Terms of Service

Last updated: 5 August 2026

These Terms of Service govern your access to and use of fraccfo.org, including its content, contact forms, booking features, downloads, and information about services offered by Frac CFO.

Please read these Terms carefully before using the website or engaging Frac CFO.

By accessing or using the website, you agree to these Terms. If you do not agree, please stop using the website.

1. About Frac CFO

The website and services are operated by:

Frac CFO – Jonas Tyrone Lobaton
NIP: PL 7812088253
pl. Ludwika Waryńskiego 2A/15
60-579 Poznań, Poland

Email: jonas.frac.cfo@gmail.com
Phone: +48 453 238 451

In these Terms, “Frac CFO,” “we,” “us,” and “our” refer to the business identified above.

“You” and “your” refer to a website visitor, prospective client, client, or other person using the website.

2. Business use

Frac CFO primarily provides services to businesses, entrepreneurs, organisations, and professionals acting for commercial purposes.

Our services are not designed as personal financial-planning services for individual consumers.

If you engage Frac CFO as a consumer, any mandatory rights available to you under applicable consumer-protection law will continue to apply and will take priority over conflicting provisions of these Terms.

3. Website information

The content of this website is provided for general business and informational purposes.

Website content may include information about:

• Financial reporting.
• Bookkeeping support.
• Financial modelling.
• Cash-flow forecasting.
• Budgeting.
• Dashboards.
• Business performance.
• E-commerce finance.
• Fractional CFO services.
• Service packages and pricing.
• General business and financial topics.

The information is not tailored to your specific business unless Frac CFO has agreed to provide services under a separate written agreement.

You should not make important financial, legal, tax, investment, employment, or operational decisions solely on the basis of general website content.

We aim to keep the website accurate and useful, but we do not guarantee that all content will always be complete, current, error-free, or suitable for every business.

4. No client relationship from website use

Visiting the website, submitting a form, sending an email, downloading material, or booking a discovery call does not automatically create a client relationship.

A client relationship begins only when Frac CFO accepts an engagement through one of the following:

• A signed service agreement.
• An accepted proposal or statement of work.
• A confirmed order through an agreed freelance or service platform.
• Another written confirmation clearly establishing the engagement.

Frac CFO may accept or decline a proposed engagement at its discretion.

Until an engagement is accepted, you should not rely on Frac CFO as your financial adviser, bookkeeper, controller, CFO, accountant, or other professional service provider.

5. Discovery calls and proposals

A discovery call is intended to:

• Understand your business.
• Discuss your financial or operational challenges.
• Determine whether Frac CFO may be able to help.
• Identify a possible scope of work.
• Explain relevant services and pricing.

A discovery call does not include a complete financial review, audit, legal opinion, tax opinion, valuation opinion, or guaranteed recommendation.

Any proposal may include:

• The services to be provided.
• Deliverables.
• Project assumptions.
• Client responsibilities.
• Fees.
• Payment schedule.
• Timeline.
• Included revisions.
• Cancellation terms.
• Confidentiality provisions.
• Data-access requirements.
• Limitations and exclusions.

Unless stated otherwise, a proposal may be withdrawn or revised before acceptance.

6. Service agreements take priority

These Terms govern general use of the website.

Specific paid services are governed by the applicable:

• Service agreement.
• Proposal.
• Statement of work.
• Order confirmation.
• Platform order.
• Invoice terms.
• Written amendment.

If these Terms conflict with a signed service agreement or accepted proposal, the more specific service agreement or proposal will control for that engagement.

Where services are purchased through Fiverr, PeoplePerHour, Buy Me a Coffee, or another third-party platform, the platform’s mandatory terms may also apply.

7. Scope of services

The exact service scope will be stated in the applicable proposal or agreement.

Services may include:

• Bookkeeping support.
• Management reporting.
• Financial-statement preparation.
• Financial modelling.
• Cash-flow forecasting.
• Budgeting.
• Variance analysis.
• KPI dashboards.
• E-commerce financial operations.
• Supplier invoice review.
• Product or client profitability analysis.
• Scenario analysis.
• Business-planning support.
• Fractional CFO advisory.
• Spreadsheet and reporting-system development.

