Cotual LLC Terms of Service

Last updated: October 31, 2026

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

If you have signed a Service Agreement with Cotual LLC, that Service Agreement governs your engagement. Where it conflicts with these Terms, the Service Agreement prevails.

1. Scope of Services

Cotual LLC provides personalized 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

  • Structural Consultation: guidance on adding to, diagnosing, troubleshooting, or restructuring an existing U.S. business structure

  • Guidance on the key dates and considerations for maintaining a U.S. business structure

  • Access to consulting sessions, the Client Portal, 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:

  • Read, sign, and honor their Service Agreement

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

  • Follow instructions provided by Cotual LLC precisely

  • Obtain Cotual LLC's approval before taking any action in the setup process, as set out in the Service Agreement

  • 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

The Cotual Consulting Fee is charged as:

  • A one-time full payment, or

  • A one-time fee split into milestone payments or installments (where explicitly offered)

The Cotual Consulting Fee covers guidance and support only.

It does 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 and Refunds

5.1 Approval Support Guarantee

Cotual LLC offers a conditional Approval Support Guarantee. Where the Client meets every condition, Cotual LLC continues to provide guidance, at no additional cost, until each covered outcome is achieved or all viable alternatives have been exhausted.

For the Full US Business Setup, the covered outcomes are:

  • U.S. entity formation

  • EIN issuance

  • U.S. business bank account approval

  • Stripe account activation

For a Structural Consultation, the covered outcomes are set out in the Client's Service Agreement.

This guarantee applies only if:

  • The Client follows all instructions provided

  • The Client obtains Cotual LLC's approval before every action in the setup process

  • The Client provides accurate information

  • The Client's business does not violate platform policies

  • No prohibited or restricted activities are involved

Approval decisions are made solely by government agencies, financial institutions, and payment platforms. Cotual LLC does not control these decisions and does not promise that any third party will approve an application.

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

5.2 Refund Eligibility

If a covered outcome cannot be achieved despite the Client's full compliance, Cotual LLC will first exhaust all viable alternatives. If the outcome still cannot be achieved, the Client receives a full refund of the Cotual Consulting Fee, as set out in the Service Agreement.

The full conditions and non-refundable situations, including changes in third-party policies beyond our control, are set out in our Refund Policy.

Refunds do not include third-party or government fees.

5.3 Cancellation

Payments of the Cotual Consulting Fee are non-refundable once made, including if the Client cancels before onboarding or before signing the Service Agreement. The only refund available is the refund under the Approval Support Guarantee described in Section 5.2.

5.4 Refund Policy

Our Refund Policy at cotual.com/refund-policy sets out refunds in full.

6. No Income or Business Performance Guarantees

Cotual LLC does not guarantee:

  • Revenue

  • Profitability

  • Customer acquisition

  • Long-term account stability beyond approval

  • Business success

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

7. Testimonials and 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. Intellectual Property

Your roadmap, Client Portal content, scripts, and other materials provided by Cotual LLC are for your own use and may not be shared, resold, or published.

12. Updates to These Terms

Cotual LLC may update these Terms at any time. Continued use of services constitutes acceptance of the revised Terms. Updates do not change the terms of a Service Agreement already signed.

13. Privacy and Contact

Our Privacy Policy explains how we handle your personal information.

For questions about these Terms, contact:

Cotual LLC

8301 State Line Rd Ste 220, Kansas City, MO 64114, United States

Email: musa@cotual.com