TErms and conditions

Last Updated: May 1, 2026

1. acceptance of terms

These Terms and Conditions (“Terms”) govern your access to and use of the website operated by Lotus Financial Solution, Inc. (“Company,” “we,” “our,” or “us”), including all content, functionality, forms, communications, downloads, resources, scheduling tools, and services made available through the website (collectively, the “Website”).

By accessing or using this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy and Disclaimer.

If you do not agree to these Terms, please do not use this Website.

2. eligibility

By using this Website, you represent and warrant that:

You are at least 18 years old
You have the legal capacity to enter into these Terms
You will use the Website only in compliance with applicable laws and regulations

3. informational purposes only

The information provided on this Website is for general informational and educational purposes only.

Nothing on this Website constitutes:

Accounting advice
Tax advice
Legal advice
Financial or investment advice
Employment law or HR legal advice
Audit or assurance services

Your use of this Website does not create a client, fiduciary, advisory, employment, or professional relationship with the Company.

Professional services are provided only pursuant to a separate written agreement.

4. website use

You agree to use this Website only for lawful purposes and in a manner that does not:

Violate any applicable law or regulation
Infringe upon the rights of others
Interfere with or disrupt the Website or servers
Introduce malicious code, viruses, or harmful technology
Attempt unauthorized access to systems or data
Misrepresent your identity or affiliation
Use the Website for fraudulent, abusive, or misleading purposes

We reserve the right to suspend or terminate access to the Website for violations of these Terms.

5. intellectual property

All Website content, including but not limited to:

Text
Graphics
Logos
Branding
Documents
Downloads
Images
Designs
Layouts
Audio or video materials
Website functionality

is owned by or licensed to the Company and protected by applicable intellectual property laws.

No content from this Website may be copied, reproduced, republished, uploaded, distributed, modified, transmitted, sold, or otherwise used without prior written permission, except for limited personal, non-commercial use.

6. limited license

We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Website for personal or internal business informational purposes only.

This license does not permit:

Commercial resale or redistribution of Website content
Creation of derivative works
Use of Website content for competing services
Unauthorized data scraping, harvesting, or automated collection

All rights not expressly granted are reserved.

7. user submissions

If you voluntarily submit information to us through forms, inquiries, comments, emails, scheduling tools, or other communications, you represent that:

The information is accurate and lawful
You have the right to provide the information
Your submissions do not violate the rights of others

You grant us the right to use submitted information as reasonably necessary to respond to inquiries, provide services, operate the Website, or comply with legal obligations, subject to our Privacy Policy.

8. third-party services and links

This Website may contain links to or integrations with third-party platforms and services, including scheduling tools, payment processors, analytics providers, social media platforms, or other external websites.

We do not control and are not responsible for:

Third-party content
Availability of third-party services
Security or privacy practices of third parties
Transactions or interactions with third parties

Your use of third-party services is subject to their own terms and policies.

9. online scheduling and communications

The Website may allow you to:

Submit inquiries
Schedule consultations
Subscribe to communications or newsletters
Request information regarding services

Submission of a form, scheduling request, or communication through the Website does not guarantee acceptance as a client or availability of services.

We reserve the right to decline inquiries, engagements, or service requests at our discretion.

10. no Guarantees

We retain personal information collected through our website only as long as necessary to:

Respond to inquiries
Provide requested services
Comply with legal obligations

We make no guarantees regarding:

Business outcomes
Financial results
Regulatory compliance outcomes
Staffing outcomes
Operational improvements
Accuracy or completeness of Website content

Any testimonials, examples, or case studies are illustrative only and do not guarantee similar results.

11. disclaimer of warranties

This website and all content are provided "as is" and "as available" without warranties of any kind, express or implied.

To the fullest extent permitted by law, we disclaim all warranties, including but not limited to:

Merchantability
Fitness for a particular purpose
Non-infringement
Accuracy
Reliability
Availability
Security

We do not warrant that the Website will be uninterrupted, error-free, secure, or free of harmful components.

12. limitation of liability

To the fullest extent permitted by law, the Company shall not be liable for any direct, indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to:

Use of or reliance on the Website
Errors or omissions in content
Website interruptions or unavailability
Third-party services or links
Loss of data, profits, revenue, business, or goodwill

Your sole remedy for dissatisfaction with the Website is to discontinue use of the Website.

13. indemnification

You agree to indemnify, defend, and hold harmless the Company and its owners, officers, employees, contractors, affiliates, agents, licensors, and service providers from and against any claims, liabilities, damages, losses, costs, or expenses arising from:

Your use of the Website
Your violation of these Terms
Your violation of applicable law
Your infringement of third-party rights

14. privacy

Your use of this Website is also governed by our Privacy Policy.

By using the Website, you consent to the collection and use of information as described in the Privacy Policy.

15. accessibility

We strive to maintain an accessible Website and improve usability for all visitors. However, we do not warrant that the Website will meet all accessibility standards at all times.

If you experience accessibility issues, please contact us so we can work to address them.

16. california users

California residents may have additional privacy rights under applicable California law, including the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA).

Please review our Privacy Policy for additional information regarding those rights.

17. Governing law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to conflict of law principles.

18. severability

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

19. Changes to these terms

We reserve the right to modify these Terms at any time without prior notice.

Changes become effective upon posting to the Website. Continued use of the Website after changes are posted constitutes acceptance of the revised Terms.

20. Contact Information

If you have questions regarding these Terms and Conditions, please contact:

Lotus Financial Solution, Inc
info@lotusfinancialservice.com