1. Acceptance of Terms

These Terms of Service ("Terms") govern your access to and use of the website, services, and consulting engagements offered by Idaho Associates LLC, a California limited liability company doing business as Idaho & Associates ("we," "us," "our," or "the Firm"). By accessing our website, submitting an inquiry, or entering into a consulting engagement with us, you ("Client" or "you") acknowledge that you have read, understood, and agree to be bound by these Terms.

2. Nature of Services

Idaho Associates LLC is a privately held business strategy and capital acquisition consulting firm. We provide educational, strategic, and advisory services organized around the ICAT Framework (Income, Credit, Assets, Taxes).

We are not:

• A lender, finance company, or credit card issuer.
• A licensed broker-dealer, investment adviser, or securities firm.
• A credit repair organization as defined by the federal Credit Repair Organizations Act (CROA).
• A law firm, accounting firm, or licensed tax preparer.

All services are educational and strategic in nature. Clients are advised to consult licensed attorneys, CPAs, financial advisors, and other qualified professionals regarding specific legal, tax, securities, or investment decisions.

3. Engagement Terms

3.1 Formation of Engagement

A formal consulting engagement is established only upon execution of a written engagement agreement signed by both the Client and an authorized representative of Idaho Associates LLC. No engagement is formed by submission of a website inquiry, attendance at a consultation, or exchange of correspondence.

3.2 Scope of Work

The scope of each engagement, including deliverables, duration, fees, payment schedule, and performance expectations, will be defined in a separate written engagement agreement. These Terms supplement, but do not replace, the terms set forth in any such agreement. In the event of a conflict between these Terms and an executed engagement agreement, the engagement agreement controls.

3.3 Client Responsibilities

The Client agrees to:

• Provide accurate, complete, and timely information necessary for the Firm to perform its services.
• Participate actively in the engagement process, including attending scheduled sessions and completing assigned action items.
• Make independent business decisions and consult appropriate licensed professionals before acting on any guidance provided.
• Comply with all applicable federal, state, and local laws in connection with the engagement.

4. No Guarantee of Results

The Firm does not guarantee any specific financial outcome, including but not limited to credit score changes, funding approvals, revenue growth, asset appreciation, or tax savings. Outcomes depend on a number of factors outside the Firm's control, including the Client's individual financial profile, market conditions, and the Client's own implementation of guidance provided.

Any case references, examples, or illustrations shared during the engagement are for educational purposes only and do not constitute a promise, projection, or warranty of future results.

5. Fees & Payment

Fees, payment amounts, and payment schedules are defined in the Client's written engagement agreement. Unless otherwise specified, all fees are payable in U.S. dollars via the payment methods designated by the Firm. Late payments may result in suspension of services until the account is brought current.

Clients retain all rights afforded under applicable card network rules and consumer protection law. Nothing in these Terms limits the Client's right to dispute a charge through legitimate channels provided by their card issuer.

6. Cancellation & Refunds

Cancellation and refund rights are governed by our Refund Policy, which is incorporated into these Terms by reference. California residents retain all rights afforded by California law, including any applicable statutory cancellation periods.

7. Intellectual Property

All materials provided during an engagement — including frameworks, curriculum, written guides, recordings, worksheets, templates, and the ICAT methodology — are the sole intellectual property of Idaho Associates LLC. Clients are granted a limited, non-exclusive, non-transferable license to use these materials solely for the Client's own personal or internal business purposes.

Clients may not reproduce, republish, resell, distribute, or use our materials to develop or market competing services without prior written consent.

8. Confidentiality

The Firm will treat Client information shared during the course of an engagement as confidential and will use such information solely for the purpose of delivering the engaged services. The Client agrees to maintain the confidentiality of other participants' information and of any proprietary materials provided by the Firm.

Confidentiality obligations do not apply to information that is publicly available, independently developed, or required to be disclosed by law.

9. Limitation of Liability

To the fullest extent permitted by law, the total aggregate liability of Idaho Associates LLC, its officers, employees, and contractors arising out of or relating to any engagement or use of our website shall not exceed the total fees paid by the Client to the Firm during the twelve (12) months preceding the event giving rise to the claim.

