This Disclosures statement summarizes important information about Liquid Partners, the services we provide, and the responsibilities of our clients. It is in addition to, and does not replace, the Engagement Terms or any specific Engagement Letter.
What Liquid Partners Is
Liquid Partners, Inc. is a Wyoming-organized management consulting firm. We provide strategic capital advisory services to U.S. business owners under written Engagement Letters.
What Liquid Partners Is Not
- We are not a bank.
- We are not a lender, finance company, or credit-services organization.
- We are not a money transmitter and do not transmit money on behalf of third parties.
- We are not a registered investment advisor.
- We are not a law firm and do not provide legal advice.
- We are not an accounting firm and do not provide tax or accounting advice.
- We are not affiliated with any card issuer, merchant processor, or banking institution beyond ordinary commercial relationships.
Use Your Other Advisors
You should obtain advice from qualified counsel, a certified public accountant, and any other professional advisors you reasonably require before implementing any recommendation made by the Firm. Our recommendations are advisory; the decision to implement, and the manner of implementation, are yours and yours alone.
Cardholder Agreement Primacy
Your relationship with each of your card issuers is governed exclusively by your cardholder agreement with that issuer. All rates, fees, interest, terms, account-level decisions, reward eligibility, credit-line determinations, and reclassification of transactions remain at the sole discretion of your issuer. The Firm has no authority over any of these determinations. The Firm makes no representation, warranty, or guarantee regarding how any issuer will respond to any course of action you may take.
Retainer Mechanics
Every engagement is funded by a retainer paid to Liquid Partners. The retainer is deposited into a segregated client-funds account at a federally insured U.S. depository institution and held separately from the Firm’s operating funds. The Firm earns its engagement fee proportionally against documented work performed. At engagement completion, a final invoice is issued; the earned fee is recognized; and the unearned balance is refunded to the Client’s verified business bank account, typically within 1–3 business days.
No Outcome Guarantees
The Firm does not guarantee any specific outcome, business result, financial result, or reaction by any third party including card issuers, processors, banks, or regulators. Past results do not predict future outcomes. The Firm’s deliverables are educational and advisory in nature.
Conflicts of Interest
The Firm may refer clients to processors, banks, accountants, attorneys, or other service providers in connection with an engagement. The Firm may receive no compensation, or may receive disclosed compensation, for such referrals. Any referral relationship that involves compensation to the Firm will be disclosed to the Client in writing before the referral is made.
Right to Decline; Right to Terminate
The Firm may decline any prospective engagement at our sole discretion. The Firm may also terminate an active engagement under the conditions set forth in the Engagement Terms, including without limitation Client breach, Client ineligibility, or material change in circumstances. Upon termination, the unearned balance of the retainer is refunded to the Client.
Records & Audit
The Firm maintains engagement records for a minimum of seven (7) years and may be required to produce these records in response to subpoena, court order, or other lawful request. The Firm cooperates with such legal process to the extent required by law, subject to applicable privilege and confidentiality protections.
State-Specific Notices
Clients located in certain states may have additional rights and protections. These include, without limitation:
- California: California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA) rights apply. See the Privacy Policy.
- New York: Clients have rights under New York General Business Law regarding professional service contracts.
- Texas, Florida, Illinois: Clients have rights under applicable state consumer-protection statutes.
If you believe any of these provisions apply to your situation in a way that is not addressed in the Engagement Letter or these Terms, please contact compliance@liquidpartners.com.
Questions
If you have questions about this Disclosures statement, contact compliance@liquidpartners.com before signing an Engagement Letter or funding a retainer.