Terms of Use

These Terms of Use ("Terms") govern your access to and use of cobosadvisory.com (the "Site"), operated by Cobos Advisory, LLC ("Cobos Advisory," "we," "us," or "our"). By accessing or using the Site, you agree to these Terms. If you do not agree, do not use the Site.

No Professional Relationship or Advice

The Site and its content are provided for general informational purposes only and do not constitute tax, accounting, legal, or financial advice. Using the Site, contacting us, or submitting information does not create a CPA-client, advisory, or other professional relationship. A professional relationship is formed only upon execution of a written engagement agreement between you and Cobos Advisory. Do not act on any information from the Site without seeking advice tailored to your specific circumstances.

Our Services

Cobos Advisory provides tax planning, advisory, accounting, and related services. Descriptions of services, results, savings, or guarantees presented on the Site are illustrative and subject to the specific terms of a signed engagement agreement. Any savings guarantee, refund policy, or performance commitment is governed exclusively by the terms set out in your engagement agreement, which control over any summary or description appearing on the Site.

No Guarantee of Results

Tax and financial outcomes depend on your individual facts, applicable law, and IRS or state interpretation. Examples, case studies, and figures shown on the Site reflect past or hypothetical results and do not guarantee any particular outcome for you.

Intellectual Property

All content on the Site — including text, graphics, logos, and materials — is owned by or licensed to Cobos Advisory and is protected by intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from Site content without our prior written permission.

Acceptable Use

You agree not to use the Site for any unlawful purpose, to interfere with its operation, to attempt unauthorized access, or to submit false or misleading information.

Third-Party Links and Tools

The Site may contain links to or integrations with third-party websites and tools. We do not control and are not responsible for their content, practices, or availability.

Disclaimer of Warranties

The Site is provided "as is" and "as available" without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or secure.

Limitation of Liability

To the fullest extent permitted by law, Cobos Advisory and its members, employees, and agents will not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Site. Our total liability for any claim relating to the Site will not exceed one hundred dollars ($100).

Indemnification

You agree to indemnify and hold harmless Cobos Advisory and its members, employees, and agents from any claims, losses, or expenses arising from your use of the Site or your violation of these Terms.

Governing Law and Venue

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-law principles. Any dispute arising from these Terms or the Site will be resolved in the state or federal courts located in Miami-Dade County, Florida, and you consent to their jurisdiction and venue.

Changes to These Terms

We may revise these Terms at any time. The "Last Updated" date above reflects the most recent version. Your continued use of the Site after changes take effect constitutes acceptance of the revised Terms.

Contact Us

Cobos Advisory, LLC 1221 Brickell Avenue, Miami, FL 33131 contact@cobosadvisory.com