Terms Of Service

Lowe Levinson Financial Solutions

Effective Date: 1/1/2026

Last Updated: 3/5/2026

1. ACCEPTANCE OF TERMS

These Terms of Service (“Terms”) constitute a legally binding agreement between Lowe Levinson Financial Solutions, a Maryland limited liability company (“Lowe Levinson Financial Solutions,” “we,” “us,” or “our”), and you (“Client,” “you,” or “your”) governing your use of our consulting and advisory services. By engaging our services, accessing our website at lowelevinsonfinancialsolutions.com, or executing an agreement with us, you acknowledge that you have read, understood, and agree to be bound by these Terms.

If you do not agree to these Terms, you may not use our services or website.

2. DESCRIPTION OF SERVICES

2.1 Financial Services

Lowe Levinson Financial Services provides tax, accounting, consulting and advisory services, including but not limited to:

• Evaluation and recommendation financial solutions
• Accounting systems, tax and financial solutions consulting
• Strategic planning

2.2 Advisor/Consultant Relationship

IMPORTANT: Lowe Levinson Financial Solutions acts as an independent consultant and advisory firm for clients.

2.3 No Obligations

Lowe Levinson Financial Solutions is not responsible for:

• Maintenance, or operation of vendor-provided services
• Billing, payment processing, or collections outside specific scopes of work in writing.  
• Warranty claims or service guarantees.

3. CLIENT RESPONSIBILITIES

3.1 Information Accuracy

You agree to provide accurate, complete, and current information regarding your business needs, existing technology infrastructure, budget constraints, and business objectives. TrueTech’s recommendations are based on the information you provide, and you acknowledge that incomplete or inaccurate information may result in suboptimal recommendations.

3.2 Decision Authority

You represent that you have the authority to make decisions on behalf of yourself or your organization, or have obtained necessary approvals from appropriate decision-makers.

3.3  Relationships

You acknowledge that:

• You are solely responsible for reviewing, understanding, and agreeing to any presented terms and conditions

3.4 System Access

When you grant Lowe Levinsons Financial Solutions access to your systems, networks, or business data for assessment or implementation purposes, you agree to:

• Provide necessary credentials, permissions, and access rights
• Ensure you have authorization to grant such access
• Maintain appropriate backups of your data
• Notify us of any security or confidentiality requirements

3.5 SMS Usage

By opting into SMS from a web form or other medium, you are agreeing to receive SMS messages from Lowe Levinson Financial Solutions. This includes SMS messages for conversations from employees. Message frequency varies. Message and data rates may apply. See privacy policy at www.lowelevinsonfinancialsolutions.com/privacypolicy. Message HELP for help. Reply STOP to any message to opt out.

4. ENGAGEMENT TERMS AND TERMINATION

4.1 Scope Variation

The scope, duration, and specific terms of each engagement may vary based on your needs, the services requested, and the complexity of the project. Specific engagement terms will be outlined in individual project proposals or statements of work.

5. RECOMMENDATIONS AND DISCLAIMERS

5.1 Nature of Recommendations

Low Levinson Financial Solutions recommendations are based on our professional assessment of your stated needs, industry best practices, and available vendor solutions. Our recommendations represent our professional opinion but do not constitute guarantees of performance, suitability, or outcomes.

6. LIMITATION OF LIABILITY

6.1 Maximum Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LOWE LEVINSON FINANCIAL SOLUTIONS TOTAL EXCLUSION OF ANY LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM OR RELATED TO OUR SERVICES.

6.2 Excluded Damages

IN NO EVENT SHALL LOWE LEVINSON FINANCIAL SOLUTIONS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Lost profits or revenue
• Business interruption or downtime
• Loss of data or information
• Cost of replacement services
• Loss of business opportunities
• Damage to reputation

EVEN IF LOWE LEVINSON FINANCIAL SOLUTIONS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

6.3 Third-Party Actions

Lowe Levinson Financial Solutions is not liable for any actions, omissions, errors, negligence, breaches, or failures of Vendors, including but not limited to service outages, data breaches, billing errors, or failure to perform contractual obligations.

6.4 Professional Liability Insurance

Lowe Levinson Financial Solutions maintains professional liability/errors and omissions insurance with coverage limits of ( ). Nothing in these Terms shall be construed to limit liability beyond the amounts covered by such insurance.

6.5 Allocation of Risk

These limitations reflect an agreed-upon allocation of risk between the parties and are a material part of these Terms. The pricing of TrueTech’s services (commission-based model) reflects this allocation.

7. INDEMNIFICATION

7.1 Client Indemnification

You agree to indemnify, defend, and hold harmless Lowe Levinson Financial Solutions, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys’ fees) arising from or related to:

• Your breach of these Terms
• Your violation of any applicable laws or regulations
• Your agreements or disputes with Vendors
• Inaccurate or incomplete information you provide to Lowe Levinson Financial Solutions
• Your use or misuse of recommended solutions
• Third-party claims arising from your business operations

8. CONFIDENTIALITY AND DATA PROTECTION

8.1 Confidential Information

“Confidential Information” includes all non-public information disclosed by either party, including business plans, financial information, customer data, technical specifications, system architecture, pricing information, and strategic plans.

