Terms of Service

Last updated: September 18, 2025 12:00 PM

Please read this Terms of Service (“Terms,” “Terms of Service”) carefully before using the jointravisallen.com website (the “Website”) operated by Travis Allen, Personal CFO Inc (“us,” “we,” “our”) as this Terms of Service contains important information regarding limitations of our liability. Your access to and use of this Website is conditional upon your acceptance of and compliance with these Terms. These Terms apply to everyone, including but not limited to visitors, users and others, who wish to access and use the Website.

By accessing or using the Website, you agree to be bound by these Terms. If you disagree with any part of the Terms, then you do not have our permission to access or use the Website.

Financial Services Disclaimer

IMPORTANT NOTICE: Travis Allen, Personal CFO Inc provides Chief Financial Officer (CFO) services, financial planning, analysis, and consulting services. The information and services provided on this Website are for informational and educational purposes only and do not constitute:

Investment advice
Legal advice
Tax advice
Accounting services (unless specifically contracted)
A guarantee of financial results or outcomes

No Financial Guarantees: Past performance does not guarantee future results. Financial markets are inherently volatile and unpredictable. Any financial projections, forecasts, or analyses provided are estimates based on available information and assumptions that may or may not materialize.

Professional Relationship: Engagement of our services creates a professional services relationship, not a fiduciary relationship unless explicitly stated in a separate written agreement. Clients retain ultimate decision-making authority over their financial matters.

Regulatory Compliance: Travis Allen, Personal CFO Inc is not a registered investment advisor, broker-dealer, or certified public accountant unless otherwise stated. We recommend that clients consult with appropriate licensed professionals (CPAs, attorneys, registered investment advisors) for specific advice in those areas.

Our offers and pricing

We offer financial services, consulting, and digital products on this Website. The price of these services and digital products can be found listed on the Website or will be provided in custom proposals. Pricing may include all applicable taxes and other fees, or taxes may be charged separately as indicated.

Fee Structures: Our services may be provided on the following basis:

Hourly rates
Fixed project fees
Monthly retainer arrangements
Percentage of assets under management (if applicable)
Success-based or performance fees (as agreed in writing)

All fees and payment terms will be clearly outlined in your service agreement or engagement letter.

Engagement and Services

Engagement Letter Required: All professional services require a signed engagement letter or service agreement that outlines the scope of work, deliverables, timeline, fees, and terms of engagement. These Terms of Service supplement but do not replace the specific terms in your engagement letter.

Scope of Services: Services are limited to those specifically outlined in your engagement letter. Additional services may be provided upon mutual agreement and may result in additional fees.

Client Responsibilities: As a client, you agree to:

Provide accurate, complete, and timely information
Respond to requests for information within reasonable timeframes
Review and provide feedback on deliverables promptly
Maintain confidentiality of proprietary methodologies and work product
Notify us immediately of any material changes to your financial situation

Purchases

When you make a purchase on the Website, you will be able to choose the third party payment processor that will collect your payment information and process your payment. You may make purchases using the following third party payment processors: PayPal, Stripe, and wire transfer. We are not responsible for the collection, use, sharing or security of your billing information by these third party payment processors. The following payment method(s) are accepted by the third party payment processors: American Express, bank transfer, Discover, MasterCard, and Visa.

You hereby represent and warrant that you have the legal right to use the payment method(s) in connection with any purchase and that the information that you supply to us and to the third party payment processor(s) is true, correct and complete.

Payment Terms

Invoicing: Invoices will be provided according to the terms in your engagement letter (monthly, upon completion of milestones, etc.).

Payment Due: Payment is due within 30 days of invoice date unless otherwise specified in your engagement letter.

Late Payments: Late payments may be subject to interest charges of 1.5% per month (18% annually) or the maximum rate permitted by law, whichever is less.

Non-Payment: Failure to pay may result in suspension of services and/or termination of the engagement. We reserve the right to pursue collection of unpaid fees, and you agree to pay all costs of collection including reasonable attorney’s fees.

Cancellation and Termination Policy

Client Cancellation: You may cancel services at any time by providing written notice. You will be responsible for payment of:

All services rendered through the date of cancellation
Any non-refundable expenses incurred on your behalf
Early termination fees (if specified in your engagement letter)

Our Cancellation: We reserve the right to terminate services for any reason, including but not limited to:

Non-payment of fees
Client’s failure to provide necessary information or cooperation
Conflict of interest
Client’s misrepresentation or fraud
Circumstances that make it impossible or impractical to continue the engagement

We will provide reasonable notice of termination and will complete work in progress to a logical stopping point, subject to payment of fees earned.

Refund Policy

Services Rendered: Fees for services already performed are non-refundable.

Unused Retainer Fees: If you have paid a retainer for services not yet performed, unused portions may be refunded upon termination, minus any earned fees and non-refundable expenses.

