Terra Firma Business & Financial Consultants LLC

 

Terms and Conditions of Access and Use

Effective Date: 10/31/2025
Last Updated: 10/31/2025

By accessing, downloading, viewing, or engaging with any content, tools, downloads, portals, or communications from Terra Firma Business & Financial Consultants LLC (“Terra Firma”), you (“You” or “User”) agree to the following Terms and Conditions. These apply whether you access our resources via a client portal, private membership space, live event, recorded workshop, email, or file share.

If you do not agree, do not access or use Terra Firma materials.

1. Purpose of Access

You are receiving access to proprietary materials, frameworks, tools, or communications for the limited purpose of education, personal insight, or evaluating services from Terra Firma. These materials are not intended as legal, tax, or investment advice and do not create a professional services relationship unless and until a formal agreement is signed.

2. Confidentiality and Limited Use

All materials, content, templates, tools, and communications (“Terra Firma Materials”) are proprietary and confidential, and are made available solely for Your personal and internal use in connection with evaluating or implementing financial strategies for yourself and/or your business.

By accessing Terra Firma Materials, You agree:

• Not to copy, reproduce, or distribute them in whole or part;
• Not to use them to develop competing services or content;
• Not to share them with any third party, except Your licensed advisors (e.g., attorney, CPA) who are under professional confidentiality obligations;
• Not to reverse engineer, decompile, or alter the materials for use beyond Your own planning purposes.

Terra Firma retains all ownership and intellectual property rights in its methods, content, tools, and delivery formats.

3. No Client Relationship or Outcome Guarantee

Accessing Terra Firma Materials does not create a client relationship. No tax filings, legal planning, business setup, or financial implementation will be performed unless and until a formal Statement of Work (SOW) is mutually signed.

All use of Terra Firma Materials is at your own risk. While designed with care and supported by licensed professionals, outcomes depend on Your personal circumstances, data accuracy, and implementation with qualified legal/tax counsel. Terra Firma makes no guarantees of specific tax results, audit outcomes, savings, or wealth accumulation.

4. No Refunds or Chargebacks

Due to the nature of our content and the immediate value of downloadable tools or recordings, no refunds or credit will be issued once content is accessed or distributed. Any unjustified chargebacks or disputes with payment providers will be considered a breach of these Terms and may result in legal or collection action.

5. Professional Boundaries

Terra Firma is a private business and financial consultancy for educational and informational purposes. Tax filings, legal instruments, or insurance/financial products are only delivered through properly licensed professionals under a separate engagement. You are solely responsible for:

• Providing accurate data if participating in any interactive sessions
• Seeking legal, tax, or investment advice before making decisions
• Complying with the laws and regulations applicable in your jurisdiction
  
  

6. Non-Disparagement

You agree not to publicly or privately disparage Terra Firma, its affiliates, or its team in any medium, including social media, reviews, or group forums. This does not restrict honest communications required by law or with Your personal advisors.

7. Limitation of Liability

To the fullest extent allowed by law, Terra Firma shall not be liable for any indirect, incidental, consequential, or punitive damages arising from Your access or use of its content. If liability is found, it is limited to the amount You paid, if any, to access the content.

8. Privacy and Data Security

We use commercially reasonable administrative and technical safeguards to protect your information. By using our materials or platforms, You consent to our collection and limited use of your name, email, and engagement data to improve our services and provide you with relevant follow-up.

9. Changes and Updates

We may revise these Terms at any time. By continuing to access Terra Firma content after such changes, You agree to be bound by the updated Terms.

10. Governing Law

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles. Any legal action shall be brought in Collin County, Texas.

11. Compensation & Income Disclosure

Terra Firma is a for-profit enterprise and may receive compensation through one or more of the following: (i) consulting, advisory, coaching, discovery, implementation, and membership fees; (ii) subscriptions or platform access; (iii) project-based or performance-linked fees (no guarantee of results); (iv) educational products, events, workshops, speaking, and training; (v) affiliate, referral, and introducer compensation from third parties; (vi) sponsorships and advertising; (vii) insurance-related commissions and other compensation; (viii) investment advisory fees through our affiliated registered investment adviser; (ix) accounting and tax-related fees through affiliated or related entities; and (x) other lawful commercial arrangements (e.g., licensing, revenue-sharing, or strategic partnerships).

