Terms & Conditions of Use
Effective date: February 19, 2026
Use of This Website
The use of this website is subject to the following terms of use.
Communications
By creating an account on our service, you agree to subscribe to newsletters, text messages, marketing or promotional materials, and other information we may send. You may opt out by following the unsubscribe link or instructions provided in any email we send.
My Headquarters Pro, LLC DBA Savvy CFO and Advanced Tax Group, LLC are two separate and independent companies that worked together to create their course, Savvy Start Up. Customers who register for this course agree to hold harmless any and all liability of both entities from any results experienced from content consumed in the course.
Customers who register via opt-in to Savvy Start Up agree to receive communication separately from both companies. To stop communications from either company, you must opt out from that company’s email list. An opt-out from one list does not automatically opt you out of the other.
Purchases
If you purchase any product or service through the Service, you may be asked to provide payment information (e.g., credit card number, expiration date, billing address, shipping information).
- You represent and warrant that you have the legal right to use any payment method you provide and that your information is true, correct, and complete.
- We may use third-party services to facilitate payment and completion of purchases. By submitting your information, you grant us the right to provide the information to these third parties subject to our Privacy Policy.
- We reserve the right to refuse or cancel orders for reasons including, but not limited to, availability, errors in descriptions or prices, errors in your order, or suspicion of fraud or unauthorized/illegal transactions.
Guarantee & Refunds
We offer an unconditional 30-day 100% money-back guarantee for Programs, Services, or Subscriptions. If you are not completely satisfied for any reason, contact us within 30 days of purchase for a refund. We may make grace exceptions and/or extensions on a case-by-case basis.
Availability, Errors, and Inaccuracies
We are constantly updating product and service offerings. Information on the Service may contain errors or inaccuracies and may not be complete or current. We reserve the right to change or update information and correct errors, inaccuracies, or omissions at any time without prior notice.
Additional Notations
1. Explicit AI Tool Usage Terms
The Savvy Scorecard and its AI Assistant provide automated insights and recommendations based on the data you enter. These AI-generated outputs are for informational purposes only and do not constitute professional financial, legal, or tax advice, nor create an advisor-client relationship. AI-generated content may be incomplete or inaccurate; you use it at your own risk. My Headquarters Pro, LLC disclaims all liability for decisions made based on AI-generated content.
2. Affiliate Marketing Disclosure
Our website and services may contain affiliate links through which My Headquarters Pro, LLC may earn commissions at no additional cost to you. We promote products and services we believe offer value. Affiliates must market ethically and comply with applicable laws. We are not responsible for the actions, content, communications, or claims made by affiliates and disclaim liability arising from affiliate marketing or links. Affiliates must clearly disclose their affiliate relationship in accordance with FTC guidelines. We may suspend or terminate non-compliant affiliates.
3. Lead and Data Sharing
By opting in through book-related lead generation or other marketing efforts, you consent to sharing your contact information and marketing preferences with authorized affiliates and partners for relevant promotional offers, products, and services. Data sharing will comply with applicable privacy laws and your communication preferences. We may share user data with affiliate partners strictly for authorized marketing and promotional purposes; we do not control affiliate data practices beyond our agreements.
4. User Responsibilities and Consent
You agree to provide accurate and complete information when registering or opting in. You consent to receive communications from My Headquarters Pro, LLC and authorized affiliates. You are responsible for managing opt-in/opt-out preferences. Opting out of one channel or company does not guarantee removal from all affiliated communications.
5. Robust Indemnification Clause
You agree to indemnify, defend, and hold harmless My Headquarters Pro, LLC and its officers, directors, employees, agents, affiliates, and licensors from and against claims, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Service, your violation of these Terms or applicable laws, or your violation of third-party rights, including but not limited to affiliate and AI tool usage activities.
6. Disclaimer Clauses
The Service and all content, products, and services are provided “as is” and “as available” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or free from harmful components. Your reliance is at your sole risk; we are not liable for direct, indirect, incidental, consequential, or punitive damages arising from your use.
Contests, Sweepstakes, and Promotions
Any promotions may be governed by rules separate from these Terms. If you participate, review the applicable rules and our Privacy Policy. If there is a conflict, the promotion rules apply.
Fee Changes
We may modify subscription fees at our discretion, effective at the end of the then-current billing cycle. We will provide reasonable prior notice. Continued use after the change constitutes your agreement to the modified fee.
