About Us
About Hemlock Financial Group
At Hemlock Financial, we are committed to helping clients keep more of their hard-earned money and build lasting wealth. As a comprehensive financial services firm, we specialize in offering expert tax planning, CFO services, and real estate advisory to ambitious business owners, high-net-worth individuals, and real estate investors.
Founded on the core values of honesty, integrity, and professionalism, Hemlock Financial ensures transparency and ethical business practices in every client interaction. Our team of skilled financial professionals is dedicated to understanding each client’s unique needs and delivering tailored solutions that support their financial growth and success.
We pride ourselves on being more than just advisors – we are trusted partners in our clients’ journey to financial excellence. By leveraging cutting-edge technology and personalized services, we empower our clients to make informed decisions that secure their financial future and create lasting legacies.
At Hemlock Financial, your success is our priority. Whether you’re looking to optimize your tax strategy, enhance your business’s financial infrastructure, or manage your wealth more effectively, we are here to provide the guidance and expertise you need to thrive.
Our mission
“To help clients keep more of their hard-earned money and build wealth by providing comprehensive, client-focused financial services.”
Our Vision
“To be the trusted advisor for ambitious business owners and high-net-worth individuals by leveraging technology and expert account managers to deliver superior financial services.”
Frequently Asked Questions
108 E Main St., Suite 220
Kingsport, TN 37660
Website: www.hemlockfinancialgroup.com
Effective Date: 06/23/2025
Last Updated: 06/23/2025
1. Introduction
entrust to us and are committed to maintaining the highest standards of privacy protection in compliance with applicable professional and regulatory standards.
2. Information We Collect
We may collect the following personal information that you voluntarily provide to us:
–Contact Information: Name, email address, phone number, mailing address
–Payment Information: Basic payment processing information (processed by third-partyvendors, not stored on our systems)
–Communication Data: Information you provide through contact forms, newsletter signups, customer service interactions, and any other communications
–Additional Information: Any other information you choose to provide to us through our website or services
2.2 Information Collected Automatically
When you visit our website, we may automatically collect certain information, including:
–Technical Data: IP address, browser type and version, operating system, device information
2.3 Information from Third Parties
We may receive information about you from third-party service providers, business partners, or publicly available sources to enhance our services and verify information you provide.
3. How We Use Your Information
We use your personal information for the following purposes:
–Service Provision: To provide, maintain, and improve our financial services
–Communication: To respond to your inquiries, send service-related communications, and provide customer support
–Marketing: To create personalized offers, refine advertising campaigns, and send newsletters (with your consent)
–Business Operations: To process transactions, manage client relationships, and maintain our CRM system
–Legal Compliance: To comply with applicable laws, regulations, and industry standards
–Security: To protect against fraud, unauthorized access, and other security threats
–Website Improvement: To analyze website usage and improve user experience
4. Legal Basis for Processing (For EU Visitors)
If you are located in the European Union, our legal basis for processing your personal information includes:
–Consent: When you have given clear consent for specific processing activities
–Contract Performance: When processing is necessary for performing our services
–Legal Obligation: When we must process data to comply with legal requirements
–Legitimate Interests: When we have legitimate business interests that do not override your privacy rights
5. Information Sharing and Disclosure
We may share your personal information in the following circumstances:
5.1 Service Providers
We may share information with trusted third-party service providers who assist us in operating our website, conducting business, or providing services to you. These providers are bound by confidentiality agreements and are only authorized to use your information as necessary to provide services to us.
5.2 Business Transfers
In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction. We will notify you of any such change in ownership or control.
5.3 Legal and Professional Requirements
We may disclose your information when required by law, regulation, legal process, or governmental request, or when we believe disclosure is necessary to:
–Comply with applicable laws or respond to valid legal processes
–Meet professional obligations and standards as a CPA firm
–Protect our rights, property, or safety, or that of our clients or the public
–Investigate potential violations of our terms of service
5.4 Consent
We may share your information with your explicit consent for specific purposes not covered in
this policy.
6. Cookies and Tracking Technologies
–Remember your preferences and settings
–Analyze website traffic and user behavior
–Provide personalized content and advertisements
–Improve website functionality and user experience
You can control cookie settings through your browser preferences. However, disabling cookies may limit certain website functionality.
7. Data Security
We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:
–Encryption of sensitive data in transit and at rest
–Regular security assessments and updates
–Access controls and authentication procedures
–Employee training on data protection practices
8. Data Retention
We retain your personal information only as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. Specific retention periods may vary based on:
–The type of information collected
–The purpose for which it was collected
–Legal and regulatory requirements
–Business operational needs
Professional records may be retained for extended periods as required by applicable accounting profession standards and regulations.
