Terms and Conditions

By using cobiz.ai and COBIZ services you accept these terms. If you disagree, please do not use the site.

1. Acceptance

By accessing this site, downloading resources, buying services, or hiring our products, you accept these terms and our Privacy Policy.

2. About COBIZ

COBIZ is a brand operated by C&O Business Consulting LLC, with operational presence and teams in Florida (USA), Spain, Colombia, and Argentina. Integral digital transformation consultancy: technology + marketing + data.

3. Free downloadable resources

Resources at /resources are free and provided "as-is". You may: download for personal and professional use, share internally with your team, cite mentioning "COBIZ" as source.

You may NOT: resell or charge third parties, modify removing COBIZ branding, mass-distribute without written permission.

4. COBIZ Analyst — Paid product

COBIZ Analyst is a paid digital product at analyzer.cobizconsulting.com.

• Price: $49 USD regular / $24.99 USD promotional. Processed by Stripe.
• Delivery: executive dossier in your inbox within 24 business hours.
• Refund: 100% refund within first 7 days if dossier does not add value. Email info@cobiz.ai with order number.
• Dossier use: for your specific company. Do not share as generic template or resell.
• Strategy session: 30 minutes with a Partner included. Available within 30 days post-delivery.

5. Implementation services

Consultancy and implementation services are quoted per-case and governed by a specific contract signed before work begins. These general terms do not replace that contract.

6. Intellectual property

All site content (text, design, code, illustrations, COBIZ brand) is property of C&O Business Consulting LLC. You may not copy or reuse without written permission.

7. Acceptable use

You agree NOT to: access unauthorized areas, use bots for mass downloads, fill forms with false info, send spam, reverse-engineer the site.

8. Limitation of liability

Free resources are general educational material — NOT specific legal, financial, tax, or professional advice. Consult a qualified professional before business decisions.

COBIZ is not liable for: decisions made based only on free resources, indirect or opportunity losses, technical interruptions (though we minimize them).

9. Third-party links

External links are provided for convenience. We are not responsible for third-party content or privacy practices.

10. Changes

We may update these terms. Current version is the one on this page with updated date. Material changes communicated via email to registered users.

11. Governing law

These terms are governed by Florida (USA) law for US and Latin America users, and Spanish law for European users.

12. Contact

• Email: info@cobiz.ai
• USA: +1 754 308-6454 · Spain: +34 623 95 72 81