Terms of Service

Using this site

By using ratio-accounting.com you agree to these terms. If you do not agree with them, please do not use the site. These terms cover the website only. Any engagement with Ratio Accounting is governed by the separate engagement letter you sign before work begins, and that letter controls if the two ever conflict.

This site is not professional advice

Everything on this site, including the articles, the Financial Health Check, and any figures or examples, is general information published for education. It is not accounting, tax, legal, or investment advice, and it is not tailored to your situation. Tax law and accounting rules change, and what is correct for one business can be wrong for another.

Do not act on anything here without talking to a qualified professional about your own circumstances. Reading this site, submitting a form, or taking the assessment does not make you a client of Ratio Accounting and does not create a professional relationship. That relationship begins only when both sides sign an engagement letter.

The Financial Health Check

The assessment produces a score and a set of suggestions from the answers you give. It is a conversation starter, not a diagnosis or an audit. It does not review your books, and its output should not be relied on for any financial, tax, or business decision.

Results shown on this site

The client results and figures shown on this site are real outcomes from real engagements, presented with identifying details removed. They describe what happened for those businesses in their circumstances. They are not a promise, projection, or guarantee of what will happen for you.

Accuracy and availability

We work to keep this site accurate and available, but we do not guarantee either. Content may become out of date, and the site may be unavailable at times. The site is provided as is, without warranties of any kind, to the fullest extent the law allows.

Links to other sites

This site links to services we use, such as scheduling and government resources. We do not control those sites and are not responsible for their content, their availability, or how they handle your information.

Content ownership

The text, design, graphics, and name on this site belong to Ratio Accounting. You are welcome to read, print, and share pages for your own use, and to quote from them with attribution and a link. Please do not republish substantial portions or present them as your own.

Limitation of liability

To the fullest extent permitted by law, Ratio Accounting is not liable for any indirect, incidental, or consequential loss arising from your use of this site or from reliance on anything published here.

Changes to these terms

We may update these terms. When we do, the date at the top of this page changes, and the updated terms apply from the moment they are posted.