Terms of Service

• Coyote Wealth is a technology platform that allows users to discover and connect with independent financial professionals, including accountants, CPAs, bookkeepers, fractional CFOs, financial advisors, and family office services providers (collectively, "Professionals").
• Coyote Wealth does not provide investment, financial, legal, tax, or accounting advice.
• Coyote Wealth is not a registered investment adviser, broker-dealer, accounting firm, or provider of CFO or family office services.
• Coyote Wealth provides a matching quiz that surfaces professionals based on user-provided criteria and subscription tier. These results are informational only and do not constitute a personalized recommendation. Users independently decide which Professionals, if any, they wish to contact or engage.

Coyote Wealth lists financial professionals on its platform and verifies certain credentials where possible. However, users are solely responsible for conducting their own due diligence before engaging any Professional.

Users are encouraged to verify credentials through official regulatory sources, including:

• SEC Investment Adviser Public Disclosure (IAPD) — adviserinfo.sec.gov
• FINRA BrokerCheck — brokercheck.finra.org
• IRS Directory of Federal Tax Return Preparers — irs.gov
• AICPA or relevant state CPA boards for CPA verification

• Professionals listed on Coyote Wealth must maintain valid licenses and comply with all applicable regulatory and ethical guidelines.
• Professionals are responsible for ensuring that all profile information is accurate and must notify us of any changes within 7 days.
• Coyote Wealth does not verify ongoing regulatory compliance after initial listing.

• Some Professionals pay flat subscription fees and/or flat per-lead access fees to Coyote Wealth for platform visibility, lead access, and quiz match eligibility.
• Higher subscription tiers receive a relevance boost in quiz match ordering. Coyote Wealth does not receive compensation tied to whether a user ultimately becomes a client.
• Paid placement does not affect the authenticity, content, or ranking of client reviews.
• This compensation creates a material conflict of interest. Users should evaluate Professionals independently using resources such as SEC IAPD (adviserinfo.sec.gov) and FINRA BrokerCheck (brokercheck.finra.org).
• See our Advertiser Disclosure for full details.

• Coyote Wealth uses third-party services including Supabase, Stripe (when applicable), and analytics tools to facilitate platform operations, payment processing, and communications.
• These third-party services handle user data according to their respective privacy policies. Coyote Wealth does not control how these third parties process user data.
• For more information, see our Privacy Policy.

No Professional Advice or Fiduciary Relationship

• Coyote Wealth does not provide financial, investment, legal, tax, or accounting advice.
• Coyote Wealth is not responsible for the quality, accuracy, or reliability of any Professional's services.
• Users are solely responsible for verifying the credentials and qualifications of any Professional before engagement.
• Using Coyote Wealth does not establish a fiduciary, client, or professional relationship between the user and the Company.

Independent Verification & Due Diligence

• While Coyote Wealth may verify certain credentials of Professionals at the time of listing, we do not guarantee the accuracy, completeness, or ongoing validity of any information provided.
• Users must conduct their own due diligence before engaging any Professional.

No Endorsements or Guarantees

• Coyote Wealth does not endorse, recommend, or guarantee the services of any Professional listed on the platform.
• Users engage with Professionals at their own discretion and risk.
• The Company is not liable for any losses, damages, or consequences resulting from user interactions with Professionals.

Limitation of Liability

• To the maximum extent permitted by law, the Company's total liability to any user for any claim arising from use of the Platform shall not exceed $100.
• In no event shall the Company be liable for indirect, incidental, punitive, or consequential damages of any kind.

• Coyote Wealth may terminate access to the Platform for users or Professionals who violate these Terms.
• We reserve the right to update these Terms at any time, with notice provided via email or on the Platform. Continued use after updates constitutes acceptance of the revised Terms.

• Governing Law: These Terms are governed by the laws of the State of New Jersey, without regard to conflict-of-law principles.
• Arbitration Agreement: Any dispute arising from these Terms shall be resolved through binding arbitration in New York, NY, under the rules of the American Arbitration Association (AAA).
• Class Action Waiver: Users agree to resolve disputes individually and waive the right to participate in any class action or collective proceeding.

Coyote Wealth takes data privacy seriously and complies with applicable regulations, including the General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA). For more details on data usage, see our Privacy Policy.

For questions about these Terms, contact us at: team@coyotewealth.com