Terms & Conditions

Welcome to A&P Consulting. These Terms & Conditions govern your access to and use of our website, services, and any content provided by A&P Consulting ("we," "us," or "our"). By using this website, you agree to be bound by these Terms. If you do not agree, you should not use our website or services.

1. Use of Website

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

• Use the site in any way that violates local, state, or federal laws.
• Attempt to gain unauthorized access to our systems.
• Copy, reproduce, or redistribute any content without permission.

2. No Professional Advice

All information on this website, including blog posts, guides, and resources, is provided for general informational purposes only and does not constitute tax, legal, or financial advice. For personalized guidance, you must schedule a consultation with a qualified professional from A&P Consulting.

3. Client Relationship

Viewing or using this website does not create a client relationship with A&P Consulting. A client relationship is formed only after:

• A consultation is held,
• Both parties agree to work together, and
• A formal engagement or service agreement is signed.

4. Payments

All service fees must be paid according to the terms provided in your engagement letter or invoice. We reserve the right to:

• Change prices at any time,
• Require deposits before work begins, and
• Withhold completed work until full payment is received.

5. Refunds

Refunds are handled on a case-by-case basis and depend on the work completed at the time a refund is requested. Because many services (such as tax preparation or bookkeeping cleanup) are labor-intensive, completed work is non-refundable.

6. Accuracy of Information Provided by Clients

Clients are responsible for providing accurate, complete, and timely information. A&P Consulting is not responsible for:

• Errors caused by incorrect or missing client information, or
• Delays resulting from late submissions of required documents.

7. Limitation of Liability

A&P Consulting is not liable for:

• Any losses, damages, or penalties arising from the use of our services or website,
• Tax penalties caused by late filings or inaccurate information supplied by the client,
• Any third-party issues, including software or payment processors.

Use of this site is at your own risk.

8. Third-Party Links

Our website may contain links to third-party websites. We do not control or endorse third-party content and are not responsible for their accuracy, policies, or practices.

9. Intellectual Property

All content on this website—including text, graphics, logos, and documents—is the property of A&P Consulting and may not be copied, distributed, or reused without written permission.

10. Privacy

Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.

11. Changes to Terms

We may update these Terms & Conditions at any time. Continued use of the website after changes means you accept the updated terms.

12. Governing Law

These Terms are governed by the laws of the State of Minnesota, without regard to conflict-of-law principles.

13. Contact Information

If you have questions about these Terms, please contact: