Terms of Service

Last updated: April 21, 2026

Welcome to CoverPanda ("Company," "we," "our," or "us"). These Terms of Service ("Terms") govern your use of our website at cpfinops.com (the "Site") and our services. By accessing or using our Site and services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Site or services.

Acceptance of Terms

By using this Site, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into a binding contract. You agree to comply with all applicable laws, rules, and regulations in your use of the Site.

Use of Services

CoverPanda provides financial consulting and operational advisory services to franchise operators. Our services are provided on an "as-is" basis. You agree to use our services only for lawful purposes and in a way that does not infringe upon the rights of others or restrict their use and enjoyment of the services.

Prohibited behavior includes:

• Harassing or causing distress or inconvenience to any person
• Providing false or misleading information
• Disrupting the normal flow of dialogue within our Site
• Attempting to access or use accounts not belonging to you
• Transmitting viruses, malware, or harmful code

Intellectual Property Rights

All content on the Site, including text, graphics, logos, images, and software, is the property of CoverPanda or its content suppliers and is protected by international copyright laws. You are granted a limited, non-exclusive license to view and print materials on the Site solely for your personal, non-commercial use. You may not reproduce, modify, distribute, transmit, or display any content without our prior written permission.

Limitation of Liability

To the fullest extent permitted by law, CoverPanda shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to damages for loss of profits, goodwill, use, data, or other intangible losses, even if advised of the possibility of such damages. Your exclusive remedy shall be limited to the fees paid for services.

Disclaimer of Warranties

The Site and our services are provided on an "as-is" basis without warranties of any kind. We make no representations or warranties regarding the accuracy, completeness, or usefulness of the information provided. We do not warrant that the Site will be error-free or uninterrupted.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Utah, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts located in Utah for the resolution of any disputes arising out of or relating to these Terms or your use of the Site.

Contact Information

If you have questions about these Terms of Service, please contact us:

CoverPanda
Email: accounting@coverpanda.co
Phone: (973) 315-6817

Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site following the posting of revised Terms means that you accept and agree to the changes.