Terms of Service

SALT & SAGE BOOKKEEPING

Steady Books. Solid Ground.

Effective Date: October 14, 2026

Welcome to Salt & Sage Bookkeeping. These Terms of Service ("Terms") govern your use of our website, www.ssbkmaui.com, and establish general conditions applicable to inquiries and professional services provided by Salt & Sage Bookkeeping ("Company," "we," "us," or "our").

By accessing or using our website, you agree to comply with these Terms. Bookkeeping and related professional services are governed by a separate signed engagement agreement. Where these Terms conflict with a signed engagement agreement, the engagement agreement will control, subject to applicable law.

1. Professional Services

Salt & Sage Bookkeeping provides professional bookkeeping and related financial administrative services, which may include:

Monthly bookkeeping and account reconciliations.
Catch-up and cleanup bookkeeping.
Financial statement preparation and reporting.
Payroll processing and payroll administration.
Hawaiʻi General Excise Tax (GET) reporting assistance.
Accounts payable and accounts receivable support.
QuickBooks Online setup, maintenance, and support.
Other bookkeeping and administrative services agreed upon in writing.

The specific scope, pricing, responsibilities, and deliverables for each engagement are established in the client's signed engagement agreement.

Services outside the agreed scope may require additional authorization and fees.

2. No Tax, Legal, or Investment Advice

Unless expressly authorized and appropriately qualified to provide a particular service, Salt & Sage Bookkeeping does not provide legal advice, investment advice, independent audits, or attest services.

Bookkeeping services and assistance with authorized tax-related filings do not constitute a guarantee of tax outcomes or compliance with every applicable requirement.

Clients are encouraged to consult qualified tax professionals, attorneys, and financial advisers when specialized advice is necessary.

3. Client Responsibilities

Clients agree to provide accurate, complete, and timely financial information necessary to perform contracted services.

Client responsibilities include:

Providing access to necessary financial records and accounting platforms.
Supplying requested documentation within reasonable timeframes.
Reviewing financial reports and communicating discrepancies.
Maintaining appropriate internal controls and safeguarding business assets.
Approving transactions, payroll, and filings where required.
Meeting financial, tax, and regulatory obligations.

Salt & Sage Bookkeeping is entitled to rely on information supplied by clients and their authorized representatives, subject to applicable professional and legal obligations.

Delays, inaccuracies, or missing information may affect the timeliness and accuracy of services.

4. Payment Terms and Billing

Payment terms are established in the signed engagement agreement and the Company's Payment & Collections Policy, where incorporated into that agreement.

Monthly Bookkeeping

Monthly bookkeeping services are invoiced on either the 1st or 15th of each month, based on the client's established billing schedule. Invoices are due upon receipt.

Automatic ACH payments are required for recurring monthly bookkeeping services, subject to the client's payment authorization.

Accepted Payment Methods

ACH bank transfer is the standard payment method for recurring bookkeeping services and does not carry an additional processing fee from Salt & Sage Bookkeeping.
Credit card payments are accepted, subject to a 3% processing fee where permitted by applicable law and card-network rules and properly disclosed.

Additional Services

Work outside the original engagement is billed at $250 per hour unless otherwise agreed in writing.

Catch-Up and Cleanup Projects

A minimum 50% deposit is required before work begins. Additional progress payments may be required based on project size and scope.

5. Late Payments and Collections

Salt & Sage Bookkeeping reserves the right to enforce the payment provisions contained in its signed engagement agreements and applicable Payment & Collections Policy.

The general past-due schedule is:

5 Days Past Due: Courtesy payment reminder.
10 Days Past Due: A $35 late fee may apply where contractually agreed and legally enforceable.
30 Days Past Due: Services may be suspended following appropriate written notice.
Continued Nonpayment: Services may be terminated and outstanding balances pursued through lawful collection methods.

Clients remain responsible for payment for services performed, including services completed before suspension or termination.

Any collection costs, attorney fees, or interest will be sought only where permitted by applicable law or enforceable agreement.

6. Service Suspension and Termination

Salt & Sage Bookkeeping reserves the right to suspend or terminate services for:

Continued nonpayment.
Failure to provide required documentation.
Material breach of the engagement agreement.
Fraudulent, unlawful, or inappropriate conduct.
Circumstances that prevent services from being performed accurately, ethically, or lawfully.

