Terms of Service

1. Agreement to Terms

By accessing or using the website ryanoconnellfinance.com ("Website"), the services provided by Ryan O'Connell Finance ("we," "us," or "our"), or any of our tools, calculators, or resources, you agree to be bound by these Terms of Service ("Terms").

If you do not agree to these Terms, you must not access or use our Website or services.

Eligibility

You must be at least 18 years old and capable of forming a binding contract to use our services. By using our Website, you represent and warrant that you meet these eligibility requirements.

Changes to Terms

We reserve the right to update these Terms at any time. We will notify you of material changes by posting the new Terms on this page and updating the "Effective Date." Your continued use of our services after changes constitutes acceptance of the revised Terms.

2. Description of Services

Ryan O'Connell Finance provides various financial services and resources, including but not limited to:

Professional Services

• Financial Consulting: Professional financial analysis and advisory services
• Expert Witness Services: Financial expertise for legal proceedings
• Financial Modeling: Custom financial model development and analysis
• Educational Content: Articles, guides, and resources on financial topics

Online Tools and Calculators

• Financial calculators (TVM, NPV, IRR, amortization, etc.)
• Stock market dashboards and comparison tools
• Portfolio optimization tools
• Investment analysis resources

Digital Resources

• Educational materials and guides
• Financial templates and models
• Market analysis and commentary
• Newsletter and blog content

3. Financial Information Disclaimer

No Investment Advice

Nothing on this Website constitutes:

• Personal investment advice or recommendations
• An offer to buy or sell securities or other financial instruments
• A solicitation for investment
• Tax, legal, or accounting advice

No Professional Relationship

Use of this Website does not create a client, advisory, fiduciary, or professional services relationship between you and Ryan O'Connell Finance unless explicitly agreed upon in a separate written agreement.

Investment Risks

All investments involve risk, including potential loss of principal. Past performance does not guarantee future results. You should:

• Consult with qualified professionals before making investment decisions
• Conduct your own research and due diligence
• Consider your individual financial situation and risk tolerance
• Not rely solely on information from this Website

Accuracy of Information

While we strive to provide accurate information:

• We do not guarantee the accuracy, completeness, or timeliness of any information
• Market data may be delayed or contain errors
• Calculations and tools are provided "as is" without warranty
• You should verify all information independently

4. Acceptable Use Policy

Permitted Use

You may use our Website and services for lawful purposes and in accordance with these Terms. You agree to use our services only for:

• Personal educational and informational purposes
• Professional research within the bounds of applicable law
• Accessing tools and calculators for legitimate financial analysis

Prohibited Uses

You may not:

• Use our services for any illegal or unauthorized purpose
• Violate any laws, regulations, or third-party rights
• Attempt to gain unauthorized access to our systems or user accounts
• Interfere with or disrupt the Website or servers
• Use automated systems or software to extract data (scraping)
• Transmit viruses, malware, or other harmful code
• Impersonate any person or entity
• Use our services to send spam or unsolicited communications
• Reverse engineer or attempt to discover source code
• Remove or alter any proprietary notices
• Use our content or tools for competing services without permission

Security

You are responsible for maintaining the confidentiality of any account credentials and for all activities under your account.

5. Intellectual Property Rights

Our Intellectual Property

All content on this Website, including but not limited to text, graphics, logos, images, audio, video, software, calculators, and tools, is the property of Ryan O'Connell Finance or its licensors and is protected by intellectual property laws.

Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to:

• Access and use the Website for personal, non-commercial purposes
• Download or print content for personal use
• Use our calculators and tools as intended

Restrictions

You may not:

• Reproduce, distribute, or create derivative works without permission
• Use our content for commercial purposes without license
• Remove copyright or proprietary notices
• Use our trademarks without authorization

Third-Party Content

Some content may be provided by third parties. Such content remains the property of the respective owners.

6. User Content and Feedback

User Submissions

By submitting content, feedback, suggestions, or other materials to us, you:

• Grant us a worldwide, perpetual, irrevocable, royalty-free license to use, modify, and distribute such content
• Represent that you have the right to submit the content
• Waive any moral rights in the content

Responsibility for Content

You are solely responsible for any content you submit and agree that it will not:

• Violate any laws or third-party rights
• Contain false, misleading, or defamatory information
• Include personal information of others without consent

7. Professional Services Terms

Engagement

Professional services (consulting, expert witness, financial modeling) are provided under separate written agreements that may include:

• Specific scope of work
• Deliverables and timelines
• Fees and payment terms
• Confidentiality provisions

Booking and Scheduling

• Appointments are subject to availability
• Cancellations must be made at least 24 hours in advance
• No-shows may be charged the full consultation fee
• We reserve the right to reschedule or cancel appointments

Confidentiality

Information shared during professional services engagements will be kept confidential, subject to legal requirements and professional obligations.

