Terms and conditions

I. Editorial Policy

Updated Dec 12, 2023

Our mission is to simplify complex financial information and decisions so that our readers have the confidence to manage every aspect of their financial lives. Your financial life will be filled with personal decisions and challenges.

Whether you are investing as a beginner or expert, planning your retirement, buying a home, studying for an exam in business school, or running a small business, you have questions that need answering.

For over 3 years, we’ve helped hundreds of millions of people do just that. We feel it’s important to share how we go about writing all of the articles that our readers depend on.

At Coincu, we aspire to provide the highest quality content produced by humans, for humans.

1. Principles

Empowering

Finance can be complex and intimidating. We provide you with information that you can use with confidence, whatever your level of experience.

Unbiased

From financial product recommendations to the financial implications of government policy, we put things in context and provide all the facts. Our information is carefully researched and is not written to support any specific economic or political viewpoint.

Accurate

Having accurate financial information, presented clearly and updated regularly is of the utmost importance to us. We seek out and work with the most qualified experts across every topic we cover.

Any mistakes, inaccuracies, or misrepresentations identified by our readers are investigated and corrected promptly. Please contact us for corrections.

Inclusive

We work to ensure that our content serves—and depicts with dignity and respect—people of different ages, nationalities, religions, gender identities, sexual orientations, ethnicities, relationship statuses, physical and mental abilities, and family types.

2. Ethics

We are committed to following the Codes of Ethics of the Society for Advancing Business Editing and Writing (SABEW).

Our content is guided by and upholds the Society for Professional Journalists’ foundations of ethical journalism: being accurate and fair, minimizing harm, acting independently, and being accountable and transparent.

Coincu content is for informational purposes and is not intended to substitute for the advice of a licensed or certified attorney, accountant, financial advisor, or other certified financial professional.

3. Editorial Process

Our staff of editors and network of expert contributors write and manage all the articles you find on Coincu. We don’t make recommendations for you to buy, sell, or hold securities or investments.

We do, however, provide relevant analysis, context, insights, and educational information to help you make smarter, better-informed decisions. Wherever possible we provide examples that help put complex topics and concepts into perspective.

Our editorial team is continually evaluating the articles across our site to flag any that contain information that is known to be or is likely to be out-of-date. Such articles are reviewed and updated or, if necessary, completely rewritten, rechecked, and re-edited.

Our network of experienced experts, who uphold our process and policies, assist with our updating efforts. Articles that have been updated are date-stamped to reflect this.

4. Quality Standards

Every article you see has multiple people behind it, continually working to make sure that it is responsible, accurate, understandable, helpful, and reflective of our editorial principles.

Our editorial team approves all story ideas independently, and our expert contributors each have deep subject matter expertise in the topics that we assign them.

Our team of professional editors, fact-checkers, and producers review content to ensure it upholds our values of being empowering, inclusive, unbiased, and accurate.

All staff/members are responsible for disclosing any potential conflicts of interest.

5. Corrections

Coincu is committed to telling readers when an error has appeared, and to correcting it. This transparency applies to small and large mistakes, including news, but only if an error was made at the time of original publication.

Corrections will be noted on the page. When our journalism is factually correct, but the language is not as clear or detailed as necessary, the story may be updated without an editor’s note. Please report possible errors to info@coincu.com.

6. Writers

Coincu experts are carefully recruited, vetted, and chosen. Some are experienced financial writers, others are experts in particular aspects of finance; many are both.

They are selected for their knowledge and their skill at communicating complex topics in clear, accessible, actionable language.

Every article’s author or reviewer is listed at the top of the page, to the left of the date, and is linked to their biography, which you can click on to learn more about their credentials, education, professional experience, and social media presence.

All writers are required to uphold the editorial guidelines listed above.

7. Third-Party Content

Third-party content is carefully reviewed by the Coincu editorial team to ensure that it is aligned with our policies and standards. Any such content is labeled clearly and conspicuously to notify you of its source.

II. Warranty and Liability Disclaimer

The comments, opinions, and analyses expressed on Coincu are for informational purposes only and should not be considered individual investment advice or recommendations to invest in any security or adopt any investment strategy.

Though we believe the information provided herein is reliable, we do not warrant its accuracy or completeness. The views and strategies described in our content may not be suitable for all investors.

Because market and economic conditions are subject to rapid change, all comments, opinions, and analyses contained within our content are rendered as of the date of the posting and may change without notice.

The material is not intended as a complete analysis of every material fact regarding any country, region, market, industry, investment, or strategy.

Investing in cryptocurrencies and other Initial Coin Offerings (“ICOs”) is highly risky and speculative, and cryptocurrency-related content on Coincu is not a recommendation to invest in cryptocurrencies or other ICOs.