Digital Products: Digital products, templates, or downloadable materials are non-refundable once accessed or downloaded.

Project-Based Work: For fixed-fee projects, refunds will be prorated based on the percentage of work completed at the time of termination.

Confidentiality

Mutual Confidentiality: Both parties agree to maintain the confidentiality of all proprietary and confidential information shared during the engagement. This includes but is not limited to:

Financial information and records
Business strategies and plans
Proprietary methodologies and analyses
Trade secrets and intellectual property

Exceptions: Confidentiality obligations do not apply to information that:

Is publicly available through no breach of this agreement
Was independently developed
Is required to be disclosed by law or legal process
Is disclosed with written consent

Intellectual Property

Work Product: Unless otherwise specified in your engagement letter:

Financial analyses, reports, and recommendations prepared specifically for you become your property upon full payment
General methodologies, templates, and tools remain our intellectual property
You may not reproduce, distribute, or sell our proprietary materials without written permission

Licensed Materials: Some deliverables may be provided under license rather than as work-for-hire. License terms will be specified in your engagement letter.

NO WARRANTY ON SERVICES

THE SERVICES PROVIDED ON THIS WEBSITE ARE PROVIDED “AS IS,” NO WARRANTY, EXPRESS OR IMPLIED (INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, OF SATISFACTORY QUALITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE) SHALL APPLY TO ANY SERVICES PROVIDED ON THIS WEBSITE, WHETHER ARISING BY LAW, COURSE OF DEALING, COURSE OF PERFORMANCE, USAGE OF TRADE OR OTHERWISE.

ACCURACY DISCLAIMER: While we strive for accuracy, we make no warranties or guarantees regarding:

The accuracy or completeness of financial analyses or projections
The achievement of projected financial outcomes
Market conditions or economic factors beyond our control
Third-party data or information sources

Results Disclaimer

INDIVIDUAL RESULTS WILL VARY: Financial outcomes depend on numerous factors including but not limited to market conditions, economic environment, client’s execution of recommendations, timing, resources, and circumstances beyond our control. We make no guarantees regarding specific financial results, revenue growth, cost savings, or return on investment.

Any case studies, examples, or testimonials represent specific situations and may not be typical. They should not be interpreted as a guarantee or promise of similar results.

Professional Liability Limitations

Standard of Care: We will perform services with the professional care and skill ordinarily exercised by CFO professionals under similar circumstances. However, financial consulting involves judgment calls and estimates that may prove incorrect in hindsight.

No Guarantee of Outcomes: We do not guarantee:

Profitability or specific financial results
Tax savings or successful tax strategies
Investment returns or performance
Financing or capital raising success
Business valuations that will be accepted by all parties

Third-Party Reliance: Our work product is prepared solely for your use and benefit. Third parties may not rely on our work without our express written consent.

Accounts

When you create an account on our Website, you guarantee that you are 18 years of age or older and that the information that you provide us is accurate, complete, and current at all times. Inaccurate, incomplete, or obsolete information may result in the immediate termination of your account on the Website.

You are responsible for maintaining the confidentiality of your account and password, including but not limited to the restriction of access to your computer and/or account. You agree to accept responsibility for any and all activities or actions that occur under your account and/or password, whether your password is with our Website or a third party service. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

We reserve the right to terminate your account anytime at our sole discretion. You can terminate your account by contacting us or through their account on the Website.

Comments and uploading content

By submitting a comment or uploading content onto this Website, you grant Travis Allen, Personal CFO Inc a worldwide, non-exclusive, perpetual, royalty-free license to reproduce, publish and distribute the comment or content. When you make a comment or upload any content onto this Website, you agree that such comment or content may be viewed by other parties and it is your responsibility to ensure that the comment or content does not contain any confidential or proprietary information. You are also responsible for ensuring that your content or comment does not violate any laws, rules or regulations. We reserve the right to remove any content or comment at any time in our sole discretion.

The following is a non-exhaustive list of types of content or comments that you are prohibited from posting on our Website:

Content that harasses others;
Content that is discriminatory or offensive;
Swearing, name calling and otherwise abusive content;
Pornographic and sexually explicit content;
Content displaying, depicting or suggesting violence;
Content that exploits or abuses children;
Content encouraging or committing illegal acts;
Content sharing personal information without consent;
Content infringing on someone’s rights, including intellectual property rights;
Content advertising products or services without our permission;
Content whose purpose is spamming others.

