Terms of Service

Last Updated: May 11, 2026

Welcome to Life O'Reilly LLC, publically represented through our brand "On Fire Mountain Business Consulting".
These Terms of Service (“Terms”) govern your access to and use of our consulting and advisory services (collectively, the “Services”).

By requesting, purchasing, scheduling, or using our Services, you agree to be bound by these Terms. If you do not agree, do not use the Services.

We provide Business Consulting and Advisory Services in Business Strategy, Finance Programs, Lending, and Business Planning. Services may include meetings, assessments, recommendations, reports, training, and deliverables as agreed in writing (email, proposal, agreement, or “SOW”).

Unless expressly stated otherwise in writing, our Services do not include:

• Legal, tax, accounting, investment, or medical advice
• Implementation, operational management, or regulatory filings
• Guarantees of outcomes, financing, revenue, or specific results

You are responsible for how you choose to use our recommendations.

Specific engagements may be defined as a transaction, span of time or deliverable, and outlined by one or more written proposals, written agreements, or SOWs that describe:

• Project scope and assumptions
• Fees and payment schedules
• Milestones and deliverables
• Timeline and responsibilities

If there is a conflict between these Terms and an SOW, the SOW controls for that engagement.

To enable us to perform effectively, you agree to:

• Provide accurate, complete, and timely information
• Designate a primary point of contact
• Make decisions and approvals promptly
• Ensure any third-party permissions are obtained

We are not responsible for delays, added costs, or incomplete results caused by inaccurate or missing information, delayed approvals or inaction.

Unless otherwise stated in an SOW or agreed in advance:

• Fees may be hourly, project-based, transaction or retainer-based
• Invoices are due upon receipt
• Late payments may incur an added service charge
• We may suspend work for unpaid balances

Deposits and retainers may be non-refundable unless required by law or otherwise state or agreed to in writing. Client is responsible for applicable taxes, excluding our income taxes.

From time to time, reasonable, pre-approved out-of-pocket expenses (e.g., travel, materials, data tools) may need to be reimbursed. Receipts will be provided upon request.

Both parties agree to keep each other’s non-public information confidential and use it only to perform needed activities of the engagement.

Confidentiality does not apply to information that is:

• Already public
• Independently developed
• Obtained lawfully from another source
• Required to be disclosed by law or court order

We retain ownership of all methodologies, templates, tools, know-how, and pre-existing materials. Unless otherwise stated in writing, you receive a non-exclusive, non-transferable license to use deliverables internally for your business. You may not resell, publish, or distribute our materials without permission. We may use anonymized learnings to improve our Services.

You acknowledge and agree:

• Consulting is advisory, outcomes depend on factors beyond our control
• We do not warrant specific business results, revenue, valuation, approvals, or financing
• Any projections or estimates are illustrative only

We may collect information in the following categories, either directly or through visits to our web site:

• Name and contact details (email, phone, address)
• Business name and professional details
• Financial or operational information shared for consulting purposes
• Documents you upload or send to us
• Communications and meeting notes
• Billing and payment details (processed through secure third-party providers)
• IP address and device identifiers
• Browser type and operating system
• Pages viewed and referring URLs
• Time and date of visits

We only collect what is reasonably necessary to provide and improve our Services, which may include information in the following categories:

• Referral partners, Public databases, Professional networks, and Service providers assisting our operations

We may use collected personal information to:

• Provide and manage consulting services
• Communicate with you about projects, proposals, and updates
• Prepare analyses, recommendations, and reports
• Process payments and manage invoices
• Improve our services and website
• Meet legal, regulatory, and contractual obligations
• Protect against fraud, misuse, or security threats
• Maintain internal business records

We do not sell personal information.

 We may share information with:

• Trusted service providers (IT, CRM, accounting, payment processors, secure storage)
• Professional advisors (legal, tax, compliance, as needed)
• Partners or subcontractors engaged to support your project
• Government authorities when legally required
• Other parties with your explicit consent

All third parties are required to protect your information and use it only for authorized purposes.

Information shared during consulting engagements is treated as confidential. We will not disclose proprietary business details except where:

• Required by law or court order
• Necessary to protect our rights or prevent wrongdoing
• Authorized by you in writing

Non-disclosure agreements can be executed upon request.

We use administrative, technical, and physical safeguards to protect information, including:

• Encrypted storage where appropriate
• Access controls and confidentiality practices
• Secure data transfer methods

However, no system is 100% secure. We cannot guarantee absolute security.

We may use cookies and similar technologies to:

• Enable website functionality
• Analyze website traffic and performance
• Improve user experience

You can manage cookies through your browser settings, disabling cookies may affect site functionality.

We retain personal information only as long as necessary to:

• Provide our services
• Meet legal, accounting, and reporting obligations
• Resolve disputes

When no longer needed, data is securely deleted or anonymized.

We may recommend third-party products, services, or professionals as a convenience, but are not responsible for their performance, terms, or privacy practices. Use them at your own discretion.

Depending on applicable laws (such as GDPR, CCPA, or other privacy regulations), you may have rights to:

• Access your personal data
• Correct inaccurate information
• Request deletion
• Restrict or object to processing
• Request a copy (data portability)
• Withdraw consent (where applicable)

To exercise these rights, contact us at: gregory@lifeoreillyllc.com. We may need to verify your identity before processing requests.

Our services are not directed to children, and we do not knowingly collect their information.

We will make a sincere, concerted, and genuine best effort in accomplishing the activities and objectives we may outline and perform on behalf of a consulting engagement, and make no guarantees as to the result. 

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, DATA, OR GOODWILL
• OUR TOTAL LIABILITY FOR ANY CLAIM RELATED TO THE SERVICES SHALL NOT EXCEED THE FEES PAID TO US FOR THE SPECIFIC ENGAGEMENT DURING THE 12 MONTHS BEFORE THE EVENT

Some jurisdictions may limit these exclusions, so they may not apply to you.

You agree to indemnify and hold harmless the Company and our personnel from claims, losses, and expenses arising from:

• Your use of the Services or deliverables
• Your breach of these Terms
• Your violation of applicable laws or third-party rights

Either party may terminate an engagement on written notice (subject to any SOW terms).

Upon termination:

• All unpaid fees and expenses become due, and sections intended to survive (including Confidentiality, Intellectual Property, Disclaimers, Liability, and Indemnification) remain in effect.

These Terms are governed by the laws of California, without regard to conflict rules. Disputes will be resolved by binding arbitration / courts in San Diego, California, unless prohibited by law. To the fullest extent permitted, both parties waive class actions.

We may update these Terms periodically. The “Last Updated” date will reflect changes, and continued use of the Services constitutes acceptance of the revised Terms.