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Terms & Conditions

1. Acceptance of Terms
 

By accessing or using this website or any of the services provided through ZHAM Financial Services ("we," "our," "us"), you agree to be bound by these Terms & Conditions (“Terms”). If you do not agree, please refrain from using this website or our services.
 

2. Nature of Services
 

ZHAM Financial Services provides:

  • Professional bookkeeping and financial support services

  • Self-managed bookkeeping setups and guidance

  • Access to a bookkeeping internship program

  • Inquiry submission portals for real estate and insurance-related guidance, where referrals may be made to in-house or external licensed professionals

Our services may be delivered directly, through in-house professionals, or via outsourced, trusted third parties, depending on the needs of the client.
 

3. Use of Website
 

You agree to use this site only for lawful purposes. You may not:

  • Impersonate another person

  • Misrepresent your identity or relationship with any entity

  • Use the website to engage in any fraudulent or malicious activity

  • Attempt to access unauthorized areas or interfere with site functionality

We reserve the right to terminate or restrict your access at any time without notice for any misuse of our site or services.
 

4. User Information and Privacy
 

All personal information you submit through this site is handled in accordance with our Privacy Policy, which you are encouraged to read. You agree that any data you submit may be used to provide services or fulfill your inquiry, and may be shared with contracted professionals solely for that purpose.

We are not liable for the actions of referred professionals or external parties you may engage through your inquiry unless we are directly contracted for that specific service.
 

5. Payment and Refunds
 

For services that require payment, terms will be clearly stated prior to purchase. Payment methods may include debit/credit cards or digital transfers.

Refunds are considered on a case-by-case basis and are not guaranteed. Clients are expected to communicate clearly before purchasing and adhere to agreed service scopes. We reserve the right to decline refunds for work already delivered or contracted.
 

6. Intellectual Property
 

All content on this site, including text, graphics, branding, logos, and digital materials, is the property of ZHAM Financial Services unless otherwise noted. You may not copy, distribute, or reuse our materials without express written permission.
 

7. Third-Party Services and Referrals
 

ZHAM Financial Services may refer you to licensed professionals (e.g., real estate agents, insurance agents, tax advisors) or outsource part of your project to trusted third parties. While we strive to work with reputable partners, we are not liable for services rendered by third parties unless we are directly responsible for managing those services under contract.

By using our inquiry form, you authorize us to share relevant data with affiliated professionals for the sole purpose of fulfilling your request.
 

8. Internship Program Disclaimer
 

Participation in our internship program does not guarantee job placement, certification, or employment. The program is intended for educational and experiential learning purposes only. We reserve the right to accept, deny, or remove any participant at our discretion.
 

9. Disclaimer of Warranties
 

This website and our services are provided "as is" and “as available” without any warranties, express or implied. We do not guarantee that the site will operate error-free, or that the services will meet every user’s expectations. While we strive to provide accurate and helpful information, we cannot guarantee any specific results.
 

10. Limitation of Liability
 

To the fullest extent permitted by law, ZHAM Financial Services shall not be liable for any indirect, incidental, special, or consequential damages arising out of or related to your use of this site or our services. This includes lost profits, data loss, or service interruption, even if we have been advised of the possibility.
 

11. Changes to Terms
 

We reserve the right to modify or update these Terms at any time. Changes will be posted on this page with an updated effective date. Continued use of the website or services after any change constitutes your acceptance of the new Terms.
 

12. Governing Law
 

These Terms are governed by the laws of the State of California, without regard to conflict of law principles. Any disputes will be resolved exclusively in the appropriate courts of Los Angeles County, California.
 

13. Contact Information
 

For any questions regarding these Terms or your use of our site, please contact us at:
📧 zhamfinancialservices@gmail.com
 

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