Terms of Use

These Terms of Use are entered into by and between you and Hafen Buckner Everett Graff,

P.C. (“Company,” “we,” or “us”).

These terms and conditions, together with any documents they expressly incorporate by reference (collectively, the “Terms of Use”), govern your access to and use of hbeg.com, including all content, functionality, and services offered on or through hbeg.com (the “Website”), whether you are accessing the Website as a guest or as a registered user.

Please read these Terms of Use carefully before using the Website. By using the Website, or by clicking to accept or agree to these Terms of Use when prompted, you agree to be bound by these Terms of Use and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms of Use or the documents incorporated by reference, you must not access or use the Website.

The Website is intended for individuals who are eighteen (18) years of age or older. By using the Website, you represent and warrant that you are of legal age to form a binding contract with the Company and that you meet all eligibility requirements. If you do not meet these requirements, you may not access or use the Website.

Changes to the Terms of Use

We reserve the right to revise and update these Terms of Use at any time in our sole discretion. All changes are effective immediately upon posting and apply to all access to and use of the Website thereafter. Your continued use of the Website following the posting of revised Terms of Use constitutes your acceptance of those changes. You are encouraged to review these Terms periodically, as they are binding.

Privacy

Your use of the Website is subject to the Company’s Privacy Policy. Please review the Privacy Policy, which governs our data collection, use, and disclosure practices. By using the Website, you consent to the collection and use of your information in accordance with the Privacy Policy, which is incorporated into these Terms of Use by reference.

Disclaimer

Your use of the Website is also subject to the Company’s Disclaimer. The information provided on the Website is for general informational and educational purposes only and should not be construed as legal, tax, accounting, or other professional advice. Your agreement to the Disclaimer is incorporated into these Terms of Use by reference.

Accessing the Website and Account Security

We reserve the right to withdraw or modify this Website, and any service or material provided through the Website, at our sole discretion without notice. We are not liable if all or any part of the Website is unavailable at any time or for any reason.

To access certain features of the Website, you may be required to provide registration or other information. You agree that all information you provide is accurate, current, and complete, and that it is governed by our Privacy Policy.

If you are provided with login credentials, you are responsible for maintaining the confidentiality of such information and for all activity that occurs under your account. You agree to notify us immediately of any unauthorized access or security breach. The Company reserves the right to disable any user account at any time if we determine that these Terms have been violated.

No Unlawful Or Prohibited Use And Intellectual Property

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Website for lawful purposes in accordance with these Terms of Use.

All content on the Website—including text, graphics, logos, images, downloads, and software—is the property of the Company or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not copy, reproduce, distribute, modify, create derivative works from, or exploit any content without prior written permission.

The Company name, logo, and all related branding are trademarks of the Company. Unauthorized use is strictly prohibited.

Educational and Informational Purposes Only

The content and resources available on this Website are provided for educational and informational purposes only. Nothing on this Website constitutes professional advice or creates a client relationship. You should consult a qualified professional familiar with your specific circumstances before making decisions based on information from the Website.

Accuracy and Personal Responsibility

While we strive to ensure accuracy, the Company makes no guarantees regarding the completeness, reliability, or accuracy of the information provided. You acknowledge that you are responsible for your own decisions and actions and agree that the Company is not liable for outcomes resulting from your reliance on Website content.

No Guarantees of Results

The Company does not guarantee any particular result from the use of information, tools, or resources provided on the Website. Past results do not guarantee future outcomes, and individual results may vary.

Electronic Communications

By visiting the Website or contacting the Company electronically, you consent to receive communications from us electronically. All notices, disclosures, and communications provided electronically satisfy any legal requirement that such communications be in writing.

Electronic communications do not establish a professional or contractual relationship. While we take reasonable steps to protect confidentiality, we cannot guarantee the security of electronic communications.

Third-Party Links and Services

The Website may contain links to third-party websites for convenience. Hafen Buckner does not control or endorse such websites and is not responsible for their content, policies, or practices. Accessing third-party websites is at your own risk.

User Submissions

Any feedback, comments, or materials you submit to the Company through the Website may be used by the Company without restriction or compensation. You represent that you own or control all rights to any materials you submit.

No Refunds

Unless otherwise stated in writing, all sales and fees are final. The Company does not offer

refunds for services, digital products, or other purchases.

No Warranties

THE COMPANY MAKES NO WARRANTIES REGARDING THE PERFORMANCE OR OPERATION OF THIS WEBSITE. THE COMPANY FURTHER MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE INFORMATION, CONTENTS, MATERIALS, DOCUMENTS, PROGRAMS, PRODUCTS, BOOKS, OR SERVICES INCLUDED ON OR THROUGH THIS WEBSITE. TO THE FULLEST EXTENT PERMISSIBLE UNDER THE LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

Limitation of Liability

YOU AGREE TO ABSOLVE THE COMPANY OF ANY AND ALL LIABILITY OR LOSS THAT YOU OR ANY PERSON OR ENTITY ASSOCIATED WITH YOU MAY SUFFER OR INCUR AS A RESULT OF USE OF THE INFORMATION CONTAINED ON THIS WEBSITE AND/OR THE RESOURCES YOU MAY DOWNLOAD FROM THIS WEBSITE. YOU AGREE THAT THE COMPANY SHALL NOT BE LIABLE TO YOU FOR ANY TYPE OF DAMAGES, INCLUDING DIRECT, INDIRECT, SPECIAL, INCIDENTAL, EǪUITABLE, OR CONSEǪUENTIAL LOSS OR DAMAGES FOR USE OF THIS WEBSITE.

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE WEBSITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. THE COMPANY AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE WEBSITE AT ANY TIME.

THE COMPANY AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE WEBSITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. THE COMPANY AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON- INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEǪUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE WEBSITE, WITH THE DELAY OR INABILITY TO USE THE WEBSITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE WEBSITE, OR OTHERWISE ARISING OUT OF THE USE OF THE WEBSITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF THE COMPANY OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR

LIMITATION OF LIABILITY FOR CONSEǪUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE WEBSITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE WEBSITE.

Arbitration

Any dispute arising out of or related to these Terms or your use of the Website shall be resolved through binding arbitration in the State of Utah, and you waive any right to participate in a class action or class arbitration.

Indemnification

You agree to indemnify and hold harmless the Company, its officers, employees, and agents from any claims, damages, liabilities, or expenses arising from your use of the Website or violation of these Terms.

Termination

The Company may terminate or restrict your access to the Website at any time, without notice, for any reason, including violation of these Terms.

Governing Law

These Terms of Use are governed by and construed in accordance with the laws of the

State of Utah, without regard to conflict-of-law principles.

Entire Agreement

These Terms of Use, together with the Privacy Policy and Disclaimer, constitute the entire agreement between you and the Company regarding the Website and supersede all prior communications.

Contact Information

If you have questions or comments regarding these Terms of Use, please contact us at:

Hafen Buckner, P.C.

90 E 200 N

St. George, UT 84770

admin@hbeg.com

Our mission is simple: to empower business owners with clarity, communication, and confidence in every financial decision.
Contact

Main Office:
90 East 200 North St George, UT 84770

Phone:
(435) 673-6167

Email:
admin@hbeg.com

© 2025 Hafen Buckner. All rights reserved.