Terms of Service

Last updated: October 1, 2025

1. Acceptance

By using coesitoidic.info (the "Site"), you agree to these Terms. If you disagree, do not use the Site.

2. Use of Site

You agree to use the Site lawfully, including compliance with the Federal Trade Commission Act, 15 U.S.C. § 45, which prohibits unfair or deceptive acts or practices.

3. No Investment Advice

We do not provide personalized investment advice. Information is for general informational purposes only and not investment advice under the Investment Advisers Act of 1946, 15 U.S.C. § 80b-1 et seq. If we provide personalized advice, we will register as an investment adviser or qualify for an exemption.

4. ERISA

We do not provide retirement plan advice unless we expressly assume fiduciary duties under the Employee Retirement Income Security Act of 1974, 29 U.S.C. § 1001 et seq.

5. Privacy

We comply with the Gramm-Leach-Bliley Act, 15 U.S.C. § 6801 et seq., for nonpublic personal information. California residents have rights under the California Consumer Privacy Act of 2018, Cal. Civ. Code § 1798.100 et seq., and the California Privacy Rights Act of 2020, including opt-out of sale/sharing per Cal. Civ. Code § 1798.120.

6. Liability

To the maximum extent permitted by law, coesitoidic.info is not liable for indirect, incidental, or consequential damages from your use of the Site.

7. Governing Law

These Terms are governed by the laws of the United States and the State of Delaware.

8. Changes

We may update these Terms. Continued use constitutes acceptance.

9. Contact

Questions? Email [email protected] or call +1 (303) 323-3934.