Content
You are responsible for the content you post, including its legality, reliability, and appropriateness. By posting content, you represent that you own it or have rights to use it and grant us a license to use, modify, publicly perform, display, reproduce, and distribute it on and through the Service. We may monitor and edit content but are not obligated to do so. Content on or through the Service is our property or used with permission and may not be used without prior written consent.
Accounts
- You must be over 18 and provide accurate, complete, and current information. Inaccurate information may result in termination.
- You are responsible for maintaining confidentiality of your account and password and for activities under your account.
- You may not use a username you are not authorized to use, that infringes rights, or that is offensive, vulgar, or obscene.
- We may refuse service, terminate accounts, remove/edit content, or cancel orders at our discretion.
Copyright Policy
We respect intellectual property rights and respond to claims of infringement. If you believe content infringes your copyright, email [email protected] with the subject “Copyright Infringement” and include a detailed description per the DMCA notice procedure below.
DMCA Notice and Procedure for Copyright Infringement Claims
Provide the following in writing (see 17 U.S.C. 512(c)(3)):
- Your electronic or physical signature.
- Description of the copyrighted work and its location (URL or copy).
- Identification of the URL or specific location on the Service of the alleged infringing material.
- Your address, telephone number, and email address.
- A statement of good-faith belief that the disputed use is not authorized.
- A statement under penalty of perjury that the information is accurate and that you are the copyright owner or authorized to act on their behalf.
Contact our Copyright Agent at [email protected].
Intellectual Property
The Service and its original content (excluding user content), features, and functionality are the exclusive property of My Headquarters Pro, LLC and its licensors, protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used without prior written consent.
Links to Other Websites
Our Service may contain links to third-party websites or services not owned or controlled by us. We are not responsible for their content, privacy policies, or practices and do not warrant their offerings. Read the terms and privacy policies of any third-party sites you visit.
Termination
We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason including breach of these Terms. If you wish to terminate your account, discontinue use of the Service. Provisions that should survive termination will remain in effect.
Indemnification
You agree to defend, indemnify, and hold harmless My Headquarters Pro, LLC and its licensees, licensors, and their personnel from claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including attorneys’ fees) resulting from your access or use of the Service, your breach of these Terms, or content posted on the Service. Customers and clients will be held harmless from issues that could occur as a result of using our tools, services, or resources, including merchant account or gateway changes, fees, penalties, reserves, or account cancellations. If you grant us access to your systems (CRM, processors, gateways, banking, etc.), you permit changes and hold us harmless for potential issues.
Limitation of Liability
In no event shall My Headquarters Pro, LLC or its affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, use, goodwill, or other intangible losses, arising from your use of or inability to use the Service, third-party conduct or content, content obtained from the Service, or unauthorized access to or alteration of your transmissions or content.
Warranties Disclaimer
Your use of the Service is at your sole risk. The Service is provided on an “AS IS” and “AS AVAILABLE” basis without warranties of any kind. We do not warrant that the Service will function uninterrupted or securely, that errors will be corrected, that it is free of harmful components, or that results will meet your requirements.
Earnings Disclaimer
Earning and income statements are not to be considered average results. There is no guarantee of income; results vary by individual capacity, experience, expertise, and desire. Testimonials are not representative. We may compensate referral partners for successful sales and may be affiliates of third-party products or services.
Exclusions
Some jurisdictions do not allow certain warranty exclusions or limitations of liability, so the above limitations may not apply to you.
Governing Law
These Terms are governed by the laws of Georgia, United States, without regard to conflict-of-law provisions. Failure to enforce any right or provision is not a waiver. If any provision is invalid, remaining provisions remain in effect. These Terms constitute the entire agreement regarding the Service.
Changes
We may modify or replace these Terms at any time. If a revision is material, we will provide at least 15 days’ notice before new terms take effect. By continuing to use the Service after revisions become effective, you agree to be bound by the revised terms.
Contact Us
If you have questions about these Terms, please contact us.
