Terms of Use

ConsumerNews.ai Effective date:July 24, 2026
Last updated:July 24, 2026

Welcome to ConsumerNews.ai. These Terms of Use ("Terms") govern your access to and use of the ConsumerNews.ai website, newsletter, and any related services (together, the "Service"). Please read them carefully.

By using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. Who we are

ConsumerNews.ai ("we," "us," or "our"), a property of Codependent Media LLC, 6628 Sky Pointe Dr. Ste. 129-1072, Las Vegas, NV 89131-4076, is an independent, reader-supported consumer-news publication. Contact us at editor@consumernews.ai.

Your privacy is governed by our companion Privacy Policy, which is incorporated into these Terms by reference.

2. Who may use the Service

The Service is intended for adult readers. By using it, you represent that you are at least 13 years old (or the minimum age required by law in your country), and that your use complies with all laws that apply to you.

If you use the Service on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

3. Not legal, financial, medical, or professional advice

ConsumerNews.ai publishes journalism about consumer protection, cars, insurance, health, personal finance, technology, and government policy. Our reporting is provided for general information and public-interest purposes only. It is not, and is not intended to be, legal, financial, medical, tax, insurance, or other professional advice.

  • Do not rely on anything you read here as a substitute for consulting a licensed professional about your own situation.
  • Reporting on lawsuits, settlements, class actions, or recalls describes what has been publicly reported; it does not mean you personally qualify to participate, recover money, or take any specific action.
  • Prices, rates, product availability, and regulatory rules change constantly. Always confirm current details with the primary source before acting.

If you need advice, consult a qualified professional in your jurisdiction.

3a. No professional relationship

Reading the Service, corresponding with us, sending us a news tip, submitting a reader letter, subscribing to our newsletter, or otherwise interacting with ConsumerNews.ai does not create any professional relationship between you and us. Specifically, no such contact creates:

  • an attorney-client relationship;
  • a doctor-patient or other clinical-care relationship;
  • a financial-advisor, broker-dealer, tax-preparer, or insurance-agent relationship;
  • a fiduciary duty of any kind; or
  • any duty of confidentiality beyond what is expressly agreed in writing in advance (see Section 6 on confidential tips).

Our editors and contributors are journalists, not your lawyer, doctor, accountant, financial planner, or insurance agent. Please do not send us confidential information, privileged material, or sensitive personal details (medical records, account numbers, litigation strategy, etc.) expecting that we can act on them, protect them from disclosure, or advise you about them. If we receive such material without a prior confidentiality arrangement, we are free to treat it as on-the-record newsroom correspondence.

If your situation calls for professional advice, please consult a qualified professional licensed in your jurisdiction.

4. Accuracy, corrections, and updates

We work hard to get the facts right, cite our sources, and correct errors promptly. If you spot a mistake, email editor@consumernews.ai and we will review it. We may add, update, or remove stories at any time without notice.

Older articles reflect the facts as we understood them at the time of publication and may not have been updated to reflect later developments.

5. Intellectual property

5a. Our content

All original articles, headlines, photographs, illustrations, newsletters, and other content on the Service — other than material clearly attributed to third parties — are the copyrighted work of ConsumerNews.ai or its contributors. All rights are reserved.

5b. What you may do

You may:

  • Read, print, and save copies for your own personal, non-commercial use.
  • Share links to our articles freely on social media, in emails, and in other online discussions.
  • Quote short excerpts (a paragraph or two) for commentary, criticism, teaching, or news reporting under fair use, with clear attribution and a link back to the original story.

5c. What you may not do without our written permission

  • Republish, syndicate, or repost full or substantial portions of our articles on another website, newsletter, or app.
  • Use our content to train, fine-tune, or build datasets for machine-learning or generative-AI systems.
  • Scrape, harvest, or systematically download our content by any automated means.
  • Remove or alter copyright, byline, or source attributions.
  • Sell, license, or monetize our content, or use it in advertising or product marketing.