In no event shall the Firm be liable for indirect, incidental, consequential, special, or punitive damages, including lost profits, lost business opportunities, or lost data, even if advised of the possibility of such damages. Nothing in these Terms limits liability for fraud, willful misconduct, or any liability that cannot lawfully be limited under applicable law.

10. Indemnification

The Client agrees to indemnify and hold harmless Idaho Associates LLC from any third-party claims, damages, or expenses (including reasonable attorneys' fees) arising from the Client's breach of these Terms, misuse of our materials, or violation of applicable law.

11. Dispute Resolution & Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict of law principles. The parties agree to first attempt to resolve any dispute through good-faith negotiation. If unresolved within thirty (30) days, either party may elect to resolve the dispute through binding arbitration administered by the American Arbitration Association in Los Angeles County, California, under its Commercial Arbitration Rules.

Nothing in this section prevents either party from seeking injunctive relief in a court of competent jurisdiction to protect intellectual property or confidential information. The Client retains all rights to file complaints with applicable state or federal regulatory agencies.

12. Modifications

We may update these Terms from time to time. Continued use of our services after a revision constitutes acceptance of the updated Terms. Material changes affecting active engagements will be communicated to affected Clients directly.

13. Entire Agreement

These Terms, together with the Client's written engagement agreement, the Privacy Policy, and the Refund Policy, constitute the entire agreement between the Client and the Firm regarding the subject matter hereof.

14. Contact

Idaho Associates LLC
516 North Sepulveda Boulevard
Manhattan Beach, CA 90266
Email: support@idahoassociates.com
Phone: (800) 262-0397

1. Introduction

Idaho Associates LLC, doing business as Idaho & Associates ("we," "us," or "our"), respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains what information we collect, how we use it, how we protect it, and the rights you have regarding your information.

This Policy applies to information collected through our website (idahoandassociates.netlify.app), during inquiries, consultations, and the course of our consulting engagements.

2. Information We Collect

2.1 Information You Provide

We collect personal information you voluntarily provide when you:

• Submit an inquiry or consultation request through our website.
• Communicate with us by email, phone, or other channels.
• Enter into a consulting engagement and provide information relevant to the services we perform.

This information may include your name, company, email address, phone number, business details, and any other information you choose to share with us in connection with an engagement.

2.2 Information Collected Automatically

When you visit our website, we and our service providers may automatically collect certain technical information, including IP address, browser type, operating system, referring pages, and pages visited. This information is used in aggregate form to operate and improve the site.

2.3 Cookies & Similar Technologies

Our website may use cookies and similar technologies to maintain session state, analyze traffic, and improve user experience. You may disable cookies through your browser settings, though doing so may affect site functionality.

3. How We Use Your Information

We use the information we collect to:

• Respond to your inquiries and deliver requested consultations.
• Provide consulting services under an executed engagement agreement.
• Process payments through our authorized payment processors.
• Communicate with you about your engagement, including updates and scheduling.
• Comply with applicable legal, regulatory, and tax obligations.
• Protect our rights, enforce our agreements, and prevent fraud.
• Improve our website, services, and client experience.

4. How We Share Your Information

We do not sell your personal information to third parties. We may share information only as follows:

• Service providers: trusted vendors who support our operations (payment processors, hosting, email, scheduling), bound by confidentiality obligations.
• Professional advisors: attorneys, accountants, and auditors, where reasonably necessary.
• Legal compliance: when required by law, court order, or valid legal process, or to protect the rights, safety, or property of the Firm, our Clients, or others.
• Business transfers: in connection with a merger, acquisition, or sale of all or part of our business, subject to reasonable confidentiality protections.

5. Data Security

We implement commercially reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, disclosure, or loss. No method of transmission or electronic storage is completely secure, however, and we cannot guarantee absolute security.

6. Data Retention

We retain personal information only as long as necessary for the purposes described in this Policy, to satisfy our legal and tax obligations, to resolve disputes, and to enforce our agreements. When no longer needed, information is securely deleted or anonymized.

