Website Terms of Service

Last Updated: October 31, 2026

By accessing or using the Website or otherwise manifesting assent, you acknowledge that you have read and understood these Terms, understand that Website use and communications do not create a professional relationship, agree to comply with these Terms, and represent that you have legal capacity and authority to accept them.

1. Acceptance of Terms

1.1 Binding Agreement. These Website Terms of Service, together with the Privacy Policy and all documents expressly incorporated by reference (collectively, the “Terms”), constitute a binding agreement between Ostrich & Bison LLC, a California limited liability company (“Company,” “we,” “us,” or “our”), and each person or entity that accesses or uses the Website (“User,” “you,” or “your”). By accessing or using the Website, submitting an inquiry, creating an account for a Website feature, downloading materials, or otherwise manifesting assent, you acknowledge that you have read, understood, and agree to these Terms. If you do not agree, do not access or use the Website.

1.2 Eligibility and Authority. You must be at least eighteen years old and legally capable of entering a binding contract. If you use the Website for an organization, you represent that you have authority to act for that organization; references to “you” include the organization where applicable. The Website is not directed to children.

1.3 Electronic Communications. You consent to receive transactional and legal communications electronically and agree that electronic records, notices, and acceptances have the same effect as paper equivalents to the fullest extent permitted by law. Marketing communications remain subject to applicable law and your stated preferences.

2. Definitions

“Company Content” means the Website and Company-owned or licensed service descriptions, branding, software, designs, text, graphics, articles, FAQs, biographies, examples, downloadable resources, methodologies, frameworks, and other content made available through it.

“Privacy Policy” means the Company’s privacy policy available at https://tajchiu.com/privacy-policy/.

“User Submission” means information or material a User submits through the Website, including through a contact or inquiry form, email, mailing-list form, scheduling feature, review, or feedback channel.

“Website” means https://tajchiu.com, related Company-controlled webpages and portals, and associated public online functionality, excluding third-party platforms except to the extent expressly stated.

3. Website Only; Separate Professional Engagements

3.1 Informational and Promotional Content. The Website describes divorce coaching, financial coaching, and mediation services and may contain service descriptions, articles, FAQs, biographies, examples, pricing indications, availability statements, and marketing content. All such content is informational and promotional only. It is not an offer, proposal, professional advice, recommendation, promise of availability, or agreement to provide services.

3.2 No Relationship Through Website Activity. Submitting a form, sending an email, requesting a consultation, scheduling an introductory call, joining a mailing list, downloading materials, or otherwise communicating through the Website does not create a coaching, mediation, attorney-client, fiduciary, employment, agency, or other professional relationship and does not require the Company to accept an engagement. Do not act or refrain from acting in reliance on an inquiry or preliminary communication.

3.3 Separate Service Agreements. Paid or professional services begin only under a separate written and accepted engagement agreement, statement of work, order form, proposal, or other service agreement after the Company completes its intake and acceptance process. Those services are governed by that separate agreement, not these Website Terms, unless the separate agreement expressly incorporates these Terms. If a separate agreement conflicts with these Terms concerning the professional services it covers, the separate agreement controls within its scope.

4. Contact Forms and User Submissions

4.1 Information and Authority. The Website may collect a User’s name, email address, telephone number, organization, role or title, service interests, messages, and other information voluntarily supplied through a contact or inquiry form. You must provide accurate information, have lawful authority to submit it, and not impersonate another person or submit another person’s data without authorization.

4.2 Prohibited Submissions. You must not use a form or communication feature for spam, automated submissions, scraping, abusive or threatening inquiries, deceptive solicitations, unlawful content, malware, or interference. Do not submit privileged, confidential, trade-secret, health, financial-account, payment-card, government-identification, litigation-strategy, client-identifying, regulated, or other sensitive information. Submission does not create privilege, professional-client confidentiality, or any duty to treat unsolicited information as confidential except as required by law or stated in the Privacy Policy.

4.3 Ownership and Limited License. You retain ownership of your User Submissions. You grant the Company and its bound service providers a limited, nonexclusive, worldwide, royalty-free license to receive, review, route, respond to, secure, retain, and administer the inquiry; operate and protect the Website; comply with law; and preserve or resolve disputes. This license does not authorize unrelated marketing, public display, resale, or model training. You represent that you have all rights and permissions needed for the submission and this license.

