Terms & Conditions.
Last Updated: August 13, 2025
This website is operated by Lugo Consulting Services Inc., doing business as Lugo Accounting (“we,” “us,” or “our”). We offer this website, including all information, tools, and services available from this site, to you (the “user”), conditioned upon your acceptance of all terms, conditions, policies, and notices stated here.
By visiting our site and/or purchasing something from us, you engage in our “Service” and agree to be bound by these Terms and Conditions (“Terms”), including additional terms, conditions, and policies referenced herein and/or available by hyperlink.
Please read these Terms carefully before accessing or using our website. By accessing or using any part of the site, you agree to be bound by these Terms. If you do not agree to all the Terms, then you may not access the website or use any Services.
Any new features or tools added to the current website will also be subject to these Terms. You can review the most current version at any time on this page. We reserve the right to update, change, or replace any part of these Terms by posting updates here. It is your responsibility to check periodically for changes. Your continued use of or access to the website after changes are posted constitutes acceptance of those changes.
Our website is hosted on Squarespace.
Online Terms
By agreeing to these Terms, you represent that you are at least the age of majority in your state or province of residence, or you are the age of majority and have given consent for any minor dependents to use this site.
General Conditions
We reserve the right to refuse Service to anyone for any reason at any time. You understand that your content (not including credit card information) may be transferred unencrypted and involve:
(a) transmissions over various networks; and
(b) changes to conform and adapt to technical requirements of connecting networks or devices.Credit card information is always encrypted during transfer over networks.
You agree not to reproduce, duplicate, copy, sell, resell, or exploit any portion of the Service without express written permission from us. Headings are for convenience only and will not limit or otherwise affect these Terms.
Accuracy, Completeness, and Timeliness of Information
We are not responsible if information on this site is inaccurate, incomplete, or outdated. The material on this site is for general information only and should not be relied upon solely for making decisions without consulting primary, more accurate sources. Any reliance on the material is at your own risk.
We may modify the contents of this site at any time without obligation to update. You agree it is your responsibility to monitor changes.
Modifications to the Service and Prices
Prices for our services or products are subject to change without notice. We reserve the right to modify or discontinue the Service (or any part thereof) at any time without notice.
No Rendering of Advice
Information provided on this site does not create a client relationship. Users should not act upon this information without independently verifying it.
The content is not intended to constitute legal, accounting, tax, or financial advice from an attorney, accountant, Certified Financial Planner, or tax preparer. While we use reasonable efforts to provide accurate and current information, we do not warrant or guarantee its completeness, adequacy, or currency. Use of the information is at your own risk.
Third-Party Links
For your convenience, this website may contain links to third-party sites. We do not control, endorse, or guarantee the content found on those sites and are not responsible for their actions, products, services, or content.
Your use of such sites is entirely at your own risk. Review their policies before engaging in transactions. Complaints or questions regarding third-party products should be directed to the third party.
Third-Party Content
Any reference to specific commercial products, processes, or services by trade name, trademark, hyperlink, or otherwise does not imply endorsement by us. Content on the website may be provided by third parties and reflects their views, not necessarily ours.
Data Security
We do our best to protect your personal information but cannot guarantee absolute security. Transmission of personal information is at your own risk. Do not share passwords or use insecure channels to send confidential information. All sensitive information is protected by SSL technology.
Personal Information
Your submission of personal information through the site is governed by our Privacy Policy.
Prohibited Uses
You are prohibited from using the site or its content for any unlawful or harmful purposes, including but not limited to:
(a) violating laws or regulations;
(b) infringing on intellectual property rights;
(c) submitting false or misleading information;
(d) transmitting malicious code;
(e) collecting personal information without consent;
(f) spamming or scraping; or
(g) interfering with security features.We reserve the right to terminate your access for violations.
Disclaimer of Warranties; Limitation of Liability
The Service and all products are provided “as is” and “as available,” without warranties of any kind, express or implied. We do not guarantee uninterrupted, secure, or error-free service.
In no event shall Lugo Consulting Services Inc., doing business as Lugo Accounting, or its affiliates be liable for any indirect, incidental, punitive, special, or consequential damages, including lost profits, revenue, or data, whether in contract, tort, or otherwise.
Some jurisdictions do not allow certain limitations; in such cases, our liability is limited to the maximum extent permitted by law. Our total liability shall not exceed the amount paid by you for accessing the website.
Indemnification
You agree to indemnify and hold harmless Lugo Consulting Services Inc., doing business as Lugo Accounting, and its affiliates from any claims or demands arising from your breach of these Terms or violation of any law or rights of a third party.
Severability
If any provision of these Terms is found unlawful or unenforceable, it shall be severed without affecting the enforceability of the remaining provisions.
Termination
These Terms remain in effect unless terminated by you or us. We may terminate without notice if we believe you have violated them, and you will remain liable for any amounts due up to the date of termination.Intellectual Property
All materials on this site, including text, images, videos, and other content, are owned or licensed by Lugo Consulting Services Inc., doing business as Lugo Accounting, and protected by copyright, trademark, and other intellectual property laws. No content may be used without prior written permission.
Entire Agreement
These Terms and any policies posted on the site constitute the entire agreement between you and us, superseding prior agreements. Failure to enforce any provision shall not be deemed a waiver.
Governing Law
These Terms shall be governed by the laws of the United States and the State of New Jersey. All disputes must be brought exclusively in the state or federal courts located in New Jersey.
Any claim must be filed within one (1) year of its occurrence or be barred as untimely. All parties waive the right to a trial by jury.
Changes to Terms
We may update these Terms at any time by posting changes on this page. Your continued use of the site after changes are posted constitutes acceptance.
Contact Information
Questions about these Terms should be sent to:
Lugo Consulting Services Inc., doing business as Lugo Accounting
555 Broadway
Bayonne, NJ 07002
(646) 851-3034
walber@lugoaccounting.com