Effective Date: 02/25/2026

Welcome to the website of Chaney & Associates ("Company," "we," "our," or "us"). By accessing or using this website, you agree to be bound by the following Terms & Conditions.

If you do not agree to these terms, please do not use this website.

1. Use of Website

This website is provided for informational purposes only.

You agree to use this website only for lawful purposes and in a manner that does not:

• Violate any applicable laws or regulations
• Infringe upon the rights of others
• Interfere with the security or operation of the website

2. No Professional Advice

Information provided on this website is for general informational purposes only and does not constitute accounting, tax, financial, or legal advice.

No professional relationship is formed by accessing this website or contacting us through the website.

Professional services are provided only pursuant to a signed engagement agreement.

3. Intellectual Property

All content on this website, including text, logos, graphics, and design elements, is the property of Chaney & Associates unless otherwise noted.

You may not reproduce, distribute, modify, or republish website content without prior written permission.

4. Third-Party Links

This website may contain links to third-party websites for convenience.

Chaney & Associates is not responsible for the content, privacy practices, or policies of third-party websites.

Accessing third-party links is at your own risk.

5. Limitation of Liability

Chaney & Associates shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or related to:

• Use of this website
• Reliance on information provided on this website
• Website interruptions or technical issues

Your use of this website is at your own risk.

6. Disclaimer of Warranties

This website is provided "as is" and "as available" without warranties of any kind, express or implied.

We do not guarantee that:

• The website will be uninterrupted or error-free
• Content will always be accurate or complete
• The website will be free from viruses or harmful components

7. SMS Communications

If you provide written consent to receive SMS messages from Chaney & Associates, your participation is governed by our SMS Terms & Conditions, which are available at: https://chaneyassociates.com/sms-terms

Message frequency varies but is typically fewer than 10 messages per month per recipient.

Message and data rates may apply. You may opt out at any time by replying STOP.

8. Privacy

Your use of this website is also governed by our Privacy Policy, available at: https://chaneyassociates.com/privacy-policy

9. Changes to These Terms

Chaney & Assoc reserves the right to modify these Terms & Conditions at any time.

Updates will be posted on this page with a revised effective date.

Continued use of the website after changes are posted constitutes acceptance of the revised terms.

10. Governing Law

These Terms & Conditions are governed by the laws of the State of California, without regard to conflict of law principles.

11. Contact Information

If you have questions regarding these Terms & Conditions, please contact:

Chaney & Associates 1098 Meloday Lane, Suite 500 Roseville, CA 95678 Phone: 916-367-6304 Email: info@chaneyassociates.com