Terms of Service

Effective Date: March 21, 2026

These Terms of Service (“Terms”) govern your use of the website and services provided by GemPeak Financial & Advisory Services LLC, doing business as GemPeak Financial (“GemPeak,” “we,” “our,” or “us”).

By accessing this website or engaging our services, you agree to be bound by these Terms. If you do not agree with these Terms, please refrain from using this website or our services.

By using this website or purchasing services, you confirm that you are at least 18 years of age and legally capable of entering into a binding agreement.

1. Services

GemPeak Financial provides professional support to business owners, including:

Accounting and bookkeeping support
Financial reporting and KPI dashboards
Business planning and business plan preparation
Fractional CFO guidance and financial insights

Our services are intended to support business owners in understanding their financial information and planning business strategies. Services are performed based on information provided by the client and may involve collaboration with the client’s CPA, tax professional, or other advisors when appropriate.

2. Client Responsibilities

Clients are responsible for providing accurate, complete, and timely financial and business information necessary to perform services.

GemPeak Financial does not independently verify the accuracy or completeness of information provided by the client or third parties. Clients remain solely responsible for all financial records, accounting decisions, tax reporting, and business decisions.

Clients are encouraged to consult their CPA, tax professional, or other qualified advisors regarding accounting methods, tax implications, or financial strategies.

Accounting Software and Bookkeeping Services

Bookkeeping and accounting support services are performed using accounting software platforms selected or authorized by the client, including QuickBooks Online when applicable. Clients retain ownership and control of their accounting records and are responsible for reviewing financial information generated within their accounting system. GemPeak Financial relies on information and documentation provided by the client and does not independently verify its accuracy. Clients are responsible for maintaining active subscriptions and paying all fees associated with any accounting software platforms used for their services.

3. No Professional Advice

Information provided through this website, consultations, or services is for general informational and educational purposes only.

GemPeak Financial does not provide legal advice, tax advice, or licensed accounting services. Nothing provided through this website or our services should be interpreted as a substitute for advice from a CPA, tax professional, attorney, or other licensed professional.

GemPeak Financial does not act as the client’s accountant of record and does not assume responsibility for the preparation or filing of tax returns, audited financial statements, or compliance with regulatory reporting requirements.

Clients should consult their CPA, tax professional, or other licensed advisors regarding accounting treatment, tax matters, and financial decisions.

4. Intellectual Property

All materials available on this website—including text, graphics, branding, logos, and downloadable resources—are the property of GemPeak Financial unless otherwise stated.

These materials are protected by applicable intellectual property laws and may not be reproduced, modified, distributed, or used for commercial purposes without prior written consent.

Business plans or materials prepared for clients remain the property of the client upon full payment but may not be redistributed or resold without permission.

5. Use of Website

You may access and use this website for lawful purposes only. You agree not to:

misuse or attempt to interfere with the website’s operation
scrape or collect data from the site without authorization
distribute malicious software or spam through the site
use the website for unlawful activities

GemPeak Financial reserves the right to restrict access to the website if misuse is detected.

6. Payments

Payment terms for services will be communicated in advance and may be outlined in a separate service agreement.

By submitting payment, you confirm that you are authorized to use the payment method provided.

7. Refund Policy

Due to the nature of professional services provided, payments for services are generally non-refundable once work has commenced.

Any exceptions to this policy will be addressed on a case-by-case basis and may be outlined in a separate client agreement.

8. Disclaimer of Warranties

All services and information provided by GemPeak Financial are offered “as is” without warranties of any kind, either express or implied.

GemPeak Financial does not guarantee financial results, business outcomes, financing approvals, or business performance.

9. Limitation of Liability

To the fullest extent permitted by law, GemPeak Financial shall not be liable for any indirect, incidental, or consequential damages arising from the use of our website or services.

Any liability related to services provided shall be limited to the total fees paid by the client for those services.

Clients acknowledge that GemPeak Financial relies on information provided by the client and that the client remains responsible for all financial, accounting, and business decisions.

10. Third-Party Links

Our website may contain links to third-party websites or services. GemPeak Financial is not responsible for the content, policies, or practices of external websites.

11. Changes to These Terms

GemPeak Financial may update these Terms periodically. Updated versions will be posted on this website with a revised effective date.

Continued use of the website or services after updates constitutes acceptance of the revised Terms.

12. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of the State of Idaho, without regard to conflict of law principles.

Any disputes arising from these Terms or the use of our services shall be resolved in the appropriate courts located in Idaho.

13. Contact Information

If you have questions regarding these Terms, please contact:

GemPeak Financial & Advisory Services LLC

DBA GemPeak Financial
PO Box 1217

Meridian, ID 83680
info@gempeakfin.com
208-546-9389