Disclaimer: Savvy CFO Scorecard, Book and Resources
The Resources are designed for existing and established business owners, their leadership teams, and financial professionals (including bookkeepers, accountants, CPAs, fractional CFOs, tax professionals, auditors, treasurers, and comptrollers) to help them deepen their understanding and better serve their clients. These resources are for educational purposes only. Every business and personal situation is unique, and the strategies, concepts, and opinions presented are intended only as a general framework and starting point. They are not a substitute for personalized advice from appropriately licensed professionals who understand your specific circumstances. You are strongly encouraged to consult with qualified legal, tax, and financial professionals before implementing any strategies or making any decisions based on the Resources.
No Professional Relationship
Reading this book or using any of the Resources does not create an advisor‑client, fiduciary, attorney‑client, CPA‑client, or any other professional relationship with the author, My Headquarters Pro, LLC (DBA Savvy CFO / DBA My CFO Pro), or any affiliated professionals. No such relationship exists unless and until you enter into a separate written engagement agreement with an appropriately licensed professional.
AI, Automation, and Executive Summaries
The Online Savvy Scorecard Rubric Calculator, its AI assistant, any automated assessment tools, and any automatically generated reports or Executive Summaries may provide suggestions, scores, insights, or action items based on information you supply and the concepts discussed in this book. These outputs may be incomplete, inaccurate, inconsistent, or not applicable to your specific situation and are provided solely for general educational purposes. They do not constitute legal, tax, accounting, investment, or other professional advice, and you agree not to rely on them as such. You remain solely responsible for all decisions you make, and you agree to have all material business, financial, tax, and legal decisions reviewed and approved by appropriately licensed professionals who understand your specific circumstances.
No Guarantees; Your Responsibility
There is no guarantee that your business will earn more money, reduce expenses, improve cash flow, enhance profitability, become more financially healthy, or achieve any particular outcome as a result of reading this book or using any of the Resources. Likewise, there is no guarantee that bookkeepers, accountants, CPAs, or other financial professionals will increase their income, attract more clients, or grow their practices by applying the ideas described here or by using related tools such as the Savvy Scorecard Rubric. Any testimonials, case studies, or examples (including fictional examples) are for illustration only and do not represent typical or guaranteed results. You are solely responsible for evaluating the risks and benefits of any action or inaction, and you agree that you will not rely on this book, the Resources, any interviews (including those in this book or related media), or any AI‑generated content as the primary basis for any business, financial, tax, legal, or investment decisions.
By reading this book or using the Resources, you knowingly and voluntarily assume all risks associated with implementing or not implementing any ideas, suggestions, examples, or strategies discussed. You agree to accept full responsibility for your choices, actions, inactions, and results, and for ensuring that your actions comply with all applicable laws, regulations, contracts, and third‑party terms of service.
Accuracy, Completeness, and Changes
The Resources are provided on an “as is” and “as available” basis, without any representation or warranty, express or implied, as to accuracy, completeness, timeliness, reliability, merchantability, fitness for a particular purpose, or non‑infringement. Laws, regulations, industry practices, technologies, and platform or vendor requirements change over time, and information may become outdated, incomplete, or inaccurate. Errors or omissions may occur. You are responsible for independently verifying any information before relying on it.
Data, Privacy, and Use of Information
By reading this book and using the Resources (including the Savvy Scorecard online tool with AI‑assisted feedback and recommendations), you acknowledge that your use is subject to our Terms & Conditions and Privacy Policy. Data you submit may be used to provide, maintain, and improve our products and services; to communicate with you about our own products and services; and to present relevant offers from our authorized affiliate partners, including in aggregated or de‑identified form for analytics and product development, all as described in our Privacy Policy.
If you provide any personal data while using the Resources, we collect and process this information in accordance with applicable data protection laws and our Privacy Policy. Your data is handled using commercially reasonable security measures and is used only for the purposes described in that policy, including providing, improving, and personalizing your experience. For full details about what data we collect, how we use and share it (including with affiliates and service providers), your rights, and how to exercise them, please review our Privacy Policy at https://www.savvycfo.com/terms-conditions-privacy-policy.
Vendors, Third Parties, and Compliance
From time to time, this book and the Resources may reference or discuss third‑party platforms, vendors, payment processors, lenders, software tools, or service providers. Any such references are for illustrative and informational purposes only and do not constitute an endorsement, guarantee, or warranty of any third‑party products, services, practices, or policies. You are solely responsible for carefully reviewing and complying with the terms of service, contracts, fee schedules, risk policies, underwriting criteria, and applicable laws and regulations that govern your relationships with any third‑party vendors or service providers.
