Terms & Conditions

1. Scope of services

Zobov & Partners provides dedicated CFO advisory, controller and finance-team services, financial planning and analysis, financial reporting and accounting support, financial systems and automation, and transaction, private equity, IPO-readiness, and restructuring support to businesses. The specific services, deliverables, fees, and responsibilities for any client engagement are defined exclusively in a written engagement letter signed by both parties. No client relationship is created by using this website, contacting us, or taking part in an introductory conversation.

2. Website content is not professional advice

Content on this website — including service descriptions, comparison pages, articles, and worked examples — is general information only. It is not accounting, tax, legal, or investment advice, and it does not account for your specific circumstances. Do not act on website content without obtaining advice specific to your situation. Our Legal Disclaimer forms part of these Terms.

3. Credentials and regulated services

The accounting designation held by our founder is CPA (Australia). Zobov & Partners is not a licensed public accounting firm in the United States and does not perform audit, review, attestation, or other assurance services. We are not a law firm, a registered investment adviser, a broker-dealer, or a licensed tax preparer. We coordinate with your tax advisor and other licensed professionals; we do not replace them.

4. Fees and payment

Our engagements are priced as a fixed monthly retainer, or as a fixed project fee, scoped to the size and complexity of the business and agreed in writing before work begins. Descriptions of pricing on this website are general; the fee in your signed engagement letter is the one that governs. Unless otherwise agreed, invoices are due upon receipt, overdue accounts may result in suspension of services, and fees for completed work are non-refundable unless otherwise agreed in writing.

5. Client responsibilities

Engaged clients agree to provide complete, accurate, and timely records and information; to disclose all facts relevant to the services; to review deliverables and raise concerns promptly; to maintain their own accounting systems, bank access, and payroll and tax filings unless our engagement letter says otherwise; and to retain responsibility for the business decisions made using the financial information and analysis we provide.

6. Confidentiality

We treat client information as confidential and disclose it only as needed to deliver services, with your authorization, or as required by law. See our Privacy Policy for how website visitor information is handled.

7. Limitation of liability

To the maximum extent permitted by law, Zobov & Partners is not liable for: decisions or actions taken by you or third parties in reliance on information from this website; consequences of incomplete, inaccurate, or late information provided by a client; the acts or omissions of third-party platforms, lenders, payers, investors, or counterparties; or indirect, incidental, special, or consequential damages, including loss of profit, arising from use of this website or our services. For engaged clients, our total liability for any claim arising from an engagement is limited to the fees paid for the services giving rise to the claim during the twelve months preceding it, except where such a limitation is prohibited by law.

8. Third-party platforms

We deliver services using established third-party platforms, including cloud accounting, forecasting, payroll, banking, and secure document systems selected by the client or by us. We select reputable providers but are not responsible for outages, errors, data loss, or security incidents attributable to those third parties.

9. Intellectual property

All content on this website — text, graphics, logos, illustrations, tables, and downloadable resources — belongs to Zobov & Partners or its licensors and may not be reproduced or distributed without written permission, except for your personal, non-commercial reference with attribution. Models, templates, and reporting formats we build during an engagement remain our intellectual property unless the engagement letter provides otherwise; clients receive a license to use the deliverables produced for them.

10. Termination

Either party may terminate an engagement in writing in accordance with the engagement letter. On termination, fees incurred to date remain payable; client documents and data will be returned or made available in a usable format, and we may retain copies as required by professional and legal obligations.

11. Governing law

These Terms and any dispute relating to this website or our services are governed by the laws of the State of Florida, without regard to its conflict-of-laws rules. Venue for any dispute lies in the state or federal courts located in Miami-Dade County, Florida, unless a signed engagement letter provides otherwise.

12. Changes to these Terms

We may update these Terms from time to time. Changes are posted on this page with a revised "Last updated" date. Continued use of the website after changes constitutes acceptance.

13. Contact

Questions about these Terms: [email protected] · (323) 834-3681.