Prohibited uses

You agree that you will use this Website in accordance with all applicable laws, rules, regulations and these Terms at all times. The following is a non-exhaustive list of prohibited uses of this Website. You agree that you will not perform any of the following prohibited uses:

Impersonating or attempting to impersonate Travis Allen, Personal CFO Inc or its employees, representatives, subsidiaries or divisions;
Misrepresenting your identity or affiliation with any person or entity;
Sending or attempting to send any advertising or promotional material, including but not limited to spam, junk mail, chain mail or any similar material;
Engaging in any conduct that restricts or inhibits any person’s use or enjoyment of the Website, or which, as determined in our sole discretion, may harm us or the users of this Website or expose us or other users to liability;
Using the Website in any manner that could disable, overburden, damage or impair the Website or interfere with another party’s use of the Website;
Using any robot, spider or other similar automatic technology, process or means to access or use the Website for any purpose, including monitoring or copying any of the material on this Website;
Using any manual process or means to monitor or copy any of the material on this Website or for any other unauthorized purpose;
Using any device, software, means or routine that interferes with the proper working of the Website, including but not limited to viruses, trojan horses, worms, logic bombs or other such materials;
Attempting to gain unauthorized access to, interfering with, damaging or disrupting any parts of the Website, the server(s) on which the Website is stored, or any server, computer or database connected to the Website;
Attempting to attack or attacking the Website via a denial-of-service attack or a distributed denial-of-service attack;
Otherwise attempting to interfere with the proper working of the Website;
Using the Website in any way that violates any applicable federal, state or local laws, rules or regulations.

NO WARRANTY ON WEBSITE

THIS WEBSITE IS PROVIDED “AS IS,” NO WARRANTY, EXPRESS OR IMPLIED (INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, OF SATISFACTORY QUALITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE) SHALL APPLY TO THIS WEBSITE, WHETHER ARISING BY LAW, COURSE OF DEALING, COURSE OF PERFORMANCE, USAGE OF TRADE OR OTHERWISE.

Availability, errors and inaccuracies

We assume no liability for the availability, errors or inaccuracies of the information, products or services provided on this Website. We may experience delays in updating information on this Website and in our advertising on other websites. The information, products and services found on the Website may contain errors or inaccuracies or may not be complete or current. Products or services may be incorrectly priced or unavailable. We expressly reserve the right to correct any pricing errors on our Website. The inclusion or offering of any product or service on this Website does not constitute an endorsement or recommendation of such product or service by us.

DAMAGES AND LIMITATION OF LIABILITY

IN NO EVENT SHALL TRAVIS ALLEN, PERSONAL CFO INC BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF, RELATING TO OR IN ANY WAY CONNECTED WITH YOUR ACCESS TO, DISPLAY OF OR USE OF THIS WEBSITE OR WITH THE DELAY OR INABILITY TO ACCESS, DISPLAY OR USE THIS WEBSITE, INCLUDING BUT NOT LIMITED TO YOUR RELIANCE UPON OPINIONS OR INFORMATION APPEARING ON THIS WEBSITE; ANY COMPUTER VIRUSES, INFORMATION, SOFTWARE, LINKED WEBSITES OPERATED BY THIRD PARTIES, PRODUCTS OR SERVICES OBTAINED THROUGH THIS WEBSITE, WHETHER BASED ON A THEORY OF NEGLIGENCE, CONTRACT, TORT, STRICT LIABILITY, CONSUMER PROTECTION STATUTES OR OTHERWISE, EVEN IF TRAVIS ALLEN, PERSONAL CFO INC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

LIMITATION OF LIABILITY FOR PROFESSIONAL SERVICES: TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING OUT OF OR RELATED TO PROFESSIONAL SERVICES SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU FOR THE SPECIFIC SERVICES GIVING RISE TO THE CLAIM DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE CLAIM.

IF, DESPITE THE LIMITATION ABOVE, TRAVIS ALLEN, PERSONAL CFO INC IS FOUND LIABLE FOR ANY LOSS OR DAMAGE WHICH ARISES OUT OF OR IN ANY WAY CONNECTED WITH ANY OF THE OCCURRENCES DESCRIBED ABOVE, THEN THE LIABILITY OF TRAVIS ALLEN, PERSONAL CFO INC WILL IN NO EVENT EXCEED THE SERVICE FEES YOU PAID TO TRAVIS ALLEN, PERSONAL CFO INC IN CONNECTION WITH SUCH TRANSACTION(S) ON THIS WEBSITE. THE LIMITATION OF LIABILITY REFLECTS THE ALLOCATION OF RISK BETWEEN THE PARTIES. THE LIMITATIONS SPECIFIED IN THIS SECTION WILL SURVIVE AND APPLY EVEN IF ANY LIMITED REMEDY SPECIFIED IN THESE TERMS OF USE IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE. THE LIMITATIONS OF LIABILITY PROVIDED IN THESE TERMS OF USE INURE TO THE BENEFIT OF TRAVIS ALLEN, PERSONAL CFO INC.

