Terms of Use

These Terms of Use (“Terms”) govern your use of cozyharbor.org (the “Site”), operated by [LEGAL ENTITY NAME], LLC d/b/a CozyHarbor (“CozyHarbor,” “we,” “us”). By using the Site you agree to these Terms. If you do not agree, please do not use the Site.

Informational purpose only

CozyHarbor is an independent publisher of general household information. Content on the Site is for educational purposes and is not financial, tax, legal, medical or other professional advice. CozyHarbor is not a government agency, financial institution, or assistance provider, is not affiliated with any government program described on the Site, does not determine eligibility, and does not process applications. Program rules and amounts change; always confirm details with the official agency or a qualified professional.

Tools

Our planners and checklists are simple estimation aids provided “as is.” Results depend entirely on the numbers you enter and are not a recommendation. Data you enter in the tools is stored in your own browser.

Text messages

Participation in CozyHarbor Updates is optional and governed by our SMS Terms & Conditions, which are part of these Terms.

Intellectual property

Text, graphics, logos and the arrangement of the Site are owned by CozyHarbor or its licensors. Photographs are used under the Unsplash License. You may print or save pages for personal, non-commercial use. Any other reproduction requires our written permission.

Acceptable use

Do not misuse the Site — for example, by attempting to disrupt it, submitting false information through our forms, or using automated tools to scrape it.

Third-party links

We link to government agencies and other outside sites for your convenience. We don’t control those sites and aren’t responsible for their content or practices.

Disclaimer and limitation of liability

The Site is provided “as is” and “as available,” without warranties of any kind. To the fullest extent permitted by law, CozyHarbor is not liable for any indirect, incidental or consequential damages arising from your use of the Site, and our total liability for any claim is limited to one hundred U.S. dollars ($100).

Governing law

These Terms are governed by the laws of the State of [STATE], without regard to conflict-of-law rules.

Changes

We may update these Terms from time to time. Continued use of the Site after changes means you accept the revised Terms.

Contact

[LEGAL ENTITY NAME], LLC d/b/a CozyHarbor · [STREET ADDRESS], [CITY, STATE ZIP] · [BUSINESS PHONE NUMBER] · support@cozyharbor.org