Terms of Service — Forza Advantage

Section 01

Purpose & Acceptance of Terms

The purpose of the Forza Advantage website is to inform, promote, and provide access to our professional bookkeeping and financial support services. This includes business credit development, financial reporting, tax-ready accounting, and connections to trusted partners for marketing and funding solutions. The website serves as a platform for prospective and existing clients to explore our offerings, request personalized guidance, and connect with our team for consultations and business support.

These Terms of Service ("Terms") govern your use of the website located at https://forzaadvantage.com and any related services provided by Forza Advantage, Inc. ("Company," "we," "us," or "our").

By accessing or using our website or services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website or services.

Section 02

Electronic Communications & SMS Consent

Visiting this Site or submitting any form, inquiry, or contact request constitutes an electronic communication. You consent to receive electronic communications from Forza Advantage, Inc., and you agree that all agreements, notices, disclosures, and other communications provided to you electronically — via email, SMS text message, or on the Site — satisfy any legal requirement that such communications be in writing.

SMS Text Message Consent

By providing your phone number on this Site and submitting a form, you expressly consent to receive SMS text messages from Forza Advantage, Inc. and/or its affiliated representatives, including transactional messages, appointment confirmations, service updates, and marketing communications related to bookkeeping, business credit, funding, and other financial support services. Message and data rates may apply. Message frequency varies. Reply STOP to opt out at any time. Reply HELP for assistance, or contact us using the information provided in the Contact section of these Terms.

Your consent to receive SMS messages is not required as a condition of doing business with Forza Advantage, Inc. You may request a consultation or engage our services without providing SMS consent by calling us directly at (442) 333-2990 or emailing [email protected].

SMS Program Details

Program Description:

When opted-in, you will receive text messages (SMS/MMS) to your mobile number. These messages may include responses to inquiries, appointment scheduling and confirmations, service updates, feedback requests, project updates, and follow-ups related to bookkeeping and financial services.

Frequency:

Message frequency varies based on your activity and engagement with our services.

Opt-Out:

You can opt out at any time. Just reply "STOP" to any message from us. After you text "STOP," we will send you a confirmation SMS and you will no longer receive messages. To rejoin, sign up again or text "START."

Help:

If you are experiencing issues, reply "HELP" for assistance, or contact us directly at (442) 333-2990 or [email protected].

Carriers:

Carriers (e.g. AT&T, T-Mobile, Verizon) are not liable for delayed or undelivered messages.

Rates:

Message and data rates may apply. If you have questions about your text or data plan, contact your wireless provider.

Data Sharing:

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Opt-in data and consent for text messaging will not be shared with any third parties under any circumstances.

Privacy:

For more details on how we handle your data, please review our Privacy Policy.

Telephone Contact & Do Not Call

By submitting a contact form, consultation request, or other inquiry on this Site, you acknowledge that your submission constitutes your express written consent, as that term is defined under the Telephone Consumer Protection Act (TCPA) and applicable regulations, to be contacted by a licensed Forza Advantage representative by telephone — including by use of an automated telephone dialing system or prerecorded or artificial voice message — and by email and text message, at the phone number and email address you provide, even if your number appears on a federal, state, or internal Do Not Call registry. This consent is not required to obtain any product or service and may be revoked at any time by contacting us at [email protected] or (442) 333-2990.

Section 03

Services Description

Forza Advantage, Inc. provides professional bookkeeping, financial reporting, business credit building, tax-ready accounting organization, and referral connections to trusted funding and marketing partners. Our services are designed for small business owners and entrepreneurs seeking to build stronger financial foundations.

Specific service terms, deliverables, pricing, and timelines will be outlined in a separate service agreement or statement of work provided to each client prior to the commencement of services. These Terms govern the general use of our website and do not replace or supersede any signed service agreement.

We do not provide tax filing services, legal advice, or investment advice
We do not directly provide business loans or funding — we refer clients to vetted third-party funding partners
Marketing services are provided through our network of trusted partners, not directly by Forza Advantage, Inc.

Section 04

Financial Information & Privacy (GLBA)

When you apply for or inquire about business funding or credit through Forza Advantage — for example, by submitting our Credit Application — we collect nonpublic personal information ("NPI") about business owners, principals, and guarantors. This may include identifying details, Social Security and Employer Identification numbers, ownership information, financial and banking data, and credit information obtained with your authorization. We handle this information consistent with the federal Gramm-Leach-Bliley Act ("GLBA").

