Terms & Conditions

Welcome to Cabayo Consulting. These Terms and Conditions (“Terms”) govern your access to and use of cabayoconsulting.com, including any pages, content, features, forms, chat tools, and communications made available through the website.

In these Terms, “Cabayo Consulting,” “Company,” “we,” “us,” and “our” refer to Cabayo Consulting and its applicable owners, employees, representatives, and service providers. “You” and “your” refer to the individual or business accessing or using the website.

By accessing or using the website, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you should not access or use the website.

1. Use of the Website

You may use this website only for lawful purposes and in accordance with these Terms.

You agree that you will not:

• Violate any applicable federal, state, local, or international law or regulation.
• Use the website for any fraudulent, deceptive, unlawful, or unauthorized purpose.
• Impersonate Cabayo Consulting, another person, or another business.
• Submit information that is false, misleading, defamatory, infringing, or unlawful.
• Attempt to gain unauthorized access to the website, its systems, connected accounts, or data.
• Interfere with, disrupt, damage, or impair the operation or security of the website.
• Introduce viruses, malicious code, automated attacks, scraping tools, or other harmful technologies.
• Use website content for unauthorized commercial exploitation, resale, republication, or competitive analysis.

2. Eligibility

The website is intended for adults and authorized representatives of businesses. By using the website, you represent that you are at least 18 years old and have the legal capacity and authority to agree to these Terms. If you use the website on behalf of a company or other organization, you represent that you are authorized to bind that organization.

3. Services Provided

Cabayo Consulting provides financial advisory and business consulting services, which may include cash flow projections, income analysis and optimization, financial modeling, strategic planning, and mergers and acquisitions consulting.

Information presented on the website is general in nature and does not create a client relationship, advisory relationship, fiduciary relationship, partnership, joint venture, employment relationship, or other professional engagement.

Any consulting engagement, project scope, deliverables, fees, payment terms, responsibilities, confidentiality obligations, timelines, and other service-specific terms will be governed by a separate written proposal, engagement letter, statement of work, contract, or other agreement between Cabayo Consulting and the client.

4. No Guarantee of Results

Financial projections, valuations, forecasts, recommendations, transaction analyses, and other advisory materials may rely on information supplied by clients, third parties, market conditions, assumptions, estimates, and events outside our control.

Cabayo Consulting does not guarantee any specific financial result, revenue increase, profit improvement, transaction outcome, valuation, financing approval, business sale, acquisition result, tax result, or investment performance. Actual results may differ materially from projections or expectations.

5. Legal, Tax, Accounting and Investment Matters

Unless expressly stated in a separate written agreement, Cabayo Consulting does not provide legal advice, tax advice, public accounting services, audit opinions, securities brokerage services, investment advisory services, or regulated financial services.

Clients and website users should consult qualified attorneys, certified public accountants, tax professionals, investment advisers, lenders, or other licensed professionals regarding matters within their areas of responsibility.

6. Information You Provide

You are responsible for ensuring that information you submit through the website or provide to Cabayo Consulting is accurate, complete, current, and lawfully provided.

You should not submit confidential financial records, account credentials, Social Security numbers, banking passwords, payment-card information, or other highly sensitive information through an unsecured website form, text message, or chat feature unless specifically instructed to use an approved secure method.

7. Fees and Payments

The website does not establish pricing or payment obligations unless expressly stated. Fees, deposits, billing schedules, reimbursable expenses, cancellation terms, refund terms, and payment requirements for consulting services will be described in the applicable written client agreement.

Failure to make required payments may result in delayed work, suspension of services, termination of an engagement, collection activity, or other remedies permitted under the applicable agreement and law.

8. Intellectual Property

The website and its contents, including text, branding, logos, graphics, page layouts, designs, photographs, illustrations, downloadable materials, software, and other content, are owned by or licensed to Cabayo Consulting and are protected by applicable copyright, trademark, and intellectual property laws.

You may view and use the website for your own lawful, internal, and informational purposes. You may not copy, reproduce, republish, distribute, modify, create derivative works from, sell, license, display, transmit, or commercially exploit website content without prior written permission.

Ownership and permitted use of consulting reports, financial models, presentations, templates, and other client deliverables will be governed by the applicable client agreement.

9. Third-Party Websites and Services

The website may contain links to or integrations with third-party websites, scheduling platforms, customer relationship management systems, analytics providers, communication platforms, document services, or other external services.

Cabayo Consulting does not control and is not responsible for the availability, accuracy, security, content, terms, or privacy practices of third-party services. Your use of third-party services may be subject to separate terms and policies.

10. SMS and Mobile Communications

When you provide your mobile telephone number and expressly consent to receive text messages, Cabayo Consulting may send SMS or MMS communications related to your inquiry, consultation, appointment, requested services, account activity, document requests, customer support, and related follow-up communications.

Consent to receive text messages is not a condition of purchasing any goods or services. Message frequency varies based on your interactions with us. Message and data rates may apply.

You may cancel text-message communications at any time by replying STOP. After you submit a STOP request, we may send one final message confirming that you have been unsubscribed. To receive messages again, you must opt in again through an available consent method.

For assistance, reply HELP or contact Cabayo Consulting using the contact information listed below.

Wireless carriers are not responsible for delayed, failed, incomplete, or undelivered messages. Message delivery may be affected by your carrier, device, network availability, and other factors outside our control.

Our collection and use of mobile information is governed by our Privacy Policy. Mobile information, text-message opt-in data, and consent will not be sold or shared with third parties or affiliates for their marketing or promotional purposes.

11. Email and Electronic Communications

By contacting Cabayo Consulting electronically, you consent to receive communications from us electronically in response to your inquiry or in connection with an existing business relationship.

You may unsubscribe from promotional email communications using the unsubscribe mechanism provided in the message. We may continue to send administrative, transactional, legal, or service-related communications where permitted by law.

12. Privacy

Your use of the website is also subject to our Privacy Policy, which explains how Cabayo Consulting collects, uses, protects, and discloses personal information. The Privacy Policy is incorporated into these Terms by reference.

13. Disclaimer of Warranties

To the fullest extent permitted by law, the website and all website content are provided on an “as is” and “as available” basis without representations or warranties of any kind, whether express, implied, statutory, or otherwise.

Cabayo Consulting disclaims all implied warranties, including warranties of merchantability, fitness for a particular purpose, title, accuracy, availability, security, and non-infringement.

We do not warrant that the website will be uninterrupted, error-free, completely secure, free from harmful components, or that all website information will always be complete, accurate, current, or suitable for your particular circumstances.

14. Limitation of Liability

To the fullest extent permitted by applicable law, Cabayo Consulting and its owners, officers, directors, employees, contractors, agents, affiliates, licensors, and service providers will not be liable for any indirect, incidental, consequential, exemplary, special, or punitive damages arising from or related to your access to or use of the website.

This exclusion includes, without limitation, loss of revenue, profits, business opportunity, goodwill, anticipated savings, data, or business interruption, even if the possibility of such damages was known or foreseeable.

Liability relating to paid consulting services will be governed by the applicable written client agreement. Some jurisdictions do not allow certain exclusions or limitations, so portions of this section may not apply to you.

15. Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless Cabayo Consulting and its owners, officers, directors, employees, contractors, representatives, affiliates, licensors, and service providers from claims, liabilities, damages, judgments, losses, costs, and reasonable legal expenses arising from your unlawful use of the website, violation of these Terms, infringement of another party’s rights, or submission of unlawful or unauthorized information.

16. Suspension and Termination

Cabayo Consulting may restrict, suspend, or terminate access to the website or any website feature when reasonably necessary to protect the website, users, Company systems, legal rights, or third parties, including when we believe these Terms have been violated.

17. Governing Law

These Terms and any dispute arising from or relating to the website will be governed by the laws of the State of Florida, without regard to conflict-of-law principles. Any legal proceeding relating to the website will be brought in a court of competent jurisdiction located in the county in which Cabayo Consulting maintains its principal business office, unless applicable law requires otherwise.

18. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, that provision will be enforced to the greatest extent permitted by law, and the remaining provisions will remain in full force and effect.

19. Waiver

A failure by Cabayo Consulting to enforce any provision of these Terms will not constitute a waiver of that provision or of the right to enforce it later.

20. Entire Agreement

These Terms and the Privacy Policy constitute the complete agreement between you and Cabayo Consulting regarding use of the website. They do not replace any separate written agreement governing consulting services, which will control with respect to the subject matter of that agreement.

21. Changes to These Terms

We may update these Terms periodically to reflect changes to the website, services, communications practices, technology, or legal obligations. Revised Terms will be posted on this page with an updated effective date. Your continued use of the website after revised Terms are posted constitutes acceptance of those changes.

22. Contact Us

For questions or concerns regarding these Terms and Conditions, contact:

Cabayo Consulting
info@cabayocapital.com
+1(516)252-3119
New York, NY
Website: cabayoconsulting.com