Terms of Service

1. Services

Murray & Associates ("we," "us," or "our") provides bookkeeping, accounting support, QuickBooks Online setup and training, financial reporting, and related services to small businesses. The specific scope of services for each client is defined in a separate written engagement letter or service agreement.

The information provided on this website is for general informational purposes only and does not constitute financial, tax, or legal advice. Engagement of our services does not establish a CPA-client relationship. We are bookkeepers and accounting professionals, not licensed Certified Public Accountants.

2. Use of This Website

You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of others. You agree not to:

• Transmit any unsolicited or unauthorized advertising or promotional material.
• Attempt to gain unauthorized access to any part of the website or its related systems.
• Use the site in any way that could damage, disable, overburden, or impair it.
• Reproduce, duplicate, copy, or resell any part of this website without our express written permission.

3. Consultations

Free consultations offered through this website are provided as a courtesy to prospective clients. They are intended to help both parties determine whether a service engagement is appropriate. A free consultation does not constitute the start of a client engagement and does not create any obligation on either party.

We reserve the right to cancel or reschedule consultations at our discretion with reasonable notice.

4. Intellectual Property

All content on this website — including text, graphics, logos, blog posts, and design elements — is the property of Murray & Associates and is protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works from any content on this site without our prior written consent.

Our free downloadable resources (such as the Bookkeeping Checklist) are provided for your personal, non-commercial use only.

5. Disclaimer of Warranties

This website and its content are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied. We do not warrant that the website will be error-free, uninterrupted, or free of viruses or other harmful components.

The information on this website is provided for general informational purposes only. We make no representations or warranties about the accuracy, completeness, or suitability of this information for any particular purpose.

6. Limitation of Liability

To the fullest extent permitted by law, Murray & Associates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of this website or reliance on any information provided herein. Our total liability to you for any claim arising from your use of this website shall not exceed $100.

This limitation does not apply to liability arising from our professional service engagements, which are governed by separate engagement agreements.

7. Third-Party Links

This website may contain links to third-party websites (such as Calendly, QuickBooks, or social media platforms). These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

8. Privacy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms of Service by reference.

9. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the District of Columbia, without regard to its conflict of law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts located in Washington, DC.

10. Changes to These Terms

We reserve the right to update these Terms of Service at any time. Changes will be posted on this page with a revised "Last updated" date. Your continued use of this website after any changes constitutes your acceptance of the updated terms.

11. Contact Us

If you have questions about these Terms of Service, please contact us: