make an introduction.

4. Not legal advice

Nothing on this website or in any NHF communication constitutes legal advice, and no attorney-client relationship is formed by engaging NHF or reviewing this website. For questions about entity structure, contracts, employment law, or any legal matter, consult a licensed attorney in your jurisdiction.

5. Not investment or financial-planning advice

Cash-flow forecasts, budgets, KPI analysis, and other financial-management deliverables are decision-support tools based on historical data and assumptions you approve. They are not investment advice, securities recommendations, personal financial planning, or a guarantee of future performance. NHF is not a registered investment adviser or broker-dealer.

6. No guarantee of financial outcomes

We provide our services with professional care and to a defined standard, including an on-time monthly close. However, we do not guarantee any specific financial result, including profitability, cash position, loan approval, valuation, tax outcome, or business performance. Results depend on many factors outside our control, including your decisions, market conditions, customer behaviour, and the accuracy and completeness of the information you provide.

7. Reliance on client-provided information

Our work relies on the completeness and accuracy of the records, statements, documents, and explanations you provide and the access you grant. We are not responsible for errors or omissions arising from incomplete, inaccurate, or withheld information, or from transactions or accounts not disclosed to us. We may rely on your representations without independent verification unless the engagement letter states otherwise.

8. Third-party links & services

This website and our operations reference or integrate third-party services, including Stripe, Infomaniak, Intuit / QuickBooks, Xero, Gusto, Bill.com, Ramp, Google, and mapping providers. NHF does not endorse, control, or assume responsibility for the content, security, accuracy, or availability of any third-party service. Review their terms and privacy policies before use.

9. Website availability & accuracy

We strive to keep this website operational and current but do not warrant that it will be available at all times, free from error, or that any content, pricing, or service description is complete or current. Pricing shown is indicative; your fee is set in your engagement letter. We may modify or remove content at any time without notice.

10. Testimonials & scenarios portrayed

Client scenarios, “illustrative engagements,” and outcomes described on this website are composite or representative examples that reflect how we work; they are not statements from specific clients and are not necessarily typical. Individual results vary based on the factors in Section 6.

11. Limitation of liability

To the fullest extent permitted by law, NHF and its principals, employees, contractors, and service providers shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from your use of or reliance on this website or our services; any failure to achieve a financial, tax, or business outcome; interruptions, errors, or omissions; the acts or omissions of third parties; or decisions you make based on our deliverables.

To the extent any liability is found, NHF’s total liability in connection with an engagement shall not exceed the fees actually paid by you to NHF for the services giving rise to the claim in the twelve (12) months preceding it, except where such a limit is not permitted by law.

12. Governing law & jurisdiction

This Disclaimer and any dispute arising from your use of this website or our services are governed by the laws of the State of California, without regard to conflict-of-law principles. Any dispute shall be subject to the exclusive jurisdiction of the state and federal courts located in the City and County of San Francisco, California.

13. Changes to this Disclaimer

We may update this Disclaimer from time to time. Updates are posted here with a revised “Last updated” date. Continued use of this website after a change constitutes acceptance of the updated Disclaimer.

14. Contact us

This Disclaimer does not constitute legal advice. Consult a qualified attorney for guidance specific to your circumstances.