1. Introduction

Welcome to Silver Financial. These Terms of Service (“Terms”) govern your access to and use of our website, platform, and related services (collectively, the “Services”). By using our Services, you agree to these Terms and to our Privacy Policy. If you do not agree, please discontinue use immediately.

Silver Financial Technology Inc. (“Silver Financial,” “we,” “our,” or “us”) is a U.S.-based provider of professional bookkeeping, tax filing, financial reporting, business credit monitoring, and fractional CFO services.

2. Scope of Services

Silver Financial provides business financial management and reporting services, including but not limited to:

• Bookkeeping and reconciliation

• Federal and state tax preparation and filing

• Preparation and maintenance of financial statements

• Business credit profile creation and monitoring

• Fractional CFO and advisory support
  
  

We do not provide legal, investment, or personal financial advice. Our services are designed for business entities and should not be construed as fiduciary or advisory beyond the scope of accounting and compliance preparation.

3. Account Registration & Access

To access certain Services, you may be required to create an account. You agree to:

• Provide accurate and complete information during registration.

• Maintain the confidentiality of your login credentials.

• Notify us immediately of any unauthorized access or security concerns.
  
  

Silver Financial reserves the right to suspend or terminate accounts that violate these Terms or pose a security risk.

4. Data Security

We maintain strict security protocols aligned with NIST SP 800-53 and 800-171 standards.

This includes encryption of data in transit and at rest, role-based access controls, and continuous monitoring. While we employ industry-leading measures, no system is entirely immune from risk. By using our Services, you acknowledge and accept this residual risk.

For more detail, please refer to our Security & Compliance page.

5. Client Responsibilities

Clients are responsible for providing accurate and timely information necessary to perform our Services. We are not liable for errors or delays caused by incomplete or inaccurate data, or for consequences arising from actions taken based on client-provided information.

Clients remain responsible for their own compliance with applicable federal, state, and local laws.

6. Fees and Payments

Unless otherwise stated in a separate service agreement, fees are billed on a recurring or project basis. Payment terms are specified in your engagement proposal or invoice. Failure to make timely payment may result in suspension of Services.

All fees are non-refundable once work has commenced.

7. Confidentiality

All information provided by clients is treated as confidential. Silver Financial employees and contractors are bound by confidentiality agreements and internal policies restricting access to client data. We do not disclose client information to third parties except as required by law or with explicit written consent.

8. Intellectual Property

All content, platform features, designs, logos, and underlying software are the property of Silver Financial Technology Inc. or its licensors. You may not copy, reproduce, modify, or distribute our materials without prior written permission.

Client-owned materials and data remain the exclusive property of the client.

9. Limitation of Liability

To the maximum extent permitted by law, Silver Financial shall not be liable for:

• Any indirect, incidental, or consequential damages;

• Loss of profits, business, or data;

• Errors resulting from client-provided information; or

• Service interruptions or delays beyond our reasonable control.
  
  

Our total liability in any claim shall not exceed the total amount paid by the client for Services within the twelve (12) months preceding the event giving rise to the claim.

10. Indemnification

You agree to indemnify and hold harmless Silver Financial, its officers, directors, and employees from any claims, damages, or expenses arising from your use of our Services or violation of these Terms.

11. Service Modifications

We may update, enhance, or discontinue certain features of our Services at any time. Material changes will be communicated in advance through our website or direct notice to active clients.

12. Termination

Either party may terminate engagement by providing written notice in accordance with the terms of the service agreement. Upon termination, all outstanding fees remain due, and client data will be retained or deleted as specified in our retention policy.

13. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law principles.

Any disputes arising under these Terms shall be resolved in the state or federal courts located in New York County, New York.

14. Contact Information

For questions or concerns regarding these Terms, please contact us:

Silver Financial Technology Inc.

68 Jay St Email: hello@silverfinancial.ai