EXCLUSION OF CONSEQUENTIAL DAMAGES: NEITHER PARTY SHALL BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES INCLUDING BUT NOT LIMITED TO LOST PROFITS, LOST BUSINESS OPPORTUNITIES, BUSINESS INTERRUPTION, OR LOSS OF DATA, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Indemnification

You agree to indemnify, defend, and hold harmless Travis Allen, Personal CFO Inc, its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising from:

Your use of the Website
Your violation of these Terms of Service
Your violation of any rights of another party
Your provision of inaccurate, incomplete, or misleading information
Your failure to implement our recommendations or advice

Links to third party websites

This Website may contain hyperlinks to websites operated by third parties and not by us. We provide such hyperlinks for your reference only. We do not control such websites and are not responsible for their contents or the privacy or other practices of such websites. Further, it is your responsibility to take precautions to ensure that whatever links you click on or software that you download, whether from this Website or other websites or applications, is free of such items as viruses, worms, trojan horses, defects and other items of a destructive nature. Our inclusion of hyperlinks to such websites does not imply any endorsement of the material on such websites or any association with their operators.

Intellectual property and DMCA notice and procedure for intellectual property infringement claims

All contents of this Website are ©2025 Travis Allen, Personal CFO Inc or third parties. All rights reserved. Unless specified otherwise, this Website and all content and other materials on this Website including but not limited to all logos, designs, text, graphics, pictures, information, data, software, sound files and arrangement thereof (collectively, “Content”) are the proprietary property of Travis Allen, Personal CFO Inc and are either registered trademarks, trademarks or otherwise protected intellectual property of Travis Allen, Personal CFO Inc or third parties in the United States and/or other countries.

If you are aware of a potential infringement of our intellectual property, please contact Travis Allen, Personal CFO Inc at Info@JoinTravisAllen.com.

We respect the intellectual property rights of others. It is our policy to respond to any claim that Content posted on the Website infringes on the copyright, trademark or other intellectual property rights of any person or entity.

If you believe in good faith that the Content infringes on your intellectual property rights, you or your agent may send us a written notice of such infringement titled “Infringement of Intellectual Property Rights – DMCA.” Your notice to us must include the following information:

An electronic or physical signature of the person authorized to act on behalf of the owner of the intellectual property right’s interest;
A description of the work that you claim has been infringed, including the URL (i.e., web page address) of the location where the work exists or a copy of the work;
Your name, email, address and telephone number; and
A statement by you that you have a good faith belief that the disputed use is not authorized by the owner of the work, its agent or the law.

Please note that we will not process your complaint if it is not properly filled out or is incomplete. You may be held accountable for damages, including but not limited to costs and attorneys’ fees for any misrepresentation or bad faith claims regarding the infringement of your intellectual property rights by the Content on this Website.

You may submit your claim to us by contacting us at:

Travis Allen, Personal CFO Inc
2901 W. Coast Highway, Suite 200
Newport Beach, CA 92663
Info@JoinTravisAllen.com

UNITED STATES

Governing law, severability, dispute resolution and venue

These Terms shall be governed and construed in accordance with the laws of the state of California, United States, without regard to its conflict of laws provisions. THESE TERMS SHALL NOT BE GOVERNED BY THE UNITED NATIONS CONVENTION ON CONTRACTS FOR THE SALE OF INTERNATIONAL GOODS, THE UNIFORM COMMERCIAL CODE, NOR INCOTERMS.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of that right or provision. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between you and us regarding our Website, and supersede and replace any prior agreements we might have had with you regarding the Website, except for any separately executed engagement letters or service agreements which shall control with respect to the specific services provided.

Dispute Resolution: In the event of any dispute arising out of or relating to these Terms or the services provided, the parties agree to first attempt to resolve the dispute through good faith negotiation. If the dispute cannot be resolved through negotiation within thirty (30) days, the parties agree to submit the dispute to mediation before resorting to litigation.

Any controversy or claim arising out of or relating to these Terms including but not limited to the interpretation or breach thereof shall be resolved in a court of competent jurisdiction in Orange County, California.

YOU AND TRAVIS ALLEN, PERSONAL CFO INC AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION.

Force Majeure

Neither party shall be liable for any failure or delay in performance under these Terms due to causes beyond its reasonable control, including but not limited to acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, strikes, or shortages of transportation facilities, fuel, energy, labor, or materials.

Severability

If any provision of these Terms is found to be unenforceable or invalid under any applicable law, such unenforceability or invalidity shall not render these Terms unenforceable or invalid as a whole, and such provisions shall be deleted without affecting the remaining provisions herein.

Changes to Terms of Service

We reserve the right to make changes to these Terms of Service at any time. We will notify you of any material changes to these Terms of Service by posting the updated terms of service to this website and updating the “Last Updated” date. Your continued use of the Website after changes are posted constitutes your acceptance of the modified Terms.

Questions

If you have any questions about our Terms of Service, please contact us at Info@JoinTravisAllen.com.

Terms Of Service