Introduction & Overview

Thank you for choosing Baer Mountain Financial Services (“BMFS”, “us”, “we”, “our”). Please read the following terms carefully and in full, as these terms outline the provisions agreed upon once a deposit or payment for our services has been made.

If you are an individual acting on your company’s or client’s behalf, you accept these provisions on their behalf and the term “you” will refer to you, your company, or your client.

By entering into a signed agreement with us, you acknowledge that you have read, understand, and agree to these terms, along with any additional terms provided separately to you.

We may change or modify the provisions of these terms at any time, and may notify you of any changes or modifications by electronic mail, as advertised on https://www.baermountainfs.com (“website”) or other means. It’s important that you review any modified terms because your continued agreement for our services indicates your acknowledgement and agreement to the modifications.

In some cases, you may need to accept changes or modifications to these terms to continue receiving our services. If you do not agree to the changes, our services will cease immediately and no refund will be issued. You agree that we will not be liable to you or any third-party for any modifications, suspension or termination of our services.

Your Personal Information

We want to be transparent about how we use your personal information and about your rights in our Privacy Policy. You should only provide us with personal information of others if you have received permission to do so.

You agree that BMFS may use and maintain your personal information according to our Privacy Policy and any changes published by us. To the extent we request or allow you to provide or input personal information (as the term is defined under applicable law) about other individuals other than yourself, you represent and warrant that you have complied with all applicable laws and received the proper authority or consent to allow us to collect and process such information to operate our business, in accordance with our Privacy Policy. You further agree that, such sharing does not constitute a “sale” of information as defined under the California Consumer Privacy Act (CCPA).

Account

You will provide accurate, up-to-date personal information as needed to verify your identity and you authorize us to collect information (i.e. date of birth, address) from you to do so and we disclaim any liability arising from your failure to provide any requested information, as such failure may limit our accuracy and effectiveness in providing services to you.

Payment & Terminations

Some Services may be free, others may have costs associated with them. For those with costs, we may charge your payment method for fees or on a subscription basis as stated in the current service contract or letter of engagement (“agreement”). You may terminate your services at any time as outlined in the agreement with a 30-day written notice (but you may not receive a refund).

We may require a deposit, payment in full or a recurring subscription charge for rending of our services and you agree to pay such fees. Payments will be billed in US dollars, and your account will be charged upon purchase and when you provide your payment information, unless otherwise stated in our agreement or other applicable payment provisions. If your payment information is not accurate, current and complete, we may suspend or terminate services. If you do not notify us of updates to your payment information, you may be subject to additional fees.

You may be charged a subscription fee in advance on an annual basis or other recurring interval disclosed to you. For annual subscriptions, we will send you a reminder with the then-current subscription fee no less than thirty (30) days and no more than sixty (60) days prior to our agreement term ending, or otherwise as required by applicable law. BMFS may change the price for recurring subscription fees from time to time with notice to you. Price changes will take effect at the start of the next subscription period following the date of the price change. If you do not agree with the price change, you may opt to not renew your agreement with us.

Advice and Third Party Services or Products

You may have access to professional advice and third-party products. Any such advice and products are not covered under these Terms.

We may offer specific functionality in our communication or on our website that provides you with the opportunity to utilize other professional services (“Platform”), such as the ability to utilize a tax software program. Unless specifically disclosed, BMFS is not in the business of providing legal, financial, accounting, tax, health care, insurance, real estate or other professional service or advise, and you should consult with professionals for advice prior to making important decisions in these areas.

Our website may also include information about or offers for third-party services or products or allow you to connect to or otherwise access third-party services or products. BMFS does not warrant, and is not responsible for, such third-party services or products or claims made about them, or the actions or inactions of any third-party. You must review and comply with any Additional Terms. BMFS may be compensated by those third parties, which could impact whether, how and where the services and products are displayed.

Content & Data

What’s yours remains yours, what’s ours remains ours, but we may use information you provide to improve our services.

You are solely responsible for anything you write, submit, receive, share and store or any data you input into the Platform (collectively, your “Content”). Content includes, but is not limited to, data, information, materials, text, graphics, images, audio, video that are uploaded, transmitted, posted, generated, stored, or otherwise made available through the Platform. You have no obligation to provide any content to the Platform, and you’re free to choose the content that you want to provide. You acknowledge certain functionality or services may be dependent on the provision of Content and may not be available without such Content. Further rights and terms may be found in our Privacy Policy.

Questions

If you have any questions about these Terms, please contact us using the following contact information:

Baer Mountain Financial Services
PO Box 774
Clarkston, WA 99403

hello@baermountainfs.com

1 (208) 503-6262

Rev. Nov 1, 2025