Terms of Service
Terms and conditions governing the use of our website and services
Last updated: April 24, 2026
📑 Table of Contents
1. Introduction
Welcome to the website of Golden Ratio Consulting, LLC. By accessing or using our website, you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please do not use our website.
Golden Ratio Consulting, LLC ("Company," "we," "us," or "our") operates this website to provide information about our services, resources, and expertise. These Terms of Service apply to all visitors, users, and others who access or use the website.
2. Use of Our Website
You may use our website only for lawful purposes and in accordance with these Terms. You agree not to:
- Use the website in any way that violates applicable federal or state laws or regulations.
- Engage in any conduct that restricts or inhibits any other user from using or enjoying the website.
- Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the website, the server on which the website is stored, or any server, computer, or database connected to our website.
- Use any robot, spider, or other automatic device, process, or means to access the website for any purpose, including monitoring or copying any of the material on this website.
- Introduce any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.
We reserve the right to terminate or restrict your access to the website for any violation of these Terms or for any other reason at our sole discretion.
3. Intellectual Property Rights
The website and its entire contents, features, and functionality, including but not limited to all text, graphics, logos, images, videos, and the design, selection, and arrangement thereof, are owned by Golden Ratio Consulting, LLC, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.
You may view, download, and print pages from the website for your personal, non-commercial reference only, provided you do not remove or modify any copyright, trademark, or other proprietary notices.
You must not:
- Republish material from this website without our prior written consent.
- Sell, rent, or sub-license material from the website.
- Reproduce, duplicate, copy, or otherwise use material on this website for commercial purposes.
- Redistribute content from this website, including for public display, unless expressly authorized in writing.
4. Third-Party Links and Resources
Our website may contain links to third-party websites or resources. We provide these links for your convenience only. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any third-party website linked to this website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.
5. Disclaimer of Warranties
Your use of this website is at your sole risk. The website is provided on an "AS IS" and "AS AVAILABLE" basis. Golden Ratio Consulting, LLC expressly disclaims all warranties of any kind, whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
We make no warranty that: the website will meet your requirements; the website will be uninterrupted, timely, secure, or error-free; the results that may be obtained from the use of the website will be accurate or reliable; the quality of any products, services, information, or other material purchased or obtained by you through the website will meet your expectations.
Any material downloaded or otherwise obtained through the use of the website is done at your own discretion and risk, and you will be solely responsible for any damage to your computer system or loss of data that results from the download of any such material.
No advice or information, whether oral or written, obtained by you from us or through the website shall create any warranty not expressly stated in these Terms.
6. Limitation of Liability
To the fullest extent permitted by law, Golden Ratio Consulting, LLC, its officers, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from: your use or inability to use the website; any conduct or content of any third party on the website; any content obtained from the website; unauthorized access, use, or alteration of your transmissions or content.
This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if we have been advised of the possibility of such damage.
7. Indemnification
You agree to defend, indemnify, and hold harmless Golden Ratio Consulting, LLC, its officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms of Service or your use of the website, including, but not limited to, any use of the website's content, services, and products other than as expressly authorized in these Terms.
8. Privacy
Your use of the website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding the collection and use of your information.
9. HIPAA and Protected Health Information
Our Role is Consulting, Not Healthcare. Golden Ratio Consulting provides technology consulting and advisory services only. We are not a covered entity or healthcare provider under the Health Insurance Portability and Accountability Act of 1996 ("HIPAA"). Any health-related data we process is handled strictly as a business associate during specific consulting engagements.
Safeguards for Health Information. We implement appropriate administrative, technical, and physical safeguards to protect health information received during consulting projects. Access is restricted to authorized personnel only, and all data handling complies with the HIPAA Security Rule requirements.
Scope Limitation. Client acknowledges that Golden Ratio Consulting acts solely as a technology consultant. We do not provide healthcare services, diagnosis, or treatment. Health data processing occurs only as necessary for consulting deliverables and pursuant to executed Business Associate Agreements where applicable. Our HIPAA compliance obligations apply only to protected health information (PHI) processed during specific consulting engagements covered by those agreements. General business data remains subject to standard privacy protections outlined in our Privacy Policy.
No PHI Through This Website. Our website and general contact forms are not intended for the submission of medical or health-related information. You agree not to submit, upload, or transmit any Protected Health Information through this website. If you are a client and need to share PHI with us, you must do so using the secure channels provided under your signed agreement.
Unauthorized submission of PHI via this site may violate these Terms and applicable law. In the event of a conflict between these Terms and a signed Business Associate Agreement, the Business Associate Agreement governs.
10. Changes to These Terms
We may revise and update these Terms of Service from time to time at our sole discretion. All changes are effective immediately when we post them. Your continued use of the website following the posting of revised Terms of Service means that you accept and agree to the changes. You are expected to check this page periodically so you are aware of any changes, as they are binding on you.
11. Governing Law and Jurisdiction
These Terms of Service and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts, without giving effect to any choice or conflict of law provision or rule.
Any legal suit, action, or proceeding arising out of, or related to, these Terms of Service or the website shall be instituted exclusively in the federal courts of the United States or the courts of the Commonwealth of Massachusetts, in each case located in Boston, Massachusetts. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.
12. Entire Agreement
These Terms of Service and our Privacy Policy constitute the sole and entire agreement between you and Golden Ratio Consulting, LLC regarding the website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the website.
Industries we serve: small and mid-sized businesses across diverse sectors, from startups and family-owned companies to growing enterprises. We partner with you to align financial strategy and IT capabilities with your unique goals.
Resources: explore our collection of blogs, case studies, webinars, and industry reports, designed to keep you informed and empowered.
13. Contact Information
If you have any questions about these Terms of Service, please contact us:
Email: [email protected]
Phone: (617) 555-0123
Address: 125 Summer Street, Suite 1300, Boston, MA 02110
Our legal team typically responds within 3-5 business days.