9. Your Privacy Rights
Depending on your location, you may have the following rights regarding your personal information:
9.1 General Rights
–Access: Request access to your personal information we hold
–Correction: Request correction of inaccurate or incomplete information
–Deletion: Request deletion of your personal information (subject to legal obligations)
–Portability: Request transfer of your information to another service provider
–Objection: Object to certain processing activities
–Restriction: Request restriction of processing under certain circumstances
9.2 Marketing Communications
You may opt out of marketing communications at any time by:
–Clicking the unsubscribe link in our emails
–Contacting us directly using the information provided below
–Updating your preferences in your account settings (when available)
9.3 Exercising Your Rights
To exercise these rights, please contact us using the information provided in the “Contact Us” section. We will review your request and respond within the timeframe required by applicable law. Please note that certain requests may be subject to verification procedures to protect your privacy and security.
10. Children’s Privacy
11. International Data Transfers
12. Third-Party Links and Services
Our website may contain links to third-party websites or services. This Privacy Policy does not apply to those third-party sites. We encourage you to review the privacy policies of any third-party sites you visit.
13. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of material changes by:
–Posting the updated policy on our website
–Sending email notifications to registered users
–Providing notice through other communication channels as appropriate
Your continued use of our services after any changes constitutes acceptance of the updated Privacy Policy.
14. California Privacy Rights (CCPA)
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):
–Right to Know: You can request information about the categories and specific pieces of personal information we collect
–Right to Delete: You can request deletion of your personal information
–Right to Opt-Out: You can opt out of the sale of personal information (we do not currently sell personal information)
15. Professional Standards Compliance
As a certified public accounting firm, we comply with applicable professional standards and regulations, including but not limited to requirements from state boards of accountancy, the American Institute of Certified Public Accountants (AICPA), and other relevant professional bodies. This includes additional protections and procedures for handling confidential client information in accordance with professional ethics and standards.
16. Contact Us
If you have questions about this Privacy Policy, wish to exercise your privacy rights, or need to report a privacy concern, please contact us:
Hemlock Financial Group
108 E Main St., Suite 220
Kingsport, TN 37660
Email: info@hemlockfg.com
Phone: (833) 424-9829
For privacy-related inquiries, please include “Privacy Policy” in the subject line of your communication.
This Privacy Policy is effective as of the date listed above and governs our collection, use, and disclosure of your personal information from that date forward.
Hemlock Financial Group
108 E Main St., Suite 220
Kingsport, TN 37660
Website: www.hemlockfinancialgroup.com
Effective Date: 06/23/2025
Last Updated: 06/23/2025
1. Acceptance of Terms
By accessing and using the Hemlock Financial Group website (www.hemlockfinancialgroup.com), scheduling appointments, downloading materials, subscribing to our newsletter, or engaging with our services, you agree to be bound by these Terms and Conditions (“Terms”). If you do not agree to these Terms, please do not use our website or services.
2. About Hemlock Financial Group
Hemlock Financial Group is a certified public accounting firm providing tax planning, accounting services, tax preparation, business consulting, estate tax preparation, business exit planning, business valuations, and related professional services. We are licensed to practice in Tennessee and serve clients primarily in the United States who have U.S. tax obligations, estates, or business interests.
3. Website Use and Restrictions
3.1 Permitted Use
You may use our website for lawful purposes related to learning about our services, scheduling appointments, downloading authorized materials, subscribing to our newsletter, and accessing informational content we provide.
3.2 Prohibited Activities
You may not:
- Copy, reproduce, distribute, or create derivative works from our website content without written permission
- Use our website for any unlawful purpose or to solicit unlawful activity
- Attempt to gain unauthorized access to our systems or networks
- Upload or transmit viruses, malware, or other harmful code
- Engage in spam, harassment, or other disruptive behavior
- Use our website content for commercial purposes without authorization
- Impersonate Hemlock Financial Group or misrepresent your affiliation with us
- Interfere with the proper functioning of our website
3.3 Content Sharing
While you may not copy our content, you are welcome to share links to our website and specific pages. We encourage appropriate sharing that directs people to our original content.
