Terms of Service

Agreement to Terms

By accessing or using the services provided by Hummingbird Financial & Tax Services ("Company," "we," "our," or "us"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

Services Provided

Hummingbird Financial & Tax Services provides:

• Wealth management and investment advisory services
• Tax planning and preparation services
• Retirement and estate planning
• Real estate advisory services in Mexico
• Payroll and QuickBooks management
• Notary public services

Client Responsibilities

As a client, you agree to:

• Provide accurate and complete information
• Update us promptly of any changes to your financial situation
• Review all documents and recommendations carefully
• Pay fees and charges in a timely manner
• Maintain confidentiality of any account access credentials
• Comply with all applicable laws and regulations

Fees and Payment

Fees for our services will be discussed and agreed upon before services are rendered. Payment terms include:

• Fees may be charged hourly, as a flat rate, or as a percentage of assets under management
• Payment is due upon receipt of invoice unless otherwise agreed
• Late payments may incur additional charges
• Fee schedules are subject to change with advance notice

Professional Standards

Our services are provided in accordance with applicable professional standards, including those established by relevant regulatory bodies. We maintain professional liability insurance and adhere to ethical guidelines governing financial advisors and tax professionals.

Limitations of Liability

While we strive to provide accurate and timely advice:

• We are not liable for losses resulting from market fluctuations or economic conditions
• Tax advice is based on current laws, which are subject to change
• Investment returns are not guaranteed
• Our liability is limited to the fees paid for the specific service in question

Confidentiality

We maintain strict confidentiality of all client information in accordance with professional standards and applicable laws. Information will only be disclosed with your consent or as required by law.

Conflicts of Interest

We are committed to acting in your best interest. Any potential conflicts of interest will be disclosed to you promptly. We maintain policies and procedures to identify and manage conflicts.

Termination

Either party may terminate services with written notice:

• You may terminate services at any time
• We reserve the right to terminate services if terms are violated
• Upon termination, you remain responsible for fees for services rendered
• We will provide reasonable assistance in transitioning to another advisor

Intellectual Property

All content on our website, including text, graphics, logos, and software, is the property of Hummingbird Financial & Tax Services and protected by copyright and trademark laws.

Disclaimer of Warranties

Our website and services are provided "as is" without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted or error-free.

Governing Law

These Terms of Service are governed by the laws of the State of California, United States, without regard to conflict of law principles.

Dispute Resolution

Any disputes arising from these terms will be resolved through binding arbitration in San Diego, California, in accordance with the rules of the American Arbitration Association.

Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective upon posting to our website. Continued use of our services after changes constitutes acceptance of the modified terms.

Contact Information

For questions about these Terms of Service, please contact:

• Milena Mahecha: (909) 317-8751
• Lupita Salinas: (951) 240-6332
• Aide Enriquez: (951) 606-0346
• Email: info@hummingbirdfinancial.com