Since each individual’s situation is unique, a qualified professional should always be consulted before making any financial decisions. Coincu makes no representations or warranties as to the accuracy or timeliness of the information contained herein.

III. Advertising Disclosure

Updated Dec 12, 2023

Coincu accepts advertising but maintains a strict and clear separation between advertising and editorial content. Special attention is paid to featuring advertising in a way that will not interfere with your reading experience. This relates to both page design and the number of ads we choose to feature on a page.

Coincu maintains a distinct separation between advertising and editorial content.

All advertising or sponsored content on Coincu is clearly and unambiguously distinguished from editorial content through borders or other distinguishing elements and/or identified as an “Ad,” “Advertisement,” “Sponsored” or a similar designation indicating that the content is being provided by or on behalf of the sponsor.

All ads on Coincu are labeled as an “Ad,” “Advertisement,” “Sponsored” or a similar designation indicating that the content is being provided by or on behalf of the sponsor.

All “native” ads or paid content are identified as an “Ad,” “Advertisement,” “Sponsored” or a similar designation indicating that the content is being provided by or on behalf of the sponsor.

The editorial content on Coincu is not influenced by advertisements unless the content is sponsored content, in which case, the content will be demarcated and identified with the title “Ad,” “Advertisement,” or “Sponsored”, or a similar designation, indicating that the content is being provided by or on behalf of an advertiser or sponsor.

In some cases, the editorial may include links to partners for which Coincu receives an affiliate commission (See ‘How We Make Money’ for more details). The placement of these links is not influenced by payment, and the editorial reserves the right to change, modify, or remove them at any time to provide the best experience for users.

1. How We Make Money

The way that we’re able to offer over 30,000 articles of great content on our website for free is by partnering with advertisers and affiliate partners who are looking to reach consumers. This can take several different forms, and we’ll walk through those below.

It’s important to note that we maintain strict editorial independence for all of our content, particularly on reviews and recommendations. If a product is great, we’ll tell you even if we don’t have an advertising relationship.

If we think a product is bad, we’ll tell you that, even if we DO have an advertising relationship with them. While we do recommend and review products regardless of any advertising relationships, we may not have reviewed every product available in a given category.

2. Affiliate Links to Advertisers

In some cases, we may have an affiliate relationship with a product that we review, and so when you click on an “Open Account” button or sometimes a hyperlink to the product’s name in those cases, we may receive compensation either when you click on it or if you decide to sign up for the product.

Whether or not we have an advertiser in place does not change the placement of the button or whether there’s a link for you to go to their website.

IV. Terms of Use

Updated Dec 12, 2023

Welcome to the coincu.com website (“Site”) operated by coincu, LLC. By visiting and using this Site you will be accepting these Terms of Use (“TOU”). The TOU governs your access to and use of the Site and any of the Services we provide through the Site (together with the “Services”).

Please read them carefully and if you disagree with the TOU in any way, then do not use this Site or any of the Services.

Coincu reserves the right to post changes to the TOU on this Site at any time. If we make any material changes to this TOU, we will post the updated TOU here, along with its effective date, and notify you by email or by all means of a notice on our Site.

If any TOU changes are not acceptable, you must stop your use of this Site. In these TOUs, “Coincu” and “we” refer to Coincu, LLC, and “User” or “you” refer to each visitor to this Site.

If you subscribe to any Services offered through this Site, you may also be subject to additional terms and conditions (“Terms of Service” or “TOS”) applicable to such Services, which will be brought to your attention at that time.

1. Sites and Services

We do not guarantee that access to or use of this Site or any Services will be uninterrupted or error-free, and Coincu shall not be liable for any feature not being accessible or for any unavailability of its Site and Services.

The Site and its features may be expanded, limited, or modified at any time by Coincu to meet the needs of its Users, or for technical or other reasons, without advance notice or reason. We may also in our sole discretion, and at any time, discontinue providing, temporarily or permanently, any or all of the Site or Services, without notice.

To access some of the content or features of the Site or its Services, Users may need to enhance or update the hardware or software in their computer systems. Coincu assumes no responsibility for any failure to access the Site or any Services, partially or fully, whether due to the User’s system, the Internet network, or any other cause.

2. Minors

We do not provide information or services to minors, and if you are under 18, and at least 13 years of age, you may only use this Site and/or the Services with the active involvement of a parent, guardian, or other supervising adult. You may not use this Site if you are under 13 years of age.

3. No Individual Investment Advice

This Site does not provide individual or customized legal, tax, accounting, or investment services. Since each individual’s situation is unique, a qualified professional should be consulted before making financial decisions.

4. Message Website Content Limitations

We make no guarantees as to the accuracy, thoroughness, or quality of the information on this Site or through the Services, which is provided only on an “AS-IS” and “AS AVAILABLE” basis at the User’s sole risk.

This information may be provided by third parties and Coincu shall not be responsible or liable for any errors, omissions, or inaccuracies in the Site content. The information and investment, accounting, or legal strategies provided at this Site are neither comprehensive nor appropriate for every individual.

Some of the information is relevant only in Canada or the U.S., and may not be relevant to or compliant with the laws, regulations, or other legal requirements of other countries.

It is your responsibility to determine whether, how, and to what extent your intended use of the information and Services will be technically and legally possible in the areas of the world where you intend to use them.

You are advised to verify any information before using it for any personal, financial, accounting, legal, or business purpose. In addition, the opinions and views expressed in any article on this Site are solely those of the author(s) of the article and do not reflect the opinions of Coincu or its management.

The Site content and services may be modified at any time by us, without advance notice or reason, and Coincu shall have no obligation to notify you of any corrections or changes to any Site content.

5. License to Use Site Content

We grant you a limited personal use license to access, display, download, format, and print portions of this Site content solely for your personal non-commercial use, provided that the content is not modified and all proprietary notices are kept intact.

You may not reproduce, publish, translate, merge, sell, rent, distribute the content, or create a derivative work of the content on any other website or as part of any educational, training, or reference materials. You may not frame or utilize framing techniques to enclose any content on this Site.

Please note that, if you purchase any Courses (as defined herein) through the Coincu Academy that purchase is subject to specific license rights provided for in the Coincu Academy section of this TOU (below).

6. Third-Party Content

Any testimonials, opinions, advice, product or service offers, or other information or content made available on or through this Site by third parties (“Third-Party Content”) are solely those of their respective providers and not of Coincu which does not guarantee the accuracy, completeness, reliability or usefulness of Third Party Content.

It is the responsibility of the User to evaluate Third Party Content and Coincu shall not be liable for any damage or loss caused by Users’ reliance on or other use of Third Party Content.

7. Content Posted by Users

To the extent we enable you to, and you choose to post or share any content or materials, including, without limitation, through the AI Service (e.g. questions) or through the Coincu Academy Service (e.g., quizzes, homework, projects, etc.) (“User Content”) you will be:

(a) granting Coincu a fully transferable, sub-licensable (with rights to sublicense, including, without limitation, through multiple tiers) to display, perform, reproduce, modify, transfer, distribute and create derivative works from the User Content and to associate your public profile information (if any) with such User Content, in any media formats and through any channels (whether now known or hereafter developed) and waive any moral rights in favor of Coincu concerning such use of the User Content;

(b) granting Coincu a perpetual, worldwide, royalty-free, fully paid-up, non-exclusive license to allow your materials to be edited and displayed by Coincu on its Site, and accessed by Users, for the purposes and on the terms as set out in these TOU;

(c) agreeing to indemnify and hold harmless Coincu and its Users from any claim or demand made by any third party due to or arising out of your User Content; and

(d) representing that you own or otherwise have the right to post the User Content, that the User Content is accurate, that use of the User Content on the Site does not violate any laws, and that the materials will not cause injury to any person, including without limitation to the intellectual property, personal or privacy rights of others. Coincu shall have the right to use your name in connection with your posted User Content. Coincu reserves the right to remove or modify any User Content for any reason, including without limitation, if we believe it violates these TOUs.

If you choose to post any User Content and interact with other users, if applicable, please be respectful of other users and use common sense when posting comments. Remember that anything you post online may be perpetually available and is not confidential or private. Do not post anything you would not be comfortable sharing or being made public.

8. Coincu Widgets

Coincu may, in its sole discretion, provide certain widgets subject to this TOU (the “Widgets”). By accessing and using any Widget (including copying any Widget HTML code), you agree to be bound by the following:

• You may only display the Widget(s) on a website you own and operate;
• You may not modify any Widget including without limitation that you may not change any code, obscure or disable any element of any Widget, tag links to Coincu with a “no follow” attribute or similar mechanism;
• You agree not to make any representations or warranties (express or implied) about Coincu or the Site;
• You may not suggest or imply any affiliation with, sponsorship, or endorsement by Coincu;
• You may not place the Widget on any site that contains any content that is in any way unlawful, harmful, obscene, harassing, or racially, ethnically, or otherwise objectionable.
• Additionally, you may not place the Widget on any site that infringes any Coincu intellectual property or other rights, or violates any applicable law;
• Coincu grants you a non-transferable, non-exclusive, revocable right to download/display the Widget solely in accordance with the terms of TOU (ii) solely in connection with the Widget, to use our logos, trademarks, trade names, and other intellectual property contained in the Widget. This TOU does not grant you any right in any Coincu code, content, logos, or trademarks beyond the limited permission to display the Widget granted herein.

Coincu reserves the right at any time to terminate or modify your permission to display the Widget. The Widgets are subject to change from time to time at our sole discretion. We may cease to return content from the Widget at any time at our sole discretion.

9. Account creation

General. Some of the Services offered by Coincu require you to create an account. When you create an account, you agree that you have the authority to create that account and that all information you provide will be true, accurate, current, and complete.

You are solely responsible for keeping your login information (e.g., user ID and password) accurate, secure, and confidential. You are also responsible for any activity resulting from the use of your login information.

You agree to immediately inform us if you suspect that your login information has been compromised. We are not liable to you for any losses or damages you incur resulting from unauthorized use of your login information.

Social Sign-in. If you log in or sign in using social networking functionality, e.g., Facebook, you agree to abide by the applicable social network’s terms and conditions.

10. Advisor Insights – for users

Coincu may offer certain services, including, for example, Coincu’s Advisor Insights service (the “AI Service”), which allows users to engage in one or another manner with a network of third-party experts and advisors (including by submitting proposed questions to be posed to financial planning and personal finance professionals).

Your use of and reliance on such services, if any, is entirely at your own risk, and you are solely responsible for complying with this TOU at all times. Your submissions (including any public profile information associated with such submission) and any associated responses from our advisor network, all of which materials constitute Third Party Content under this TOU, may be displayed in publicly viewable forums.

Submission of a question does not guarantee a response will be provided. Please note that we also enable you to follow individual advisors by clicking on the “follow” button on an advisor’s Coincu profile page and providing your email address. If you choose to follow any advisor, you agree to receive weekly recaps of the advisor’s content via an email newsletter.

You may unsubscribe from receiving an advisor newsletter at any time by clicking the opt-out link in any email communication from us and/or by accessing the “Manage Subscriptions” page on our Site. Please also see our “Communications” section below for more information on how we may communicate with you regarding the AI Service and other services we offer.

IMPORTANT

No Client Relationship; No Privilege. By answering questions, advisors do not intend to form and do not form an advisor-client, planner-client, or any other direct privileged or professional relationship with any user of the Site.

Please keep in mind that laws, regulations, other governing authorities, standards, practices, and procedures that apply to your particular question may differ depending on your location.

Additionally, none of the Third Party Content will be treated as private or confidential, nor is it protected by attorney-client or any other privilege, and it may be read, collected, and used by Coincu and others.

Search engines may index your questions, answers, and other Third Party Content to allow such content to appear in search engine results (e.g. if someone searches google.com or another search engine, your questions, answers, and other Third Party Content on our Site that relate to the search may appear in the search results list with links to your questions, answers, and other Third Party Content).

PLEASE NOTE: Coincu does not provide tax, accounting, legal, investment, or financial services. The information available through Coincu’s AI Service is provided by third parties and solely for informational purposes on an “as is” basis at the user’s sole risk. The information is not meant to be, and should not be construed as advice or used for investment, financial planning, legal, accounting, or tax purposes. Coincu makes no guarantees as to the accuracy, quality, or completeness of the information and Coincu shall not be responsible or liable for any errors, omissions, or inaccuracies in the information or for any user’s reliance on the information. The user is solely responsible for verifying the information as being appropriate for the user’s personal use, including without limitation, seeking the advice of a qualified professional regarding any specific financial, legal, accounting, or tax questions a user may have. While Coincu may edit questions provided by users for grammar, punctuation, profanity, and question title length, Coincu is not involved in the questions and answers between advisors and users, does not endorse any particular financial, legal, accounting, or tax professionals that provide answers via the AI Service and is not responsible for any claims made by any advisor. Coincu is not endorsed by or affiliated with any state/provincial/territorial bar association or other legal or accounting membership organization or association, tax authorities, or agencies or associations, or the Financial Industry Regulatory Authority (FINRA) in the U.S., the Investment Industry Regulatory Organization of Canada (IIROC) or any other financial regulatory authority, agency, or association.

POSTS ARE NOT CONFIDENTIAL. The Advisor Insights is a forum-based service and any information and materials you submit in connection with your profile and/or any questions you pose to any one of the advisors via the AI Service may be displayed in publicly viewable forums.

11. Advisor insights – for advisors

Participation in the AI Service as an advisor involves a vetting and approval process. Acceptance into the AI Service is at Coincu’s sole discretion and may be based on such factors as licenses/registrations, designations, assets under management, SEC/FINRA or IIROC disclosures, applicable state/provincial/territorial regulator information, federal/state/provincial/territorial agencies in connection with tax and/or accounting licensing boards and/or agencies, and other considerations deemed relevant by Coincu in its sole discretion.

By applying to the AI Service, you are representing and warranting the accuracy and completeness of all information provided to Coincu during and after the application process.
If accepted into the AI Service, you agree to promptly notify Coincu if any information previously provided becomes incorrect or otherwise obsolete.

Participation in the AI Service requires, at a minimum, that you maintain your status as a registered financial advisor. You shall be solely responsible for ensuring ongoing compliance with all registration requirements and any obligations imposed by applicable regulators and/or your employer.

Should you lose your status as a registered financial advisor, or if there has been any other material change to your profile or the information submitted as part of the application process (including if you become subject to any legal or regulatory action, proceeding, or sanctions), you agree to immediately cease participating in the AI Service and to promptly notify Coincu so that your profile may be suspended or removed.

By applying for and/or participating in the AI Service, you acknowledge that the purpose of the AI Service is to be a source of general information and education for Coincu’s users at large and, accordingly, while answers you publish through the AI Service may include analysis of different options and considerations given the facts indicated by the questioners, answers may not include a recommendation that the questioner take a specific course of action. Specifically,

• For financial advisors, your answers must not (i) recommend or promote specific securities, funds, or other investments, (ii) advertise or promote your specific qualifications, experience, or past performance, or (iii) directly solicit Coincu users as clients.

Your participation in the AI Service is specifically to allow you to provide answers to questions posed through the AI Service. Coincu does not answer AI Service questions itself, nor does it provide tax, investment, financial, tax, accounting, or legal services.

Coincu is under no obligation to review, edit, or verify the usefulness, reliability, completeness, or accuracy of any answers you publish through the AI Service, and Coincu expressly disclaims any and all liability in connection with your answers or other submissions through the AI Service, for which you shall be solely liable.

Coincu does, however, reserve its right to remove any answer or other content from the AI Service or the Coincu website generally, in its sole discretion, and with or without advance notice.

By publishing an answer to an AI Service question, you are attesting to such an answer’s veracity, completeness, and accuracy, as well as having all necessary rights to publish such an answer.

By submitting an answer you additionally grant Coincu a worldwide, non-exclusive, irrevocable, royalty-free right and license (with rights to sublicense, including, without limitation, through multiple tiers) to display, perform, reproduce, modify as to format or appearance but not substance, transfer and distribute such content (with or without your associated public profile information), in any media formats and through any channels (whether now known or hereafter developed).

In addition, by submitting an answer, you waive all moral rights in such content in favor of Coincu. You agree to not post the identical answer on any website other than your own personal or professional website, and social media platforms.

In addition to participating in the AI Service by providing answers to users’ questions, you will also have the opportunity to contribute other content for inclusion on our website, including without limitation, articles. All such additional submissions are at our discretion and are subject to this TOU.

By submitting any such content, you grant Coincu a worldwide, non-exclusive, irrevocable, royalty-free right and license (with rights to sublicense, including, without limitation, through multiple tiers) to display, perform, reproduce, modify as to format or appearance but not substance, transfer and distribute such content (with or without your associated public profile information), in any media formats and through any channels (whether now known or hereafter developed).

In addition, by submitting such content, you waive all moral rights in such content in favor of Coincu. You agree to not post identical content on any competing website.

You agree to indemnify and hold Coincu harmless from and against any claims arising out of or related to your participation in the AI Service, including those alleging that any answer or other content you submit to or publish through the AI Service, or your participation in the AI Service, violates any law or regulation or infringes or otherwise violates any intellectual property or other proprietary right of any person or entity.

You are not entitled to or eligible for any compensation or benefits concerning your participation in the AI Service. Your participation in the AI Service is solely at your discretion. You are, and at all times shall be, an independent contractor, and nothing in this TOU is intended or should be construed to create a partnership, joint or co-venture, franchise, agency, or employer-employee relationship between Coincu and you.

You will take no position with respect to or on any tax return or application for benefits, or in any proceeding directly or indirectly involving Coincu that is inconsistent with your being an independent contractor (and not an employee) of Coincu. You are not the agent of Coincu and you are not authorized, and must not represent to any third party that you are authorized to make any commitment, assume any obligation, undertake any liability, or otherwise act on behalf of Coincu.

This TOU, and our relationship, is a commercial, arm’s-length relationship and does not create any special or fiduciary relationship. In your capacity as an independent contractor, you agree that you: (i) determine, in your sole discretion and judgment, the time, mode, manner, method and means used by you in your participation in the AI Service; (ii) have the right to control how such participation is to be performed; (iii) may accept or choose not to participate in the AI Service; and (iv) are free to accept work from persons, firms and other third parties other than Coincu.

12. Subscription services

Subscription Services

Coincu may offer certain paid subscription services in certain regions. If you enroll in any Coincu paid subscription service, your subscription will continue month-to-month until terminated. You agree that your account will be subject to this automatic renewal feature.

If you do not wish your account to renew automatically or want to change or terminate your subscription, please email info@coincu.com. To use the Coincu subscription service you must have internet access and provide us with one or more Payment Methods.

Billing

Unless you cancel your subscription(s) before your monthly billing date, you authorize us to charge your next month’s subscription fee to your Payment Method. You also authorize Coincu to charge you for any sales or similar taxes that may be imposed on your subscription payments.

Such fees will be charged on the calendar day corresponding to the commencement of your subscription. In some cases, your payment date may change, for example, if your Payment Method has not successfully settled or if your paid subscription began on a day not contained in a given month. In order to see your next payment date, please contact us at info@coincu.com.

Payment Methods and Subscriptions

In order to enroll in a Coincu paid subscription service you must provide one or more Payment Methods. We may update your Payment Method using information provided to us by our payment processors. Following an update, you authorize us to continue to charge the applicable Payment Method(s).

You agree to promptly update all information to keep your Payment Methods current, complete, and accurate (such as a change in billing address, card number, or expiration date), and you must promptly notify Coincu if your Payment Method is canceled (or if you lose your credit card or it is stolen), or if you become aware of a potential breach of security (such as an unauthorized disclosure or use of your name or Account password).

Changes may be made by visiting your Learned Dashboard at coincu.com and submitting an updated payment method which will be received by our payment processor. You authorize us to charge any Payment Method associated with your account in case your primary Payment Method is declined or no longer available to us for payment of your subscription fee. You remain responsible for all unpaid amounts.

If any payment is not successfully settled due to expiration, insufficient funds, or otherwise, and you do not cancel your account, we may terminate your access to the service until we have successfully charged a valid

Payment Method.

If you initiate a chargeback or otherwise reverse a payment made with your Payment Method, Coincu may in its discretion, terminate your account immediately. If Coincu successfully disputes the reversal, and the reversed funds are returned, you are not entitled to a refund or to have your account or subscription reinstated.

Refunds and Cancellations

If you cancel your subscription and request a refund within the first 30 days of your subscription, we will refund your initial payment. Thereafter you can cancel your subscription at any time, and you will continue to have access to the subscription service through the end of your monthly billing period.

To the extent permitted by the applicable law, payments are non-refundable and we do not provide refunds or credits for any partial-month subscription periods or unwatched Coincu content.

Notwithstanding the foregoing, if you cancel within 3 business days of signing up for a paid subscription, we will refund your full subscription fee; however, we may charge you (or withhold from your refund) the prorated value of the subscription service used by you and your account during this 3-business day period.

To cancel, please email info@coincu.com. If you cancel your subscription, your account will automatically close at the end of your current billing period.

In the event you cancel your subscription, please note that we may still send you promotional communications about Coincu products and services unless you opt out of receiving those communications by following the unsubscribe instructions provided therein.

Price and Subscription Plan Changes

We may change the subscription plans available and/or the price of our service from time to time, provided that any price changes will apply to you no earlier than 30 days following notice.

We may offer several different subscription plans, including special promotional plans and some plans may have different terms and conditions, which will be provided to you at sign-up or through other communications to you.

Incentives, Rewards, Discounts, and Other Promotional Offers

Coincu may offer incentives, offers, promotions, discounts, sweepstakes, or contests in connection with its Services. In the case of sweepstakes or contests, you will be provided separate terms and conditions that must be agreed to to be eligible for participation in any sweepstakes and/or contests.

In connection with any incentives, rewards, or similar programs (For example, but not limited to, the Advisor Insights incentives program for financial advisor users and discount codes for Coincu Academy), any such program is issued at Coincu’s sole discretion and cannot be transferred, bartered or sold or used for a purchase where payment is made using payment information (e.g., a credit card number or PayPal account).

Any such incentives and/or programs are not a payment instrument; they are issued without any exchange of money or value from you and you have no vested property right or interest in the incentives.

Coincu reserves the right to cancel or revoke any incentives or programs, or your participation therein, for any reason or no reason whatsoever, including, without limitation, if it determines in its sole discretion that you have violated these terms, the terms specific to any rewards, incentive, or other program, or the rest of this TOU.

Coincu reserves the right in its sole discretion at any time and without prior notice to you, to add to, remove, or otherwise change the terms applicable to the issuance and use of any incentive, offers, promotions, or other similar program.

13. Viruses

Coincu does not guarantee that files available for downloading through its Site will be free of infectious viruses or other code that may have contaminating or destructive properties.

You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for integrity, security, and accuracy of data input and output, and for maintaining a means external to the Site for the reconstruction of any lost data.

14. Advertisers are not endorsed

Though we seek to partner with quality companies, we are not responsible for the claims or representations made by advertisers and sponsors. Coincu does not review, endorse or recommend the products or services of any company mentioned on our Site.

We will not be liable in any way for damages of any kind resulting from the misuse of any personal information or data submitted by you to an advertiser or sponsor.

15. Links

As a convenience to Users, the Site and Services may provide links to other sites or resources. Because we do not review and have no control over such sites and resources, Coincu shall not be responsible or liable for the use of or reliance on any content, products, services or information at such sites or resources.

Inclusion of any links does not imply any endorsement, affiliation, approval, association, or sponsorship by Coincu of the linked websites, resources, their operators or owners. When you select a link, you may be leaving our Site. The information available on third-party websites may have certain restrictions on its use or distribution which differ from this TOU.

16. Prohibited conduct

The following activities are strictly prohibited:

• Posting unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of solicitation (“Spamming”);
• Postings for any unlawful or fraudulent purpose (including links);
• Posting of personal information (for yourself or anyone else);
• Posting materials containing viruses or other malicious or destructive code;
• Posting of offensive content including profanity, obscenity, racist or pornographic material;
• Engaging in any activities that are defamatory, violate the personal privacy rights of others, or infringe any person’s rights, including but not limited to, collecting and distributing information about Internet users without their permission, except as permitted by applicable law;
• Posting any content that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, hateful, or degrading to others on the basis of gender, race, class, ethnicity, national origin, religion, sexual preference, disability or other classification or otherwise objectionable in any way;
• Copying, modifying, creating a derivative work of, reverse engineering, reverse assembling, or otherwise attempting to discover any source code of the Site or Services;
• Removing or obscuring the copyright notice or other notices displayed in connection with the content accessible through the Site or Services;
• Interfering with or disrupting the Site functionalities, Services, or servers and networks connected to the Site, or disobeying any requirements, procedures, policies, or regulations of networks connected directly or indirectly to the Site;
• Modifying the Site or Services in any manner or form, or using modified versions of the Site or Services, including (without limitation) obtaining unauthorized access to the Site or Services;
• Reproducing, printing, caching, storing, or distributing content retrieved from the Site or Services in any way not authorized by this TOU or for any commercial use without the prior written permission of Coincu;
• Selling, assigning, sublicensing, or otherwise transferring any right in the Services or content accessible through the Site;
• Accessing the Site or Services by any means other than through the interface that is provided by Coincu;
• Using the Site or Services to violate any law (whether local, state/provincial/territorial, national, or international), whether or not intentionally;
• Impersonating any person or entity, or falsely stating or otherwise misrepresenting your affiliation with any person or entity;
• Manipulating identifiers in order to disguise the origin of any question, answer, or comment you post on the Site;
• Engaging in “screen scraping,” “database scraping,”; and/or
• Facilitating violations of this TOU or the Privacy Policy.

17. Privacy

This Site may collect personal information from some Users. Please review our Privacy Policy to understand what information we collect and store, how that information is used, how we may share that information and your rights in connection with your personal information. The Privacy Policy is incorporated by reference and made a part of this TOU.

18. Communications

When you visit our Site, use any of our Services, or send us an email, you expressly indicate your consent to electronically receive any and all communications, notices, and our disclosures that we may provide in connection with your use of the Site and/or Services, including, without limitation, e-mail, in-app, and in-website chat communications.

All agreements, notices, and communications that we provide to you by email will satisfy all legal requirements that they are in writing and delivered to you. Coincu will have the right to disclose any email sent by a User, or any objectionable material, to comply with legal process or to protect the rights or property of Coincu, its customers, suppliers, and Users.

Any such notices may also include emails with promotional, marketing, and advertising information and recommendations that we believe may be of interest to you, in accordance with applicable law.

If you provide your telephone number to us when you register for an Account or use other Coincu Services on the Site, you expressly consent to receive autodial or prerecorded calls and text messages from Coincu at that number. If a telephone number is a mobile telephone number, you hereby consent to receive SMS or text messages at that number.

We may place such calls or texts to (i) notify you about your account and any use thereof; (ii) provide you with services associated with the Online Courses, Webinars, etc.; (iii) troubleshoot problems with your account; (iv) resolve disputes; (v) contact you with offers and promotions; or (vii) as otherwise necessary to service your account or enforce these TOU, our policies, applicable law, or any other agreement we may have with you.

We will not share your phone number with third parties for their purposes without your consent. We may share your phone numbers with our Affiliates or with our service providers, such as customer support, billing, or collections companies, whom we have contracted with to assist us in pursuing our rights or performing our obligations under these TOU, our policies, applicable law, or any other agreement we may have with you.

You agree these parties may also contact you using autodial or prerecorded calls and text messages, as authorized by us to carry out the purposes we have identified above, and not for their own purposes. Standard telephone minute and text charges may apply.

You understand and consent that we may, at our discretion, monitor or record telephone conversations you or anyone acting on your behalf has with us or our agents for quality control and training purposes or for our own protection.

You acknowledge and understand that, while your communications with us may be overheard, monitored, or recorded, not all telephone lines or calls may be recorded by us, and we do not guarantee that recordings of any particular telephone calls will be retained or retrievable.

19. Feedback

We welcome all feedback, ideas, inventions, materials, and suggestions (“Feedback”) from our Users regarding our Services. You understand and agree that Coincu does not waive any rights to use similar and/or related Feedback previously or contemporaneously known to it, whether developed by its employees, or contractors, obtained from other sources, or submitted by other Users.

Further, by submitting any Feedback, you grant us the right to use the Feedback without any restrictions on the use of such Feedback or any compensation to you.

20. Subscription services

Although Coincu offers services in many parts of the world, certain Coincu services may not be available in or suitable for certain countries or locales. We reserve the right to discontinue or to make changes to, our Site and any of our Services at any time without advance notice.

V. DISCLAIMER OF WARRANTIES

THE SITE AND SERVICES ARE PROVIDED FOR INFORMATIONAL PURPOSES ONLY. NO CONTENT ON OUR SITE IS INTENDED TO CONSTITUTE PROFESSIONAL ADVICE, WHETHER MEDICAL, FINANCIAL, LEGAL OR OTHERWISE. YOUR USE OF THE SITE, THE WIDGETS, AND SERVICES IS AT YOUR SOLE RISK. THE SITE, THE WIDGETS, AND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. COINCU MAKES NO REPRESENTATION OR WARRANTY THAT THE SITE, THE WIDGETS, OR SERVICES WILL MEET YOUR REQUIREMENTS, OR WILL BE UNINTERRUPTED, SECURE, CURRENT, OR ERROR-FREE, OR THAT THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SITE, THE WIDGETS, AND SERVICES WILL BE ACCURATE, TIMELY, USEFUL OR RELIABLE. TO THE GREATEST EXTENT PERMITTED BY LAW, COINCU DISCLAIMS ALL WARRANTIES, REPRESENTATIONS, AND CONDITIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, CONCERNING TO THE USE OF THE WIDGETS THE SITE, AND ITS SERVICES, OR THE ACCURACY, COMPLETENESS, TIMELINESS OR CURRENTNESS OF ITS CONTENT, IN ANY WAY AND FOR ANY PURPOSE.

VI. EXCLUSION OF CONSEQUENTIAL DAMAGES

IN NO EVENT WILL COINCU BE LIABLE FOR ANY INCIDENTAL, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR INDIRECT DAMAGES ARISING OUT OF THE USE OF OR INABILITY TO USE THE WIDGETS THIS WEBSITE OR ANY OF ITS SERVICES OR CONTENT, OR LOSS OF DATA, EVEN IF COINCU HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, PRODUCT LIABILITY, STRICT LIABILITY OR OTHERWISE.

VII. EXCLUSION OF LIMITATIONS AND DISCLAIMERS

BECAUSE SOME JURISDICTIONS, SUCH AS NEW JERSEY, RESTRICT OR DO NOT ALLOW THE DISCLAIMER OF WARRANTIES, OR THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH JURISDICTIONS Coincu’S LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

General

This TOU, and any applicable TOS, constitute the entire agreement between each User and Coincu governing the User’s access to and use of the Site and its Services and supersede all prior agreements regarding its subject matter.

The TOU shall be governed by the laws of the State of New York without giving effect to any principles of conflicts of laws. Each User hereby attorns and agrees to the non-exclusive jurisdiction of the courts of the British.

The failure by a User or Coincu to exercise any right or to enforce any provision of this TOU shall not constitute a waiver of such right or provision. If any provision of this TOU is found by a court of competent jurisdiction to be invalid or unenforceable, the court shall give effect to the intentions reflected in the provision to the degree possible, and the other provisions of this TOU will remain in full force and effect.