Terms and Conditions

Last Updated: March 18, 2026

1. Introduction

These Terms and Conditions ("Terms") govern your access to and use of the services, website, and communication systems operated by Cobalt & Finch Advisory Group ("Company", "we", "our", or "us").

By accessing our website, submitting forms, or using our services, you agree to comply with and be bound by these Terms.

If you do not agree to these Terms, you should not use our services.

2. Description of Services

Cobalt & Finch Advisory Group provides technology and communication services designed to help businesses manage customer communications, appointment scheduling, and service-related interactions.

Our services may include:

• Customer communication automation

• Appointment scheduling systems

• SMS communication systems

• Customer support messaging

• CRM and lead management systems

• Digital business automation tools

Services may be updated, modified, or discontinued at our discretion.

3. Use of Website and Services

Users agree to use our website and services only for lawful purposes.

You agree not to:

• Use the services for illegal activity

• Attempt to gain unauthorized access to systems or data

• Distribute malware or harmful software

• Send spam or unauthorized communications

• Misrepresent your identity or affiliation

Violation of these Terms may result in suspension or termination of service access.

4. SMS Messaging Terms

By providing your phone number through our website forms and explicitly consenting to receive SMS communications, you agree to receive SMS messages related to your inquiry or service request.

These messages may include:

• Responses to service inquiries

• Appointment confirmations

• Customer service communications

• Service updates

• Follow-up messages related to requested services

SMS messages are only sent to users who have provided prior consent through a website form or other approved opt-in method.

Message frequency varies depending on your interaction with our services.

Message and data rates may apply according to your mobile carrier plan.

You may opt out at any time by replying: STOP
You may request assistance by replying: HELP

SMS consent is not a condition of purchasing any goods or services.

5. Consent to Communications

By submitting forms or interacting with our services, you consent to receive communications from Cobalt & Finch Advisory Group through:

• SMS text messaging

• Email communication

• Other digital communication channels related to your service request

Communication is limited to service-related interactions unless additional consent is provided.

6. Privacy and Data Protection

Your use of our services is also governed by our Privacy Policy.

We are committed to protecting personal information and maintaining responsible data practices.

• No mobile information will be shared with third parties or affiliates for marketing purposes.

• Text messaging originator opt-in data and consent will not be shared with any third parties, except for aggregators and providers of the text message services.

• Information sharing to subcontractors in support services (such as customer service providers or communication platforms) is permitted only when necessary to deliver services.

7. Third-Party Service Providers

Our services may rely on third-party providers including:

• CRM platforms

• Communication service providers

• Cloud hosting providers

• Data storage providers

• Analytics platforms

These providers may process information on our behalf solely for the purpose of delivering services.

8. Service Availability

We strive to provide reliable services but do not guarantee uninterrupted or error-free operation.

Services may occasionally be unavailable due to:

• System maintenance

• Technical issues

• Service provider outages

• Network disruptions

Cobalt & Finch Advisory Group is not responsible for service interruptions outside of our direct control.

9. Limitation of Liability

To the fullest extent permitted by law, Cobalt & Finch Advisory Group shall not be liable for any indirect, incidental, consequential, or special damages arising from the use of our website or services.

This includes but is not limited to:

• Loss of business opportunities

• Loss of data

• Service interruptions

• Communication delivery delays

Users agree that use of our services is at their own risk.

10. Intellectual Property

All website content, branding, logos, software, and materials provided by Cobalt & Finch Advisory Group are protected by intellectual property laws.

Users may not reproduce, distribute, modify, or exploit any content without written permission.

11. Termination of Services

We reserve the right to suspend or terminate services at any time if users violate these Terms or engage in activities that compromise the integrity of our systems.

12. Changes to Terms

Cobalt & Finch Advisory Group may update these Terms at any time.

When updates are made, the "Last Updated" date will be revised.

Continued use of our services after updates constitutes acceptance of the revised Terms.

13. Governing Law

These Terms shall be governed and interpreted in accordance with the laws of the applicable jurisdiction.

14. Contact Information

Cobalt & Finch Advisory Group
Email: info@cobaltfinch.com
Website: https://www.cobaltfinch.com

15. Acceptance of Terms

By using our website, submitting forms, or using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms.

Carrier Disclaimer

Carriers are not liable for delayed or undelivered messages. Message delivery may be affected by factors outside the control of Cobalt & Finch Advisory Group.

Age Requirement

You must be at least 18 years of age or older to use this SMS service. By opting in, you confirm that you are at least 18 years old and authorized to use the phone number provided.