4.4 Risk Controls. The Company may delete, quarantine, reject, or restrict access to unsolicited information that creates legal, ethical, operational, privacy, confidentiality, or security risk. The Company does not promise that every inquiry will be received, reviewed, answered, or retained.

5. Privacy and Communications

The Privacy Policy is incorporated by reference and governs disclosures concerning personal-information practices, including collection, use, disclosure, cookies and analytics, retention, security, and privacy rights. These Terms do not duplicate or replace it; if a privacy-practice disclosure conflicts, the Privacy Policy controls. Privacy questions and rights requests should be submitted to email. Providing a telephone number alone is not consent to marketing calls or automated texts. The Company will obtain any legally required marketing consent separately, and marketing consent is not a condition of purchasing services.

6. Accessibility and Nondiscrimination

The Company seeks to make the Website available without unlawful discrimination. Accessibility questions or accommodation requests may be sent to email or 626-517-7956. The Company will consider requests in accordance with applicable law, taking account of available technology, third-party platforms, undue burden, and fundamental alteration. Users must not use the Website for unlawful discrimination, harassment, retaliation, or exclusion.

7. Acceptable Use

You may use the Website only for lawful informational evaluation. You must not: violate law; infringe intellectual-property or other rights; harass, threaten, stalk, or discriminate; impersonate another person; submit deceptive or unauthorized information; scrape, crawl, harvest, index, or systematically extract content or data; reverse engineer or circumvent technical controls; introduce malware; conduct unauthorized security testing; interfere with operation or access; misuse credentials; violate privacy, publicity, confidentiality, or data-protection rights; use Company Content for unauthorized artificial-intelligence or model training; copy, republish, or commercially exploit Company Content; create or support a competing service; or encourage or assist another person to do so. Restrictions apply only to the maximum extent permitted by law and do not limit nonwaivable rights.

8. Conditional Accounts and Portals

If the Company offers an account or portal feature, you must provide accurate information, keep credentials confidential, use reasonable security measures, restrict access to authorized persons, and promptly notify email of suspected compromise. Accounts and access links may not be sold, shared, or transferred without permission. The Company may impose additional terms before access to a nonpublic portal; professional services accessed through a portal remain governed by the applicable separate service agreement.

9. Website Availability and Changes

The Company may modify, improve, replace, suspend, restrict, or discontinue any Website feature or content at any time. The Website may be unavailable because of maintenance, outages, security events, third-party failures, or circumstances beyond the Company’s control. The Company does not promise continuous availability, particular functionality, current pricing, or that any service or professional is available.

10. Third-Party Links, Platforms, and Referrals

The Website may link to or use third-party websites, scheduling tools, communication platforms, social networks, maps, analytics, downloads, or other resources. Third parties have separate terms and privacy practices. A link is not an endorsement, and the Company does not control or assume responsibility for third-party content, security, availability, or conduct except to the extent liability cannot lawfully be excluded. The Company may receive a referral fee, commission, advertising fee, discount, credit, or other compensation for a recommendation and will disclose material relationships as required by law. Users remain responsible for independent evaluation.

YNAB Coaching Disclosure. Taj Johnson Chiu is a YNAB Certified Coach, trained to coach individuals on the YNAB method and software. She is not an employee of YNAB. All non-YNAB opinions and recommendations are her own and do not reflect the views of YNAB or its affiliates.

11. Reviews, Testimonials, and Publicity

Testimonials and examples reflect individual experiences and do not promise similar results. Material incentives or relationships will be disclosed as required by law. Nothing prohibits an honest review or exercise of legally protected rights. The Company will not use a User’s name, logo, likeness, testimonial, quotation, or identifiable story in publicity without separate express permission. Any permitted editing must not materially change meaning.

12. Intellectual Property

12.1 Company Ownership. As between the parties, the Company and its licensors own the Website and Company Content, including service descriptions, branding, software, designs, text, graphics, downloadable resources, methodologies, frameworks, compilations, improvements, and all related intellectual-property and proprietary rights. No rights are granted except as expressly stated.

12.2 Limited License. Subject to these Terms, the Company grants you a limited, revocable, nonexclusive, nonsublicensable, nontransferable license to access and use the Website and Company Content solely for personal or internal informational evaluation. You may not remove notices, reproduce, modify, distribute, publish, sell, sublicense, publicly display, reverse engineer, build a database from, train a model on, benchmark, or use Company Content to create a competing offering except with prior written permission or as nonwaivable permitted by law.

