📄 TERMS OF SERVICE

Effective Date: 2026.01.31
Last Updated: 2026.03.30

1. AGREEMENT TO TERMS

These Terms of Service (“Terms”) govern your use of www.birddogfinance.com (the “Website”), operated by OATS Financial LLC, doing business as Birddog Finance (“Birddog,” “we,” “us,” or “our”).

By accessing or using this Website, you agree to these Terms.
If you do not agree, do not use the Website.

2. USE OF THE WEBSITE

You agree to use this Website only for lawful purposes.

You may not:

• Use the Website in any way that violates applicable laws

• Attempt to gain unauthorized access to systems or data

• Interfere with the Website’s functionality or security

• Copy, reproduce, or exploit Website content without permission

3. NO PROFESSIONAL RELATIONSHIP

Use of this Website does not create a client relationship.

No accountant-client relationship is formed unless:

• You have signed a formal engagement agreement with us, and

• We have explicitly agreed to provide services

4. NO PROFESSIONAL ADVICE

All content on this Website is provided for informational purposes only.

It does not constitute:

• Accounting advice

• Tax advice

• Legal advice

You should consult a qualified professional before making any financial or tax decisions.

5. INTELLECTUAL PROPERTY

All content on this Website, including:

• Text

• Graphics

• Branding

• Downloads

is the property of OATS Financial LLC or its licensors and is protected by intellectual property laws.

You may not use, reproduce, or distribute content without prior written permission.

6. USER SUBMISSIONS

If you submit information through forms, email, or other means:

• You grant us the right to use that information to respond and provide services

• You represent that the information is accurate and lawful

We are not responsible for errors or omissions in information you provide.

7. THIRD-PARTY SERVICES

We may use third-party tools (e.g., scheduling platforms, payment processors, analytics providers).

We are not responsible for the practices, policies, or performance of third-party services.

8. DISCLAIMERS

The Website is provided on an “as is” and “as available” basis.

We make no warranties, express or implied, including:

• Accuracy or completeness of content

• Availability or uninterrupted access

• Fitness for a particular purpose

9. LIMITATION OF LIABILITY

To the fullest extent permitted by law:

OATS Financial LLC and Birddog Finance shall not be liable for any:

• Direct

• Indirect

• Incidental

• Consequential

• Special damages

arising from or related to:

• Your use of the Website

• Reliance on any content

• Errors or omissions

Even if we have been advised of the possibility of such damages.

10. INDEMNIFICATION

You agree to indemnify and hold harmless OATS Financial LLC and Birddog Finance from any claims, damages, or expenses arising out of:

• Your use of the Website

• Your violation of these Terms

• Your misuse of information provided

11. GOVERNING LAW

These Terms are governed by the laws of the State of New Jersey, without regard to conflict of law principles.

Any disputes shall be resolved in the state or federal courts located in New Jersey.

12. CALIFORNIA USERS

If you are a California resident, you waive California Civil Code §1542, which states:

A general release does not extend to claims which the creditor does not know or suspect to exist in their favor at the time of executing the release.

13. TERMINATION

We reserve the right to:

• Restrict or terminate access to the Website

• Remove content

• Take appropriate legal action

at our sole discretion, without notice.

14. CHANGES TO THESE TERMS

We may update these Terms at any time.

Your continued use of the Website after changes are posted constitutes acceptance of the updated Terms.

15. CONTACT INFORMATION

If you have questions about these Terms, contact:

📧 info@birddog.finance