Information

Terms of Use

Effective Date: October 1, 2026.

These Terms of Use describe the use of the Zoi Financials public website, including its articles and contact form. Services provided under a client engagement are governed by the applicable engagement agreement.

General information

Website information is general information, not individualized financial, tax, or legal advice. Consult a qualified professional about your specific circumstances.

Articles, examples, and service descriptions may not address your particular circumstances. Information can change over time, and we do not promise that every page is complete or current. Website content does not guarantee a particular financial, operational, or business outcome.

Contact inquiries

Submitting the contact form does not create a client relationship or engagement. Services begin only after an appropriate engagement. A submission confirmation acknowledges email processing; it does not mean Zoi has accepted an engagement.

Submitting an inquiry does not guarantee that a service is available or that we will accept a proposed engagement. Scope, fees, responsibilities, and other service terms must be agreed separately.

Information you submit

The contact form is for general inquiries only. Please do not submit confidential financial, tax, medical, account, password, or client information. If a conversation requires sensitive documents, first agree with us on an appropriate way to provide them.

Provide accurate information and only information you are authorized to share. Do not impersonate another person or submit spam, malicious material, or unlawful content.

Acceptable use

Use this website lawfully and in a way that respects other visitors and the security of the site. Do not attempt unauthorized access, interfere with the website's operation, introduce harmful code, or bypass submission or security controls.

Website content and third-party materials

Website text, designs, images, logos, and other materials may be protected by copyright, trademark, or other rights held by Zoi Financials or their respective owners. You may read and link to our public pages. For other uses, obtain any permission required by applicable law or the relevant license. These terms do not restrict uses permitted by law.

Third-party names and logos remain the property of their respective owners. Their appearance does not by itself establish sponsorship, endorsement, or a current client relationship.

Third-party links

Links to third-party websites are provided for reference or convenience. We do not control those websites or their content, availability, or practices. Review their terms and privacy policies before using them or providing information.

Website availability

The website and contact form may be unavailable because of maintenance, technical problems, or service-provider interruptions. A successful submission message confirms email processing, not guaranteed inbox delivery. If you cannot submit an inquiry, you may email contact.us@zoifinancials.com. Do not use this website for urgent or time-sensitive instructions.

Privacy

Our Privacy Policy explains how we handle website information and contact inquiries. Please review it before submitting information.

Changes and questions

We may update the website and these Terms of Use. The effective date appears at the top of this page. Updates to website terms do not by themselves change a separately agreed client engagement.

For questions about these terms, contact contact.us@zoifinancials.com.