A service is not included merely because it is mentioned somewhere on the website.

Additional requests may require:

• A revised scope.
• An additional fee.
• A separate project.
• A revised delivery schedule.

Frac CFO is not required to perform work outside the agreed scope.

8. Client responsibilities

To provide services properly, Frac CFO may require timely access to information, systems, and responsible personnel.

You agree to:

• Provide accurate, complete, and current information.
• Disclose material facts relevant to the engagement.
• Provide documents and system access on time.
• Review deliverables and raise questions promptly.
• Maintain appropriate backups of your data.
• Keep your own passwords and access credentials secure.
• Obtain any necessary internal approvals.
• Ensure that you have the right to share information with Frac CFO.
• Inform us of significant changes affecting the work.
• Make final business decisions yourself.

Frac CFO may rely on information supplied by you or by third parties acting on your behalf.

We are not responsible for errors, delays, or losses caused by:

• Incomplete information.
• Incorrect information.
• Undisclosed transactions.
• Late submissions.
• Restricted system access.
• Changes made by you or another party.
• Failure to follow agreed processes.
• Failure to review a deliverable.

Project deadlines may be extended where required information, access, feedback, or approval is delayed.

9. Financial information and estimates

Financial models, forecasts, budgets, scenarios, dashboards, and recommendations depend on assumptions and available information.

They are estimates and decision-support tools. They are not guarantees of future results.

Actual results may differ because of factors such as:

• Market conditions.
• Customer behaviour.
• Supplier changes.
• Currency movements.
• Interest rates.
• Tax changes.
• Regulatory changes.
• Pricing decisions.
• Advertising performance.
• Inventory availability.
• Management decisions.
• Unexpected events.

You remain responsible for:

• Assessing assumptions.
• Approving budgets.
• Making investments.
• Hiring employees.
• Taking loans.
• Entering contracts.
• Changing prices.
• Purchasing inventory.
• Making other business decisions.

Frac CFO does not guarantee any particular revenue, profit, cost saving, funding result, tax outcome, or business performance.

10. No legal, audit, tax-filing, or investment advice

Frac CFO does not operate as a law firm.

Website content and services do not constitute legal advice.

Unless explicitly stated in a separate written agreement and legally permitted, Frac CFO does not provide:

• Legal representation.
• Legal opinions.
• Statutory audits.
• Independent assurance opinions.
• Securities brokerage.
• Regulated investment advice.
• Personal investment recommendations.
• Tax representation before authorities.
• Statutory tax filing.
• Services reserved by law for licensed or registered professionals.

Tax returns, statutory filings, regulated accounting work, legal matters, and audit opinions should be handled by the client’s CPA, registered accountant, tax adviser, lawyer, auditor, or other appropriately qualified professional.

Frac CFO may prepare management reports, supporting schedules, financial information, and working files for review by those professionals.

You remain responsible for selecting and instructing your own licensed or registered advisers.

11. Bookkeeping and financial records

Where bookkeeping support is included, the exact responsibilities will be stated in the applicable agreement.

Unless expressly included, Frac CFO is not automatically responsible for:

• Filing tax returns.
• Filing sales-tax or VAT returns.
• Processing payroll.
• Paying suppliers.
• Collecting customer debts.
• Approving transactions.
• Signing statutory accounts.
• Performing an audit.
• Detecting every fraud or irregularity.
• Correcting historical records outside the agreed period.
• Maintaining original supporting documents.

Management reports and spreadsheet systems are not a substitute for statutory accounting records where separate records are required by law.

12. Fees and payment

Fees will be stated in the relevant proposal, agreement, platform order, or invoice.

Fees may be:

• Fixed project fees.
• Setup fees.
• Monthly recurring fees.
• Hourly fees.
• Milestone payments.
• Retainers.
• Custom fees based on scope.

