Terms of Use
Effective Date: June 30, 2026
My goal is to provide clear, practical financial education. These Terms simply explain the rules for using this website and help set appropriate expectations.
Welcome to NoelLorenzanaCPA.com. By accessing or using this website, you agree to these Terms of Use. If you do not agree with these terms, please discontinue use of this website.
Educational Purposes Only
The information provided on this website is intended solely for general educational and informational purposes.
While I am a Certified Public Accountant (CPA, Registered) and strive to provide accurate, practical information, the content on this website should not be considered personalized tax, accounting, investment, legal, or financial advice.
Every individual's financial situation is different. Before making financial decisions, consult a qualified professional who can evaluate your specific circumstances.
No Professional Relationship
Your use of this website, including submitting a contact form or sending an email, does not create a CPA-client, advisor-client, fiduciary, or other professional relationship.
A professional relationship is established only through a separate written engagement agreement.
Accuracy of Information
I make every reasonable effort to ensure the information on this website is accurate and current.
However, tax laws, regulations, and financial markets change over time. I cannot guarantee that all information will always remain complete, accurate, or up to date.
You should verify important information before relying on it.
Investment Information
Discussions regarding investing, precious metals, the economy, or financial markets reflect educational opinions and analysis only.
Nothing on this website constitutes investment advice, a recommendation to buy or sell any security or asset, or an offer to provide investment advisory services.
Past performance does not guarantee future results.
Tax Information
Tax information is provided for educational purposes only.
Tax laws frequently change, and the application of tax rules depends on individual facts and circumstances.
You should consult a qualified tax professional regarding your particular situation.
External Links
This website may contain links to third-party websites for your convenience.
I do not control these websites and am not responsible for their content, privacy practices, products, or services.
A link does not necessarily imply endorsement unless specifically stated.
Affiliate Relationships
Some links on this website are affiliate links.
If you purchase products or services through these links, I may receive a commission at no additional cost to you.
I only recommend products, services, and companies that I personally believe offer value to my audience.
Intellectual Property
Unless otherwise noted, all content on this website—including text, graphics, logos, original images, downloadable resources, videos, and branding—is the property of Noel Lorenzana and is protected by applicable copyright and intellectual property laws.
You may:
- View and print content for your personal, non-commercial use.
- Share links to content on this website.
You may not:
- Copy or republish substantial portions of content.
- Sell or redistribute website materials.
- Modify or reproduce materials without prior written permission.
User Conduct
You agree not to:
- Use this website for unlawful purposes.
- Attempt to interfere with the website's operation or security.
- Submit false or misleading information.
- Upload malicious software or harmful content.
Disclaimer of Warranties
This website and all content are provided "as is" without warranties of any kind, either express or implied.
I make no guarantees regarding the availability, completeness, reliability, or accuracy of the information provided.
Limitation of Liability
To the fullest extent permitted by law, Noel Lorenzana shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of this website or reliance upon its content.
Your use of this website is entirely at your own risk.
Changes to These Terms
These Terms of Use may be updated from time to time.
Changes become effective immediately upon being posted to this page.
Continued use of this website constitutes acceptance of any revised Terms.
Governing Law
These Terms of Use shall be governed by and interpreted in accordance with the laws of the State of Illinois, without regard to its conflict of law principles.
Contact
If you have questions regarding these Terms of Use, please contact:
Noel Lorenzana
Email: hello at noellorenzanacpa.com