1) Who We Are
“Cosmic Residential,” “we,” “us,” and “our” refer to the operator of the website located at https://cosmicresidential.com/. Our contact information appears in Section 20 (Contact Us).
2) Eligibility & Use
- You must be at least 13 years old to use the Services. If you are under the age of majority in your state, you may use the Services only with consent of a parent or guardian.
- You may use the Services only for personal, non-commercial purposes and in compliance with these Terms and applicable laws.
3) No Professional Advice
The Services are provided for general informational and educational purposes only. Content may include summaries of government programs, benefits, or insurance concepts. Such content does not constitute legal, tax, financial, medical, or insurance advice, nor does it create any professional–client relationship. You are solely responsible for evaluating and acting on information found on the Services.
4) Changes to the Services
We may modify, suspend, or discontinue any portion of the Services at any time without notice. We may update content to reflect changing laws, program rules, or editorial improvements; however, we have no obligation to do so on any schedule.
5) Accounts & Communications
The Services may allow you to contact us or subscribe to updates. You agree that we may send you transactional or administrative communications (e.g., responses to inquiries, policy changes). You can opt out of marketing emails by using unsubscribe links within the message.
You are responsible for any information you submit to us and represent that it is accurate and does not infringe any third-party rights.
6) Acceptable Use
- Do not use the Services for any unlawful purpose or in violation of any applicable laws or regulations.
- Do not scrape, crawl, harvest, or access the Services via automated means except for publicly available search engine indexing.
- Do not interfere with or disrupt the Services, including by introducing malware or attempting to circumvent security or access controls.
- Do not attempt to reverse engineer or decompile any part of the Services.
- Do not impersonate others or misrepresent your affiliation with any person or entity.
- Do not post or transmit content that is illegal, defamatory, harassing, hateful, threatening, pornographic, or otherwise objectionable.
7) Intellectual Property
The Services and all content made available through them—including text, articles, graphics, logos, icons, images, and their selection and arrangement—are owned by Cosmic Residential or our licensors and are protected by applicable intellectual property laws. Except as expressly permitted, you may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, or otherwise use any content from the Services without our prior written permission.
Limited License
Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Services for your personal, non-commercial use.
8) User Content & Feedback
If you submit comments, feedback, ideas, or materials (“User Content”), you grant Cosmic Residential a worldwide, perpetual, irrevocable, royalty-free license to use, reproduce, distribute, display, and perform such User Content in connection with the operation and improvement of the Services. You represent that you own or have the necessary rights to your User Content and that it does not violate any third-party rights.
9) Third-Party Links & Resources
The Services may contain links to third-party websites, tools, or resources, including government sites and benefit program portals. These links are provided for convenience only. We do not control and are not responsible for the content, products, or services on those sites. Accessing third-party resources is at your own risk and may be subject to separate terms and privacy policies.
10) Program Information; Not Guaranteed
Eligibility criteria, coverage details, and availability for public benefits and private insurance programs are determined by the relevant agencies and carriers and may change without notice. We do not guarantee that any user will qualify for any program or benefit, or that any information on the Services is current, complete, or free of errors.
11) Privacy
Your use of the Services is subject to our Privacy Policy, which explains how we collect, use, and share information. By using the Services, you consent to the practices described there.
12) Disclaimer of Warranties
THE SERVICES AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF ACCURACY, COMPLETENESS, RELIABILITY, NON-INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK.
13) Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, COSMIC RESIDENTIAL AND ITS OFFICERS, DIRECTORS, EMPLOYEES, PARTNERS, LICENSORS, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE EXTENT ANY LIABILITY IS NOT LAWFULLY EXCLUDABLE, OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICES WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US$100).
14) Indemnification
You agree to indemnify, defend, and hold harmless Cosmic Residential and its officers, directors, employees, partners, licensors, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or in any way connected with your access to or use of the Services, your User Content, or your violation of these Terms.
15) Changes to These Terms
We may update these Terms from time to time. When we do, we will revise the “Last Updated” date above. Your continued use of the Services after changes take effect constitutes acceptance of the updated Terms.
16) Termination
We may suspend or terminate your access to the Services at any time, with or without notice, if we believe you have violated these Terms or for any reason in our sole discretion. Upon termination, all provisions intended to survive termination (including ownership, disclaimers, limitations of liability, and indemnification) shall survive.
17) Governing Law; Venue
These Terms are governed by the laws of the State of New York, without regard to its conflict of law principles. You and Cosmic Residential agree to submit to the exclusive jurisdiction and venue of the state and federal courts located in New York County, New York, for any disputes that are not subject to arbitration (if applicable) or cannot be resolved informally.
18) Dispute Resolution; Arbitration (Optional)
At our election, any dispute, claim, or controversy arising out of or relating to these Terms or the Services may be resolved by binding arbitration administered by a reputable provider. If elected, arbitration will take place in New York County, New York, before a single arbitrator, and judgment on the award may be entered in any court of competent jurisdiction. You and Cosmic Residential waive any right to a jury trial. This clause does not apply to claims that cannot be arbitrated as a matter of law.
Nothing in this section prevents either party from seeking injunctive or equitable relief in court to protect intellectual property or confidential information.
19) Miscellaneous
- Entire Agreement. These Terms constitute the entire agreement between you and Cosmic Residential regarding the Services and supersede all prior or contemporaneous agreements on the subject.
- Severability. If any provision is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
- No Waiver. Our failure to enforce any provision is not a waiver of our right to do so later.
- Assignment. You may not assign or transfer these Terms without our prior written consent. We may assign these Terms without restriction.
- Headings. Headings are for convenience only and have no legal effect.
- Force Majeure. We are not liable for delays or failures caused by events beyond our reasonable control.
20) Contact Us
If you have questions about these Terms or the Services, please contact us:
- Website: https://cosmicresidential.com/
- Email: help@cosmicresidential.com
- Phone: (555) 123-4567
- Mailing Address: Fifth Avenue and 42nd Street, New York, NY 10018, USA
21) State-Specific Notices
Certain states provide additional consumer rights. To the extent required by applicable law, those rights will apply to you. If these Terms conflict with state-required terms, the state-required terms will control only to the extent of the conflict.
22) Accessibility
We aim to present content in ways that are accessible and understandable. If you encounter barriers, please contact us using the details above and include the page URL and a description of the issue.