We use your NPI to verify your identity, evaluate your request, match you with appropriate funding partners, prepare and submit applications to lenders on your behalf, and comply with applicable law. As permitted by law, we may share it with:

The third-party funding providers and lenders we determine may be a fit, to source and pursue the funding you requested
Service providers that support our operations under confidentiality obligations (such as secure data hosting, document processing, identity verification, and our CRM provider, Zolley CRM)
Others as required or permitted by law, including to detect and prevent fraud or to comply with legal process

We do not sell your NPI. Because the core purpose of our funding service is to share your application with lending partners at your request, you cannot limit that sharing without preventing us from pursuing the funding you applied for. Federal law also does not let you limit sharing with our service providers, with consumer reporting agencies, or sharing required by law.

Consistent with the GLBA Safeguards Rule, we maintain administrative, technical, and physical safeguards designed to protect your NPI — including encrypting sensitive information in transit and at rest, restricting access to authorized personnel and providers, and applying heightened protection to highly sensitive identifiers such as Social Security numbers, which are not stored in plain text within our general business systems.

This section is a summary. Our complete Financial Privacy Notice — including the full categories of information we collect, how we use and disclose it, your right to limit sharing, and how we protect it — is set out in our Privacy Policy. In the event of any conflict between this summary and that notice, the Financial Privacy Notice in our Privacy Policy controls.

Section 05

Eligibility

To use our website and services, you must be at least 18 years of age and have the legal authority to enter into binding contracts on behalf of yourself or your business. By using our services, you represent and warrant that you meet these requirements.

Our services are intended for business use. Individuals seeking consumer financial products or services should consult a licensed financial institution or advisor.

Section 06

Account & Client Responsibilities

If you create an account or engage our services, you are responsible for:

Providing accurate, current, and complete information about your business and finances
Maintaining the confidentiality of any login credentials or access codes provided
Promptly notifying us of any unauthorized use of your account or breach of security
Ensuring that all information submitted to us is truthful and not misleading
Cooperating with our team to provide documents and information necessary to perform services

We reserve the right to refuse service to any party that provides false information or engages in conduct that is harmful to our team, other clients, or our business operations.

Section 07

Payment Terms

Fees for our services are set forth in your individual service agreement. Unless otherwise stated:

Monthly service fees are billed in advance at the beginning of each billing cycle
Payments are due upon receipt of invoice unless alternative terms are agreed upon in writing
All fees are non-refundable once services have commenced for that billing period
We reserve the right to suspend services for accounts with outstanding balances of 30 or more days
Prices are subject to change with 30 days' written notice to the client

Any applicable taxes are the responsibility of the client. Forza Advantage, Inc. will collect and remit taxes where legally required to do so.

Section 08

Acceptable Use

You agree to use our website and services only for lawful purposes and in accordance with these Terms. You agree not to:

Use our website in any way that violates applicable federal, state, local, or international laws or regulations
Transmit any material that is defamatory, offensive, or otherwise objectionable
Attempt to gain unauthorized access to any portion of our systems or services
Interfere with or disrupt the integrity or performance of our website or services
Use any automated system, including bots or scrapers, to access our website without our express written permission
Impersonate any person or entity, or falsely represent your affiliation with any person or entity

Section 09

Intellectual Property

The Forza Advantage website and its entire contents, features, and functionality — including but not limited to text, graphics, logos, icons, images, and software — are owned by Forza Advantage, Inc. and are protected by United States and international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise use any content from our website without our prior written consent.

Client-provided data and documents remain the property of the client. By providing data to us for use in our services, you grant us a limited license to use that data solely for the purpose of delivering the agreed-upon services.

Section 10

Links to Third-Party Sites & Third-Party Services

https://forzaadvantage.com may contain links to other websites ("Linked Sites"). The Linked Sites are not under the control of Forza Advantage and Forza Advantage is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Forza Advantage is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Forza Advantage of the site or any association with its operators.

Certain services made available via https://forzaadvantage.com are delivered by third-party sites and organizations. By using any product, service, or functionality originating from the https://forzaadvantage.com domain, you hereby acknowledge and consent that Forza Advantage may share such information and data with any third party with whom Forza Advantage has a contractual relationship to provide the requested product, service, or functionality on behalf of https://forzaadvantage.com users and customers.

Section 11

International Users

The Service is controlled, operated, and administered by Forza Advantage from our offices within the USA. If you access the Service from a location outside the USA, you are responsible for compliance with all local laws. You agree that you will not use the Forza Advantage content accessed through https://forzaadvantage.com in any country or in any manner prohibited by any applicable laws, restrictions, or regulations.

