Terms of Service

These Terms of Service ("Terms") govern your use of the website and services provided by [REPLACE: company legal name] ("COHFP", "we", "us"). By using this site, you agree to these Terms.

No legal, financial, or tax advice

COHFP provides educational counseling and resources. We are not a law firm, a lender, or a tax preparer. Information on this site and from our counselors is general guidance, not legal, financial, or tax advice. Always consult a licensed Colorado attorney, accountant, or financial professional for advice on your specific situation.

Eligibility and use

You must be at least 18 years old to use this site. You agree to use the site only for lawful purposes and not to interfere with its operation.

Intellectual property

All content on this site — text, logos, graphics, and code — is owned by COHFP or its licensors and is protected by copyright and trademark law. You may not reproduce, distribute, or create derivative works without our written permission.

No warranties

This site and its content are provided "as is" without warranties of any kind, express or implied. We do not guarantee any particular outcome from any counseling, program, or referral.

Limitation of liability

To the maximum extent permitted by law, COHFP is not liable for any indirect, incidental, special, or consequential damages arising from your use of the site or any service we provide.

Third-party links and referrals

We sometimes link to or refer you to third parties (attorneys, contractors, agents, lenders). Their services are governed by their own agreements, and we are not responsible for them.

Governing law

These Terms are governed by the laws of the State of [REPLACE: jurisdiction]. Any dispute will be resolved in the courts of [REPLACE: jurisdiction].

Changes

We may update these Terms from time to time. The effective date above reflects the most recent change.

Contact

Questions? Contact [REPLACE: company legal name] at [REPLACE: contact email].