Terms of Use

Effective Date: August 10, 2026 · Last Updated: August 10, 2026

1. Definitions

• "Site" means coflowy.org and any subdomains, pages, quizzes, forms, newsletters, and messaging programs operated by the Operator.
• "We," "us," "our," or "Coflowy" means Coflowy LLC and, where the context requires, its affiliates within the Neoage group.
• "You" means any person who visits or uses the Site.
• "Content" means all text, quizzes, graphics, and other materials made available on or through the Site.
• "Submission" means information you send us, including quiz answers, your name, email address, and any phone number you choose to provide.

2. Acceptance of These Terms

By accessing or using the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must not use the Site. These Terms form a legally binding agreement between you and Coflowy LLC.

3. Relationship to the Privacy Policy

Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. If there is a conflict between these Terms and the Privacy Policy on a privacy matter, the Privacy Policy controls.

4. Eligibility

The Site is intended for people who are at least 18 years old and located in the United States. If you access the Site from outside the United States, you do so at your own risk and are responsible for complying with local law.

5. What Coflowy Is and Is Not

Coflowy is a publisher of free educational content about personal finance. We write about budgeting, saving, spending awareness, and how ordinary money decisions add up over time.

We are not a lender, loan broker, credit repair organization, debt settlement or debt relief provider, credit bureau, insurance carrier, investment adviser, or financial institution. We do not offer, sell, arrange, or recommend any financial product, and we do not compare, rank, or match you with providers or offers of any kind.

Nothing on the Site is an application for anything, and using the Site does not create any client, advisory, or fiduciary relationship between you and us.

6. Educational Content Only — No Professional Advice

The Content is provided for general informational and educational purposes only. It is not financial, investment, legal, tax, or accounting advice, and it is not tailored to your individual circumstances. Quiz results are a general, educational description of habit patterns based on the answers you select — they are not an assessment of your financial condition, creditworthiness, or eligibility for anything.

Before acting on anything you read here, consult a qualified professional who can consider your specific situation. You are solely responsible for your own financial decisions.

7. Permitted Use; License

Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Site and to view Content for your own personal, non-commercial use.

You may not copy, reproduce, republish, distribute, publicly display, create derivative works from, reverse engineer, scrape, or systematically extract the Site or Content without our prior written consent.

8. Prohibited Conduct

You agree not to:

• Use the Site for any unlawful, fraudulent, or deceptive purpose.
• Submit false, misleading, or stolen information, or another person's contact details.
• Provide a phone number you are not the subscriber of, or are not authorized to give consent for.
• Interfere with or disrupt the Site, or attempt to gain unauthorized access to any system or account.
• Use bots, scrapers, or automated means to access the Site, except for well-behaved search engine crawlers.
• Circumvent any security, rate-limiting, or access control measure.
• Use the Site or Content to build a competing product, or to train a machine learning model, without our written permission.

9. Your Submissions

You are responsible for your Submissions and represent that the information you give us is accurate and that you are authorized to provide it. If you provide a mobile number, you represent that you are the subscriber or customary user of that number and that you are authorized to consent to receive text messages at it.

You grant us and our service providers the right to use your Submission to provide the Services described in these Terms and our Privacy Policy.

10. Messaging Program (SMS and Email)

Email. When you complete a quiz we send your results by email and may send further educational content. Every marketing email contains an unsubscribe link. We may still send transactional messages needed to respond to a request you made.

How to stop. Reply STOP to any text message, use the unsubscribe link in any email, or email support@coflowy.org and we will remove you.

11. Intellectual Property

The Site and Content are owned by the Operator or its licensors and are protected by U.S. and international intellectual property laws. "Coflowy" and our logos are our trademarks. You may not use them without our prior written consent.

If you believe Content on the Site infringes your copyright, send a notice with the information required by the DMCA to support@coflowy.org.

12. Third-Party Links

The Site may link to third-party resources, such as government agencies or nonprofit financial education organizations. We do not control those sites and are not responsible for their content, accuracy, or practices. A link is a reference, not an endorsement or a recommendation of any product or service.

13. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.

WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT THE CONTENT IS COMPLETE, CURRENT, OR ACCURATE. ANY RELIANCE ON THE CONTENT IS AT YOUR OWN RISK.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE OPERATOR OR ITS AFFILIATES, OFFICERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATING TO YOUR USE OF THE SITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US$100).

Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

15. Indemnification

You agree to defend, indemnify, and hold harmless the Operator and its affiliates, and their officers, directors, employees, and agents, from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or related to:

• Your access to or use of the Site.
• Your Submissions, or any allegation that your Submission was false or unauthorized.
• Your provision of a phone number you were not authorized to provide or consent for.
• Your violation of these Terms or of any applicable law.

We reserve the right to assume the exclusive defense and control of any matter subject to indemnification, at your expense.

16. Arbitration Agreement; Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. It affects your rights and changes how disputes between you and us are resolved.

Except for disputes eligible for small claims court and requests for injunctive relief regarding intellectual property, you and we agree that any dispute arising out of or relating to these Terms or the Site will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, in accordance with the Federal Arbitration Act.

Arbitration will be conducted by a single arbitrator. The arbitrator may award the same damages and relief that a court could award to an individual claimant. The arbitrator's decision is final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

Class Action Waiver. You and we agree that claims must be brought in an individual capacity only, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. If this class waiver is found unenforceable, then this entire arbitration provision will be null and void as to the affected claims.

Opt-out. You may reject this arbitration agreement by sending written notice to support@coflowy.org within 30 days of first using the Site, stating your name and your intent to opt out of arbitration. Opting out does not affect any other part of these Terms.

17. Governing Law and Venue

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules. To the extent a dispute is not subject to arbitration, you agree to the exclusive jurisdiction and venue of the state and federal courts located in Orange County, Florida.

18. Termination

We may suspend or terminate your access to the Site at any time, with or without notice, for any reason, including a breach of these Terms. Upon termination, the license granted in Section 7 ends immediately. Provisions that by their nature should survive termination — including Sections 13 through 17 — will survive.

19. Changes to These Terms

We may update these Terms from time to time. The "Last Updated" date above reflects the most recent version. Your continued use of the Site after a change takes effect means you accept the revised Terms.

20. Miscellaneous

• Severability: if any provision is found unenforceable, the remainder stays in effect.
• No waiver: our failure to enforce a provision is not a waiver of it.
• Assignment: you may not assign these Terms; we may assign them in connection with a merger, acquisition, or sale of assets.
• Entire agreement: these Terms and the Privacy Policy are the entire agreement between you and us regarding the Site.
• Electronic communications: you consent to receive notices from us electronically.

21. Contact

Coflowy LLC
7345 W Sand Lake Rd, STE 210, OF 7863, Orlando, FL 32819
support@coflowy.org