Suspension or termination will be handled in accordance with the signed engagement agreement, applicable notice requirements, and governing law.

Clients remain responsible for their own payroll, tax, and regulatory deadlines, except to the extent otherwise required by law or an existing contractual obligation.

7. Accounting Software and Client Records

Clients retain ownership and authorized access to their financial records and client-owned accounting software, including QuickBooks Online.

Salt & Sage Bookkeeping does not claim ownership of client financial information.

Clients are responsible for maintaining their accounting software subscriptions unless otherwise specified in writing.

The Company may retain copies of relevant records for legitimate business, legal, and recordkeeping purposes, subject to its Privacy Policy and applicable law.

8. Confidentiality and Privacy

Salt & Sage Bookkeeping recognizes the confidential nature of client financial and business information.

We take reasonable measures to protect information provided during professional engagements.

Client information may be processed through third-party platforms, including QuickBooks Online, Encyro, payment processors, and other authorized service providers.

Clients are encouraged to use Encyro, our designated secure document-sharing platform, when submitting confidential financial documents.

Our collection, use, retention, and disclosure of personal information are further described in our Privacy Policy.

9. Electronic Communications and Signatures

Clients acknowledge that electronic communications and cloud-based accounting platforms may be used in connection with professional services.

Electronic signatures, approvals, and agreements may be accepted to the extent permitted by applicable law, including the Hawaiʻi Uniform Electronic Transactions Act.

Clients are responsible for providing accurate contact information and promptly communicating changes.

10. Accuracy of Information and Limitations

Salt & Sage Bookkeeping strives to provide accurate, timely, and reliable services based on the records and information made available.

However, financial reporting accuracy depends in part on the completeness and accuracy of client-provided information.

We do not guarantee particular financial results, profitability, tax savings, or business outcomes.

Nothing in these Terms excludes liability that cannot lawfully be excluded or limits rights that cannot lawfully be waived.

Any additional allocation of responsibility or limitation of liability for professional services must be established in an enforceable signed engagement agreement.

11. Website Use

Visitors agree to use our website only for lawful purposes.

Users may not:

Attempt unauthorized access to our website or connected systems.
Interfere with website security or functionality.
Submit fraudulent or misleading information.
Use website content in a manner that infringes applicable intellectual property rights.

We reserve the right to restrict website access when reasonably necessary to protect our systems or comply with applicable law.

12. Intellectual Property

Unless otherwise indicated, the text, branding, logos, graphics, and original materials published on our website belong to Salt & Sage Bookkeeping or their respective rights holders.

Website visitors may view and use publicly available information for personal, noncommercial purposes.

Reproduction, redistribution, or commercial use of protected materials without appropriate authorization is prohibited, except as permitted by law.

13. Third-Party Links and Services

Our website may contain links to third-party websites and services, including scheduling platforms, payment processors, QuickBooks Online, and secure document-sharing services.

These third parties operate under their own terms, policies, and security practices.

Salt & Sage Bookkeeping is not responsible for the content or independent practices of third-party websites.

14. Service Availability

We make reasonable efforts to maintain the availability of our website and professional services.

Temporary interruptions may occur because of system maintenance, internet connectivity, software outages, holidays, emergencies, or circumstances outside our reasonable control.

Any service deadlines and responsibilities remain subject to the applicable engagement agreement and law.

15. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Hawaiʻi, without regard to applicable conflict-of-law principles.

Subject to applicable jurisdiction and venue requirements, disputes arising from these Terms shall be brought before an appropriate court in Maui County, Hawaiʻi.

Nothing in these Terms prevents a party from exercising rights or remedies that cannot legally be restricted.

16. Changes to These Terms

Salt & Sage Bookkeeping may update these website Terms periodically to reflect changes in services, business operations, or legal requirements.

Revised Terms will be published on our website with an updated effective date.

Changes to the terms of an existing professional engagement will be governed by the signed engagement agreement and any applicable written amendment requirements. Website publication alone does not retroactively modify a signed engagement.

17. Contact Information

For any questions or concerns regarding these Terms of Service, please contact Salt & Sage Bookkeeping through the Contact Me page on our website.