Unless stated otherwise:

• Prices do not include taxes that must legally be added.
• Bank, currency-conversion, platform, or payment-processing fees may be charged separately or deducted by the payment provider.
• Work may begin only after any required deposit or advance payment has been received.
• Deliverables may be withheld until overdue invoices are paid.
• Access to ongoing services may be suspended while payment remains overdue.
• Fees for completed work are non-refundable.
• Deposits may be applied against work performed, reserved capacity, setup, or cancellation costs.

You are responsible for paying invoices according to the deadline shown on the invoice or agreed in writing.

If an invoice is disputed, you should contact Frac CFO promptly and explain the disputed amount.

Failure to use, review, or implement a completed deliverable does not remove the obligation to pay for the agreed work.

13. Recurring services

Monthly or recurring services continue for the period stated in the applicable agreement.

The agreement should specify:

• Start date.
• Billing frequency.
• Minimum commitment, if any.
• Included services.
• Notice period.
• Cancellation procedure.
• Final billing arrangements.

Unless a different rule is agreed, cancellation affects future services only.

Amounts already due for:

• Completed work.
• Work in progress.
• Reserved capacity.
• Approved expenses.
• Notice-period services

remain payable.

Frac CFO may adjust fees for future periods by providing reasonable notice. Any fee change will not alter amounts already invoiced or services already completed.

14. Cancellation and project delays

Cancellation rules may vary by service and will be stated in the applicable proposal or agreement.

Where no specific cancellation terms have been agreed:

• Either party may request cancellation in writing.
• You must pay for work completed up to the cancellation date.
• You must reimburse approved third-party costs or non-cancellable expenses.
• Frac CFO may charge for capacity specifically reserved for the project where this was communicated in advance.
• Completed setup work and delivered materials are not refundable.
• Refunds, where applicable, will exclude work already performed and non-refundable costs.

Frac CFO may pause or terminate an engagement if:

• Payment is overdue.
• Required information is not provided.
• Access is repeatedly delayed.
• Instructions are unlawful or misleading.
• Cooperation becomes abusive or unsafe.
• Continuing the work may violate professional, contractual, legal, or ethical obligations.
• The agreed project becomes materially different from the original scope.

Where reasonably possible, Frac CFO will explain the issue and provide an opportunity to resolve it before termination.

15. Revisions and acceptance of deliverables

The number of revisions included in a service will be stated in the proposal or agreement.

A revision means a reasonable adjustment to an agreed deliverable. It does not include:

• A new deliverable.
• A new business model.
• Additional reporting periods.
• New data sources.
• A material change in assumptions.
• A redesign after previous approval.
• Work outside the original scope.

You should inspect deliverables promptly and report material errors or omissions within the review period stated in the agreement.

If no review period is stated, you should raise issues within a reasonable period after delivery.

Frac CFO will correct verified errors attributable to its work within the agreed scope. New requests or changed instructions may require additional fees.

16. Access credentials and third-party systems

You may provide access to accounting systems, e-commerce platforms, cloud storage, advertising platforms, banking exports, or other business systems.

You should use secure access methods wherever possible.

Do not send passwords through an unprotected website form.

Where available, use:

• User-level access.
• Role-based permissions.
• Temporary access.
• Read-only access.
• Secure password-sharing tools.
• Multi-factor authentication.

You are responsible for selecting the access level you provide and for removing access when it is no longer required.

Frac CFO is not responsible for outages, errors, policy changes, data loss, or security incidents caused by third-party platforms outside its reasonable control.

17. Confidentiality

Frac CFO treats non-public client information as confidential.

We will not intentionally disclose confidential information except:

• To provide the agreed services.
• To authorised contractors or service providers subject to appropriate obligations.
• With your permission.
• Where disclosure is required by law.
• To protect legal rights.
• Where the information has lawfully become public through no breach by Frac CFO.

You should identify particularly sensitive information before sharing it.

Additional confidentiality requirements may be included in a service agreement or non-disclosure agreement.

Submission of information through the website before an engagement is accepted does not create the same confidentiality obligations as a signed client agreement. Do not submit highly sensitive information through a general contact form.

18. Data protection

Personal data is handled in accordance with our Privacy Policy.

The Privacy Policy explains:

• What data we collect.
• Why we process it.
• How long we retain it.
• Who may receive it.
• Your data-protection rights.
• How to contact us.