Section 12

Indemnification

You agree to indemnify, defend, and hold harmless Forza Advantage, its officers, directors, employees, agents, and third parties, for any losses, costs, liabilities, and expenses (including reasonable attorney's fees) relating to or arising out of your use of or inability to use the Site or services, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules, or regulations. Forza Advantage reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with Forza Advantage in asserting any available defenses.

Section 13

Arbitration

In the event the parties are not able to resolve any dispute between them arising out of or concerning these Terms and Conditions, or any provisions hereof, whether in contract, tort, or otherwise at law or in equity for damages or any other relief, then such dispute shall be resolved only by final and binding arbitration pursuant to the Federal Arbitration Act, conducted by a single neutral arbitrator and administered by the American Arbitration Association, or a similar arbitration service selected by the parties, in a location mutually agreed upon by the parties. The arbitrator's award shall be final, and judgment may be entered upon it in any court having jurisdiction. In the event that any legal or equitable action, proceeding, or arbitration arises out of or concerns these Terms and Conditions, the prevailing party shall be entitled to recover its costs and reasonable attorney's fees. The parties agree to arbitrate all claims and disputes relating to the use of this website or any disputes arising as a result of these Terms and Conditions, whether directly or indirectly, including tort claims that are a result of these Terms and Conditions.

The parties agree that the Federal Arbitration Act governs the interpretation and enforcement of this provision. The entire disputes, including the scope and enforceability of this arbitration provision, shall be determined by the arbitrator. This arbitration provision shall survive the termination of these Terms and Conditions.

Section 14

Class Action Waiver

Any arbitration under these Terms and Conditions will take place on an individual basis; class arbitrations and class/representative/collective actions are not permitted. THE PARTIES AGREE THAT A PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN EACH'S INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PUTATIVE CLASS, COLLECTIVE, AND/OR REPRESENTATIVE PROCEEDING, SUCH AS IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION AGAINST THE OTHER. Further, unless both you and Forza Advantage agree otherwise, the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of a representative or class proceeding.

Section 15

Disclaimers

Our website and services are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied. To the fullest extent permitted by law, Forza Advantage, Inc. disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Forza Advantage, Inc. is not a licensed CPA firm, law firm, or financial advisor. Our bookkeeping and financial organization services do not constitute tax advice, legal advice, or investment advice. Clients should consult with licensed professionals for those services.

We do not warrant that our website will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant that the results obtained from using our services will be accurate or reliable.

Section 16

Limitation of Liability

To the fullest extent permitted by applicable law, Forza Advantage, Inc. and its officers, directors, employees, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including but not limited to loss of profits, data, goodwill, or other intangible losses — arising out of or in connection with your use of our website or services.

In no event shall our total liability to you for all claims arising out of or relating to these Terms or our services exceed the total amount you paid to us in the twelve (12) months preceding the claim.

Section 17

Termination

Either party may terminate a service agreement with 30 days' written notice, unless otherwise specified in a signed service agreement. We reserve the right to terminate or suspend access to our services immediately, without prior notice, for conduct that we believe:

Violates these Terms or any applicable law
Is harmful to other clients, third parties, or the reputation of Forza Advantage, Inc.
Involves fraud, misrepresentation, or non-payment of fees

Upon termination, your right to use our services will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Section 18

Governing Law & Dispute Resolution

These Terms and any disputes arising out of or related to them shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles.

Any legal action or proceeding relating to these Terms shall be brought exclusively in the state or federal courts located in San Diego County, California. You consent to the personal jurisdiction of such courts.

Before initiating any formal legal action, both parties agree to attempt to resolve disputes through good-faith negotiation for a period of at least 30 days.

Section 19

Changes to These Terms

We reserve the right to modify these Terms at any time. We will provide notice of significant changes by updating the effective date at the top of this page and, where appropriate, by sending an email notification to active clients.

Your continued use of our website or services after any modifications to these Terms constitutes your acceptance of the revised Terms. If you do not agree to the modified Terms, you must discontinue use of our services.

Section 20

Contact Information

If you have questions or concerns about these Terms, please contact us:

Company: Forza Advantage, Inc. DBA Forza Advantage
Address: 11440 West Bernardo Court, Ste 300, San Diego, CA 92127
Email: [email protected]
Phone: (442) 333-2990

Effective as of September 1, 2025