Terms of use
Effective November 6, 2026. By using pannifer.com you agree to these terms. If you do not agree, please do not use the site.
Information only
The content of this site is general information about our services. It is not legal, tax, accounting, financial, or other professional advice, and it does not create a client relationship. An engagement begins only when both parties sign a written agreement.
Estimates are not promises
The hours calculator and any figures on this site are estimates based on the numbers you enter and on assumptions we describe on the page. Actual results depend on your work, your people, and your systems. Prices shown are starting points; the fee for any engagement is set in a written proposal.
Research and examples
We cite third-party research with links to its sources. Examples of past work are described without identifying the organization and may be simplified.
Our content
The text, design, logo, and other materials on this site belong to Pannifer LLC. You may share links to the site and quote short passages with attribution. Please do not copy or reuse the site's materials for other purposes without our permission.
Your submissions
Please do not send client names or confidential information through the forms. Our privacy policy explains how we handle what you send.
Links
Links to other websites are provided for convenience. We are not responsible for their content or practices.
Disclaimer and limitation of liability
The site is provided "as is" without warranties of any kind. To the extent the law allows, Pannifer LLC is not liable for any indirect, incidental, or consequential damages arising from use of the site, and our total liability for any claim relating to the site is limited to one hundred dollars.
Governing law
These terms are governed by the laws of the State of California, without regard to its conflict-of-law rules. Any dispute relating to the site will be brought in the state or federal courts located in San Diego County, California.
Changes
We may update these terms by posting a new version here with a new effective date.