International Users
The concepts, examples, and references in this book and the Resources are primarily based on practices and laws applicable in the United States and may not be appropriate, compliant, or advisable in other countries or jurisdictions. If you access or use the Resources from outside the United States, you are solely responsible for ensuring that such access and use comply with all laws and regulations applicable in your jurisdiction. You agree to seek local professional advice before applying any strategies outside the United States.
Limitation of Liability
To the maximum extent permitted by applicable law, neither the author nor My Headquarters Pro, LLC (DBA Savvy CFO / DBA My CFO Pro), nor any of their owners, members, managers, employees, contractors, or affiliates shall be liable for any indirect, incidental, consequential, special, exemplary, punitive, or other non‑direct damages whatsoever, including without limitation loss of profits, loss of revenue, loss of data, business interruption, loss of goodwill, or other commercial damages or losses, arising out of or in connection with your use of or reliance on this book or the Resources, or any decisions you make or fail to make based on them, even if advised of the possibility of such damages. If, notwithstanding the foregoing, any liability is found to exist, such liability shall in no event exceed the greater of (i) the amount you paid for this book, and (ii) the total fees you paid (if any) for access to the Online Savvy Scorecard Rubric Calculator and related tools in the twelve (12) months immediately preceding the event giving rise to the claim, to the maximum extent permitted by law. Some jurisdictions do not allow the exclusion or limitation of certain damages; in such jurisdictions, these limitations apply only to the extent permitted by law.
Governing Law, Jurisdiction, and Relationship to Terms
This Disclaimer, and any dispute, claim, or controversy arising out of or relating to this book or the Resources, shall be governed by and construed in accordance with the laws of the State of Georgia, without regard to its conflict‑of‑law principles. These terms and conditions are governed by the laws of the State of Georgia, United States of America. You agree that the exclusive jurisdiction and venue for any such dispute shall be the state and federal courts located in Gwinnett County, Georgia, and you consent to the personal jurisdiction of such courts.
Your use of the Resources is also subject to our Terms & Conditions and Privacy Policy, available at https://www.savvycfo.com/terms-conditions-privacy-policy. In the event of any inconsistency between this Disclaimer and our Terms & Conditions or Privacy Policy, the provisions that most fully disclaim professional advice and limit our liability shall apply, to the maximum extent permitted by law. All other provisions of our Terms & Conditions and Privacy Policy remain in full force and effect and are incorporated here by reference.
My Headquarters Pro, LLC Privacy Policy
Definitions
- Service — The https://SavvyCFO.com website operated by My Headquarters Pro, LLC.
- Personal Data — Data about a living individual who can be identified from those data.
- Usage Data — Data collected automatically by the Service or its infrastructure (e.g., visit duration).
- Cookies — Small data files stored on your device.
- Data Controller — The person or entity that determines purposes and means of processing personal data (we are the Data Controller).
- Data Processors (Service Providers) — Parties who process data on our behalf.
- Data Subject (User) — Any individual using our Service and the subject of Personal Data.
Information Collection and Use
We collect several types of information to provide and improve the Service.
Personal Data
- Email address
- First and last name
- Phone number
- Address, State, Province, ZIP/Postal code, City
- Cookies and Usage Data
We may contact you with newsletters, marketing, or promotional materials. You may opt out via unsubscribe links in our emails.
Usage Data
We may collect IP address, browser type/version, pages visited, timestamps, time spent, device identifiers, and diagnostics.
Tracking Cookies Data
We use cookies and similar tracking technologies (beacons, tags, scripts) to track activity and hold information. You can instruct your browser to refuse cookies, but some portions of the Service may not function properly.
Examples of Cookies
- Session Cookies — Operate the Service.
- Preference Cookies — Remember preferences and settings.
- Security Cookies — Used for security purposes.
Use of Data
- To provide and maintain the Service
- To notify you about changes to the Service
- To enable interactive features
- To provide customer support
- To gather analysis or valuable information to improve the Service
- To monitor usage
- To detect, prevent, and address technical issues
- To provide news, special offers, and information about similar goods and services (unless you opt out)
Legal Basis for Processing Personal Data (GDPR)
If you are in the EEA, our legal bases may include:
- Performance of a contract
- Your consent
- Legitimate interests not overridden by your rights
- Payment processing
- Compliance with law
Retention of Data
We retain Personal Data only as long as necessary for purposes outlined in this policy, including legal obligations, dispute resolution, and policy enforcement. Usage Data is generally retained for a shorter period unless needed for security or functionality improvements or required by law.