4. Professional Services Disclaimer
4.1 Informational Purposes Only
IMPORTANT: All content on this website is provided for informational and educational purposes only. Nothing on this website constitutes:
- Legal advice for your specific situation
- Tax advice specific to your individual circumstances
- Professional recommendations for your particular needs
- A substitute for personalized professional consultation
4.2 No Attorney-Client or Accountant-Client Relationship
Use of this website, downloading materials, or subscribing to our newsletter does not create an attorney-client, accountant-client, or any other professional relationship between you and Hemlock Financial Group. Such relationships are established only through separate, written engagement agreements.
4.3 Tax Law and Regulatory Changes
Tax laws, regulations, and interpretations change frequently. While we strive to keep our content current, we cannot guarantee that all information reflects the most recent changes. Always consult with a qualified professional for current, specific advice.
4.4 Estate Planning and Business Valuation Disclaimer
Estate planning and business valuation involve complex legal and financial considerations that vary significantly based on individual circumstances. Our general information cannot address the specific factors that may apply to your situation.
4.5 No Guarantee of Results
We make no warranties or guarantees about the outcomes of any professional services. Each client’s situation is unique, and results will vary based on individual circumstances.
5. Digital Products and Downloads
5.1 Free Downloads
We may offer free educational materials, guides, checklists, and other resources. By downloading these materials, you agree that:
- Materials are for your personal or business use only
- You may not redistribute, resell, or republish the materials
- You may not remove our copyright or attribution notices
- We retain all intellectual property rights in the materials
5.2 Paid Digital Products
When available, paid digital products are subject to the payment terms outlined in Section 7. All sales are final unless otherwise specified in the product description.
5.3 License Grant
We grant you a limited, non-exclusive, non-transferable license to use downloaded materials for their intended purpose. This license does not permit commercial use or redistribution.
6. Newsletter Subscription
6.1 Subscription Terms
Our newsletter subscription may be offered as a free or paid service. Subscription details, including pricing and frequency, will be clearly disclosed at the time of signup.
6.2 Free Newsletter
Our free newsletter may be canceled at any time by following the unsubscribe instructions in any newsletter email.
6.3 Paid Newsletter
- Paid newsletter subscriptions may be canceled within 30 days of initial subscription for a full refund
- After the 30-day period, subscriptions may be canceled at any time but are not eligible for refund
- Refunds will be processed through the original payment method within 5-10 business days
- Subscribers will retain access to newsletter content through the end of their paid period
6.4 Content Rights
Newsletter content is proprietary and confidential. Subscribers may not share, forward, or redistribute newsletter content without written permission.
7. Appointment Booking and Professional Services
7.1 Appointment Scheduling
You may schedule appointments through our website booking system. Appointments are confirmed upon our acceptance and may be subject to availability.
7.2 Missed Appointments
- If you miss a scheduled appointment, we will attempt to reschedule once
- Repeated missed appointments may result in termination of the scheduling privilege
- We reserve the right to charge for appointments missed without reasonable notice
7.3 Professional Service Engagements
Actual professional services require separate written engagement agreements that will specify:
- Scope of services
- Fee arrangements
- Professional responsibilities
- Client obligations
- Confidentiality provisions
7.4 Service Limitations
We provide services primarily to clients with U.S. tax obligations, estates, or business interests. We may decline engagements outside our areas of expertise or geographic focus.
8. Payment Terms
8.1 Payment Processing
Payments are currently processed through Stripe, though we reserve the right to use different payment processors in the future. You agree to provide accurate payment information and authorize us to charge your payment method for applicable fees.
8.2 Payment for Professional Services
Professional service fees are governed by separate engagement agreements. Generally:
- Payment terms will be specified in each engagement agreement
- Missed payments may result in termination of the service engagement
- We reserve the right to charge interest on overdue amounts as permitted by law
8.3 Website-Related Payments
For newsletter subscriptions and digital products purchased through the website:
- Payment is due at the time of purchase
- We accept major credit cards and other payment methods as available
- All prices are in U.S. dollars
9. Client Confidentiality and Professional Privilege
9.1 Confidentiality Commitment
We are committed to maintaining the confidentiality of client information in accordance with professional standards and applicable law.
9.2 Professional Privilege
Communications with our firm may be protected by accountant-client privilege, attorney-client privilege (where applicable), or other professional privileges as provided by law.
9.3 Website Communications
Please note that communications through our website (contact forms, email) may not be secure. For confidential matters, we recommend using our secure client portal or speaking with us directly.
10. Intellectual Property Rights
10.1 Our Content
All content on our website, including text, graphics, logos, images, videos, and software, is owned by or licensed to Hemlock Financial Group and is protected by copyright, trademark, and other intellectual property laws.
