Terms of Service

01Acceptance of Terms

These Terms of Service govern access to and use of the TPT Financial website, educational content, consultations, forms, reviews, administrative support, and paid services. By using the website, submitting a form, scheduling a consultation, electronically accepting an offer, paying an invoice, or receiving services, you agree to these Terms and any service-specific written agreement.

If you do not agree, do not use the website or services.

02Brand and Operating Entity

TPT Financial is a service division of The Peoples Trusts Consulting LLC. References to “TPT Financial,” “we,” “us,” and “our” refer to the operating entity acting through the TPT Financial service line.

03Eligibility and Authority

You must be at least 18 years old and legally capable of entering a binding agreement. If you act for a family, trust, association, business, nonprofit, or other organization, you represent that you have authority to provide information and instructions and to bind that party where applicable.

04Service Scope

Services may include private-structure education, family legacy planning education, asset-organization review, common-law trust education, unincorporated nonprofit association education, business continuity planning, governance education, educational checklists, administrative coordination, document organization, implementation planning, and professional referral support.

The exact scope, deliverables, timing, and fees are defined in the applicable proposal, invoice, service order, or signed agreement. General website content is not a commitment to provide any specific service.

05Education and Administrative Support Boundary

Unless a separate written agreement expressly identifies a properly licensed professional and the professional accepts the engagement, TPT Financial does not provide legal advice, tax advice, accounting advice, investment advice, securities advice, fiduciary services, or personalized financial planning.

Educational explanations, templates, checklists, referrals, and administrative coordination are not substitutes for independent professional review.

06No Attorney-Client, Tax, Investment, or Fiduciary Relationship

Use of the website or services does not create an attorney-client, accountant-client, tax-adviser, investment-advisory, securities-broker, trustee-beneficiary, lender-borrower, or fiduciary relationship. No privilege or professional confidentiality duty arises unless a separately retained professional expressly agrees in writing.

07Client Responsibility and Independent Review

You are responsible for obtaining independent legal, tax, accounting, investment, insurance, and other professional advice appropriate to your facts and jurisdiction. You must review all proposed documents, ownership changes, transfers, filings, elections, and implementation steps before signing or acting.

You remain responsible for deciding whether a trust, UNA, entity, contract, transfer, filing, or other structure is lawful, suitable, and properly implemented.

08Accuracy and Completeness of Information

You must provide complete, current, and accurate information and promptly correct material errors. We may rely on information supplied by you and are not responsible for consequences caused by omitted, inaccurate, outdated, or misleading information.

09Fees, Deposits, and Payment

Fees are due as stated in the applicable proposal, invoice, service order, or agreement. Deposits may reserve capacity and may become nonrefundable once work begins or capacity is committed, as disclosed in writing. You are responsible for applicable taxes, processing charges, returned-payment fees, collection costs, and third-party costs where permitted and disclosed.

We may pause or terminate work for overdue amounts.

10Cancellations and Refunds

Refund and cancellation rights are controlled by the service-specific written offer or agreement. Unless that document states otherwise, completed consultations, delivered digital materials, administrative work already performed, earned fees, and nonrecoverable third-party costs are nonrefundable to the fullest extent permitted by law.

11Deliverables, Review, and Acceptance

You must review deliverables promptly and notify us of any material nonconformity within the review period stated in the applicable agreement, or within ten calendar days if no period is stated. Silence after that period may be treated as acceptance for administrative purposes, without waiving rights that cannot legally be waived.

Revisions outside the agreed scope may require a change order and additional fees.

12Independent Professionals and Referrals

Attorneys, CPAs, enrolled agents, tax professionals, trustees, registered agents, banks, lenders, insurers, and other specialists are independent parties unless expressly stated otherwise. You are responsible for evaluating and retaining them. We do not control their advice, pricing, availability, conflicts, professional judgment, or performance.

13No Guaranteed Outcome

We do not guarantee asset protection, privacy, tax treatment, tax-exempt status, BOI exemption, creditor protection, lawsuit immunity, probate avoidance, bank acceptance, EIN issuance, account opening, lender approval, funding, rates, profitability, continuity, investment performance, or any other legal, tax, financial, or business outcome.

14BOI and Tax-Exempt Classification

Beneficial Ownership Information reporting obligations and exemptions depend on the entity’s actual legal status and the current law and guidance. The FinCEN guide identified a “tax-exempt entity” category as Exemption No. 19, but the exemption applies only when the specific regulatory criteria are satisfied.

15Ongoing Compliance and Maintenance

You are responsible for maintaining governing documents, minutes or resolutions, separate records and accounts, tax filings, registrations, reports, licenses, charitable solicitations compliance, employment obligations, banking requirements, fiduciary duties, and any required updates to ownership or control information.

