Terms of Use

Biscayne Financial Operations LLC
Effective date: [Insert publication date]

These Terms apply to your use of biscaynefin.com, operated by Biscayne Financial Operations LLC (“BFO,” “we,” “us,” or “our”). If a form or booking flow asks you to accept these Terms, your affirmative acceptance confirms your agreement. These Terms also apply to other site use to the extent permitted by law.

1. Website information and consultations

The site describes BFO’s bookkeeping and financial operations services and provides general business information. Site content, sample dashboards, and illustrative financial graphics are informational. They do not represent actual client results or guarantee a particular outcome. Website content and preliminary conversations are not tax, legal, investment, or audit advice and should not be relied on as advice for a specific situation.

An inquiry or a complimentary consultation does not create a client relationship or obligate either party to proceed. If you engage BFO, the signed service agreement governs scope, fees, confidentiality, and responsibilities. It controls if it conflicts with these website Terms on matters relating to the engagement.

2. Inquiries and communications

Provide accurate information when contacting us, and submit only information you are authorized to share. Use the public inquiry form for general requests. Keep passwords, bank credentials, card details, tax documents, and confidential financial records out of public forms and ordinary email. Ask BFO for the appropriate channel if sensitive records are needed.

You retain any rights you have in the information you submit. You give BFO and its service providers acting on its behalf limited permission to store, process, and use your submission to handle your request, operate the relevant website features, and maintain necessary records, subject to the Privacy Policy and any applicable service agreement. You represent that you have the right to provide the information and grant this permission.

Our Privacy Policy explains how we collect and use website and inquiry information, including certain uses for BFO marketing. Agreeing to these Terms does not itself authorize promotional texts, automated marketing calls, or use of confidential financial records for marketing.

3. Acceptable use and ownership

Use the site for lawful purposes. Do not interfere with its operation, attempt unauthorized access, impersonate others, submit malicious code, or use the site to collect information about other visitors without authorization.

The site’s text, graphics, logos, and design are owned by BFO or used with permission. You may view them and share links to public pages. Reproducing or distributing site content for commercial purposes requires permission from the applicable rights holder.

4. External services and access

The site may link to or embed third-party services, including consultation scheduling. Independently operated services are subject to their own terms and privacy practices. BFO does not control their content, availability, or security and is not responsible for failures outside its reasonable control. This does not change BFO’s responsibilities for information it provides to service providers acting on its behalf.

BFO may restrict or suspend access to protect the site or its users, address misuse, or comply with law. We may change, interrupt, or discontinue website features. BFO is not responsible for delays or interruptions caused by events outside its reasonable control, such as internet outages, severe weather, or service-provider failures.

5. Website warranties and limits on liability

To the extent permitted by law, the website and its general content are provided “as is” and “as available.” BFO disclaims express and implied warranties concerning the website, including merchantability, fitness for a particular purpose, and noninfringement. We do not warrant the accuracy or completeness of website content or uninterrupted or error-free access.

To the extent permitted by law, BFO is not liable for indirect, incidental, special, or consequential damages arising from your use of or inability to use the website, including reliance on website content, inaccuracies in information you submit, or the failure of third-party tools outside BFO’s reasonable control. BFO’s total liability for direct damages arising from website use under these Terms is limited to $100 in the aggregate.

These limits apply to website use only. They do not limit obligations or liability under a signed service agreement, liability for fraud, gross negligence or willful misconduct, or any rights, duties, or remedies that applicable law does not allow us to limit.

6. Third-party claims arising from misuse

To the extent permitted by law, you agree to reimburse BFO for reasonable losses and defense costs from a third-party claim to the extent the claim results from your unlawful misuse of the site, materially false information you knowingly submit, or submission of information that you were not authorized to share or that infringes another person’s rights. This obligation does not apply to the extent the claim results from BFO’s own acts or omissions.

7. Governing law and venue

Florida law governs these Terms, subject to mandatory protections that apply to you. Where permitted by law, disputes arising from these website Terms must be brought in the state courts in Miami-Dade County, Florida, or the United States District Court for the Southern District of Florida sitting in Miami, if it has jurisdiction. This section does not change the dispute provisions of a signed service agreement.

8. General terms

These Terms are the entire agreement between you and BFO about use of this website. A signed service agreement governs the engagement and controls if there is a conflict on engagement matters. If a provision of these Terms is held unenforceable, the rest remains in effect to the extent permitted by law. A delay or failure to enforce a provision does not waive it.

You may not assign your rights or obligations under these Terms without BFO’s written consent. BFO may assign these Terms in connection with a business transfer or reorganization, subject to applicable law.

9. Updates and contact

We will post updated Terms with a revised effective date. We will provide notice of material changes and request renewed acceptance where required. Where permitted by law, continuing to use the site after notice and the effective date of updated Terms constitutes acceptance for future use.

For questions, contact Biscayne Financial Operations LLC through the website’s Contact page or at [email protected].

Business Mailing Address
25 SE 2nd Ave, Ste 550 #905
Miami, FL 33131