1. Acceptance of Terms

By accessing or using this website (the “Site”), providing your contact information, email communication with Ferrum CPA, or opting in to receive SMS/MMS messages from Ferrum CPA, you agree to these Terms & Conditions and our Privacy Policy. If you do not agree, please do not use the Site or mobile messaging services.

2. Services & Use of the Site

Our Site describes the services offered by Ferrum CPA: full-service finance department support, transaction advisory, financial reporting, tax services, and related professional services.

You agree to use the Site and our services only for lawful, appropriate purposes. You must not:
- Use the Site to engage in fraudulent, illegal, or harmful activity.
- Upload or transmit viruses, spam, malicious code, or any material that interferes with the Site’s operations.
- Attempt unauthorized access to systems, data, or accounts belonging to Ferrum CPA or other users.

Violation of these terms may result in suspension or termination of access or messaging privileges.

3. SMS/MMS Messaging Program and Email

3.1 Consent to Receive Messages:
If you provide your mobile phone number and opt-in, you consent to receive mobile text messages (SMS/MMS) from Ferrum CPA relating to service updates, reminders, or information about your account or our services. Message frequency may vary, and message & data rates may apply from your carrier.

3.2 Opt-Out Instructions:
You may opt out at any time by replying STOP to any text message. After opting out, you will no longer receive marketing or informational texts, except for required legal or transactional messages.

3.3 Support:
For help, reply HELP to any message or contact us at info@fe.cpa.

3.4 Carrier Disclaimer:
Mobile carriers are not liable for delayed, lost, or undelivered messages or for service interruptions.

3.5 Email Communication:
By providing your email address or contacting us electronically, you consent to receive email communications from Ferrum CPA Professional Corporation. These may include service updates, responses to inquiries, or informational messages related to our services. You can unsubscribe at any time by contacting info@fe.cpa.

4. Intellectual Property

All content on the Site (text, graphics, logos, images, icons, software) is owned by Ferrum CPA or its licensors. You may view and download content for your personal, non-commercial use only. No part may be reproduced, distributed, or modified without our prior written permission.

5. Disclaimers & No Professional Advice

The content on this Site and any messages delivered by mobile and emails are for general informational purposes only and do not constitute professional financial, tax, accounting, or legal advice. Although we strive for accuracy, we make no guarantee as to completeness or correctness of the information. You should consult your own advisor before acting on any matter.

6. Limitation of Liability

To the fullest extent allowed by law, Ferrum CPA, its affiliates, officers, employees, agents, or licensors are not liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from your use of this Site or messaging service, even if we have been advised of the possibility of such damages.

7. Links to Other Websites

The Site may contain links to third-party websites for your convenience. We do not control these sites, and are not liable for their content or practices. Use them at your own risk.

8. Privacy

Your use of the Site and any associated messaging and email services are also governed by our Privacy Policy. Please review it to understand how we collect, use, and protect your information.

9. Changes to These Terms

We may update these Terms & Conditions from time to time. The revised version will be posted on this page. Your continued use of the Site or messaging after changes constitutes your acceptance of the updated terms.

10. Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of Ontario. Any dispute shall be resolved in the courts of Toronto, Ontario unless otherwise specified in writing.

11. Contact Us

If you have any questions about these Terms & Conditions or our messaging and email services, please contact us at:
Ferrum CPA Professional Corporation
Email: info@fe.cpa