By purchasing or accessing the "US Bank + Stripe" video guide ("Product"), you ("Client," "you") agree to the following Terms and Conditions. This Product is offered by Cotual LLC ("Company," "we," "us," "our"). These Terms apply specifically to this Product and govern your purchase independently of any other Cotual service or agreement.

1. Nature of the Product

This Product is a self-serve digital video guide. It is educational and informational content only. It does not include:

- Consulting sessions

- One-on-one support

- Application submission on your behalf

- Any form of ongoing service or engagement

Cotual LLC does not form entities, open bank accounts, create Stripe accounts, or submit any application for you. You perform every step yourself using the guide as reference.

2. No Advice, No Guarantee

Cotual LLC does not provide legal, tax, financial, or accounting advice. All content is general information based on the founder's own experience and is not a substitute for professional advice specific to your situation.

We do not guarantee that you will be approved for a US bank account, a Stripe account, or any third-party service. Approval decisions are made solely by banks, Stripe, and other third parties, based on their own policies, which can change at any time and vary by country. Following the guide does not guarantee any particular outcome.

3. Delivery

Upon successful payment, an access link to the video guide will be sent to the email address you provide at checkout. You are responsible for:

- Entering a valid, active email address

- Checking spam or promotions folders

- Contacting us at musa@cotual.com if you do not receive access within 24 hours

Non-delivery caused by an incorrect email address provided by you is not grounds for a refund, but we will make reasonable efforts to resend access once the correct address is confirmed.

4. Payment and Pricing

The Product is offered as a one-time payment. This fee covers access to the video guide only. It does not include and is not related to:

- Government or state filing fees

- Bank fees

- Stripe or other payment processor fees

- Registered agent, virtual address, or bookkeeping costs

- Any other third-party cost

Any such costs are your sole responsibility and are paid directly to the relevant third party.

5. All Sales Final

Because this is a digital product delivered instantly upon payment, all sales are final and non-refundable, including if:

- You decide not to use the guide

- You are unable to get approved by a bank or Stripe after using the guide

- You change your mind after purchase

This applies once access has been delivered to the email address provided. No exceptions are made for outcomes outside our control, including third-party approval decisions.

6. License and Restrictions

Access to the video guide is licensed to you for personal, non-commercial use only. You may not:

- Share, resell, or redistribute the guide or your access link

- Reproduce, copy, or publish any part of the content

- Use the content to create a competing product or service

Cotual LLC reserves the right to revoke access without refund if these restrictions are violated.

7. Testimonials

Testimonials shown on the landing page reflect real experiences of past clients. They do not represent a typical or guaranteed result. Individual outcomes depend on your country, business type, documentation, and third-party policies at the time you apply.

8. Limitation of Liability

To the maximum extent permitted by law, Cotual LLC is not liable for:

- Decisions made by banks, Stripe, or any other third party

- Rejected applications, frozen accounts, or policy changes

- Any business, revenue, or opportunity loss

- Delays outside our direct control

The Product is provided "as is" and "as available," without warranties of any kind.

9. Governing Law

These Terms are governed by the laws of the State of Missouri, United States, without regard to conflict of law principles.

10. Updates to These Terms

Cotual LLC may update these Terms at any time. The version in effect at the time of your purchase applies to that purchase. Continued access to the Product after an update constitutes acceptance of the revised Terms.

11. Contact

Questions about these Terms or the Product can be sent to musa@cotual.com