Terms & Conditions

Effective Date: June 17, 2026

Welcome to FourAM Advisors.

These Terms & Conditions (“Terms”) govern your access to and use of the website located at fouramadvisors.com and related online services associated with FourAM Advisors (collectively, the “Service”). The Service is operated by FourAM Advisors, a division of FourAM Inc. (“FourAM Advisors,” “we,” “us,” or “our”).

By accessing or using the Service, you agree to be bound by these Terms. If you do not agree with these Terms, you must discontinue use of the Service.

Use of the Service

You agree to use the Service only for lawful purposes and in accordance with these Terms.

You agree not to:

Use the Service in violation of any applicable law or regulation
Attempt to gain unauthorized access to any part of the Service
Interfere with the security or operation of the Service
Upload or transmit harmful, malicious, defamatory, or unlawful content
Misrepresent your identity, affiliation, qualifications, or intentions
Use the Service to solicit, advertise, or promote third-party products or services without permission
Copy, scrape, harvest, or misuse website content or data

We may restrict, suspend, or terminate access to the Service if we believe these Terms have been violated.

Advisory Information and No Guarantees

The content on the Service is provided for general informational and business-advisory purposes only. It does not constitute legal, tax, accounting, investment, securities, lending, or financial advice.

FourAM Advisors does not guarantee any specific business, acquisition, investment, operational, valuation, financing, revenue, profit, liquidity, sale, or enterprise-value outcome.

Any advisory relationship, if formed, will be governed by a separate written agreement.

No Client Relationship from Website Use

Accessing the website, submitting an inquiry, submitting an application, downloading information, or communicating through the Service does not create a client, advisory, fiduciary, attorney-client, accountant-client, broker, dealer, lender, or investment-advisory relationship.

A formal client relationship exists only if and when both parties execute a separate written engagement agreement.

Applications and Advisory Review

Submitting an application or inquiry does not guarantee acceptance, availability, eligibility, or an offer to work with FourAM Advisors.

FourAM Advisors may accept, decline, defer, or discontinue application review at its discretion.

Intellectual Property

All website content, design elements, frameworks, written materials, graphics, trademarks, logos, methods, and other materials made available through the Service are owned by FourAM Advisors, FourAM Inc., or their licensors and are protected by intellectual property laws.

This includes, without limitation:

The Five-Pillar framework
Acquire, Optimize, Scale, Invest, Protect materials
Four Lenses concepts
Website copy and design
Advisory materials
Brand assets
Business frameworks
Presentations, tools, templates, and documents

You may not copy, modify, reproduce, publish, distribute, sell, license, reverse engineer, create derivative works from, or commercially exploit any part of the Service without prior written permission.

Confidentiality of Materials

If you receive access to private advisory materials, client portal content, documents, tools, workspaces, dashboards, or other non-public resources, you agree to keep them confidential unless otherwise agreed in writing.

You may not share, publish, distribute, or disclose private materials to third parties without written permission.

Client Portal and Account Access

If FourAM Advisors provides access to a client portal, advisory workspace, or private system, you are responsible for maintaining the confidentiality of your login credentials.

You agree to:

Provide accurate information
Maintain the security of your account
Notify us promptly of unauthorized access
Use private systems only for authorized purposes

We may suspend or terminate portal access if misuse, unauthorized sharing, or security risk is suspected.

Payments and Engagement Fees

Any advisory fees, payment terms, retainers, installments, deposits, or related financial obligations will be governed by the applicable written proposal, invoice, agreement, or engagement letter.

Unless otherwise stated in a signed written agreement, advisory fees and deposits are non-refundable.

Third-Party Services

The Service may link to or integrate with third-party platforms, including scheduling tools, payment processors, CRM systems, analytics services, email platforms, client portals, document tools, or other service providers.

We are not responsible for the content, policies, security, availability, or practices of third-party services.

No Warranties

The Service is provided “as is” and “as available” without warranties of any kind, express or implied.

We do not warrant that:

The Service will be uninterrupted or error-free
The Service will be secure or free of harmful components
The content will be accurate, complete, or current at all times
Any errors will be corrected
Any specific outcome will result from using the Service

Limitation of Liability

To the fullest extent permitted by law, FourAM Advisors, FourAM Inc., and their owners, officers, employees, contractors, affiliates, partners, and representatives will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising out of or related to your use of the Service.

This includes, without limitation, damages for lost profits, lost revenue, business interruption, loss of data, loss of goodwill, failed transactions, financing outcomes, investment losses, operational decisions, or business results.

Indemnification

You agree to indemnify, defend, and hold harmless FourAM Advisors, FourAM Inc., and their owners, officers, employees, contractors, affiliates, partners, and representatives from and against any claims, damages, losses, liabilities, costs, and expenses, including reasonable attorneys’ fees, arising from:

Your use of the Service
Your violation of these Terms
Your violation of law
Your violation of third-party rights
Information or materials you submit through the Service
Your misuse of private advisory materials or client portal access

Termination

We may suspend or terminate access to the Service, client portal, private materials, or communications at any time if we believe these Terms have been violated or if continued access presents a legal, security, operational, or business risk.

Governing Law

These Terms are governed by the laws of the State of California, United States, without regard to conflict-of-law principles.

Any disputes arising under or relating to these Terms shall be resolved in the appropriate courts located in California, unless otherwise required by law or agreed in writing.

Changes to These Terms

We may update these Terms at any time. Changes are effective when posted on this page with an updated effective date.

Your continued use of the Service after changes are posted constitutes acceptance of the revised Terms.

Contact Us

Questions about these Terms may be directed to:

FourAM Advisors

Questions about these Terms may be submitted through the Contact page at fouramadvisors.com/contact.

Website: fouramadvisors.com/contact