1. Introduction
Welcome to "HMC Tax & Financial Services" ("we," "our," "us"). By accessing or using our website "www.cashflowbuilder.net", you agree to abide by these Terms & Conditions. These terms outline your rights and responsibilities when using our services. If you do not agree with any part of these terms, please discontinue the use of our website immediately.

2. Use of Website
To use our website, you must be at least 18 years old. By accessing our platform, you confirm that you meet this age requirement. You agree to use our website lawfully, ensuring that you do not engage in any activity that could harm our website, other users, or violate any applicable laws. This includes but is not limited to hacking, spamming, or misrepresenting yourself in any way.

3. Intellectual Property
All content, including but not limited to text, graphics, images, logos, and software, is owned by us or our licensors and is protected by copyright and intellectual property laws. You are not permitted to copy, modify, distribute, or reproduce any content from our website without obtaining written permission from us.

4. Limitation of Liability
We strive to provide accurate and up-to-date information; however, we make no warranties regarding the accuracy, reliability, or completeness of the content. We will not be held liable for any loss or damage resulting from the use of our website, including but not limited to direct, indirect, incidental, or consequential damages.

5. Changes to Terms
We reserve the right to modify or update these Terms & Conditions at any time. We recommend that you review this page periodically. Your continued use of the website after changes are made constitutes your acceptance of the updated terms.