Welcome to COTinsights. These Terms of Service ("Terms") govern your access to and use of our website located at cotinsights.com ("Website"). By accessing or using our Website, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Website.

1. Acceptance of Terms

By accessing or using our Website, you acknowledge that you have read, understood, and agree to be bound by these Terms, along with our Privacy Policy. These Terms constitute a legally binding agreement between you and COTinsights.

2. Changes to Terms

We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting on our Website. Your continued use of our Website after the posting of any modified Terms constitutes your acceptance of the modified Terms. It is your responsibility to review these Terms periodically to stay informed of any updates.

3. Access to Website

3.1. We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use our Website for personal, non-commercial purposes.

3.2. You agree not to:

• Use our Website in any way that violates any applicable local, state, national, or international law or regulation;
• Use our Website to transmit or send unsolicited commercial communications;
• Use our Website to engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Website;
• Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of our Website, the server on which our Website is stored, or any server, computer, or database connected to our Website;
• Attack our Website via a denial-of-service attack or a distributed denial-of-service attack;
• Use any robot, spider, or other automatic device, process, or means to access our Website for any purpose, including monitoring or copying any of the material on our Website;
• Use any manual process to monitor or copy any of the material on our Website or for any other unauthorized purpose without our prior written consent.

4. Intellectual Property Rights

4.1. The Website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by COTinsights, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

4.2. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any material on our Website, except as follows:

• Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials;
• You may store files that are automatically cached by your web browser for display enhancement purposes;
• You may print or download one copy of a reasonable number of pages of the Website for your own personal, non-commercial use and not for further reproduction, publication, or distribution;
• If we provide social media features with certain content, you may take such actions as are enabled by such features.

5. User Content

5.1. Our Website may allow you to submit, post, or share content, including but not limited to comments, feedback, and suggestions ("User Content").

5.2. You retain ownership rights in your User Content. However, by submitting User Content to our Website, you grant us a worldwide, non-exclusive, royalty-free, sublicensable, and transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform your User Content in connection with the Website and our business, including without limitation for promoting and redistributing part or all of the Website.

5.3. You represent and warrant that: (i) you own or have the necessary rights to your User Content and have the right to grant the license above; (ii) your User Content does not violate the privacy rights, publicity rights, copyright rights, or other rights of any person or entity; and (iii) your User Content does not contain any material that is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable.

6. Prohibited Content

You agree not to post, submit, or share any content that:

• Is illegal, fraudulent, deceptive, or misleading;
• Infringes on any patent, trademark, trade secret, copyright, or other intellectual property rights of any party;
• Violates or encourages conduct that would violate any applicable law or regulation or would give rise to civil liability;
• Is offensive, abusive, threatening, harassing, defamatory, libelous, or invasive of another's privacy;
• Contains sexually explicit content or is pornographic in nature;
• Promotes discrimination, bigotry, racism, hatred, harassment, or harm against any individual or group;
• Promotes illegal or harmful activities or substances;
• Contains software viruses, malware, or any other computer code designed to interrupt, destroy, or limit the functionality of any computer software, hardware, or telecommunications equipment.

7. Third-Party Websites and Content

7.1. Our Website may contain links to third-party websites or services that are not owned or controlled by COTinsights.

7.2. COTinsights has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. We do not warrant the offerings of any of these entities/individuals or their websites.

7.3. You acknowledge and agree that COTinsights shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such third-party websites or services.

8. Advertising

8.1. Our Website displays advertisements from third parties, including Google AdSense. These advertisements are clearly marked and are not endorsements by COTinsights.

8.2. Third-party advertisers may use cookies, JavaScript, web beacons, and other technologies to measure the effectiveness of their ads and to personalize advertising content. We have no access to or control over these cookies or other technologies that may be used by third-party advertisers.

8.3. You agree that we are not responsible for any loss or damage of any sort relating to your dealings with these third-party advertisers.

8.4. Google AdSense Policies

Our website uses Google AdSense for displaying advertisements. We strictly adhere to the Google AdSense Program policies. These policies prohibit, among other things:

• Invalid clicks and impressions, including clicking on our own ads or using any means to artificially inflate impressions and/or clicks
• Encouraging users to click on ads or offering compensation for viewing ads
• Using traffic from non-compliant sources such as paid-to-click programs or unwanted emails
• Placing ads in inappropriate locations or in ways that might be mistaken for navigation elements
• Implementing site behavior that interferes with user navigation or experience

For complete details on how we comply with Google AdSense policies, please review our AdSense Policy page.

9. Disclaimer of Warranties

9.1. YOUR USE OF THE WEBSITE IS AT YOUR SOLE RISK. THE WEBSITE AND ALL CONTENT INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE WEBSITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

9.2. TO THE FULLEST EXTENT PROVIDED BY LAW, COTINSIGHTS HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE.

9.3. THE INFORMATION PROVIDED ON THE WEBSITE IS FOR GENERAL INFORMATION PURPOSES ONLY AND DOES NOT CONSTITUTE FINANCIAL, INVESTMENT, TAX, OR LEGAL ADVICE. NO INFORMATION ON THIS WEBSITE SHOULD BE CONSIDERED A RECOMMENDATION OR SOLICITATION TO BUY OR SELL ANY SECURITIES OR FINANCIAL INSTRUMENTS.

9.4. PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS. YOU SHOULD CONDUCT YOUR OWN RESEARCH AND CONSULT A QUALIFIED FINANCIAL ADVISOR BEFORE MAKING ANY INVESTMENT DECISIONS.

10. Limitation of Liability

10.1. TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL COTINSIGHTS, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE.

10.2. THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

11. Indemnification

You agree to defend, indemnify, and hold harmless COTinsights, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Website, including, but not limited to, your User Content, any use of the Website's content, services, and products other than as expressly authorized in these Terms, or your use of any information obtained from the Website.

12. Geographic Restrictions

We provide this Website for use by persons located in the United States. We make no claims that the Website or any of its content is accessible or appropriate outside of the United States. Access to the Website may not be legal by certain persons or in certain countries. If you access the Website from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.

13. Termination

13.1. We may terminate or suspend your access to all or part of the Website, without notice, for any conduct that we, in our sole discretion, believe violates these Terms or is harmful to other users of the Website, us, or third parties, or for any other reason.

13.2. Upon termination, your right to use the Website will immediately cease.

14. Governing Law and Jurisdiction

14.1. These Terms and your use of the Website will be governed by and construed in accordance with the laws of the State of [Your State], without giving effect to any choice or conflict of law provision or rule.

14.2. Any legal suit, action, or proceeding arising out of, or related to, these Terms or the Website shall be instituted exclusively in the federal courts of the United States or the courts of the State of [Your State], although we retain the right to bring any suit, action, or proceeding against you for breach of these Terms in your country of residence or any other relevant country.

15. Waiver and Severability

15.1. No waiver by COTinsights of any term or condition set out in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of COTinsights to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

15.2. If any provision of these Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms will continue in full force and effect.

16. Entire Agreement

These Terms, our Privacy Policy, and any other documents they expressly incorporate by reference constitute the sole and entire agreement between you and COTinsights regarding the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Website.

17. Contact Information

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

Email: mustafamun@cotinsights.com
Address: 123 Financial Plaza, Suite 456, Trading City, TC 12345

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