--- title: Legal --- [Skip to content](https://www.temperadvisory.com/legal#main-content) [![](https://www.temperadvisory.com/hs-fs/hubfs/logo-ink.png?width=1411&height=622&name=logo-ink.png)Homepage](https://www.temperadvisory.com/Temperadvisory.com?hsLang=en) - [WHAT WE DO](https://www.temperadvisory.com/?hsLang=en#two-parts) - [FIVE PILLARS](https://www.temperadvisory.com/?hsLang=en#engine) - [SOLUTIONS](https://www.temperadvisory.com/?hsLang=en#solutions) - [BLOG](https://www.temperadvisory.com/temperblogs?hsLang=en) - [CONTACT](https://www.temperadvisory.com/?hsLang=en#contact) [Get started](https://www.temperadvisory.com/?hsLang=en#contact) - [WHAT WE DO](https://www.temperadvisory.com/?hsLang=en#two-parts) - [FIVE PILLARS](https://www.temperadvisory.com/?hsLang=en#engine) - [SOLUTIONS](https://www.temperadvisory.com/?hsLang=en#solutions) - [BLOG](https://www.temperadvisory.com/temperblogs?hsLang=en) - [CONTACT](https://www.temperadvisory.com/?hsLang=en#contact) [Get started](https://www.temperadvisory.com/?hsLang=en#contact) # Legal Effective date: September 30, 2026 These Terms of Use govern your use of temperadvisory.com and temperadvisorysolutions.com (the "Sites"), which are operated by Commercial Transformation Group LLC, doing business as Temper Advisory ("Temper Advisory," "we," "us"). By using the Sites, you agree to these terms. ### Informational content only Articles, frameworks, cost ranges, and other content on the Sites are provided for general information. They are not professional, legal, financial, tax, insurance, or investment advice, and they may not fit your circumstances. Results described are illustrative and are not guarantees of future outcomes. Reading the Sites or contacting us does not create a client relationship. ### Client engagements Advisory, fractional, consulting, and implementation services are provided only under a separate written agreement. If that agreement conflicts with these terms, the agreement controls. ### Solutions and third-party programs Some solutions described on the Sites, including employee health and savings programs, shipping and IT cost programs, and capital formation, are delivered with or by independent third-party partners. Temper Advisory does not provide insurance, legal, tax, or securities services. Nothing on the Sites is an offer to sell, or a solicitation of an offer to buy, any security or insurance product. Any such program is subject to the partner's own terms, qualifications, and disclosures. ### Intellectual property The content on the Sites, including text, graphics, frameworks, logos, and the Temper Advisory name, belongs to Temper Advisory or its licensors and is protected by copyright and trademark law. You may share links and brief quotations with attribution. Any other reproduction or commercial use requires our written permission. ### Third-party links The Sites link to outside resources, such as industry reports, for your convenience. We do not control those sites and are not responsible for their content or privacy practices. ### Disclaimer of warranties The Sites are provided "as is" and "as available," without warranties of any kind, express or implied, including warranties of accuracy, completeness, merchantability, or fitness for a particular purpose. ### Limitation of liability To the fullest extent permitted by law, Temper Advisory will not be liable for any indirect, incidental, consequential, or special damages arising from your use of, or reliance on, the Sites or their content. ### Governing law These terms are governed by the laws of the State of Florida. Any dispute will be resolved in the state or federal courts serving Hernando County, Florida. ### Changes We may update these terms at any time. Continued use of the Sites after changes means you accept the revised terms. ### Contact Commercial Transformation Group LLC dba Temper Advisory [rick@temperadvisory.com](mailto:rick@temperadvisory.com) · (352) 585-8760 [![](https://www.temperadvisory.com/hs-fs/hubfs/logo-ink.png?width=1411&height=622&name=logo-ink.png)](https://temperadvisory.com?hsLang=en) - [WHAT WE DO](https://www.temperadvisory.com/?hsLang=en#two-parts) - [FIVE PILLARS](https://www.temperadvisory.com/?hsLang=en#engine) - [SOLUTIONS](https://www.temperadvisory.com/?hsLang=en#solutions) - [BLOG](https://www.temperadvisory.com/temperblogs?hsLang=en) - [CONTACT](https://www.temperadvisory.com/?hsLang=en#contact) --- [Privacy Policy](https://www.temperadvisory.com/privacy-policy?hsLang=en) · [Legal](https://www.temperadvisory.com/legal) · © 2026. All rights reserved.