Transparency & Conflicts. Certain relationships may create potential conflicts of interest (e.g., affiliate links, referral fees). We disclose material conflicts as they arise and endeavor to align incentives. Past performance is not indicative of future results. You should evaluate recommendations in light of your objectives, risk tolerance, and legal/tax considerations, and consult independent legal, tax, accounting, or investment professionals as needed. Specific services—including investment advisory, insurance, accounting, and tax—are governed by separate agreements and regulatory disclosures, which control in the event of any inconsistency with this Section 11.

Entity-Specific Notices. Investment advisory services are offered through Peace of Mind Planning LLC, dba AdvisorShare Wealth Management (“ASWM”), an investment adviser registered with the U.S. Securities and Exchange Commission (registration does not imply a certain level of skill or training). ASWM is not a law firm or accounting firm and does not provide legal or accounting advice. Insurance products are offered through TF Insurance and Financial Solutions (TX License #2107991; CA License #0G33210; no residency license in AZ, CA, CO, FL, IA, KY, NV, PA, SC). Accounting and tax services are offered through Credo Accounting and Tax as well as AmeriTax. Materials we provide are not intended or written to be used, and cannot be used, by any taxpayer for the purpose of avoiding U.S. federal, state, or local tax penalties.

Compliance Notices (incorporated by reference). The following email and regulatory notices are incorporated into and made part of these Terms, including this Section 11, and apply to our communications and Services:

NOTICE: Nothing in this message should be interpreted as a digital or electronic signature that can be used to form, execute, document, agree to, enter into, accept or authenticate a contract or legal document unless otherwise expressly stated herein. This message and any attached documents contain information from the sender that may be confidential and/or privileged in nature. This message and any attached documents are intended only for the use of the intended recipient and any applicable privileges are not waived by virtue of this having been sent by e-mail. If you are not the intended recipient, you may not save, read, copy, distribute, or use this information in any way or for any purpose. If you have received this transmission but are not the intended recipient, please notify the sender immediately by reply e-mail and then permanently delete this message and any attached documents.

Investment advisory services are offered through AdvisorShare Wealth Management, LLC The information and material contained in this communication is confidential and privileged information, intended for the recipient addressee named. If you are not the intended recipient, please contact the sender as soon as possible and destroy all copies of the original message. Any unauthorized review, use, disclosure, or distribution is prohibited. Peace of Mind Planning LLC, dba AdvisorShare Wealth Management (“ASWM”) is an investment adviser registered with the United States Securities and Exchange Commission. Registration does not imply a certain level of skill or training. ASWM is not a law firm or accounting firm and does not provide legal or accounting advice. Please be advised that we cannot rely on e-mail requests to authorize, direct, or effect the purchase or sale of any security, wire transfer, or to affect any other transactions. Such requests, orders, or other instructions sent by email will be confirmed verbally prior to their anticipated execution. For current clients, please remember that it remains your obligation to contact us if there is any change in your financial situation, needs, goals or objectives, or if you wish to initiate or modify any restrictions on the management of your account(s). Until we are so notified, we will continue to rely upon and provide our services pursuant to your most recently provided information.

Please note insurance products are offered through TF Insurance and Financial Solutions TX License #2107991 and CA License #0G33210. No Residency License in AZ CA CO FL IA KY NV PA SC

All materials provided or communicated are not to be intended to be used, nor can it be used by any taxpayer for the purpose of avoiding U.S. federal, state or local tax penalties. Any taxpayer should seek advice based on the taxpayer’s particular circumstances from their own legal and tax advisors. Terra Firma Business and Financial Consultants, LLC and its consultants and/or affiliates do not provide financial, legal, or tax advice.

Accounting and Tax Advice is offered through Credo Accounting and Tax as well as AmeriTax.

IRS CIRCULAR 230 DISCLOSURE: United States Department of Treasury Regulation Circular 230 requires that I notify you that, with respect to Federal Tax penalties only, unless expressly stated otherwise above, (1) You cannot rely on this advice for protection against Federal tax; (2) nothing contained in this message was intended or written to be used, can be used by any taxpayer, or may be relied upon for the purpose of avoiding any federal tax penalty under the Internal Revenue Code; and (3) nothing contained in this message may be relied on to support the promotion or marketing of any Federal tax transaction or matter that may be subject to Federal tax penalties. Any taxpayer may seek advice based on the taxpayer’s particular circumstances from an independent tax advisor with respect to any Federal tax transaction or matter contained in this message as it relates to Federal tax penalties.

Updates. We may revise this Section 11 from time to time. Continued access or use after an update constitutes acceptance of the revised disclosure.

Acknowledgment

By accessing Terra Firma content or clicking “I Agree,” You acknowledge that You have read, understood, and agreed to these Terms and Conditions.