10.2 Trademarks
“Hemlock Financial Group” and our logos are trademarks of our firm. You may not use our trademarks without written permission.
10.3 User Content
If you submit content to our website (such as blog comments when available), you grant us a non-exclusive license to use, modify, and display that content in connection with our services.
11. Third-Party Services and Links
11.1 Payment Processors
We use third-party payment processing services. Your payment information is subject to the privacy policies and terms of these processors.
11.2 External Links
Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of these external sites.
11.3 Future Integrations
We may integrate additional third-party services (scheduling tools, document platforms, etc.) in the future. We will update these Terms as necessary to reflect such changes.
12. Limitation of Liability
12.1 Website Use
TO THE MAXIMUM EXTENT PERMITTED BY LAW, HEMLOCK FINANCIAL GROUP SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OUR WEBSITE OR SERVICES.
12.2 Professional Services
Liability for professional services is governed by separate engagement agreements and applicable professional standards.
12.3 Maximum Liability
Except as required by law or professional regulations, our total liability for any claim related to website use shall not exceed the amount you paid us in the twelve months preceding the claim.
13. Dispute Resolution
13.1 Arbitration
Most disputes arising from these Terms or use of our website shall be resolved through binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules.
13.2 Court Rights Preserved
Notwithstanding the arbitration requirement, either party may:
- Seek injunctive relief in court to protect intellectual property rights
- Pursue small claims court remedies
- Exercise other legal rights as permitted by law
13.3 Location
Arbitration proceedings shall take place in Kingsport, Tennessee, or another location mutually agreed upon by the parties.
13.4 Professional Services Disputes
Disputes related to professional services may be subject to different dispute resolution procedures as specified in engagement agreements or required by professional regulations.
14. Governing Law
These Terms are governed by the laws of the State of Tennessee and the United States, without regard to conflict of law principles.
15. Modifications to Terms
15.1 Right to Modify
We reserve the right to modify these Terms at any time. Changes will be effective upon posting to our website with an updated “Last Updated” date.
15.2 Notice of Changes
For material changes, we will provide reasonable notice through our website or email notifications to newsletter subscribers.
15.3 Continued Use
Your continued use of our website after changes are posted constitutes acceptance of the modified Terms.
16. Termination
16.1 Termination by You
You may stop using our website and services at any time. To cancel newsletter subscriptions, follow the instructions provided in our emails or contact us directly.
16.2 Termination by Us
We may terminate or restrict your access to our website if you violate these Terms or engage in conduct that we determine is harmful to our business or other users.
16.3 Effect of Termination
Upon termination, your right to use our website ceases immediately. Provisions that by their nature should survive (confidentiality, limitation of liability, governing law) will continue in effect.
17. Accessibility and Technical Requirements
17.1 Accessibility
We strive to make our website accessible to users with disabilities. If you encounter accessibility issues, please contact us for assistance.
17.2 Technical Requirements
Our website requires a modern web browser and internet connection. We are not responsible for technical issues resulting from outdated software or connectivity problems.
18. Professional Standards Compliance
18.1 Professional Obligations
As a CPA firm, we are subject to professional standards and regulations that govern our conduct and client relationships.
18.2 Regulatory Compliance
We comply with applicable professional standards from the American Institute of Certified Public Accountants (AICPA), state boards of accountancy, and other relevant regulatory bodies.
18.3 Independence Requirements
Professional independence requirements may limit our ability to provide certain services to some clients. We will advise you of any such limitations during the engagement process.
19. Miscellaneous Provisions
19.1 Entire Agreement
These Terms, together with our Privacy Policy and any applicable engagement agreements, constitute the entire agreement between you and Hemlock Financial Group regarding use of our website.
19.2 Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
19.3 Waiver
Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision.
19.4 Assignment
You may not assign your rights under these Terms without our written consent. We may assign our rights to any successor or affiliate.
19.5 Force Majeure
We are not liable for any failure to perform our obligations due to circumstances beyond our reasonable control, including natural disasters, government actions, or technical failures.
20. Contact Information
If you have questions about these Terms and Conditions, please contact us:
Hemlock Financial Group
108 E Main St., Suite 220
Kingsport, TN 37660
Email: info@hemlockfg.com
Phone: (833) 424-9829
For legal or professional matters, please include “Terms and Conditions” in the subject line of your communication.
These Terms and Conditions are effective as of the date listed above and govern your use of our website and services from that date forward.