Terms of Service
Effective Date: August 25, 2026
These Terms of Service (“Terms”) govern your access to and use of the O’Toole Consulting LLC website and services. By accessing this website, submitting a consultation request, engaging O’Toole Consulting LLC (“O’Toole Consulting,” “we,” “us,” or “our”) for services, or otherwise using our services, you acknowledge that you have read, understood, and agree to these Terms. If you do not agree with these Terms, please do not use this website or our services.
1. Services
O’Toole Consulting LLC provides professional consulting and related services, which may include property damage investigations, building and construction consulting, insurance claim consulting, claim analysis and review, property inspections, drone inspections, estimating and cost analysis, appraisal-related services, documentation and reporting, litigation support, and other services agreed upon in writing. The specific scope of services, deliverables, fees, and limitations applicable to a particular project may be established through a written proposal, agreement, engagement letter, estimate, or other written communication.
2. Consultation Does Not Automatically Create an Engagement
Submitting a consultation request through our website does not automatically establish a client relationship or guarantee that O’Toole Consulting will accept or perform the requested work. An engagement is established only when O’Toole Consulting and the client agree to the applicable scope of work, fees, terms, and other requirements.
3. Fees and Payment
Fees will be communicated to the client before services are performed whenever reasonably practicable. Depending on the project, fees may be based on a flat fee, hourly rate, inspection fee, project fee, retainer, or another agreed-upon arrangement. The client is responsible for payment of all agreed fees and approved expenses. Failure to make required payments may result in suspension or termination of services.
4. Consultation and Estimates
Any preliminary consultation, estimate, budget, proposal, or discussion regarding potential services is provided for planning purposes unless expressly identified as a final agreement. Actual project costs may vary depending on the scope of work, project conditions, documents provided, additional investigation, travel, third-party services, or other circumstances.
5. Client Responsibilities
Clients are responsible for providing accurate and complete information reasonably necessary for O’Toole Consulting to perform its services. Clients must provide reasonable access to the property, documents, photographs, records, and other materials required for the agreed scope of work. O’Toole Consulting is not responsible for delays, inaccuracies, or limitations resulting from incomplete, inaccurate, misleading, or unavailable information supplied by the client or third parties.
6. Reports, Opinions, and Professional Judgment
Reports, estimates, opinions, observations, photographs, measurements, and other deliverables are prepared based on the information and conditions reasonably available to O’Toole Consulting at the time of the assignment. Unless expressly stated otherwise, our services do not constitute a guarantee of the outcome of an insurance claim, lawsuit, appraisal, construction project, or other matter. Our opinions may change if additional information or evidence becomes available.
7. No Guarantee of Insurance Coverage or Claim Outcome
O’Toole Consulting does not guarantee that an insurance company will approve, deny, modify, or pay a particular claim or amount. Insurance coverage decisions are made by the applicable insurance carrier and are governed by the applicable insurance policy and applicable law. Our services may assist in evaluating, documenting, analyzing, or presenting information concerning a claim, but we cannot guarantee a particular claim result.
8. Legal Matters
O’Toole Consulting may provide consulting or litigation-support services when engaged to do so. Unless separately stated in writing, O’Toole Consulting is not acting as the client’s attorney and does not provide legal advice or establish an attorney-client relationship. Clients should consult qualified legal counsel regarding legal questions, rights, obligations, litigation strategy, or interpretation of applicable law.
9. Drone Inspections
Drone inspections may be subject to weather conditions, airspace restrictions, property access, safety requirements, governmental regulations, and other limitations. If a drone inspection cannot safely or legally be completed, O’Toole Consulting may reschedule, modify, or cancel that portion of the service. Drone imagery and observations are subject to the limitations of the equipment, environmental conditions, accessibility, and available vantage points.
10. Third-Party Information
O’Toole Consulting may rely upon information, records, estimates, photographs, reports, measurements, or other materials provided by clients or third parties. We do not guarantee the accuracy or completeness of information supplied by third parties unless expressly agreed otherwise.
11. Intellectual Property
Unless otherwise agreed in writing, O’Toole Consulting retains ownership of its proprietary methodologies, templates, processes, systems, forms, branding, website content, and other intellectual property. Client-specific reports and deliverables may be used by the client for the purpose for which they were prepared, subject to any additional written restrictions or agreements. No portion of the O’Toole Consulting website may be copied, reproduced, distributed, modified, or commercially exploited without written permission.
12. Confidentiality
O’Toole Consulting will use reasonable measures to protect confidential information provided in connection with an engagement. Confidentiality obligations may be further defined by a separate agreement, engagement letter, nondisclosure agreement, applicable law, or other written agreement. Information that is publicly available, independently obtained, already known, or required to be disclosed by law may not be considered confidential.
13. Limitation of Liability
To the fullest extent permitted by applicable law, O’Toole Consulting LLC shall not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages arising from or related to the use of our website or services. To the extent permitted by law, O’Toole Consulting’s total liability arising from a particular engagement shall not exceed the amount actually paid to O’Toole Consulting for the specific services giving rise to the claim, unless otherwise required by applicable law or agreed in writing. Nothing in these Terms is intended to exclude or limit liability that cannot legally be excluded or limited.
14. No Warranty
Our website and information provided through it are provided on an “as available” basis. We do not warrant that the website will always be available, uninterrupted, error-free, or free from harmful components.
15. Cancellation and Termination
Either party may terminate an engagement in accordance with the applicable written agreement. If a client cancels a project after services have begun, the client may remain responsible for fees and expenses incurred before cancellation. Any project-specific cancellation, refund, or termination terms contained in a written agreement will control over these general Terms to the extent of a conflict.
16. No Refunds
Unless otherwise required by applicable law or expressly agreed to in writing, fees paid for services that have already been performed, work initiated, inspections conducted, reports prepared, travel completed, or other costs incurred on behalf of a client are non-refundable. Any refund or cancellation terms applicable to a specific project will be communicated to the client before engagement when reasonably practicable.
17. Website Use
You agree not to use the website for unlawful purposes, attempt to gain unauthorized access to the website or its systems, interfere with website functionality, submit fraudulent or misleading information, use website content for unauthorized commercial purposes, or introduce malicious code or harmful material.
18. Third-Party Services and Links
Our website may contain links to third-party websites, applications, or services. O’Toole Consulting does not control and is not responsible for third-party services, content, availability, security, or privacy practices.
19. Changes to These Terms
We may update these Terms from time to time. Updated Terms become effective when posted on the website unless otherwise stated. Your continued use of the website or services after changes are posted constitutes acceptance of the updated Terms to the extent permitted by law.
20. Governing Law
These Terms shall be governed by and interpreted in accordance with the laws applicable in the State of Oklahoma, without regard to conflict-of-law principles, unless a separate written agreement provides otherwise or applicable law requires a different jurisdiction.
21. Severability
If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will remain in full force and effect to the extent permitted by law.
22. Entire Agreement
These Terms, together with any applicable proposal, engagement agreement, scope of work, invoice, or other written agreement between O’Toole Consulting and the client, constitute the applicable agreement concerning the services. Where a project-specific written agreement conflicts with these Terms, the project-specific agreement will control to the extent of the conflict.
23. Contact Us
O’Toole Consulting LLC
Email: Nathan.OtooleConsulting@hotmail.com
Phone: (405) 697-8402
Website: https://www.ottoolconsulting.com/