Terms of use
Cobalt Prosper is a free informational reference operated by PerfSpot LLC. It is not a lender, broker, or financial, tax, or legal advisor, and nothing on the site is financial, tax, legal, investment, or insurance advice. Using the site means accepting these terms, which are an agreement between you and PerfSpot LLC.
Informational only, not advice
The site explains published rules and computes published figures. It does not know your situation and does not make recommendations. Before acting on anything you read here, confirm your own numbers with the relevant agency (such as the IRS, SSA, or your loan servicer) or a qualified professional such as a CPA, attorney, or licensed advisor.
Accuracy
We trace every published figure to a primary source and correct confirmed errors promptly, but we cannot guarantee the site is error-free or that figures have not changed since a page's stated update date. Projections are estimates computed from published formulas and are labeled as projections; final figures come only from the responsible agency. The site is provided as is, without warranties of any kind.
Limitation of liability
To the maximum extent permitted by law, PerfSpot LLC and its operators are not liable for any damages, losses, data loss, or other consequences arising from your use of the site, including decisions made in reliance on its content. You use Cobalt Prosper at your own risk.
Governing law
These terms are governed by the laws of the State of Delaware. Any disputes will be resolved in the state or federal courts located in Delaware.
Assignment
We may transfer or assign these terms and our rights and obligations under them, at any time, to any affiliate, acquirer, or successor. You may not assign your rights under these terms without our written consent.
Using our content
Site content is copyright PerfSpot LLC. You may quote our tables and figures with attribution and a link to the page you are quoting. Automated access for indexing, search, and AI retrieval is welcome, per our robots.txt.
Advertising
The site displays third-party advertising. Advertisers do not influence content, and an ad's appearance here is not an endorsement. Advertising data practices are covered in the privacy policy.
Changes
These terms may change; the date above reflects the current version. Questions: contact us.