TERMS OF USE

Last updated and effective: February 3, 2021.

Hello! We are honored to help you along with wisdom and guidance. Please take time to review the important information below. If you have any questions, drop us a line at hello@cosigned.co.

  • Cosigned.co (“Site”) is a website owned and operated by Cosigned LLC, a California corporation (“Cosigned”). You are invited to sign up to receive newsletters and RSS feeds, and visit the Site. By using the Site, you expressly acknowledge and agree that any use of the Site will be in accordance with these Terms of Use.

  • If you do not agree to be bound by these Terms of Use, you may not use the Site. Cosigned reserves the right to modify these Terms of Use at any time and—at its sole discretion—may publish notifications of material modifications. By continuing to access the Site after such notifications have been published, you signify your agreement to be bound by the updated Terms of Use.

  • 1) Using this website (“Site”), 2) reviewing, commenting on, or engaging with our social media linked to through the Site, 3) receiving, sending, or engaging in any written or oral communications with Cosigned, and 4) reviewing, purchasing, or using services or products from Cosigned are meant for educational, informational, discussion, and entertainment purposes only. (The Site, our social media, written or oral communications with Cosigned, and services or products from Cosigned are collectively referred to herein as “Cosigned Content”.)

  • Cosigned Content is not intended to be a substitute for advice, diagnosis, or treatment of legal, mental health, or medical matters. Always seek the advice of professionals or other qualified providers with any questions you may have regarding legal, medical, mental health, or financial concerns.

  • If you are in crisis or you think you may have an emergency, call your doctor or 911 immediately. If you're having suicidal thoughts, call 1-800-273-TALK (8255) to talk to a skilled, trained counselor at a crisis center in your area at any time (National Suicide Prevention Lifeline). If you are located outside the United States, call your local emergency line immediately.

  • We do not offer legal advice and no attorney-client relationship is created by use of this website, use of our social media, any communications with us, or purchases of our services.

  • Speak with your tax preparer to learn if professional development services are tax deductible.

  • “Business day” throughout Cosigned Content refers to 12:00 a.m. PT through 11:59 p.m. PT on Monday, Tuesday, Wednesday, Thursday, or Friday.

    Disclosure Policy

    Cosigned reserves the right to disclose any information as necessary to satisfy any applicable law, regulation, legal process, or governmental request. Cosigned reserves the right to restrict access by any users whom Cosigned believes, in its sole discretion, are engaged in inappropriate, unprofessional, or unlawful conduct.

    Violation and Removal Policy

    If you believe that any Cosigned Content violates the Terms of Use, please notify Content by sending an email to hello@cosigned.co. Cosigned does not guarantee that any action will be taken as a result of your email.

    Cosigned reserves the right to remove content which, in its sole discretion, violates any of the rules set forth herein of which it becomes aware, but is under no obligation to do so. If you are offended by any Cosigned Content, stop using Cosigned Content.

    Additional Disclaimers

    Cosigned Content and any information, products or services therein are provided “as is” without warranty of any kind, either express or implied, including without limitation, the implied warranties of merchantability, fitness for use of a particular purpose, or noninfringement.

    Cosigned does not warrant that the Site will operate in an uninterrupted or error-free manner or that the Site is free of viruses or other harmful components. Use of information obtained from or through the Site is at your own risk.

    Cosigned is not liable for any loss or damages including, but not limited to, claims for defamation, errors, loss of data, or interruption in availability of data arising out of the use or inability to use Cosigned Content or any links; to your placement of content on Cosigned Content; or to your reliance upon information obtained from or through Cosigned Content or through links contained within Cosigned Content.

    Licenses

    In consideration for your agreement to these Terms of Use, Cosigned grants you a personal, non-exclusive, non-transferable, revocable license to access and use Cosigned Content. You may access the material on Cosigned Content only for your own personal, non-commercial use. The burden of determining that use of any information obtained from the Site is permissible rests with you.

    By posting to or otherwise engaging in any communication within Cosigned Content, you are granting Cosigned (or any of its assignees) a perpetual, royalty-free, fully paid up, worldwide and irrevocable right and license to use, reproduce, modify, adapt, publish, translate, distribute, transmit, publicly display, publicly perform, sublicense, create derivative works from, transfer, and sell any such information or works contained in such communication.

    Choice of Law and Forum

    You agree that any dispute arising out of or relating to these Terms of Use or any content posted to Cosigned Content, including copies and republication thereof, whether based in contract, tort, statutory, or other law, will be governed by the laws of the State of California, excluding its conflicts of law provisions. You further consent to the personal jurisdiction of and exclusive venue in the federal and state courts located in and serving Los Angeles County, California as the legal forum for any such dispute.

    Copyright Policy

    Pursuant to 17 USC. § 512 as amended by Title II of the Digital Millennium Copyright Act (the “DMCA”), Cosigned has instituted procedures to receive written notification of claimed infringements and to process such claims in accordance with the DMCA. If you believe your copyrights are being infringed, please send a Notice of Infringement to hello@cosigned.co that substantively complies with the safe harbor provisions of the Digital Millennium Copyright Act, 17 USC. § 512(c)(3)(A), which provides that that to be effective under this subsection, a notification of claimed infringement must be a written communication provided to the designated agent of a service provider that includes substantially the following:

    • A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed. • Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works are covered by a single notification, a representative list of such works at that Site. • Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the service provider to locate the material. • Information reasonably sufficient to permit the service provider to contact the complaining party such as an address, telephone number, and if available, an electronic mail address at which the complaining party may be contacted. • A statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent or the law. • A statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed. • Notification from a copyright owner or from a person authorized to act on behalf of the copyright owner that fails to comply substantially with the provisions above shall not be considered as providing actual knowledge or an awareness of facts or circumstances from which infringing activity is apparent.

    Unauthorized Use

    Unauthorized use of Cosigned Content in connection with the transmission of unsolicited email, including the transmission of email in violation of this policy, may result in civil, criminal, or administrative penalties against the sender and those assisting the sender.

    DISCLAIMER OF WARRANTIES

    COSIGNED CONTENT AND ALL MATERIALS THEREON ARE DISTRIBUTED ON AN “AS IS” BASIS WITHOUT WARRANTIES OF ANY KIND. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, COSIGNED DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. SPECIFICALLY, BUT WITHOUT LIMITATION, BEC/GWD DO NOT WARRANT THAT: (1) THE INFORMATION ON THE SITE IS CORRECT, ACCURATE OR RELIABLE; (2) THE FUNCTIONS CONTAINED ON THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE; OR (3) DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVER THAT MAKES IT AVAILABLE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU HEREBY ACKNOWLEDGE THAT USE OF THE SITE IS AT YOUR SOLE RISK. IF YOU ARE A CALIFORNIA RESIDENT, YOU HEREBY WAIVE CALIFORNIA CIVIL CODE SECTION 1542 WHICH PROVIDES: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR.”

    LIMITATION OF LIABILITY

    UNDER NO CIRCUMSTANCES SHALL COSIGNED OR ANY OF ITS PREDECESSORS, SUCCESSORS, PARENTS, SUBSIDIARIES, AFFILIATES, COACHES, OFFICERS, DIRECTORS, SHAREHOLDERS, INVESTORS, EMPLOYEES, AGENTS, REPRESENTATIVES, ATTORNEYS AND THEIR RESPECTIVE HEIRS, SUCCESSORS AND ASSIGNS BE LIABLE FOR ANY DAMAGES, INCLUDING DIRECT, INCIDENTAL, PUNITIVE, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES THAT DIRECTLY OR INDIRECTLY RESULT FROM THE USE OF, OR THE INABILITY TO USE, THIS WEBSITE OR THE INFORMATION CONTAINED ON THIS WEBSITE OR OBTAINED FROM YOUR USE OF THIS WEBSITE, INCLUDING FOR VIRUSES ALLEGED TO HAVE BEEN OBTAINED FROM THE WEBSITE, EVEN IF COSIGNED HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL THEY OR ANY OF THEIR PREDECESSORS, SUCCESSORS, PARENTS, SUBSIDIARIES, AFFILIATES, COACHES, OFFICERS, DIRECTORS, SHAREHOLDERS, INVESTORS’, EMPLOYEES’, AGENTS’, REPRESENTATIVES’ AND ATTORNEYS’ AND THEIR RESPECTIVE HEIRS’, SUCCESSORS’ AND ASSIGNS’ SHARE IN ANY LIABILITY. TOTAL LIABILITY DEVOLVES TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION WHETHER IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE) OR OTHERWISE EXCEEDING $1. SOME JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES IN WHICH CASE SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO ALL USERS.

    Indemnification

    You agree to indemnify and hold Cosigned and any Cosigned-affiliated person or entity harmless from any claims, losses or damages, including legal fees, resulting from your violation of these Terms of Use, your use of Cosigned Content or your placement of any content onto Cosigned Content, and to fully cooperate in Cosigned’s or any Cosigned-affiliated person’s or entity’s defense against any such claims.

    Integration

    These Terms of Use constitute the entire agreement between you and Cosigned and any Cosigned-affiliated persons or parties with respect to the subject matter herein and supersedes any and all prior or contemporaneous oral or written agreements.