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Terms of Service

Last updated: January 2024

1. Agreement to Terms

By accessing and using the Consopamt website and services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Use License

Permission is granted to temporarily access the materials (information or software) on Consopamt's website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

  • Modify or copy the materials
  • Use the materials for any commercial purpose or for any public display
  • Attempt to reverse engineer any software contained on Consopamt's website
  • Remove any copyright or other proprietary notations from the materials
  • Transfer the materials to another person or "mirror" the materials on any other server

3. Disclaimer

The materials on Consopamt's website are provided on an 'as is' basis. Consopamt makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

4. Financial Advice Disclaimer

The information provided by Consopamt is for general informational purposes only. All information on the site is provided in good faith, however we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the site.

Under no circumstance shall we have any liability to you for any loss or damage of any kind incurred as a result of the use of the site or reliance on any information provided on the site. Your use of the site and your reliance on any information on the site is solely at your own risk.

5. Professional Relationship

The use of our website and services does not create a professional-client relationship between you and Consopamt unless explicitly agreed upon through a separate written agreement. Financial advice provided through our services should not be considered as a substitute for professional financial planning advice tailored to your specific circumstances.

6. Limitations

In no event shall Consopamt or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Consopamt's website, even if Consopamt or a Consopamt authorized representative has been notified orally or in writing of the possibility of such damage.

7. Accuracy of Materials

The materials appearing on Consopamt's website could include technical, typographical, or photographic errors. Consopamt does not warrant that any of the materials on its website are accurate, complete, or current. Consopamt may make changes to the materials contained on its website at any time without notice.

8. Links

Consopamt has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Consopamt of the site. Use of any such linked website is at the user's own risk.

9. Modifications

Consopamt may revise these terms of service for its website at any time without notice. By using this website you are agreeing to be bound by the then current version of these terms of service.

10. Privacy

Your use of Consopamt's website is also governed by our Privacy Policy. Please review our Privacy Policy, which also governs the site and informs users of our data collection practices.

11. Governing Law

These terms and conditions are governed by and construed in accordance with the laws of New York, United States, and you irrevocably submit to the exclusive jurisdiction of the courts in that location.

12. User Accounts

When you create an account with us, you must provide information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account on our service.

13. Intellectual Property

The service and its original content, features, and functionality are and will remain the exclusive property of Consopamt and its licensors. The service is protected by copyright, trademark, and other laws of both the United States and foreign countries.

14. Termination

We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. Upon termination, your right to use the service will immediately cease.

15. Contact Information

If you have any questions about these Terms of Service, please contact us: