Disclosures & Privacy Policy
Disclosures
No Rendering of Advice; Educational and Informational Purpose Only
This website and all content, tools, articles, newsletters, models, and resources provided by Cedarmill Financial (including free tools such as the Family Balance Sheet, Master Budget, and Cash Flow Analyzer) are for general educational and informational purposes only. They do not constitute investment advice, financial advice, tax advice, legal advice, accounting advice, or any other form of professional advice. Viewing or using this content does not create an advisory, fiduciary, client, or professional relationship of any kind.
Cedarmill Financial is not a registered investment adviser and does not provide personalized investment recommendations, portfolio management, securities advice, or advice regarding the purchase or sale of any securities. Any discussion of investment concepts, asset allocation, passive strategies, funds, or related topics is purely educational and illustrative. Nothing on this site is tailored to your individual circumstances or should be treated as a recommendation.
Individualized services (such as Founder’s Check-in™, Net Worth Mapping, Family CFO support, Business Formation discussions, or similar consulting) are limited in scope, fee-only (not asset-based or commission-based), and provided only under a separate written engagement. These services focus on organizational, educational, cash-flow, net-worth tracking, tax-planning education, business-structure, and related planning topics. They do not include investment advice or the management of securities portfolios. You remain solely responsible for all investment and other financial decisions and should consult your own qualified investment adviser, CPA, attorney, or other professional as needed.
Any U.S. federal tax information is not intended or written to be used, and cannot be used, for the purpose of avoiding penalties under the Internal Revenue Code or promoting, marketing, or recommending to another party any transaction or matter addressed herein. Consult a Certified Public Accountant or tax attorney for advice specific to your circumstances.
Accuracy of Information
We make reasonable efforts to keep information current and accurate, but we make no representations or warranties that any content, tool, model, or statement is complete, reliable, current, or error-free. Opinions, models, and tools are subject to change and do not necessarily reflect the views of Cedarmill Financial. Past performance is not indicative of future results. Investing, business ownership, and financial decisions involve risk, including the potential loss of principal.
Disclaimer of Warranties and Limitation of Liability
This website, all content, tools, and any related services are provided on an “as is” and “as available” basis. Use is at your own risk. To the fullest extent permitted by law, Cedarmill Financial and its affiliates disclaim all warranties, express or implied. Neither we nor our affiliates shall be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from use of the site, reliance on content or tools, or any engagement.
Third-Party Links and Resources
Links to third-party websites or references to external products, services, or tools are provided for convenience only. We do not control, evaluate, endorse, or assume responsibility for their content, accuracy, privacy practices, or availability. Your use of third-party sites is entirely at your own risk. We may receive a commission from any third-party links from media on our website.
Individualized Engagements: Founder's Check-in™
Any paid or customized services are governed exclusively by a separate engagement letter or agreement that defines the limited scope, fees, deliverables, and limitations. Website content alone does not create an ongoing relationship or obligation.
For questions about these disclosures, please contact us through the methods provided on the site.
Last updated: October 13, 2026*
Privacy Policy
**Effective Date:** October 13, 2026
**Last Updated:** October 13, 2026
Cedarmill Financial (“we,” “us,” or “our”), based in Chesterfield, Missouri, operates the website cedarmillfinancial.com (the “Site”) and related offerings. These primarily consist of educational content, free tools, articles, and newsletters, along with limited fee-based non-advisory planning and consulting engagements offered under separate agreements.
This Privacy Policy describes how we collect, use, disclose, and protect information when you visit the Site, use tools or content, subscribe to communications, request a consultation, or engage our services.
Information We Collect
- **Information you provide**: Name, email address, phone number, and other details submitted through contact forms, consultation booking, newsletter signup, feedback forms, or service engagement documents. For paid services we may collect additional information you choose to share that is needed to deliver the engagement, plus payment details processed by third-party payment processors.
- **Automatically collected information**: IP address, browser type and version, device information, pages visited, referring URLs, approximate location, and usage data collected via cookies, pixels, and similar technologies (including analytics tools).
- **Communications**: Records of emails, messages, or other interactions related to inquiries or services.
Basic Site use does not require account registration.
How We Use Information
We use the information we collect to:
- Operate, maintain, and improve the Site, tools, and educational content.
- Deliver newsletters, articles, and other requested materials.
- Respond to inquiries and schedule consultations.
- Provide and administer limited fee-based planning or consulting engagements under separate agreements.
- Process payments through third-party processors.
- Analyze Site usage to improve user experience and content.
- Comply with legal obligations and protect our rights and the rights of others.
We do not sell your personal information.
Sharing of Information
We may share information with:
- Service providers that host the Site, process payments, deliver emails, provide analytics, or support other operations (these parties are contractually required to protect the information and use it only for the services they perform for us).
- Professional advisors when reasonably necessary and subject to confidentiality obligations.
- Government authorities or other parties when required by law, to protect rights, safety, or property, or in connection with a business transfer (e.g., sale or merger).
Cookies and Tracking Technologies
We use cookies and similar technologies for essential Site functions, analytics, and preference management. You can control or disable cookies through your browser settings. Note that disabling certain cookies may affect Site functionality.
Data Security and Retention
We implement reasonable administrative, technical, and physical safeguards designed to protect the information we collect. However, no method of transmission over the Internet or electronic storage is completely secure. We retain information only for as long as necessary to fulfill the purposes described in this policy, complete services, or comply with legal obligations.
Your Rights and Choices
Depending on your location (including under the California Consumer Privacy Act / California Privacy Rights Act for California residents and similar state laws), you may have rights to access, correct, delete, or opt out of certain uses or sharing of your personal information. To exercise these rights or to opt out of marketing emails, contact us using the details below or use the unsubscribe link in any email. We will not discriminate against you for exercising applicable privacy rights.
Children’s Privacy
The Site is not directed to children under 13 (or the relevant age under applicable law). We do not knowingly collect personal information from children.
Changes to This Policy
We may update this Privacy Policy from time to time. The “Last Updated” date at the top will reflect any changes. Your continued use of the Site after an update constitutes acceptance of the revised policy.
Contact Us
Questions about this Privacy Policy or our privacy practices:
Cedarmill Financial
Chesterfield, MO 63017
Email tom@cedarmillfinancial.com