By purchasing, accessing, or using any services provided by Cotual LLC (“Company,” “we,” “us,” or “our”), you (“Client,” “you”) agree to the following Terms and Conditions.

1. Scope of Services

Cotual LLC provides outcome-based consulting and guided implementation services related to U.S. business formation and payment infrastructure for non-U.S. founders.

Services may include, but are not limited to:

• Strategic guidance on U.S. entity formation (LLC or C-Corp)

• Guidance on obtaining a U.S. federal tax identification number (EIN)

• Guidance on opening a U.S. business bank account

• Guidance on Stripe payment processor setup and approval

• Access to consulting sessions, digital resources, and internal materials

Important:
Cotual LLC does not directly form entities, open bank accounts, submit applications on your behalf, or act as your legal representative. All applications are completed by the Client with our guidance.

Cotual LLC does not provide legal, tax, or accounting advice. Any information shared is for consulting and educational purposes only.

2. Client Responsibilities

The Client agrees to:

• Validity and honoring the signed Service Agreement.

• Provide accurate, truthful, and complete information at all times

• Follow instructions provided by Cotual LLC precisely

• Ensure their business model, products, and services comply with:

  • Stripe policies

  • Bank policies

  • U.S. laws and regulations

• Respond promptly to requests for information or documentation

Failure to meet these responsibilities may result in delays, rejection, or voiding of guarantees.

3. Fees and Payments

Consulting fees are charged as:

• A one-time full payment, or

• A one-time split payment (where explicitly offered)

Consulting fees cover guidance and support only.

They do not include:

• Government filing fees

• State fees

• Registered agent fees

• Bank fees

• Payment processor fees

• Third-party service costs of any kind

All third-party fees are paid directly by the Client and are the Client’s sole responsibility.

4. Payment Default

If any payment is missed or incomplete:

• Cotual LLC may immediately suspend all services

• Access to materials, sessions, and support may be revoked

• No guarantees remain valid until payment is resolved

5. Guarantees & Refund Policy

5.1 Stripe & Bank Approval Guarantee

Where explicitly stated, Cotual LLC offers a conditional approval guarantee for:

• Stripe payment processor approval

• U.S. business bank account approval

This guarantee applies only if:

• The Client follows all instructions provided

• The Client provides accurate information

• The Client’s business does not violate platform policies

• No prohibited or restricted activities are involved

Certain countries, industries, or risk profiles may be excluded from guarantees and will be disclosed in advance.

5.2 Refund Eligibility

If Stripe approval is denied despite full compliance, the Client may request a refund of the consulting fee only, subject to verification.

No refunds are issued if rejection results from:

• Inaccurate or misleading information

• Policy-violating business activities

• Failure to follow instructions

• Changes in third-party policies beyond our control

Refunds do not include third-party or government fees.

5.3 Refund Policy

Read our Refund Policy

6. No Income or Business Performance Guarantees

Cotual LLC does not guarantee:

• Revenue

• Profitability

• Business success

• Customer acquisition

• Long-term account stability beyond approval

Outcomes depend on the Client’s execution, compliance, and market factors.

7. Testimonials & Results Disclaimer

Testimonials and reviews represent real client experiences but do not guarantee similar results. Individual outcomes vary based on multiple factors.

8. Affiliate Relationships

Cotual LLC may recommend third-party tools or services and may receive referral or affiliate compensation. This does not affect the price paid by the Client.

9. Limitation of Liability

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

• Third-party decisions, rejections, freezes, or policy changes

• Actions taken by Stripe, banks, or government agencies

• Business losses, revenue loss, or opportunity cost

• Delays outside our direct control

All services are provided “as is” and “as available.”

10. Governing Law

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

11. Updates to These Terms

Cotual LLC may update these Terms at any time. Continued use of services constitutes acceptance of the revised Terms.