By accessing, browsing, or using this Website, users acknowledge and agree to be legally bound by these Terms of Use and all applicable laws and regulations.
If a user does not agree to these Terms, the Website must not be accessed or used.

Users may access and use the Website solely for lawful and authorized purposes.
Users agree not to:

• Use the Website for unlawful, fraudulent, deceptive, or unauthorized purposes
• Attempt unauthorized access to systems, servers, networks, databases, or accounts
• Circumvent or interfere with Website security measures
• Introduce malicious code, malware, bots, scripts, or harmful technologies
• Engage in scraping, harvesting, automated extraction, or unauthorized data collection
• Copy, reproduce, distribute, modify, republish, transmit, display, or exploit Website content without authorization
• Misrepresent identity or submit false or misleading information
• Interfere with Website functionality, performance, or availability

Unauthorized use may result in suspension or termination of access and potential legal action.

All Website content, including text, graphics, branding, logos, software, layouts, visual elements, downloadable materials, proprietary information, and other materials, is protected by applicable intellectual property, copyright, trademark, trade secret, and related laws.
No ownership rights are transferred through use of the Website.
Unauthorized copying, reproduction, republication, modification, distribution, scraping, framing, mirroring, extraction, or exploitation of Website content is strictly prohibited.

Users remain solely responsible for any information, communications, files, submissions, or materials transmitted through the Website.
Users represent and warrant that submitted materials:

• Do not violate applicable laws or regulations
• Do not infringe third-party rights
• Do not contain malicious or harmful code
• Are accurate and lawful to provide

The Website owner reserves the right, but not the obligation, to remove or restrict access to materials deemed unlawful, harmful, inappropriate, or inconsistent with these Terms.

The Website owner reserves the right, without notice or liability, to monitor Website activity, investigate suspected violations, restrict or terminate Website access, remove content or submissions, cooperate with law enforcement or regulatory authorities, and pursue legal remedies as deemed appropriate.

Users agree to indemnify, defend, and hold harmless the Website owner, operators, affiliates, contractors, licensors, vendors, service providers, agents, representatives, successors, and assigns from and against any claims, liabilities, damages, losses, judgments, settlements, costs, expenses, or legal fees arising from or relating to:

• Violation of these Terms
• Misuse of the Website
• Violation of applicable laws or third-party rights
• User-submitted materials or communications
• Unauthorized or unlawful conduct associated with Website use

To the fullest extent permitted by applicable law, any dispute, claim, or controversy arising out of or relating to the Website or these Terms shall be resolved exclusively through binding confidential arbitration. Users waive any right to participate in class actions, representative proceedings, class arbitrations, or jury trials.

These Terms and all Website-related matters shall be governed by and construed in accordance with the laws of the State of California, without regard to conflict of law principles. To the extent any dispute is permitted to proceed in court, exclusive jurisdiction and venue shall lie within the appropriate state or federal courts located in California.

These Terms may be modified, updated, revised, or replaced at any time without prior notice. Continued use of the Website following any modification constitutes acceptance of the revised Terms.

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, the remaining provisions shall remain in full force and effect to the fullest extent permitted by law.

These Terms constitute the entire agreement relating to Website use and supersede prior understandings or communications relating thereto.

Questions regarding these Terms of Use may be directed to: nitin@ngpacpa.com