Terms & Privacy Policy

FCF Intelligence Terms of Use & Privacy Policy
‍Effective Date: September 3, 2026
Last Updated: September 3, 2026

‍FCF Intelligence is a brand operated by FCF Consulting Partners LLC ("FCF Intelligence," "we," "us," or "our").These Terms of Use and Privacy Policy ("Terms") govern your access to and use of the FCF Intelligence website, including any assessments, forms, calculators, reports, informational resources, or other features made available through the website (collectively, the "Site").By accessing or using the Site, you agree to these Terms. If you do not agree with these Terms, please do not use the Site.We may update these Terms periodically. The date above identifies the most recent revision. Your continued use of the Site after an update constitutes acceptance of the revised Terms to the extent permitted by applicable law.1. About FCF IntelligenceFCF Intelligence provides financial, accounting, reporting, tax advisory, financial analysis, forecasting, financial readiness, and related professional services to businesses.FCF Intelligence is a brand of FCF Consulting Partners LLC and is not a separate legal entity.Use of this Site does not by itself create a client, accountant-client, advisor-client, fiduciary, or other professional relationship between you and FCF Consulting Partners LLC.A professional relationship is created only when we enter into a written engagement agreement with you.2. EligibilityYou must be at least 18 years old to use this Site.By using the Site, you represent that:You are at least 18 years old.You have the legal capacity to agree to these Terms.Information you provide to us is accurate to the best of your knowledge.You will use the Site only for lawful purposes.3. Website information is not professional adviceInformation provided on the Site is for general informational and educational purposes.Nothing on the Site should be considered individualized:Accounting adviceTax adviceLegal adviceInvestment adviceSecurities adviceEstate planning adviceValuation adviceFinancing adviceTransaction adviceInvestment banking adviceFinancial and tax outcomes depend on the specific facts and circumstances of each business and individual.Do not take or refrain from taking a material financial, tax, legal, investment, or business action solely based on information contained on this Site.Where professional advice is required, the relevant facts should first be reviewed as part of an appropriate professional engagement.4. Assessments, scores, estimates, and calculatorsThe Site may include assessments, questionnaires, financial readiness tools, calculators, estimates, benchmarks, or a Financial Intelligence Score.These tools are intended to help identify potential financial questions, gaps, or areas that may deserve further review.They are not:AuditsReviewsCompilationsAttestation servicesTax opinionsCredit decisionsValuationsFairness opinionsInvestment recommendationsGuarantees of financial performanceGuarantees that financing will be obtainedGuarantees of tax savingsGuarantees of transaction readinessResults may be based in whole or in part on information you provide and may not be independently verified.An assessment result, estimate, or score should be treated as a preliminary informational indicator, not a professional conclusion.5. No guarantee of resultsWe may discuss business performance, financial improvement, free cash flow, tax planning, financial readiness, financing, transactions, or other financial objectives.We do not guarantee:Increased profitabilityIncreased free cash flowTax savingsFinancing approvalImproved valuationSuccessful transactionsBusiness growthSpecific financial resultsBusiness results depend on facts and circumstances, including factors outside our control.Any examples, illustrations, projections, scenarios, or case studies are provided for informational purposes unless expressly stated otherwise.6. Client engagementsIf you engage FCF Intelligence or FCF Consulting Partners LLC for professional services, those services will be governed by a separate written engagement agreement.That agreement may include provisions regarding:ScopeFeesResponsibilitiesConfidentialityData handlingRecord retentionLimitations of liabilityDispute resolutionTerminationIf there is a conflict between these Terms and an executed engagement agreement regarding professional services, the engagement agreement controls for those services.7. Artificial intelligence and technologyFCF Intelligence uses AI-enabled technology, automation, and other software to support certain aspects of our work.Technology may assist with:Processing and organizing informationExtracting information from documentsConnecting data across systemsIdentifying patterns or anomaliesSupporting financial analysisReportingSummarizationInformation retrievalDrafting or organizing internal work productWorkflow automationReducing repetitive administrative workOur operating principle is:AI-powered. Human-led.Technology supports our professionals. It does not replace professional judgment, interpretation, planning, accountability, or client-facing financial advice.Material professional conclusions and recommendations are subject to human review appropriate to the engagement.Use of information with AI providersWhere we use third-party AI providers to process confidential business or client information, we seek to use business or enterprise services, contractual protections, and account configurations designed to restrict unauthorized secondary use of that information.We do not intentionally submit confidential client information to consumer-grade AI accounts or authorize confidential client information to be used to train publicly available general-purpose AI models.Technology providers may process information on our behalf as service providers or processors, subject to their applicable agreements, security controls, and our instructions.We may change technology providers as our systems evolve. Any such use remains subject to this Privacy Policy, applicable engagement agreements, and our confidentiality obligations.8. Information we collectThe information we collect depends on how you interact with us.8.1 Information you provideWe may collect:NameBusiness nameJob titleEmail addressTelephone numberBusiness websiteBusiness addressInformation submitted through formsAssessment responsesFinancial Intelligence Score responsesMeeting scheduling informationCommunications with usDocuments you voluntarily provideBilling or payment informationIf you become a client, we may also collect or receive financial, accounting, tax, payroll, ownership, operational, transaction, or other business information necessary to perform the services you request.8.2 Information from systems and third partiesWhen authorized, we may receive information from:Accounting platformsBanks and financial institutionsPayroll providersPayment systemsCustomer relationship management systemsEnterprise softwareTax platformsOperational systemsReferral sourcesProfessional contactsPublicly available sourcesOther authorized third-party services8.3 Information collected automaticallyWhen you use the Site, we may automatically collect:IP addressBrowser informationDevice informationOperating systemPages viewedReferring websiteDate and time of visitsGeneral geographic information derived from IP addressSite interactionsCookie or similar technology identifiers9. How we use informationWe may use information to:Respond to inquiriesSchedule meetingsProvide assessments or requested informationEvaluate whether our services may be appropriateEstablish and manage client relationshipsDeliver professional servicesProcess and analyze financial informationCommunicate with clients and prospective clientsProcess paymentsOperate and improve the SiteImprove our workflows and servicesMaintain recordsProtect our systems and businessDetect fraud, misuse, or security incidentsComply with legal, professional, regulatory, and contractual requirementsEstablish, exercise, or defend legal claimsSend permitted marketing communicationsWe do not use personal information for materially different purposes without appropriate notice or consent where required.10. How we share informationWe do not sell personal information for money.We may disclose information when reasonably necessary to operate our business or provide services.Recipients may include:Cloud hosting providersData storage providersAccounting software providersTax software providersPayment processorsCRM systemsEmail providersCommunications providersScheduling platformsWebsite hosting providersAnalytics providersCybersecurity providersDocument management systemsAI providersAutomation providersProfessional advisersContractors or personnel supporting an engagementGovernment authorities when legally requiredOther parties you authorizeWe seek to limit information disclosed to service providers to what is reasonably necessary for the applicable purpose.No sale of confidential client dataWe do not sell client financial information, tax information, business records, assessment responses, Financial Intelligence Score responses, or other confidential client information to data brokers, lead-generation businesses, or third parties for their independent marketing purposes.We do not use confidential client information for third-party behavioral advertising.If we use website technologies that constitute a "sale," "sharing," or use for targeted advertising under applicable privacy law, we will provide any notice, consent mechanism, or opt-out required by that law.11. Marketing communicationsWhere permitted by law, we may send communications regarding:FCF IntelligenceFCF Consulting PartnersFinancial topicsEducational contentEventsRelevant professional servicesYou may unsubscribe from marketing emails through the unsubscribe mechanism included in those communications.You may continue to receive administrative, security, engagement-related, or transactional communications.12. Text messages and mobile informationIf you provide a mobile telephone number and consent to receive text messages, we may use that number for the purposes described when consent is provided.Mobile numbers, text-message opt-in information, and text-message consent will not be sold, rented, or shared with third parties or affiliates for their own marketing or promotional purposes.Limited information may be provided to communications vendors that deliver messages on our behalf.Consent to marketing text messages is not a condition of purchasing services.Where supported, you may opt out by replying STOP.13. Cookies and similar technologiesThe Site may use cookies and similar technologies to:Operate the SiteMaintain securityRemember preferencesUnderstand Site usageMeasure performanceDetermine how visitors reach our SiteWhere required by law, we will request consent before using non-essential cookies or provide an appropriate mechanism to control them.You may also control cookies through your browser settings. Some Site functionality may be affected if cookies are disabled.Where required by applicable law, we will honor supported browser-based privacy preference signals for activities covered by those signals.14. Data securityWe maintain administrative, technical, and organizational safeguards designed to protect information against unauthorized access, disclosure, alteration, loss, or misuse.Depending on the system and information involved, safeguards may include:Access controlsMulti-factor authenticationBusiness-grade technology accountsEncryption where appropriateNeed-based access restrictionsBackup proceduresSecurity controls maintained by service providersVendor reviewEmployee and contractor confidentiality obligationsSecurity monitoringNo internet transmission, network, or storage system is completely secure.We therefore cannot guarantee absolute security.15. Data retentionWe retain information for as long as reasonably necessary to:Provide servicesMaintain professional and business recordsSatisfy tax, accounting, legal, regulatory, or contractual requirementsMaintain securityPrevent fraudResolve disputesEnforce agreementsMaintain backups and business continuityRetention periods vary depending on the nature of the information and the relationship involved.When information is no longer reasonably required, we may delete, anonymize, or securely dispose of it.16. Your privacy rightsDepending on your location and applicable law, you may have rights regarding your personal information.These may include the right to:Know whether we process your informationRequest accessRequest correctionRequest deletionRequest a portable copyWithdraw consent where processing depends on consentOpt out of certain sales, sharing, targeted advertising, or profilingLimit certain uses of sensitive personal informationAppeal certain privacy decisionsExercise privacy rights without unlawful discriminationThese rights are subject to applicable law and exceptions.We may retain information where required or permitted for:Tax purposesAccounting purposesLegal obligationsProfessional recordkeepingSecurityContractual obligationsClaims or disputesTo submit a privacy request, contact us using the information at the end of these Terms.We may need to verify your identity before completing a request.An authorized agent may submit a request where permitted by law, subject to applicable verification requirements.17. Client information received from businessesMany FCF Intelligence services involve information relating to businesses.Business records may include personal information about:OwnersEmployeesCustomersVendorsContractorsOther individualsWhen a client provides personal information to us so that we can perform services, FCF Intelligence may process that information on the client's behalf.In those circumstances, the client may control the purposes of processing, and we may act as a service provider or processor.If you submit a privacy request concerning information maintained solely on behalf of one of our clients, we may refer you to that client or coordinate with them as required by law.18. ConfidentialityWe treat confidential client and business information in accordance with applicable engagement agreements, professional responsibilities, and internal confidentiality standards.Submission of information through a general website contact form does not by itself create a confidential professional relationship.Do not submit highly sensitive information through a general contact form unless we specifically request it through an approved secure method.19. Intellectual propertyUnless otherwise indicated, the Site and its content are owned by FCF Consulting Partners LLC or used with permission.This may include:TextGraphicsLogosBrandingAssessmentsFinancial Intelligence Score methodologyReportsFrameworksToolsWebsite designEducational materialsDownloadable resourcesThe content is protected by applicable copyright, trademark, and intellectual property laws.You may use the Site for your own lawful informational and business purposes.You may not, without prior written permission:Reproduce substantial portions of the SiteRepublish our proprietary contentSell or sublicense our materialsCreate competing products using our proprietary assessments or frameworksRemove copyright or proprietary noticesUse our trademarks or logos in a manner suggesting affiliation or endorsement20. Acceptable useYou agree not to:Use the Site unlawfullyAttempt unauthorized access to our systemsInterfere with Site security or operationIntroduce malware or harmful codeUse automated tools in a manner that disrupts or impairs the SiteMisrepresent your identitySubmit information you are not authorized to provideInfringe intellectual property or privacy rightsUse the Site to commit fraud or unlawful activityWe may restrict or terminate access to the Site when we reasonably believe these Terms have been violated.21. Third-party websites and servicesThe Site may link to or integrate with third-party websites, platforms, applications, or services.We do not control third-party services and are not responsible for their:ContentAvailabilitySecurityAccessibilityPrivacy practicesTermsUse of a third-party service is subject to that provider's terms and policies.22. Website availabilityWe may modify, suspend, discontinue, or restrict any portion of the Site at any time.We do not guarantee that:The Site will always be availableInformation will always be currentThe Site will be error-freeEvery feature will remain availableThe Site will be free of technical defectsWe may correct errors or update content without notice.23. Disclaimer of warrantiesTo the fullest extent permitted by law, the Site is provided on an "as is" and "as available" basis.FCF Consulting Partners LLC disclaims warranties, express or implied, relating to the Site, including warranties of:MerchantabilityFitness for a particular purposeAccuracyReliabilityNon-infringementAvailabilityNothing in this section limits any warranty or obligation that cannot legally be excluded.24. Limitation of liabilityTo the fullest extent permitted by law, FCF Consulting Partners LLC and its owners, employees, contractors, affiliates, and representatives will not be liable for indirect, incidental, special, exemplary, punitive, or consequential damages arising from or relating to use of the Site.This includes, where permitted by law:Lost profitsLost revenueLost business opportunitiesBusiness interruptionLoss of dataDecisions made based on general Site informationThese limitations relate to the Site and do not replace any liability provisions contained in a separate professional engagement agreement.Nothing in these Terms excludes liability that cannot legally be limited or excluded.25. IndemnificationTo the extent permitted by law, you agree to indemnify and hold harmless FCF Consulting Partners LLC and its owners, employees, contractors, representatives, and affiliates from claims, liabilities, damages, losses, and reasonable costs arising from:Your unlawful use of the SiteYour violation of these TermsInformation you submit without authorizationYour infringement of another person's rights26. Legal and regulatory disclosuresWe may disclose information if we reasonably believe disclosure is necessary to:Comply with lawRespond to a subpoena, court order, or lawful government requestProtect our rights or propertyProtect clients, employees, or othersInvestigate fraud or abuseAddress security incidentsEnforce agreementsEstablish, exercise, or defend legal claims27. Business transfersIf FCF Consulting Partners LLC participates in a merger, acquisition, restructuring, financing, sale of assets, or similar transaction, information may be transferred as part of that transaction, subject to applicable confidentiality and privacy obligations.28. International usersFCF Consulting Partners LLC operates from the United States.If you access the Site from outside the United States, information may be transferred to or processed in the United States or other jurisdictions where our providers operate.Privacy laws in those jurisdictions may differ from those where you live.29. ChildrenThe Site is intended for businesses and adults.It is not directed to individuals under 18.We do not knowingly collect personal information from children through the Site.If you believe a child has provided information to us, contact us so we can review and address the matter.
30. Accessibility FCF Consulting Partners LLC is committed to making FCF Intelligence's website and digital services accessible to people with disabilities.We aim to design and maintain our website in substantial conformance with the Web Content Accessibility Guidelines (WCAG) 2.2 Level AA, where reasonably applicable.Accessibility is an ongoing process. Technologies, content, browsers, assistive technologies, and third-party services may change over time, and some third-party content or services may not always meet every accessibility standard.If you experience difficulty accessing any part of the Site, encounter an accessibility barrier, or need information provided in an alternative format, please contact us at:Email: info@fcfconsultingpartners.com
Phone: +1 (786) 216-1634 Please identify the page, content, or feature you were attempting to access and describe the difficulty you experienced.We will make reasonable efforts to provide the information or service through an accessible alternative and to identify and address accessibility issues where appropriate.We welcome accessibility feedback as part of our ongoing efforts to improve access to our digital services.31. Changes to these TermsWe may revise these Terms as our:Services changeTechnology changesWebsite changesPrivacy practices changeLegal obligations changeThe "Last Updated" date will identify the current version.Where required by applicable law, we will provide additional notice or obtain consent before materially changing how previously collected personal information is used.32. Governing law and venue

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-law principles.Unless an executed engagement agreement provides otherwise, any dispute arising specifically from use of the Site will be subject to the jurisdiction of the applicable state or federal courts located in Miami-Dade County, Florida.You consent to the personal jurisdiction and venue of those courts to the extent permitted by law.33. SeverabilityIf any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will remain effective to the fullest extent permitted by law.34. No waiverFailure by FCF Consulting Partners LLC to enforce any provision of these Terms does not constitute a waiver of that provision or any other right.35. Entire agreement regarding the SiteThese Terms constitute the agreement between you and FCF Consulting Partners LLC regarding use of the Site.They do not replace any executed engagement agreement governing professional services.36. Contact informationQuestions concerning these Terms, our privacy practices, accessibility, or privacy requests may be directed to:
‍FCF Consulting Partners LLC
FCF Intelligence
78 SW 7th St
Miami, FL 33130
United States‍
Phone: +1 (786) 216-1634