12.3 Trademarks and Feedback. Company names, logos, and marks may not be used without prior written permission. If you voluntarily provide suggestions, ideas, or feedback, the Company may use them without restriction or compensation, provided it does not identify you or disclose confidential information without permission.

13. Copyright Complaints and DMCA Notices

A person who believes material on the Website infringes a U.S. copyright may send a notice satisfying 17 U.S.C. § 512(c)(3) to Designated Agent: Taj Johnson Chiu either via;

Postal: Ostrich & Bison LLC, 466 Foothill Blvd #129, La Cañada, CA 91011

Email: email

Where applicable, the Company may process counter-notices under 17 U.S.C. § 512(g), restore material when legally appropriate, and terminate repeat infringers. This procedure does not concede eligibility for any safe harbor.

14. Informational Content; No Advice or Reliance

Website content may be general, incomplete, inaccurate, outdated, or unsuitable for your circumstances. It is not legal, tax, accounting, investment, medical, mental-health, employment, cybersecurity, or other professional advice. The Company is not a law firm, and Taj Johnson Chiu is not an attorney. Neither coaching nor mediation is a substitute for advice from your own attorney, and the Company encourages every Client to consult one. You must not rely on it for deadlines, filings, compliance, professional duties, business decisions, diagnosis, treatment, or emergencies. Independently verify information and consult appropriately qualified advisers. For an emergency, contact 911 or the applicable emergency service. Nothing limits rights that cannot lawfully be waived.

15. No Guarantee

The Company does not guarantee any professional, business, financial, legal, regulatory, employment, health, cybersecurity, or other result; the accuracy or usefulness of content; acceptance of an inquiry; or availability of services. Pricing indications, biographies, examples, and past outcomes are illustrative and may change.

16. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE WEBSITE, COMPANY CONTENT, INQUIRY FORMS, COMMUNICATIONS, DOWNLOADS, AND THIRD-PARTY LINKS ARE PROVIDED “AS IS” AND “AS AVAILABLE.” THE COMPANY AND ITS LICENSORS AND SERVICE PROVIDERS DISCLAIM ALL EXPRESS, IMPLIED, STATUTORY, AND OTHER WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, SECURITY, QUIET ENJOYMENT, AND WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. THE COMPANY DOES NOT WARRANT UNINTERRUPTED, ERROR-FREE, SECURE, CURRENT, OR SUITABLE OPERATION; RECEIPT OR RESPONSE TO AN INQUIRY; CORRECTION OF DEFECTS; OR FREEDOM FROM HARMFUL CODE. DISCLAIMERS APPLY ONLY TO THE MAXIMUM EXTENT PERMITTED; NO NONWAIVABLE WARRANTY OR STATUTORY RIGHT IS EXCLUDED.

17. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY AND ITS OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, ENHANCED, OR PUNITIVE DAMAGES, OR LOST PROFITS, REVENUE, DATA, GOODWILL, BUSINESS OPPORTUNITY, CLIENT RELATIONSHIPS, REPUTATION, OR ANTICIPATED SAVINGS, ARISING FROM WEBSITE ACCESS OR INABILITY TO ACCESS, CONTENT, INQUIRY FORMS, COMMUNICATIONS, DOWNLOADS, THIRD-PARTY LINKS, OR SECURITY EVENTS, REGARDLESS OF THEORY AND EVEN IF ADVISED OF THE POSSIBILITY. THE COMPANY’S AGGREGATE LIABILITY ARISING FROM THE WEBSITE OR THESE TERMS WILL NOT EXCEED $1,000.00 (one-thousand dollars). These limits apply collectively to all claims and do not apply to fraud, willful misconduct, gross negligence where nonlimitable, death or personal injury where nonlimitable, or other liability that cannot lawfully be limited. If a limitation is prohibited, liability is limited to the maximum extent permitted. Nothing limits nonwaivable consumer, privacy, or statutory rights.

