Website Terms of Service

Effective Date: August 1, 2025

Last Updated: August 2, 2025

These Terms of Service (“Terms”) govern your use of the CPB Solutions, Inc. website (the “Site”) and any services, resources, or content offered through it. By accessing or using the Site, you agree to comply with these Terms. If you do not agree, please do not use the Site.

 

1. Services

CPB Solutions, Inc., a California-based business consulting, bookkeeping, and accounting firm, serves real estate professionals, retail stores, professional coaches, entrepreneurs, and small business owners nationwide. We provide:

  • Strategic business consulting
  • After-the-fact and real-time bookkeeping
  • Back office administration
  • Fractional CFO solutions
  • Tax services, including tailored tax strategies and operational systems
  • Educational courses (live and on demand) under the brand Voice & Ledger™, including AI training and subscription-based services

Any professional service or paid engagement will be subject to a separate written agreement or engagement letter, which will prevail in case of conflict with these Terms.

 

2. Website Use

You agree to:

  • Use the Site only for lawful purposes.
  • Not attempt to disrupt or compromise website security or functionality.
  • Not distribute harmful software, spam, or unauthorized advertising.

We reserve the right to suspend or terminate access to users who violate these Terms or our Engagement Standards.

 

3. No Professional-Client Relationship

Your use of this Site or communication with CPB Solutions, Inc. (Voice & Ledger™) (through forms, emails, SMS, or other channels) does not establish a professional-client relationship.

A professional-client relationship is formed only when CPB Solutions, Inc. (Voice & Ledger™) confirms acceptance of your engagement, which may occur through:

  • A signed engagement letter or service agreement
  • A written agreement by email
  • Issuance and payment of an invoice for agreed-upon services

Services will not formally commence until such confirmation is provided.

 

4. Educational Content

Information provided on this Site, including blogs, guides, downloadable resources, and courses, is for general educational purposes only. It should not be considered financial, tax, or legal advice for any specific situation. Always consult a qualified professional before making decisions based on our website content.

Our educational resources are designed for business owners, real estate professionals, retail operators, professional coaches, and entrepreneurs seeking to improve financial clarity, operational efficiency, and strategic growth.

 

5. Intellectual Property

All website content, including text, images, graphics, logos, videos, course materials, and downloadable guides, is owned by CPB Solutions, Inc. or licensed to us. Voice & Ledger™ is a trademark of CPB Solutions, Inc.

You may not reproduce, distribute, or create derivative works from our content without prior written permission, except as allowed for certain free, public resources. If you wish to share our free, public resources online, please credit either:

  • “CPB Solutions, Inc. — Business Consulting, Bookkeeping, and Customized Accounting Solutions” or
  • “Voice & Ledger™ AI Training, Tax Strategies, and Business Mentoring for Entrepreneurs”

and link back to our homepage. This limited permission does not extend to paid course materials, client work, or proprietary documents, which may not be reproduced or distributed without written consent.

 

6. Payments and Refunds

If you purchase an educational course, subscription service, or other offering online, you agree to:

  • Provide accurate and current payment information.
  • Authorize us to charge your payment method as described during checkout.

Refunds and cancellations are handled according to our Payment and Refund Policy.

We reserve the right to refuse or cancel any order if fraudulent or unauthorized activity is suspected.

 

7. Third-Party Platforms and Links

We use reputable third-party platforms (e.g., TaxDome, Zoom, Calendly, Eventbrite) for services like document exchange, class registration, and scheduling.

Our Site may contain links to other websites we do not control. We are not responsible for the content, privacy practices, or services of these third-party sites. These tools help us deliver secure business consulting, customized bookkeeping, accounting, fractional CFO, and AI training services to clients across California and nationwide.

 

8. Limitation of Liability

To the maximum extent permitted by law:

  • CPB Solutions, Inc. is not liable for any indirect, incidental, or consequential damages resulting from your use of this Site or reliance on its information.
  • We do not guarantee uninterrupted or error-free website operation.
  • Our liability for any claim related to this Site shall not exceed the amount you paid (if any) for services directly related to that claim.

This limitation applies to all services provided by CPB Solutions, Inc., including business consulting, bookkeeping, tax services, fractional CFO work, and AI training.

 

9. Indemnification

You agree to indemnify and hold harmless CPB Solutions, Inc., its affiliates, employees, and agents from any claims, damages, or expenses arising from your misuse of the Site or violation of these Terms.

 

10. SMS/MMS Text Messaging Terms and Conditions

CPB Solutions, Inc. may send text message reminders and updates pertaining to your account, an appointment, or an upcoming deadline(s) if you have opted into that service.

  • Opt-In and Consent
    By subscribing, you consent to receive recurring messages, which may vary in frequency from month to month.
  • Charges and Fees
    Message and data rates may apply. Check with your carrier.
  • Opt-Out Instructions
    Reply “STOP” at any time to unsubscribe. Text “HELP” provides assistance.
    Or you may email info@cpbsolutions.com for support.
  • Prohibited Uses
    • Illegal activities or fraud
    • Harassment or harmful content
    • Spam or unsolicited messaging
    • Malware or harmful code
    • Privacy violations
    • Commercial misuse
    • IP infringement
  • Data Use and Privacy
    Your phone number is used solely for messaging purposes. We do not sell or share it.
  • Disclaimers
    Service is provided “as-is.” Carriers are not liable for delayed or undelivered messages.
  • Termination
    We may suspend or terminate SMS service at any time

 

11. Governing Law

These Terms are governed by and construed under the laws of the State of California. Any disputes shall be resolved exclusively in the state or federal courts located in Fresno County, California, unless otherwise required by a separate service agreement.

 

11. Linked Policies

Certain operational policies and compliance notices referenced in these Terms are available in our consolidated Additional Policies hub:

  • Cookie Policy
  • Email Marketing Compliance
  • SMS/MMS Terms and Conditions
  • Payment and Refund Policy
  • Security and Data Protection Statement
  • Affiliate and Referral Disclosure

These policies form part of these Terms and apply to your use of our Site and services.

 

12. Changes to Terms

We may update these Terms periodically. Updates will be posted on this page with a revised “Last Updated” date. Your continued use of the Site constitutes acceptance of any changes.

 

13. Contact Information

CPB Solutions, Inc.
4450 N Brawley Ave Suite 126C
Fresno, CA 93722
Phone: 559-492-7767
Email: info@cpbsolutions.com