Last Updated: 9 February, 2026
Welcome to Backman Writing Services. These Terms and Conditions (“Terms”) govern your use of our website and the services provided by Backman Writing Services (“Provider,” “we,” “us,” or “our”). By hiring us for writing services, you (“Client”) agree to be bound by these Terms.
1. Services Provided
Backman Writing Services specializes in creating written content, including but not limited to financial articles, blog posts, web copy, white papers, and other ghostwriting services. The specific scope, word count, topic, and deliverables will be outlined in a separate Agreement, Statement of Work (SOW), or confirmed via email correspondence prior to the commencement of work.
2. Financial Disclaimer (Important)
While Backman Writing Services specializes in financial content (including personal finance, investing, retirement planning, and real estate), we are content creators, not licensed financial advisors.
- Informational Purpose Only: All content produced by us is for educational, informational, and entertainment purposes only.
- No Professional Advice: The content we provide does not constitute financial, investment, legal, or tax advice. It should not be construed as a recommendation to buy or sell any security or financial instrument.
- Liability: Backman Writing Services is not liable for any financial losses, damages, or consequences resulting from actions taken based on the content we write. Clients are responsible for vetting all content for compliance with their specific industry regulations (e.g., SEC or FINRA guidelines) before publishing.
3. Rates and Payment
- Quotes: All projects will receive a custom quote based on complexity, research requirements, and length.
- Invoicing: Invoices will be sent via email upon acceptance of the draft or according to an agreed-upon schedule.
- Deposits: For new clients or large projects (over $5,000), a non-refundable deposit of 50% may be required before work begins.
- Late Fees: Invoices not paid within 30 days of the due date may be subject to a late fee of 6% per month.
4. Revisions and Edits
We strive for satisfaction. Our standard fee includes one (1) round of revisions to ensure the tone and content meet your expectations, provided the request is made within 15 days of delivery.
- Scope Creep: Revisions that represent a change in the original assignment instructions (e.g., changing the topic, tone, or format after the draft is written) will be billed at our standard hourly rate.
5. Copyright and Ownership
- Transfer of Rights: Upon full payment of the final invoice, Backman Writing Services transfers all economic copyrights of the commissioned work to the Client. You are free to publish, edit, and distribute the work as you see fit.
- Portfolio Use: Unless a Non-Disclosure Agreement (NDA) is signed, Backman Writing Services retains the right to display the completed work (or a link to it) in our professional portfolio to demonstrate our capabilities to future clients.
- Ghostwriting: If the work is agreed to be ghostwritten, we waive all rights to bylines or credit, provided payment is made in full.
6. Deadlines and Turnaround
We take deadlines seriously. We agree to deliver the work by the date specified in our agreement.
- Client Delays: If the Client fails to provide necessary information, feedback, or approval in a timely manner, the deadline may be extended accordingly.
- Force Majeure: We are not liable for delays caused by circumstances beyond our control (e.g., illness, internet service outages, family emergencies). In such cases, we will notify the Client as soon as possible.
7. Independent Contractor Status
Backman Writing Services operates as an independent contractor. We are not employees, partners, or joint venturers of the Client. We are responsible for our own taxes, equipment, and insurance.
8. Confidentiality
We acknowledge that during the course of our work, we may have access to proprietary or confidential information. We agree not to disclose this information to third parties without the Client’s written consent, both during and after the term of our engagement.
9. Termination of Agreement
- By Client: You may cancel a project at any time. However, you are responsible for payment for all work completed up to the point of cancellation. If a deposit was made, it is non-refundable.
- By Provider: We reserve the right to terminate an agreement if the Client breaches these Terms or if professional communication breaks down.
10. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of New Jersey.