Terms of Service

1. Agreement

By accessing or using zephyradv.com and any related subdomains (the “Site”), you agree to these Terms of Service (“Terms”). If you do not agree, do not use the Site. These Terms constitute a binding agreement between you and Zephyr Advisory Group LLC (“Zephyr,” “we,” “us”), a Colorado limited liability company.

2. Nature of Content

All content on this Site—including text, data, charts, models, assessments, commentary, and interactive tools—is provided for general informational and educational purposes only. Nothing on this Site constitutes:

• Investment advice or a recommendation to buy, sell, or hold any security.
• Tax advice or a substitute for consultation with a qualified tax professional.
• Legal advice or a substitute for consultation with qualified legal counsel.
• An offer or solicitation to provide advisory services in any jurisdiction where Zephyr is not appropriately registered or exempt from registration.

Advisory services are provided only under executed client agreements with applicable registration, licensing, and disclosures in place.

3. No Professional Relationship

Use of this Site, submission of contact forms, scheduling of meetings, or any other interaction does not create an advisory, fiduciary, attorney-client, or other professional relationship between you and Zephyr. A professional relationship is established only through a signed engagement letter or advisory agreement.

4. Intellectual Property

All content, design, code, trademarks, and other intellectual property on this Site are owned by or licensed to Zephyr Advisory Group LLC. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.

5. Third-Party Services

The Site integrates third-party services including Calendly (scheduling), Vercel (hosting), and analytics providers. Your use of these services is subject to their respective terms and privacy policies. We are not responsible for the practices of third-party providers.

6. Accuracy and Timeliness

We make reasonable efforts to ensure the accuracy of information on this Site, but we do not warrant that content is complete, current, or error-free. Market data, legislative summaries, and economic indicators are provided as of their stated dates and may not reflect subsequent developments. You should independently verify any information before relying on it.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Zephyr and its members, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of, or inability to use, the Site or any content therein. This limitation applies regardless of the theory of liability and even if we have been advised of the possibility of such damages.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for fraud, death or personal injury caused by negligence, or any other liability that mandatory law does not permit to be excluded.

8. Disclaimer of Warranties

The Site is provided “as is” and “as available” without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

9. Indemnification

You agree to indemnify and hold harmless Zephyr and its members, officers, employees, and agents from any claims, losses, liabilities, damages, costs, and expenses (including reasonable legal fees) arising from your use of the Site or violation of these Terms.

10. Governing Law and Jurisdiction

These Terms are governed by the laws of the State of Colorado, United States, without regard to conflict of law principles. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Colorado.

If you are located in the European Economic Area, United Kingdom, or other jurisdiction where mandatory consumer protection laws apply, nothing in these Terms deprives you of the protections granted by the mandatory laws of your country of residence or restricts your right to bring proceedings in the courts of that jurisdiction.

11. Modifications

We may revise these Terms at any time by updating this page. Material changes will be indicated by an updated effective date. Continued use of the Site after changes constitutes acceptance of the revised Terms.

12. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions continue in full force and effect.

13. Contact

Questions about these Terms may be directed to:

Zephyr Advisory Group LLC
Email: legal@zephyradv.com