7. Your California Privacy Rights

If you are a California resident, the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA) provide you with specific rights regarding your personal information, including:

• Right to know what personal information we collect, use, disclose, and retain about you.
• Right to access and request a copy of the personal information we hold.
• Right to delete personal information we have collected about you, subject to certain exceptions.
• Right to correct inaccurate personal information.
• Right to opt out of the sale or sharing of personal information. We do not sell or share personal information as those terms are defined by the CCPA/CPRA.
• Right to non-discrimination for exercising any of your privacy rights.

To exercise any of these rights, contact us at support@idahoassociates.com. We will verify your identity before processing your request and respond within the timeframes required by law.

8. Children's Privacy

Our services are directed to adults. We do not knowingly collect personal information from individuals under the age of 18. If you believe a minor has provided us with personal information, please contact us and we will take appropriate steps to delete it.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies before providing any information.

10. International Users

Our services are operated from the United States. If you access our services from outside the U.S., you understand that your information will be processed in the United States, which may have different data protection laws than your country of residence.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We encourage you to review this Policy periodically.

12. Contact Us

Idaho Associates LLC
Attn: Privacy
516 North Sepulveda Boulevard
Manhattan Beach, CA 90266
Email: support@idahoassociates.com
Phone: (800) 262-0397

1. Overview

At Idaho Associates LLC, we believe in clear, transparent expectations between our firm and every Client we serve. This Refund Policy outlines the circumstances under which fees paid to the Firm may be refunded, the procedure for requesting a refund, and your rights as a cardholder.

2. Three (3) Business Day Cancellation Window

Clients may cancel a consulting engagement and receive a full refund of all fees paid, provided that written notice of cancellation is received by the Firm within three (3) business days following the date of engagement commencement.

"Engagement commencement" is defined as the earlier of (a) the date the engagement agreement is fully executed, or (b) the date the Client first accesses any materials, sessions, or deliverables provided under the engagement.

3. After the Cancellation Window

After the three (3) business day cancellation window, fees paid are generally non-refundable, except as follows:

• Firm-initiated termination: If the Firm terminates the engagement without cause, the Client will receive a pro-rata refund of any prepaid fees attributable to undelivered services.
• Failure to deliver: If the Firm is unable to deliver materially agreed-upon services for reasons solely within the Firm's control, the Client is entitled to a refund of fees attributable to the undelivered services.
• Documented hardship: The Firm, at its sole discretion and on a case-by-case basis, may release a Client from remaining payment obligations or issue a partial refund in situations involving documented medical, financial, or personal hardship.

4. Refund Processing

Approved refunds will be processed to the original method of payment within ten (10) business days of approval. Depending on the card issuer or bank, additional time may be required for the refund to appear on your statement.

5. Cardholder Rights & Chargebacks

Nothing in this Refund Policy limits or waives any rights you may have as a cardholder under the rules of your card network or under applicable law. We encourage Clients to contact us directly at support@idahoassociates.com before initiating a chargeback so that we may attempt to resolve any concern promptly and in good faith.

6. California Statutory Rights

If you are a California resident, you retain all cancellation and refund rights afforded under California law. Nothing in this Policy is intended to waive or limit those rights. Where applicable California law provides a longer cancellation period than stated above, the statutory period applies.

7. Non-Refundable Items

The following are non-refundable regardless of cancellation timing:

• Third-party expenses already incurred on behalf of the Client (filing fees, vendor costs, etc.).
• One-time registration, onboarding, or setup fees specifically designated as non-refundable in the engagement agreement.

8. Changes to This Policy

We may update this Refund Policy from time to time. Policy updates do not retroactively affect active engagements; the Policy in effect on the date of engagement commencement applies.

9. Contact

For refund requests or questions about this Policy:

Idaho Associates LLC
Attn: Client Services
516 North Sepulveda Boulevard
Manhattan Beach, CA 90266
Email: support@idahoassociates.com
Phone: (800) 262-0397
Business Hours: Monday – Friday, 9:00 AM – 5:00 PM PT