Where Frac CFO processes personal data on behalf of a client, the parties may enter into a separate data-processing agreement where required.

The client is responsible for ensuring that it has a lawful basis to provide personal data to Frac CFO.

19. Intellectual property

Website content

Unless stated otherwise, the website and its original content are owned by or licensed to Frac CFO.

This includes:

• Written content.
• Branding.
• Graphics.
• Page designs.
• Financial frameworks.
• Templates.
• Checklists.
• Downloads.
• Spreadsheets.
• Models.
• Methodologies.
• Training materials.

You may view and use the website for legitimate internal business purposes.

You may not, without permission:

• Copy substantial website content.
• Republish it.
• Sell it.
• Remove ownership notices.
• Present it as your own.
• Use it to create a competing product.
• Scrape or systematically extract website content.
• Reverse engineer protected templates or systems.

Client data

You retain ownership of the business data and original materials you provide.

You confirm that you have the necessary rights and permissions to provide those materials to Frac CFO.

Client deliverables

Ownership and permitted use of client deliverables will be stated in the relevant agreement.

Unless otherwise agreed:

• You may use fully paid deliverables internally for your business.
• Frac CFO retains ownership of its pre-existing templates, tools, methods, formulas, frameworks, know-how, and reusable components.
• Embedded Frac CFO materials are licensed for use with the deliverable and are not transferred as unrestricted intellectual property.
• Editable source files are included only where stated.
• Rights to unpaid deliverables remain with Frac CFO.

The transfer or licence of deliverables is subject to full payment of all related invoices.

20. Portfolio use and testimonials

Frac CFO will not intentionally disclose confidential client financial data for marketing purposes without permission.

Where permitted by the client, Frac CFO may use:

• A testimonial.
• A client name or logo.
• An anonymised description of the work.
• A redacted screenshot.
• A general result or case study.

Permission may be withdrawn for future use, but withdrawal does not require Frac CFO to recall materials already lawfully printed, distributed, or published where removal is not reasonably practical.

21. Acceptable website use

You must not use the website to:

• Break any law.
• Submit false or misleading information.
• Impersonate another person.
• Attempt unauthorised access.
• Introduce malware or harmful code.
• Disrupt website availability.
• Scrape content at scale.
• Collect other users’ information.
• Send spam.
• Interfere with security features.
• Infringe intellectual-property rights.
• Harass, threaten, or abuse another person.

We may restrict or block access where we reasonably believe the website is being misused.

22. Third-party links and tools

The website may link to or integrate with third-party services, including:

• Google.
• Gmail.
• Google Calendar.
• Google Meet.
• Google Drive.
• Meta.
• LinkedIn.
• Fiverr.
• PeoplePerHour.
• Buy Me a Coffee.
• Payment processors.
• Scheduling platforms.
• Analytics providers.
• E-commerce platforms.

Third-party services are governed by their own terms and privacy policies.

Frac CFO does not control those services and is not responsible for their:

• Availability.
• Security.
• Content.
• Pricing.
• Decisions.
• Data practices.
• Errors.
• Terms.
• Policy changes.

A link does not necessarily mean that Frac CFO endorses every statement, service, or product offered by the third party.

23. Availability and changes to the website

We may:

• Update the website.
• Change its design.
• Remove content.
• Add or remove services.
• Change prices.
• Restrict access.
• Suspend the website for maintenance.
• Discontinue a feature.

We do not guarantee uninterrupted access.

Temporary downtime does not create a right to compensation unless a specific written agreement says otherwise.

24. Disclaimer of warranties

To the fullest extent permitted by applicable law, the website is provided on an “as available” basis.

Frac CFO does not guarantee that:

• The website will always be available.
• Every error will be corrected immediately.
• The website will meet every technical requirement.
• General content will be suitable for your business.
• Use of the website will produce a particular result.
• Third-party links or integrations will remain available.

Nothing in these Terms excludes an obligation or warranty that cannot legally be excluded.

25. Limitation of liability

Nothing in these Terms excludes or limits liability where exclusion or limitation is prohibited by law.

