1. Agreement to Terms
By accessing or using the Kiddos Capital website at kiddoscapital.com (the “Site”), including the college cost calculator and any other tools or content provided, you agree to these Terms of Use. If you do not agree, please do not use the Site.
2. Who We Are
Kiddos Capital, LLC (“Kiddos,” “we,” “our”) is a registered investment adviser in the State of Illinois (CRD #8178916). These Terms govern your use of the Site only. They do not govern any investment advisory relationship, which is separately governed by the Kiddos Client Advisory Agreement and Form ADV Part 2A.
3. Educational Purpose of the Calculator
The college cost calculator and any planning tools on this Site are provided for educational and informational purposes only. They do not constitute investment advice, financial planning advice, or a recommendation to purchase any product or service. Results are illustrative estimates based on general assumptions and historical data — they are not projections or guarantees of future results. Consult a qualified financial adviser before making any financial decision.
4. No Investment Advisory Relationship
Use of this Site does not create an investment advisory relationship between you and Kiddos Capital, LLC. An advisory relationship is established only upon execution of a signed Client Advisory Agreement.
5. SMS Communications
By providing your mobile phone number on any form on this Site, you consent to receive informational text messages from Kiddos Capital, LLC related to your inquiry or membership. Message and data rates may apply. Message frequency varies. Reply STOP to opt out at any time. Reply HELP for assistance. We will not share your phone number with third parties for marketing purposes. For full details, see our Privacy Policy.
6. Intellectual Property
All content on this Site — including text, graphics, logos, the Kiddos Plan Generator, the college cost calculator, and related tools — is the property of Kiddos Capital, LLC and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from any Site content without our prior written consent.
7. Limitation of Liability
To the fullest extent permitted by law, Kiddos Capital, LLC is not liable for any indirect, incidental, or consequential damages arising from your use of this Site or reliance on any content herein. Our total liability for any claim arising from your use of the Site shall not exceed $100. This limitation does not apply to our obligations as a registered investment adviser under applicable federal and state securities laws.
8. Third-Party Links
This Site may contain links to third-party websites. We do not control those sites and are not responsible for their content or practices. A link does not constitute an endorsement.
9. Privacy
Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference.
10. Governing Law
These Terms are governed by the laws of the State of Illinois, without regard to conflict of law principles. Any dispute arising from these Terms shall be resolved in the courts of Cook County, Illinois.
11. Changes to These Terms
We may update these Terms from time to time. The “Last Updated” date above reflects the most recent revision. Continued use of the Site after any change constitutes acceptance of the updated Terms.
12. Contact
Please send questions about these Terms to info@kiddoscapital.com