18. Indemnification

To the extent permitted by law, you will defend, indemnify, and hold harmless the Company and its affiliates, officers, directors, employees, contractors, licensors, service providers, and agents from third-party claims, damages, judgments, liabilities, penalties, and reasonable legal fees arising from your misuse of the Website or Company Content, User Submissions, unlawful conduct, infringement or violation of third-party rights, unauthorized disclosure of protected information, or material breach of these Terms. The Company will provide reasonably prompt notice, allow control of the defense with qualified counsel, and provide reasonable cooperation at your expense. No settlement may admit wrongdoing by, impose nonmonetary obligations on, or fail to release an indemnified party without consent. No indemnity applies to the extent caused by that party’s fraud, willful misconduct, or liability that cannot lawfully be shifted.

19. Suspension and Termination

The Company may suspend, restrict, or terminate Website or account access for breach, abuse, threats, unlawful conduct, infringement, security risk, interference, or other conduct that reasonably risks harm. Immediate action may be taken where delay could cause harm or legal exposure. Upon termination, the limited license ends and you must stop using Company Content except as nonwaivably permitted by law. Provisions that by nature should survive will survive, including ownership, licenses concerning User Submissions, disclaimers, limitations, indemnification, dispute resolution, governing law, and general provisions.

20. Export Controls, Sanctions, and Anti-Bribery

Users must comply with applicable U.S. export-control, trade, sanctions, and anti-corruption laws. No person may access or use the Website where prohibited or in a manner requiring authorization not obtained. No User may offer, authorize, solicit, or accept an unlawful bribe, kickback, or improper payment in connection with the Website or an inquiry.

21. Dispute Resolution

21.1 Informal Resolution. Before filing a lawsuit, a party must send written notice describing the dispute, requested relief, and supporting information to Ostrich & Bison LLC, 466 Foothill Blvd #129, La Cañada, CA 91011. The parties will attempt good-faith resolution for 30 (thirty) days. This does not bar eligible small-claims actions, emergency relief, or steps needed to preserve a claim.

21.2 Courts. If informal resolution does not resolve a dispute within that period, it must be brought exclusively in the state courts in Los Angeles County, California, or the federal court with jurisdiction there. Each party consents to jurisdiction and venue there. Eligible small-claims actions and temporary or emergency injunctive relief may be brought in any court of competent jurisdiction.

21.3 Nothing prevents reporting to, cooperating with, or filing a charge before a governmental or professional authority where that right cannot be waived. A party may seek emergency equitable relief to protect intellectual property, security, safety, or other rights for which monetary relief is inadequate.

22. Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict-of-laws rules. This choice does not deprive a protected person of nonwaivable rights under otherwise applicable law. The Company does not represent that the Website is appropriate or lawful in every jurisdiction.

23. Changes to Terms

The Company may revise these Terms prospectively. The updated version will identify its effective or last-updated date. The Company will provide legally sufficient notice of material changes through email, an account notice, or a prominent Website notice at least 30 (thirty) days in advance when required. Continued use constitutes acceptance only where lawful; affirmative consent will be obtained where required. Changes do not apply retroactively unless agreed or required by law.

24. Notices

Legal notices must be sent to the contact information in Section 29 and, if to a User, to the most recent contact information provided. Notice is effective on confirmed personal delivery; on confirmed email transmission absent a failure message; one business day after deposit with a nationally recognized overnight courier; or three business days after deposit in U.S. certified mail, return receipt requested.

25. Assignment and Relationship.

You may not assign these Terms without the Company’s prior written consent. The Company may assign them in connection with a merger, reorganization, financing, asset sale, or transfer of the relevant business, subject to law. An impermissible assignment is void. The parties are independent contractors; no employment, partnership, agency, franchise, fiduciary, joint venture, or third-party-beneficiary relationship is created.

26. Waiver; Severability.

A waiver must be in writing and applies only to the stated instance. Failure to enforce is not a continuing waiver. If a provision is invalid or unenforceable, it will be enforced to the maximum lawful extent or reformed to reflect its lawful purpose, and the remainder will remain effective.

27. Entire Agreement.

These Terms and incorporated documents are the entire agreement concerning public Website use and supersede prior or contemporaneous representations on that subject. They do not govern professional services under a separate service agreement. Fraud and rights that cannot lawfully be waived are not excluded.

28. Interpretation. Headings are for convenience. “Including” means “including without limitation”; “or” is inclusive unless context requires otherwise; and singular and plural include each other. No presumption against a drafter applies merely because one party prepared the document. The English version controls to the extent permitted by law unless the Company designates another version.

29. Contact Information:

Ostrich & Bison LLC

466 Foothill Blvd #129, La Cañada, CA 91011

email

626-517-7956