8.2 Obligations

Each party agrees to:

• Maintain the confidentiality of the other party’s Confidential Information
• Use Confidential Information only for purposes of the engagement
• Limit access to employees and contractors with a legitimate need to know
• Protect Confidential Information with the same degree of care used for its own confidential information, but no less than reasonable care

8.3 System and Data Access

When Lowe Levinson Financial Solutions accesses your systems or business data:

• Access will be limited to what is necessary to provide services
• Lowe Levinson Financial Solutions will comply with your reasonable security policies and procedures
• Lowe Levinson Financial Solutions will not copy, retain, or use your data except as necessary for the engagement
• You remain the sole owner of all your data and intellectual property

8.4 Data Security

Lowe Levinson Financial Solutions implements reasonable administrative, physical, and technical safeguards to protect your information. However, no security system is impenetrable, and Lowe Levinson Financial Solutions cannot guarantee absolute security.

8.5 Exceptions

Confidentiality obligations do not apply to information that:

• Is or becomes publicly available through no breach of these Terms
• Was rightfully known prior to disclosure
• Is independently developed without use of Confidential Information
• Is required to be disclosed by law or court order (with prior notice if permitted)

8.6 Vendor Disclosure

You acknowledge that Lowe Levinson Finncial Solutions  may need to share certain business information with Vendors to obtain quotes, proposals, and service agreements. TrueTech will share only information necessary for such purposes.

9. INTELLECTUAL PROPERTY

9.1 Client Ownership

You retain all right, title, and interest in your business data, systems, processes, and intellectual property.

9.2 Lowe Levinson Financial Solutions  Ownership

Lowe Levinson Financial Solutions retains all right, title, and interest in its methodologies, tools, templates, knowledge base, and proprietary processes.

10.3 Work Product

Documentation, assessments, and recommendations created specifically for you during an engagement will be provided to you for your use, but Lowe Levinson Fincial Solutions retains the right to reuse general concepts, methodologies, and non-confidential learnings in serving other clients.

TERM AND TERMINATION

11.1 Term

These Terms become effective when you first engage Lowe Levinson Financial Solutions services and continue until terminated by Lowe Levinson Financial Solutions.

11.2 Termination Rights

Either party may terminate the relationship with written notice to the other party.

11.3 Survival

The following sections survive termination: Confidentiality, Limitation of Liability, Indemnification and  Intellectual Property.

12. DISPUTE RESOLUTION

12.1 Informal Resolution

Before initiating any formal dispute resolution, the parties agree to attempt to resolve disputes through good-faith negotiation. Either party may initiate negotiations by providing written notice describing the dispute.

12.2 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Maryland, New York and Georgia without regard to its conflict of laws principles.

12.6 Attorneys’ Fees

In any dispute resolution proceeding, the prevailing party shall be entitled to recover reasonable attorneys’ fees and costs from the non-prevailing party.

13. GENERAL PROVISIONS

13.1 Entire Agreement

These Terms, together with any executed statements of work or project proposals, constitute the entire agreement between the parties regarding the subject matter herein and supersede all prior agreements, understandings, and communications.

13.2 Amendments

Lowe Levinson Financial Solutions reserves the right to modify these Terms at any time. Changes will be posted on our website with the “Last Updated” date. Continued use of our services after changes constitutes acceptance of modified Terms. Material changes affecting existing engagements will be communicated directly with thirty (30) days’ notice.

13.3 Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

13.4 Waiver

No waiver of any term or condition shall be deemed a further or continuing waiver of such term or any other term. Failure to enforce any provision shall not constitute a waiver of that provision.

13.5 Assignment

You may not assign or transfer these Terms or any rights hereunder without Lowe Levinson Financial Solutions prior written consent. Lowe Levinson Financial Solutions may assign these Terms in connection with a merger, acquisition, or sale of substantially all of its assets.

13.6 Force Majeure

Neither party shall be liable for failure or delay in performance due to causes beyond its reasonable control, including acts of God, natural disasters, war, terrorism, labor disputes, governmental actions, or internet/telecommunications failures.

13.7 Notice

All notices required or permitted under these Terms shall be in writing and delivered via email to the addresses provided during engagement, or to:

Lowe Levinson Financial Solutions

11102 Furlong Court

Upper Marlboro, Maryland 20772

info@lowelevinsonsolutions.com

13.8 Headings

Section headings are for convenience only and shall not affect the interpretation of these Terms.

13.9 Counterparts

These Terms and any related agreements may be executed in counterparts, including electronic signatures, each of which shall be deemed an original and all of which together shall constitute one agreement.

14. ACCEPTANCE

By engaging Lowe Levinson Financial Solutions, submitting an inquiry through our website, or signing a project proposal, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.

For questions about these Terms, please contact:

Lowe Levinson Financial Solutions

11102 Furlong Court

Upper Marlboro, Maryland 20772

855-829-7737

info@lowelevinsonsolutions.com

Website: lowelevinsonfinancialsolutions.com

END OF TERMS OF SERVICE