Disclaimer

1. General Disclaimer

Mac Angelo Financial Services ("we," "our," or "the Company") provides accounting, tax, bookkeeping, business advisory, business formation, credit building, and related financial services to individuals and businesses. While we strive to provide accurate, current, and helpful information, the content on this website and in our communications is provided for general informational purposes only.

Nothing on this website or in any communication from Mac Angelo Financial Services — including but not limited to blog posts, guides, social media content, email newsletters, free consultations, or website copy — constitutes personalised financial, tax, legal, or investment advice unless you have entered into a signed engagement agreement with us for specific professional services.

2. Not Legal or Investment Advice

Mac Angelo Financial Services is not a law firm and does not provide legal advice. Mac Angelo Financial Services is not a registered investment adviser and does not provide investment advice, securities recommendations, or portfolio management services.

Any discussion of legal structures (such as LLCs, S-Corps, or C-Corps) is provided for general educational purposes only. The decision to form a specific entity type involves legal and tax considerations unique to your circumstances. You should consult with a qualified attorney before making entity formation decisions.

3. Tax Information Notice

General Tax Information

Tax information provided on our website — including blog posts, guides, and educational content — reflects general principles under U.S. federal tax law and may not reflect the most recent legislative changes. Tax law is complex and changes frequently. Information that is accurate at the time of publication may become outdated.

No Attorney-Client or CPA-Client Relationship

Reading content on our website or attending a free consultation does not create a client relationship. A formal CPA-client or accountant-client relationship is established only through a signed engagement letter. Until such a relationship exists, communications between you and Mac Angelo Financial Services are not protected by accountant-client privilege.

IRS Circular 230 Notice

State and International Tax

Our primary expertise covers U.S. federal and Florida state tax matters. References to tax rules, rates, or procedures on our website relate to U.S. federal law unless otherwise stated. Tax obligations vary significantly by state and country. Always verify the applicability of tax information to your specific jurisdiction with a qualified tax professional.

4. Credit & Funding Disclaimer

Credit Building & Repair

Credit building and credit repair services are governed by the Credit Repair Organizations Act (CROA) and applicable state laws. Mac Angelo Financial Services does not guarantee any specific credit score improvement, credit limit increase, or credit-related outcome. Legitimate credit improvement takes time and depends on factors including your credit history, payment behaviour, and the policies of individual credit bureaus and lenders.

You have the right to dispute inaccurate items on your credit report directly with credit bureaus at no cost. Our credit services provide strategic guidance, dispute assistance, and credit optimisation planning — not guaranteed outcomes.

Business Funding & Loans

Mac Angelo Financial Services is not a lender, broker, or financial institution. We assist clients in preparing loan applications, improving funding readiness, and identifying appropriate funding products. We do not guarantee loan approval, funding amounts, or interest rates. All lending decisions are made by independent third-party lenders and are subject to their own underwriting criteria.

SBA loan assistance is provided as a preparation and application support service only. Approval is at the sole discretion of the SBA and participating lenders.

5. No Guarantee of Results

Mac Angelo Financial Services does not guarantee specific financial outcomes from the use of our services. While we bring expertise, care, and professional diligence to every engagement, actual results depend on many factors outside our control, including:

• The accuracy and completeness of information you provide
• Changes in applicable tax law, IRS policy, or regulatory requirements
• The decisions and actions you take independently of our advice
• Third-party decisions (lenders, credit bureaus, the IRS, state agencies)
• General economic conditions and market factors

Any financial projections, savings estimates, or outcome illustrations we provide are based on information available at the time and are not guarantees of future performance. Past results achieved for other clients are not indicative of results that will be achieved for you.

6. Website Content

We make reasonable efforts to ensure the accuracy and currency of information on macangelo.io. However, we make no warranty, express or implied, that:

• The information is accurate, complete, or up to date
• The website will be available without interruption or error
• The website is free from viruses or other harmful components
• Defects will be corrected

Content on this website may be changed, updated, or removed at any time without notice. You should not rely on website content as a substitute for professional advice tailored to your circumstances.

7. External Links

Our website may contain links to third-party websites including the IRS (irs.gov), Small Business Administration (sba.gov), credit bureaus, lenders, and other financial resources. These links are provided for convenience and informational purposes only.

Mac Angelo Financial Services does not endorse, control, or assume responsibility for the content, accuracy, or practices of any linked third-party website. Visiting a linked website is at your own risk. We encourage you to review the privacy policy and terms of service of any third-party website you visit.

8. Testimonials & Case Studies

Testimonials, client stories, and case studies presented on this website reflect the real experiences of specific clients in specific circumstances. They are provided to illustrate the types of outcomes that are possible — not to represent typical or guaranteed results.

Individual results will vary based on your unique financial situation, business type, goals, and the specific services engaged. Mac Angelo Financial Services does not guarantee that you will achieve results similar to those described in any testimonial or case study.

9. Errors & Omissions

Despite our best efforts, this website may contain typographical errors, calculation errors, or outdated information. Mac Angelo Financial Services expressly disclaims any liability for errors or omissions in the content of this website.

If you identify an error on our website, please notify us at hq@macangelo.io and we will review and correct it as appropriate.

This Disclaimer is not intended to limit our liability in any way that is prohibited by applicable law. Some jurisdictions do not permit certain liability limitations, so some of the above limitations may not apply to you in their entirety.

10. Contact

If you have questions about this Disclaimer or about the nature and scope of our services, contact us: