Introduction

Welcome to Coram Deo Advisors (“Company”, “we”, “us”, or “our”). By accessing or using this website (the “Coram Deo Advisors”), you agree to abide by these Terms and Conditions (the “Terms”). Please read these Terms carefully. If you disagree with any part of these Terms, please do not use our Site.

1. Acceptance of Terms

By accessing or using our Site, you agree to these Terms and acknowledge that all applicable laws and regulations bind you. These Terms constitute a legally binding agreement between you and Coram Deo Advisors.

2. Eligibility

The Site and services are intended for individuals 18 years of age or older and with the legal capacity to enter into a binding contract. By using the Site, you confirm that you meet these eligibility requirements. You are prohibited from using our Site if you do not meet these criteria.

3. No Financial, Investment, or Legal Advice

All content and services provided on the Site are for informational purposes only and do not constitute financial, investment, or legal advice. Any financial decisions you make based on information from our Site are solely your responsibility. You should seek independent professional advice before making any financial or investment decisions.

4. Services Provided

Our Site offers services and information related to financial planning and advisory, which may include:
Educational Content: Articles, blogs, and tools that provide general information on financial topics.

Consultations: Access to financial consultations with our advisors. These consultations do not guarantee any specific financial outcome or investment performance.

Account Access: If applicable, you may access your financial planning account information through our Site. Use of such services is subject to additional terms and conditions.

5. Third-Party Content and Links

Our Site may contain links to third-party websites or services. These links are provided for your convenience, and we are not responsible for the content, accuracy, or reliability of any third-party sites. Inclusion of any link does not imply endorsement by Coram Deo Advisors. Your use of third-party websites is at your own risk, and you should review their terms and privacy policies.

6. Account Registration and Security

If you create an account on our Site:
You agree to provide accurate, current, and complete information.

You are responsible for maintaining your account’s confidentiality and password and restricting access to your account.

You accept responsibility for all activities that occur under your account and agree to notify us immediately of any unauthorized access or security breaches.

7. Intellectual Property

All content, trademarks, logos, and other intellectual property on this Site are owned by or licensed to Coram Deo Advisors. You may not copy, distribute, modify, or use any content from the Site without our prior written permission. This includes, but is not limited to, articles, graphics, logos, and code.

8. User-Generated Content

Certain site areas may allow you to post or upload content (e.g., comments, testimonials, reviews). By submitting content, you grant Coram Deo Advisors a non-exclusive, worldwide, royalty-free, transferable license to use, display, reproduce, and distribute your content. We reserve the right to monitor, modify, or remove any content submitted to the Site.

9. Disclaimers and Limitation of Liability

No Warranty: The Site and its contents are provided on an “as is” and “as available” basis. We make no warranties, express or implied, about our services’ accuracy, reliability, suitability, or availability or the Site’s content.

Limitation of Liability: In no event shall Coram Deo Advisors, its employees, directors, or affiliates be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of, or inability to use, our Site or services. This limitation applies to the fullest extent permitted by law.

Investment Risks: All investments carry risks, and past performance does not indicate future results. We do not guarantee any specific outcome or return from your use of our financial advisory services.

10. Indemnification

You agree to indemnify, defend, and hold harmless Coram Deo Advisors and its affiliates, officers, directors, and employees from and against any claims, damages, liabilities, losses, or expenses arising out of or related to:

Your use or misuse of the Site or services.

Your violation of these Terms or any applicable laws.

Any content you post or submit to the Site.

11. Privacy Policy

Our Privacy Policy, which explains our data collection, usage, and protection practices, is part of these Terms. By using our Site, you agree to the terms of our Privacy Policy, which is available.

12. Modifications to the Site and Services

We reserve the right to change, suspend, or discontinue any part of the Site, its features, or services at any time, with or without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuance of the Site or services.

13. Termination

We reserve the right to suspend or terminate your access to the Site and services at our sole discretion, with or without notice, if we believe you have violated these Terms or for any other reason. Termination of access will not affect your obligations under these Terms, which are intended to survive termination.

14. Governing Law

These Terms and your use of the Site shall be governed by the laws of [Your Jurisdiction], without regard to its conflict of laws principles. You agree to submit to the exclusive jurisdiction of the courts in Lancaster, Pennsylvania, for any disputes arising from or related to these Terms or the Site.

15. Dispute Resolution and Arbitration

Any dispute arising out of or related to these Terms or your use of our Site shall be resolved through binding arbitration conducted under the rules of the American Arbitration Association in Lancaster, Pennsylvania. You agree to waive any right to a trial by jury or to participate in a class action lawsuit.

16. Limitation on Time to File Claims

Any claim you may have related to your use of the Site or these Terms must be filed within one (1) year after the claim arises; otherwise, the claim is permanently barred.

17. Entire Agreement

These Terms, along with our Privacy Policy and any other agreements or policies referenced herein, constitute the entire agreement between you and Coram Deo Advisors regarding the use of the Site.
They supersede any prior agreements, communications, or representations.

18. Changes to Terms

We reserve the right to update or modify these Terms at any time. We will update the “Effective Date” at the bottom of these Terms when we make changes. Your continued use of the Site after any changes indicate your acceptance of the modified Terms.

19. Contact Us

If you have any questions, concerns, or comments about these Terms, please contact us at team@coramdeoadvisors.com

Effective Date: November 1, 2024