8. Payment Terms

Fees

• Professional services are billed at agreed-upon rates
• Standard consulting rate: $160 per hour (subject to change)
• Custom projects quoted individually
• All fees are in U.S. dollars

Payment Methods

We accept payment through approved methods, which may include:

• Credit/debit cards
• Bank transfers
• Electronic payment systems

Billing

• Invoices are due upon receipt unless otherwise specified
• Late payments may incur interest charges
• We reserve the right to suspend services for non-payment

Refunds

Refund policies vary by service type:

• Digital products: Generally non-refundable once downloaded
• Consultations: Refundable if cancelled 24+ hours in advance
• Custom projects: As specified in project agreement

9. Third-Party Services and Links

Third-Party Services

Our Website integrates with various third-party services for functionality such as:

• Market data and financial information
• Payment processing
• Email delivery
• Analytics and performance monitoring

External Links

Our Website may contain links to third-party websites. We are not responsible for:

• The content or practices of linked sites
• Products or services offered by third parties
• Your interactions with third-party services

Data Accuracy

Financial data from third-party sources may be delayed, inaccurate, or incomplete. Always verify information from multiple sources.

10. Disclaimers and Warranties

No Warranties

We disclaim all warranties, including but not limited to:

• Merchantability and fitness for a particular purpose
• Accuracy, reliability, or completeness of content
• Uninterrupted or error-free service
• Security of transmitted information
• Freedom from viruses or harmful components

No Guarantee of Results

We do not guarantee any specific results from using our services, tools, or information.

11. Limitation of Liability

Maximum Liability

Our total liability to you for all claims arising from or relating to these Terms or your use of our services shall not exceed the greater of:

• $100 USD, or
• The amount you paid us in the 12 months before the claim arose

Exclusions

This limitation applies to all claims, whether based on warranty, contract, tort, or any other legal theory, and whether or not we have been advised of the possibility of such damages.

Essential Purpose

These limitations shall apply even if any limited remedy fails of its essential purpose.

12. Indemnification

You agree to indemnify, defend, and hold harmless Ryan O'Connell Finance, its affiliates, officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use of our Website or services
• Your violation of these Terms
• Your violation of any third-party rights
• Any content you submit or transmit through our services
• Your violation of any applicable laws or regulations

13. Termination

Termination by Us

We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including if you breach these Terms.

Termination by You

You may stop using our services at any time. Termination does not relieve you of any obligations incurred prior to termination.

Effect of Termination

Upon termination:

• Your right to use our services ceases immediately
• We may delete your account and associated data
• Provisions that should survive termination will remain in effect

Survival

The following sections survive termination: Intellectual Property, User Content, Disclaimers, Limitation of Liability, Indemnification, and Governing Law.

14. Governing Law and Disputes

Governing Law

These Terms are governed by the laws of the State of Texas, United States, without regard to conflict of law principles.

Jurisdiction

Any disputes arising from these Terms or your use of our services shall be resolved exclusively in the state or federal courts located in Texas.

Dispute Resolution

1. Informal Resolution: We prefer to resolve disputes informally. Contact us first to attempt resolution.
2. Arbitration: If informal resolution fails, disputes shall be resolved through binding arbitration in accordance with the American Arbitration Association rules.
3. Exceptions: Small claims court actions and injunctive relief for intellectual property violations are excluded from arbitration.

Class Action Waiver

You agree to resolve disputes on an individual basis and waive any right to participate in a class action or class-wide arbitration.

15. General Provisions

Entire Agreement

These Terms constitute the entire agreement between you and Ryan O'Connell Finance regarding your use of our services.

Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

Waiver

Our failure to enforce any right or provision does not constitute a waiver of that right or provision.

Assignment

You may not assign or transfer these Terms or your rights hereunder. We may assign these Terms without restriction.

Force Majeure

We are not liable for any delay or failure to perform due to causes beyond our reasonable control.

Headings

Section headings are for convenience only and do not affect the interpretation of these Terms.

Electronic Communications

You consent to receive electronic communications from us. Electronic communications satisfy any legal requirement for written communications.

16. Contact Information

For questions about these Terms of Service, please contact us using the form below: