Legal

Terms & Conditions

Last updated July 11, 2026

These Terms & Conditions (“Terms”) govern your use of the Cruz Financial Services website and the services offered by Cruz Financial Services (“we,” “us,” or “our”). By accessing this website or engaging our services, you agree to these Terms. If you do not agree, please do not use this site.

Services

We provide bookkeeping, tax preparation, financial cleanup, and business setup services. The specific scope, deliverables, and fees for any engagement will be agreed upon separately before work begins. Nothing on this website constitutes a binding offer to perform services.

Client Responsibilities

To deliver accurate results, we rely on the information you provide. You agree to supply complete, accurate, and timely records and to promptly notify us of any changes. You are responsible for the accuracy of the underlying information you submit and for retaining your own copies of important documents.

Fees and Payment

Fees are based on the scope of the engagement and are due as agreed. Any estimates provided are for planning purposes and may be adjusted if the scope of work changes.

Intellectual Property

The content, design, text, and graphics on this website are the property of Cruz Financial Services and may not be copied, reproduced, or distributed without prior written permission.

Third-Party Links

This website may contain links to third-party sites, such as forms or resources hosted by other providers. We are not responsible for the content, policies, or practices of those external sites.

Limitation of Liability

To the fullest extent permitted by law, Cruz Financial Services shall not be liable for any indirect, incidental, or consequential damages arising from your use of this website. Our professional services are governed by the separate engagement terms agreed with each client.

Changes to These Terms

We may revise these Terms from time to time. Continued use of the website after changes are posted constitutes acceptance of the updated Terms.

Contact Us

Questions about these Terms & Conditions can be directed to:

Inez Cruz, Owner & Financial Professional
Email: inez@cruzfinancialservices.com
Phone: 704 · 769 · 0124