To the fullest extent permitted by law, Frac CFO will not be liable for indirect, incidental, special, punitive, or consequential losses arising from general use of the website.

This may include loss of:

• Profit.
• Revenue.
• Business opportunities.
• Contracts.
• Reputation.
• Anticipated savings.
• Data.
• Business continuity.

Frac CFO is not responsible for business decisions made solely from general website content.

Liability for paid services will be governed primarily by the relevant service agreement.

Where no separate limitation has been agreed and limitation is legally permitted, Frac CFO’s total liability relating to a paid engagement will not exceed the fees actually paid to Frac CFO for the specific service giving rise to the claim.

This limitation does not apply where liability cannot lawfully be limited, including where applicable in cases of deliberate misconduct.

26. Events outside reasonable control

Frac CFO will not be responsible for delay or failure caused by circumstances outside its reasonable control.

These may include:

• Internet or power outages.
• Cyberattacks.
• Third-party platform failure.
• Cloud-service disruption.
• Banking disruption.
• Government action.
• Natural disasters.
• War.
• Civil disturbance.
• Epidemics.
• Serious illness.
• Labour disruption.
• Changes in law.
• Failure of a client or third party to provide necessary information.

Where possible, Frac CFO will communicate material delays and take reasonable steps to reduce their impact.

27. Suspension and termination of website access

We may suspend or terminate access to the website where:

• These Terms are breached.
• The website is misused.
• Security is threatened.
• Continued access may harm Frac CFO or another person.
• Suspension is required by law.

Sections intended to continue after termination will remain effective, including provisions concerning payment, confidentiality, intellectual property, disclaimers, liability, and governing law.

28. Governing law

These Terms are governed by the laws of Poland.

This choice of law does not remove any mandatory rights that cannot legally be excluded under the law applicable to you.

For business-to-business matters, the parties agree that disputes will be subject to the courts competent for Poznań, Poland, unless a separate written agreement provides otherwise.

Mandatory jurisdiction rules, including applicable consumer-protection rules, remain unaffected.

29. Resolving disputes

Before starting formal legal proceedings, you are encouraged to contact Frac CFO and explain the issue.

Contact:

jonas.frac.cfo@gmail.com

The parties should make a reasonable effort to resolve the dispute through good-faith discussion.

This does not prevent either party from:

• Seeking urgent legal protection.
• Protecting a claim before a limitation period expires.
• Using another remedy available under applicable law.

30. Changes to these Terms

We may update these Terms when:

• The website changes.
• Services change.
• Business practices change.
• New tools or platforms are introduced.
• Legal requirements change.

The latest version will be published on this page with an updated date.

Changes apply from the date they are published unless a later date is stated.

Changes to these website Terms will not retroactively alter an existing signed client agreement.

31. Severability

If any part of these Terms is held to be invalid, unlawful, or unenforceable, the remaining provisions will continue to apply.

The invalid provision will be interpreted or adjusted only to the minimum extent necessary to make it valid where legally possible.

32. No waiver

If Frac CFO does not immediately enforce a provision of these Terms, that does not mean the provision has been waived.

A waiver is effective only when clearly confirmed in writing.

33. Assignment

You may not transfer your rights or obligations under a paid engagement without written permission from Frac CFO.

Frac CFO may transfer its rights or obligations as part of a business restructuring, sale, or lawful use of subcontractors, subject to applicable confidentiality and data-protection obligations.

34. Entire agreement

For general website use, these Terms and the Privacy Policy form the agreement between you and Frac CFO.

For paid services, the entire agreement may also include the applicable:

• Proposal.
• Service agreement.
• Statement of work.
• Order confirmation.
• Platform terms.
• Invoice terms.
• Written amendments.

Informal discussions do not override the final written terms accepted by the parties.

35. Contact

Questions about these Terms may be sent to:

Frac CFO – Jonas Tyrone Lobaton
NIP: PL 7812088253
pl. Ludwika Waryńskiego 2A/15
60-579 Poznań, Poland

Email: jonas.frac.cfo@gmail.com
Phone: +48 453 238 451