Terms of Service

Effective Date: July 11, 2026

Last Updated: July 11, 2026

1. Description of Services

Frost & Co. LLC provides research, advisory, creative, and editorial Services — including but not limited to Frost Insider (editorial content), Frost Sessions (advisory and diagnostics), Frost Studio (strategy and campaigns), The Lens (philosophy and press), and related tools and publications. Specific deliverables, timelines, and fees for any engagement are governed by a separate written agreement.

2. Eligibility and Account

You must be at least 16 years of age to use our Services. If you create an account or subscribe to our content, you are responsible for maintaining the confidentiality of your credentials and for all activity that occurs under your account.

3. Intellectual Property

All content published through our Services — including text, graphics, research, methodologies, diagnostic frameworks, logos, and trademarks (including Life Chapter Marketing™, Private Narratives™, and related marks) — is the property of Frost & Co. LLC or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, modify, or commercially exploit any content without our prior written consent.

4. User Conduct

You agree not to:

• Use our Services for any unlawful purpose or in violation of these Terms
• Misrepresent your identity or affiliation with any person or entity
• Submit false, misleading, or infringing information through diagnostics, inquiries, or forms
• Attempt to gain unauthorized access to our systems, data, or non-public areas
• Scrape, copy, or use automated tools to extract content from our site without permission
• Interfere with the proper functioning of our Services

5. Submissions and User Content

Information you submit through inquiries, diagnostics, or forms (“Submissions”) is provided voluntarily. You grant Frost a non-exclusive, royalty-free license to use, process, and analyze your Submissions for the purpose of delivering Services, generating insights, and improving our methodologies. We will not publicly disclose your Submissions without your consent, except in aggregate, anonymized form.

6. Third-Party Links and Services

Our Services may contain links to third-party websites, tools, or platforms (e.g., Substack, LinkedIn). We are not responsible for the content, privacy practices, or accuracy of third-party sites. Your interactions with third parties are solely between you and them.

7. Disclaimer of Warranties

Our Services are provided “as is” and “as available” without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that our content is accurate, complete, or up to date, or that our Services will be uninterrupted or error-free. See our Compliance Disclaimers for additional details.

8. Limitation of Liability

To the fullest extent permitted by law, Frost & Co. LLC and its affiliates, officers, employees, and partners shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of or inability to use our Services, or any reliance on our content. Our total aggregate liability for any claim shall not exceed the amount you have paid us in the preceding twelve (12) months, or one hundred dollars ($100), whichever is greater.

9. Indemnification

You agree to indemnify and hold harmless Frost & Co. LLC and its affiliates from any claims, damages, or expenses (including reasonable legal fees) arising from your breach of these Terms, your misuse of our Services, or your violation of any law or third-party right.

10. Termination

We may suspend or terminate your access to our Services at any time, with or without cause or notice. Upon termination, all licenses granted to you under these Terms will cease. Provisions that by their nature should survive termination (including intellectual property, disclaimers, and limitation of liability) will remain in effect.

11. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Nevada, without regard to its conflict-of-laws principles. Any dispute arising from or relating to these Terms or our Services shall be resolved through good-faith negotiation. If unresolved, disputes shall be submitted to binding arbitration in Clark County, Nevada, under the rules of the American Arbitration Association.

12. Changes to These Terms

We may revise these Terms at any time. Updated Terms will be posted on this page with a revised “Last Updated” date. Your continued use of our Services after changes are posted constitutes acceptance of the revised Terms.

13. Contact

For questions regarding these Terms, please contact: