U.S. Terms of Service

You must be at least 18 and legally able to enter a contract. You must provide accurate, current information, protect your credentials and two-factor authentication methods, and promptly notify us of suspected unauthorized access. You are responsible for activity under your account except to the extent caused by our breach of law or these Terms. We may suspend access to protect the account, the platform, or other people.

You may use the site and portal only for lawful purposes and as intended. You may not interfere with security, test vulnerabilities without written permission, access another person's account or records, introduce malicious code, overload the service, scrape or harvest data, reverse engineer protected portions, or use content to build a competing service. We may investigate suspected misuse and preserve or disclose information when reasonably required by law.

A booking request is pending until our staff approves it and you receive confirmation. A consultation, message, account, booking, or payment does not by itself create an accounting, tax, legal, investment, fiduciary, or other professional relationship. A service engagement begins only when the parties accept a written proposal, engagement letter, order, or other agreement stating the scope, price, and responsibilities. That agreement controls if it conflicts with these Terms.

Opulentus provides the management, bookkeeping, payroll, compliance, operations, forecasting, administrative, and technology-coordination services identified in the applicable engagement. Website content is general information, not accounting, tax, legal, investment, employment, or compliance advice. Opulentus is not a certified public accounting firm and does not perform audits, reviews, compilations, or attest engagements under AICPA standards unless a signed agreement expressly states otherwise. We do not practice law or provide investment advice.

You must timely provide complete and accurate information, records, approvals, access, and funds; review filings, payroll, invoices, and disbursements before submission; maintain original records and backups; and comply with laws applicable to your business. You remain the taxpayer, employer of record, and decision maker. Unless expressly agreed, our work is not designed to discover fraud, theft, illegal acts, or every error, and we may rely on information and instructions you or your authorized representatives provide.

Prices, billing frequency, taxes, deposits, and payment dates appear in the applicable proposal or invoice and are in U.S. dollars unless stated otherwise. Work outside scope requires approval before billing. Payments are processed by Stripe under its terms; we do not store complete card details. You authorize the charge you submit and represent that you may use the payment method. Except where an agreement or law says otherwise, invoices are due on the displayed date, fees for completed work are nonrefundable, and we may suspend work on an overdue account after notice. You may dispute a billing error by contacting us promptly; this does not limit rights under the Fair Credit Billing Act or other applicable law.

You may request an appointment change or cancellation through the portal. The applicable booking or engagement notice will identify any deadline or charge. Either party may end a recurring engagement as the engagement letter permits. On termination, amounts for work performed and authorized noncancelable costs remain due, and we will return client records as required by the engagement and applicable law.

You consent to receive these Terms, policies, proposals, confirmations, invoices, notices, and other records electronically. Under the federal E-SIGN Act and applicable state Uniform Electronic Transactions Act provisions, electronic records and signatures may have the same effect as paper records and handwritten signatures. You may withdraw consent for future electronic records or request a paper copy by contacting us, but withdrawal may require us to close online access or use another lawful delivery method. You need an internet-connected device, a current browser, and the ability to view, save, or print standard web pages and PDF files. Keep your email and telephone number current.

Service emails are part of the relationship. Commercial emails comply with the CAN-SPAM Act and include an opt-out method. We will seek any separate consent required by the Telephone Consumer Protection Act before using automated or prerecorded marketing calls or texts; marketing consent is not a condition of purchase where prohibited.

Each party will reasonably protect the other's nonpublic information and use it only for the engagement, except where disclosure is authorized or legally required. Our Privacy Policy explains our personal-information practices and is incorporated into these Terms. We may use vetted service providers to process information. You retain ownership of your data and records; you grant us the limited rights needed to host, process, transmit, and use them to provide, secure, and improve the services.

The site, portal, software, design, text, graphics, templates, workflows, marks, and other Opulentus materials are owned by or licensed to us and protected by U.S. copyright, trademark, and other laws. We grant you a limited, revocable, nonexclusive, nontransferable right to use them for your own authorized business purposes. You grant us a perpetual, worldwide, royalty-free right to use voluntary suggestions or feedback without identifying you or disclosing confidential information.

The service may link to or interoperate with payment, email, accounting, payroll, calendar, analytics, or other third-party services. Their own terms and notices govern their services. We are not responsible for an independent third party's acts, content, availability, or security, but this does not limit responsibility that cannot lawfully be excluded.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SITE AND PORTAL ARE PROVIDED "AS IS" AND "AS AVAILABLE." WE DISCLAIM IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT UNINTERRUPTED OR ERROR-FREE ACCESS OR THAT GENERAL WEBSITE CONTENT WILL MEET YOUR NEEDS. EXPRESS COMMITMENTS IN A SIGNED ENGAGEMENT LETTER REMAIN IN EFFECT. SOME STATES DO NOT ALLOW CERTAIN WARRANTY EXCLUSIONS, SO AN EXCLUSION MAY NOT APPLY TO YOU.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OPULENTUS AND ITS OWNERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES, OR LOST PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITY. OUR TOTAL AGGREGATE LIABILITY ARISING FROM THE SITE, PORTAL, OR A SERVICE WILL NOT EXCEED THE GREATER OF $100 OR THE FEES YOU PAID OPULENTUS FOR THE AFFECTED SERVICE DURING THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM. THIS SECTION DOES NOT LIMIT LIABILITY FOR FRAUD, WILLFUL MISCONDUCT, GROSS NEGLIGENCE WHERE IT CANNOT BE LIMITED, PERSONAL INJURY CAUSED BY NEGLIGENCE, OR ANY RIGHT OR REMEDY THAT APPLICABLE LAW DOES NOT PERMIT US TO LIMIT. SOME STATES DO NOT ALLOW PARTICULAR LIMITATIONS, SO THEY APPLY ONLY TO THE EXTENT LAWFUL.

To the extent permitted by law, you will defend and indemnify Opulentus from third-party claims, damages, and reasonable costs arising from your unlawful use, violation of these Terms, infringement of another person's rights, or materially inaccurate information or unauthorized instructions you provide. This does not require a consumer to indemnify us for our own negligence or unlawful conduct and does not waive nonwaivable state-law rights.

Georgia law governs these Terms without regard to conflict-of-law rules. Before filing a claim, each party will send written notice describing the dispute and requested relief and allow 30 days for a good-faith resolution, unless urgent relief or a shorter statutory deadline applies. Any unresolved dispute will be brought in a state or federal court with jurisdiction in Georgia, and each party consents to that venue. Nothing here requires arbitration or waives participation in a class action. This choice of law and venue does not deprive a consumer of nonwaivable protections or a forum that applicable state or federal law guarantees.

If you believe material on the site infringes your U.S. copyright, send a notice identifying the copyrighted work, the material and its location, your contact details, a good-faith statement, a statement under penalty of perjury that the notice is accurate and you are authorized to act, and your physical or electronic signature to info@opulentusmanagementgroup.com or +1 (770) 750-4802. We will process valid notices under the Digital Millennium Copyright Act. A knowing misrepresentation may create liability under 17 U.S.C. § 512(f).

We aim to make our digital services accessible. If you have difficulty accessing content, need an alternate format, or need assistance completing a transaction, contact us. We will provide reasonable assistance and work to address the issue. This commitment does not waive any rights or obligations under the Americans with Disabilities Act or applicable state law.

If a provision is unenforceable, it will be limited or removed only to the minimum extent necessary and the remainder will continue. A waiver must be written and is not continuing. You may not assign these Terms without our written consent; we may assign them with a merger, reorganization, financing, or sale, subject to law. Events outside reasonable control excuse delay while they continue. These Terms, incorporated policies, and the applicable engagement are the entire agreement on their subject. We may revise these Terms prospectively by posting a new date and providing additional notice when law requires it. Questions or notices may be sent to info@opulentusmanagementgroup.com or +1 (770) 750-4802.