Legal Disclaimer

1. No professional advice

All content on this website — including service pages, industry pages, comparison pages, articles, worked examples, and frequently asked questions — is provided for general informational purposes only. It does not constitute accounting, tax, legal, or investment advice, and it is not a substitute for advice from a qualified professional who has reviewed your specific circumstances. Financial, tax, and regulatory outcomes depend on individual facts, and the right answer for one business is frequently the wrong answer for another.

2. No client relationship

Reading this website, submitting the contact form, sending an email, telephoning us, or taking part in an introductory conversation does not create a client relationship or any duty of care. A client relationship is formed only by a written engagement letter signed by both parties, which sets out the scope of services, deliverables, fees, and responsibilities. Until an engagement letter is signed, nothing you send us is subject to the obligations owed to a client, and nothing on this website should be treated as advice given to you.

3. Illustrative figures and examples

Figures, rates, ranges, scenarios, and worked examples on this site — including those presented as tables, calendars, or hypothetical practices and businesses — are illustrative only. They are composites constructed to explain a method, not the data or results of any client, and they are not testimonials, benchmarks, or predictions of the outcome of any engagement. Your results will depend on your facts.

4. No guarantee; accuracy and currency

We make reasonable efforts to keep the content of this website accurate, but we do not warrant that it is complete, current, or error-free. Accounting standards, tax law, payer rules, lending practices, and market conditions change frequently, and material on this site may not reflect those changes at the time you read it. We may modify or remove content at any time without notice. Nothing on this site guarantees any financial, operational, tax, or transaction outcome.

5. Credentials and regulated services

Where professional credentials are referenced on this site, the accounting designation held by our founder is CPA (Australia), conferred by the Australian professional accounting body of that name. Zobov & Partners is not a licensed public accounting firm in the United States and does not perform audit, review, attestation, or other assurance services, and nothing on this site should be read as an offer to do so. We are not a law firm, a registered investment adviser, a broker-dealer, or a licensed tax preparer, and we do not provide legal, investment, or securities advice. Where your situation requires such services, we will say so and, where helpful, refer you to appropriately licensed professionals.

6. Comparisons and third parties

Where this site compares ways of structuring a finance function — bookkeepers, software platforms, fractional CFOs, full-time hires — those descriptions are general characterizations of categories of service, not evaluations of any specific provider. This site may link to third-party websites and resources for convenience. We do not control those sites, are not responsible for their content, availability, or practices, and do not endorse them.

7. Limitation of liability

To the maximum extent permitted by law, Zobov & Partners, its founder, and its personnel accept no liability for any loss or damage arising from actions taken, or not taken, in reliance on the content of this website, including direct, indirect, incidental, special, and consequential losses and loss of profit. This limitation applies to website content only; the responsibilities we owe engaged clients are set out in the applicable engagement letter and are governed by its terms.

8. Governing law

This disclaimer, and any dispute relating to the content of this website, is governed by the laws of the State of Florida, without regard to its conflict-of-laws rules. Venue for any such dispute lies in the state or federal courts located in Miami-Dade County, Florida.

9. Consult a professional

Before acting — or deciding not to act — on anything you read here, obtain advice specific to your situation from a qualified professional. If that professional is us, the engagement begins with a conversation and a signed engagement letter, not with this website. Questions about this disclaimer: [email protected].