Effective Date: 1 July, 2025

1. ACCEPTANCE OF TERMS

These Terms and Conditions (“Agreement”) constitute a legally binding agreement between you (“User,” “you,” or “your”) and AAP Digital LLC, doing business as FinHelp (“Company,” “we,” “us,” or “our”), governing your access to and use of our website located at https://www.finhelp.io, including any related subdomains, services, or content (collectively, the “Site”).

This website and its content are owned and operated by AAP Digital LLC, doing business as FinHelp. AAP Digital LLC is a registered limited liability company organized under the laws of the State of California, with its principal place of business in [insert business city], California.

By accessing, Browse, submitting information to, or otherwise using the Site, you acknowledge that you have read, understood, and agree to be bound by this Agreement and our Privacy Policy. If you do not agree to these terms, you are prohibited from using the Site.

2. NATURE OF THE SERVICE – EDUCATIONAL PURPOSE ONLY

FinHelp is a publisher of digital financial and tax-related content. The Site is intended solely for general educational and informational purposes and does not provide:

• Legal advice under any jurisdiction or bar association;

• Tax advice under federal or state law;

• Investment advice under SEC or FINRA rules;

• Accounting services under applicable licensing boards.

We are not attorneys, accountants, CPAs, EAs, financial advisors, tax resolution companies, or government agents. All content is provided “as-is” without warranty and is not a substitute for personalized professional advice. You must consult a licensed professional in your jurisdiction for such advice.

3. NO ATTORNEY-CLIENT OR FIDUCIARY RELATIONSHIP

No user of this Site shall be considered a client or recipient of fiduciary duties. Submitting your information through forms, chatbots, or any contact method does not create an attorney-client relationship, CPA-client relationship, or advisor-client relationship. No such relationship shall arise unless and until a written, signed agreement is entered into with a licensed professional outside this platform.

4. USE OF CONTENT AND INTELLECTUAL PROPERTY

All content on the Site — including but not limited to text, graphics, blog posts, designs, tools, code, videos, and logos — is the exclusive property of FinHelp or its content licensors, and is protected under:

• Title 17, U.S. Code (U.S. Copyright Law)

• Digital Millennium Copyright Act (DMCA)

• California Civil Code §§ 980–986

You may not reproduce, distribute, sell, republish, modify, or exploit any content without our express written consent. You are granted a non-exclusive, limited, revocable license to access and use the Site solely for personal, non-commercial use.

5. PROHIBITED CONDUCT

You agree not to:

• Access the Site through automated means (e.g., bots, scrapers);

• Attempt to reverse-engineer or interfere with the Site’s operations;

• Submit false, fraudulent, or misleading information;

• Upload malware or engage in phishing;

• Use the Site for illegal or harmful activities.

Violation of this section may result in immediate termination of access, and we reserve the right to report unlawful conduct to regulatory authorities.

6. THIRD-PARTY LINKS AND TOOLS

Our Site may contain links to third-party websites or tools. These links are provided for your convenience only. We do not control and are not responsible for the content, policies, or practices of third-party websites. Accessing third-party sites is at your own risk and subject to the third party’s own terms and conditions.

7. MOBILE MESSAGING & 10DLC COMPLIANCE

By voluntarily submitting your mobile number to FinHelp, you consent to receive recurring SMS and MMS messages, including but not limited to:

• Educational reminders;

• Transactional notices;

• Occasional marketing (only if separately opted-in).

You agree to receive messages through our 10DLC-registered messaging campaigns in compliance with:

• Telephone Consumer Protection Act (47 U.S.C. § 227)

• FCC regulations (47 C.F.R. § 64.1200)

• CTIA Messaging Principles & Best Practices

• 10DLC campaign registration and vetting standards

• California Business & Professions Code §§ 17538.41 & 22948.1

Message frequency may vary. Message and data rates may apply. Reply STOP to cancel, HELP for help. You represent you are the authorized user of the number submitted. We do not rent, sell, or transfer your phone number without consent.

8. DISCLAIMER OF WARRANTIES

The Site is provided on an “as is” and “as available” basis without warranties of any kind. FinHelp expressly disclaims:

• All express or implied warranties;

• Any warranties of merchantability or fitness for a particular purpose;

• Non-infringement;

• Accuracy, completeness, or currency of information.

We make no guarantees that the Site will be error-free, uninterrupted, or secure.

9. LIMITATION OF LIABILITY

To the fullest extent permitted by law, FinHelp shall not be liable for any:

• Indirect, incidental, consequential, punitive, or special damages;

• Loss of use, data, profits, or reputation;

• Claims arising from third-party content or unauthorized access.

This applies even if we have been advised of the possibility of such damages. In no event shall our liability exceed one hundred U.S. dollars (USD $100).

10. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless FinHelp, its officers, employees, agents, affiliates, licensors, and contractors from and against all claims, damages, liabilities, losses, costs, and expenses arising from:

• Your use of the Site;

• Your violation of these Terms;

• Your violation of any third-party right, including intellectual property or privacy.

11. GOVERNING LAW AND VENUE

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. Venue for any dispute shall lie exclusively in the state and federal courts of Orange County, California.

12. MODIFICATIONS

We reserve the right to update these Terms at any time. When we do, the revised version will be posted here and updated with a new effective date. Your continued use of the Site constitutes acceptance of those changes.

13. CONTACT US

If you have any questions or concerns regarding these Terms, please contact us at: 📧 support@finhelp.io 🏢 FinHelp, Mission Viejo, California