Formation or delivery of documents does not complete ongoing compliance.

16Prohibited Uses

You may not use the website, services, education, documents, or referrals to evade taxes, conceal unlawful activity, commit fraud, hinder or defraud lawful creditors, make a fraudulent transfer, launder money, misrepresent beneficial ownership, avoid lawful reporting, violate sanctions, misappropriate assets, or interfere with legal process.

We may decline, suspend, or terminate any matter presenting legal, ethical, reputational, or compliance risk.

17Intellectual Property

The website, brand assets, educational frameworks, templates, checklists, diagrams, presentations, prompts, processes, and original content are owned by or licensed to TPT Financial. You receive only the limited use rights expressly stated in writing. You may not copy, publish, resell, distribute, reverse engineer, remove notices, or create competing commercial products from protected materials without permission.

18Client Content and Permissions

You retain rights in materials you lawfully provide. You grant us a limited license to host, copy, organize, modify, transmit, and process those materials as reasonably necessary to perform services, maintain records, comply with law, and protect rights. You represent that you have authority to provide the materials and instructions.

19Confidentiality

Each party may receive nonpublic information. Confidential information should be used only for the relationship and protected with reasonable care. Confidentiality does not apply to information that is public through no breach, already known without duty, independently developed, lawfully received, authorized for release, or required to be disclosed by law.

More specific confidentiality terms in a signed agreement control.

20AI-Assisted Tools

We may use AI-assisted tools for research support, drafting, summarization, organization, and quality control. AI output may be incomplete, outdated, or inaccurate and is not legal or tax advice. Material information must be verified by the client and, where appropriate, by qualified professionals.

21Third-Party Platforms and Government Resources

Third-party platforms, payment processors, banks, government websites, professional portals, software providers, and referral partners are governed by their own terms. We do not control their availability, decisions, data practices, rules, fees, or performance.

22Disclaimer of Warranties

To the fullest extent permitted by law, the website and services are provided “as is” and “as available.” We disclaim implied warranties of merchantability, fitness for a particular purpose, title, noninfringement, uninterrupted operation, completeness, accuracy, and specific results, except where a signed agreement expressly provides otherwise or law prohibits the disclaimer.

23Limitation of Liability

To the fullest extent permitted by law, TPT Financial, its parent operator, officers, employees, contractors, and agents will not be liable for indirect, incidental, special, exemplary, punitive, or consequential damages; lost profits; lost opportunity; loss of privacy; tax liability; penalties; loss of data; creditor claims; legal fees; or third-party conduct.

Aggregate liability arising from a specific paid engagement will not exceed the amount actually paid to TPT Financial for that engagement during the six months preceding the event giving rise to the claim, unless applicable law requires otherwise.

24Indemnification

You agree to defend, indemnify, and hold harmless TPT Financial, its parent operator, officers, employees, contractors, and agents from claims, losses, liabilities, damages, penalties, and reasonable costs arising from your unlawful conduct, inaccurate information, misuse of services, breach of these Terms, violation of third-party rights, prohibited transfers, or implementation choices made without required professional review.

25Suspension and Termination

We may suspend or terminate access or services for nonpayment, misuse, abusive conduct, inaccurate information, legal or regulatory risk, conflicts, fraud concerns, prohibited objectives, material breach, or inability to continue the engagement. Accrued payment obligations and provisions intended to survive remain effective.

26Electronic Communications and Signatures

You consent to receive agreements, disclosures, notices, invoices, and records electronically. Checkbox acceptance, typed names, electronic signatures, and electronic records may be treated as originals to the extent permitted by law.

27Governing Law and Venue

These Terms are governed by Florida law, without regard to conflict-of-law rules, unless applicable law requires otherwise. Any permitted court proceeding must be brought in Broward County, Florida, and each party consents to that jurisdiction and venue.

28Severability, Waiver, Assignment, and Entire Agreement

If a provision is unenforceable, the remaining provisions remain effective and the invalid provision will be limited to the minimum extent necessary. Failure to enforce a provision is not a waiver. You may not assign rights without written consent. These Terms, the Privacy Policy, Disclaimers, Legal Addendum, and any service-specific signed agreement form the applicable agreement, with the service-specific agreement controlling where it expressly conflicts.

29Changes to Terms

We may update these Terms prospectively by posting a revised version with a new effective date. Existing signed engagements remain subject to their own amendment provisions.

30Contact

TPT Financial
A service division of The Peoples Trusts Consulting LLC
200 S Andrews Ave Ste 504, Fort Lauderdale, FL 33301-2066
[email protected]