Transfer of Data
Your information may be transferred to and maintained on computers outside your jurisdiction, including the United States. By providing information, you consent to this transfer. We take reasonable steps to ensure secure treatment and that no transfer occurs unless adequate controls are in place.
Disclosure of Data
Business Transaction
If we are involved in a merger, acquisition, or asset sale, your Personal Data may be transferred. We will provide notice before your data becomes subject to a different policy.
Disclosure for Law Enforcement
We may disclose Personal Data where required by law or valid governmental requests.
Legal Requirements
- To comply with a legal obligation
- To protect and defend our rights or property
- To prevent or investigate wrongdoing
- To protect the personal safety of users or the public
- To protect against legal liability
Security of Data
While we strive to use commercially acceptable means to protect your Personal Data, no method of transmission or electronic storage is 100% secure.
“Do Not Track” (CalOPPA)
We do not support DNT. You can enable or disable DNT in your browser settings.
Your GDPR Rights
If you are an EEA resident, you may:
- Access, update, or delete your Personal Data
- Request rectification of inaccurate or incomplete data
- Object to processing
- Request restriction of processing
- Request data portability
- Withdraw consent at any time
We may ask you to verify your identity before responding. You have the right to complain to your local data protection authority.
Affiliate Marketing Data Privacy
We may share your personal data with authorized affiliate partners to provide relevant offers, products, and services, in compliance with GDPR and CCPA. Affiliates must protect your information and use it only for authorized purposes. You may opt out of affiliate communications using their instructions; opting out from us does not automatically opt you out from affiliates.
AI Data Collection and Usage
When you interact with our AI-powered tools (including the Savvy Scorecard Rubric Calculator), we may collect additional data you provide to improve AI-driven insights. AI-generated content does not replace professional advice. Data is processed securely and used for specified purposes aligned with user consent and applicable laws.
User Rights and Consent Management
You may access, correct, or request deletion of your personal data collected by us or shared with affiliates. Opt out of marketing communications by following unsubscribe instructions or contacting us; you must contact affiliates directly to opt out of their communications.
Cookies and Tracking for Affiliate Marketing
We and our affiliates use cookies and similar technologies to monitor interactions with affiliate links and campaigns, attribute sales, and provide tailored advertising. You can manage preferences via browser settings or provided opt-out tools.
Compliance and Accountability
We comply with applicable privacy laws and review our data handling procedures and affiliate agreements to uphold standards and maintain transparency. Personal data shared with affiliates may be transferred across borders.
Service Providers
We may employ third parties to facilitate the Service, provide the Service, perform Service-related services, or assist in analyzing usage. They have access to Personal Data only to perform tasks on our behalf and are obligated not to disclose or use it for other purposes.
Analytics
We may use third-party analytics services (e.g., Google Analytics). For Google’s privacy practices, see Google Privacy Terms. You can opt out using the Google Analytics Opt-out Browser Add-on.
Behavioral Remarketing
- Google Ads: Manage at Ads Settings.
- Facebook: See Data Policy and opt-out resources via DAA/EDAA.
- AdRoll: See Privacy Policy and opt-out options.
Payments
We use third-party payment processors and do not store payment card details. Processors adhere to PCI-DSS standards. Examples include:
- PayPal/Braintree — Privacy Policy
- Authorize.net — Privacy Policy
Links to Other Sites
Our Service may contain links to third-party sites not operated by us. Review the privacy policy of every site you visit. We have no control over and assume no responsibility for third-party content, policies, or practices.
Children’s Privacy
We do not knowingly collect personally identifiable information from anyone under 18. If you become aware that your child has provided us with Personal Data, contact us so we can remove it.
Changes to This Privacy Policy
We may update this policy and will notify you by posting the new policy on this page and updating the effective date. We may also notify you by email and/or a prominent notice on the Service.
Contact Us
- Email: [email protected]
- Website: https://SavvyCFO.com/contact-us
- Phone: 1-413-33-SAVVY (72889)
- Mail: PO Box 2170, Duluth, GA 30096