Terms of Service

Welcome to Consultado. These Terms of Service govern your access to and use of our services, features, content, and applications (the ‘Services’). By using our Services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you should not use our Services.

1. Acceptance of Terms

By accessing or using our Services, you confirm that you are at least 18 years old and have the legal capacity to enter into these Terms. If you are using the Services on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

2. Changes to Terms

Consultado reserves the right to modify these Terms at any time. Any changes will be effective immediately upon posting on our website. Continued use of the Services after any changes constitutes acceptance of the new Terms. We encourage you to review these Terms periodically.

3. Services Offered

Consultado offers a variety of retirement investing services, including but not limited to:

• Investment advice and portfolio management
• Retirement planning tools and resources
• Educational content regarding retirement investing

Our Services are intended for informational purposes only and should not be construed as financial advice.

4. User Accounts

To access certain features of our Services, you may need to create an account. When you create an account, you must provide accurate and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

5. User Conduct

As a condition of your use of the Services, you agree to comply with all applicable laws and regulations and to refrain from the following:

• Using the Services for any unlawful purpose.
• Impersonating any person or entity or misrepresenting your affiliation with any person or entity.
• Interfering with or disrupting the Services or violating the security of the Services.
• Posting or transmitting any information that is unlawful, harmful, threatening, abusive, defamatory, vulgar, obscene, or otherwise objectionable.

6. User Content

You may have the opportunity to submit or post content on or through the Services. By submitting any content, you grant Consultado a worldwide, non-exclusive, royalty-free, perpetual, and fully sublicensable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media.

7. Third-Party Services

Our Services may contain links to third-party websites or services. These links are provided for convenience and do not constitute endorsement by Consultado of the content or services offered by such third parties. Consultado is not responsible for the availability or accuracy of these third-party sites or services.

8. Disclaimers

Consultado provides the Services on an ‘as-is’ and ‘as-available’ basis. We do not warrant that our Services will be uninterrupted, secure, or free from errors. Consultado disclaims all express or implied warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

9. Limitation of Liability

To the fullest extent permitted by law, in no event shall Consultado or its affiliates, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation loss of profits or revenues, data, or use, incurred by you or any third party, arising from or related to your use of the Services.

10. Indemnification

You agree to indemnify, defend, and hold harmless Consultado and its affiliates from and against any claims, losses, liabilities, damages, judgments, costs, or expenses (including reasonable legal fees) arising out of or relating to:

• Your use of the Services.
• Your violation of these Terms.
• Your violation of any rights of a third party.
• Your violation of any applicable laws or regulations.

11. Termination

Consultado reserves the right to suspend or terminate your account or access to our Services at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users or the business of Consultado.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Consultado operates, without regard to its conflict of law provisions.

13. Dispute Resolution

Any disputes arising out of or related to these Terms or the Services shall be resolved through binding arbitration. The arbitration shall be conducted in accordance with the rules of the chosen arbitration provider, and the decision of the arbitrator shall be final and binding on both parties.

14. Miscellaneous

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining provisions shall remain in full force and effect. These Terms constitute the entire agreement between you and Consultado regarding your use of the Services.

15. Contact Us

If you have any questions about these Terms or the Services, please contact us through the various channels provided on our website.

16. Acknowledgment

By using our Services, you acknowledge that you have read these Terms of Service and agree to be bound by them.