Cao Corp and Associates, DBA CAO CNA
These terms govern your use of caocna.com and any services provided by CNA Bookkeeping, a trading name of Cao Corp and Associates, DBA CAO CNA ("we", "us", "our"). By using this website or engaging our services, you agree to them.
We provide bookkeeping and back-office services to insurance agencies, including full-cycle bookkeeping, carrier commission reconciliation, producer compensation schedules, premium trust account reconciliation, and management reporting.
We are a bookkeeping practice. We do not provide audit, review or attest services, tax preparation or tax advice, legal advice, regulatory compliance opinions, or securities or insurance advice.
You remain responsible for the accuracy and completeness of the records you give us, for your own regulatory and tax obligations, and for decisions you make based on our work. We recommend you consult your attorney or CPA on matters within their professions.
The specific scope, fees, term and deliverables of any work are set out in a separate written engagement agreement. Where an engagement agreement conflicts with these terms, the engagement agreement controls for that engagement.
The Books Health Check is a limited review of the records you provide, delivered as a written findings document. It is not an audit and carries the limitations described above. It creates no ongoing obligation on either side, and the findings document is yours to keep.
We treat your records and business information as confidential and will not disclose them except as described in our Privacy Policy, at your written direction, or where required by law. We ask that you treat our working documents, templates and methods as confidential in return.
Fees are set in the engagement agreement. Monthly engagements are billed in advance unless agreed otherwise. Work may be paused on materially overdue accounts after notice.
If you provide a mobile number and consent, we may text you about appointments and your engagement. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help. Mobile carriers are not liable for delayed or undelivered messages. Mobile information is not shared with third parties or affiliates for marketing purposes. See our Privacy Policy for full detail.
Content on this site is provided for general information about our services. It is not advice, and figures shown in examples are illustrative rather than actual client data. We may change the site at any time.
The content, design and working methods on this site and in our deliverables belong to us. Deliverables prepared for you under an engagement are yours to use for your own business purposes.
To the extent permitted by law, our total liability arising out of or relating to any engagement is limited to the fees you paid us for that engagement in the twelve months preceding the claim. We are not liable for indirect, incidental, consequential or punitive damages, or for lost profits, even if advised of the possibility. Nothing in these terms limits liability that cannot be limited by law.
Either party may end an engagement in accordance with the engagement agreement, or on reasonable written notice where none is specified. On termination we will return or make available your records.
These terms are governed by the laws of the State of Delaware, without regard to its conflict of law rules. Any dispute will be brought in the state or federal courts located in Delaware, and both parties consent to that jurisdiction.
We may update these terms and will change the effective date above when we do. Continued use of the site or our services after a change means you accept the updated terms.