To request permission for republication, syndication, translation, academic use, or dataset licensing, email editor@consumernews.ai. We're reasonable about legitimate requests, especially for non-commercial and educational uses.

5d. Trademarks

"ConsumerNews.ai" and any associated logos are our trademarks. You may not use them without written permission except in factual, non-misleading references to our publication.

6. User submissions

If you send us a news tip, letter to the editor, correction, reader comment, or any other material (a "Submission"), you grant ConsumerNews.ai a non-exclusive, worldwide, royalty-free, perpetual license to publish, edit, excerpt, and archive it in connection with the Service. You represent that:

  • The Submission is yours, or you have the right to share it.
  • It does not violate anyone's privacy, copyright, contract, or other rights.
  • It is not defamatory, threatening, or otherwise unlawful.

We may edit Submissions for length, clarity, and style, and we may choose not to publish anything. We are not obligated to keep Submissions confidential unless you clearly mark them as off-the-record or on backgroundandwe agree in writing before you send sensitive material.

For confidential tips, contact us first at editor@consumernews.ai to arrange a secure channel.

7. Acceptable use

When using the Service, you agree not to:

  • Post, submit, or transmit unlawful, defamatory, harassing, or infringing material.
  • Impersonate any person or misrepresent your affiliation with any organization.
  • Introduce viruses, malware, or other harmful code.
  • Attempt to gain unauthorized access to any part of the Service, another user's account, or our systems.
  • Interfere with or disrupt the Service or its infrastructure (including denial-of-service attacks, excessive automated requests, and probing for vulnerabilities).
  • Use the Service to send spam or unsolicited commercial messages.
  • Use robots, spiders, scrapers, or AI-training crawlers to collect content from the Service except as expressly permitted by our robots.txt.
  • Frame, mirror, or deep-link the Service in a way that misrepresents its origin or sponsorship.

We may suspend or terminate access for anyone who violates these rules.

8. Newsletter

You may subscribe to our email newsletter by providing your email address. Every issue contains a one-click unsubscribe link. Newsletter delivery, tracking, and retention are described in our Privacy Policy.

We do not sell, rent, or share our subscriber list.

9. Third-party content and links

The Service links extensively to third-party sources: government agencies, court records, corporate press releases, other news outlets, academic studies, and consumer-advocacy organizations. These links are provided for reference and do not constitute an endorsement.

We are not responsible for the accuracy, availability, privacy practices, or content of third-party sites. Your dealings with any third party linked from the Service are solely between you and that third party.

10. AI, automated agents, and syndicated republication

Because we produce original consumer-protection journalism and rely on no advertising, unlicensed republication and AI training uses cause direct harm to the publication and to our readers.

  • AI training and dataset use is prohibited without a written license from us. This applies whether the content is accessed directly, via cached copies, via aggregators, or via search-engine snippets that exceed fair-use excerpting.
  • Automated agents (crawlers, scrapers, LLM-powered browsers, retrieval systems) must respect our robots.txt and any publishedai.txt or licensing declarations. Ignoring those files does not create a right to use our content.
  • Aggregators, syndicators, and content farms that reproduce our articles in full without a license are infringing our copyrights.

If you operate an AI system, aggregator, or research project and want to license our archive, email editor@consumernews.ai. We license non-commercial academic and archival use on generous terms.

11. DMCA and copyright complaints

If you believe content on the Service infringes your copyright, send a written notice to editor@consumernews.ai that includes:

  1. Your physical or electronic signature.
  2. Identification of the copyrighted work you claim has been infringed.
  3. The URL of the material you claim is infringing.
  4. Your address, phone number, and email.
  5. A statement that you have a good-faith belief the use is not authorized by the copyright owner, its agent, or the law.
  6. A statement, under penalty of perjury, that the information in the notice is accurate and that you are the copyright owner or authorized to act on the owner's behalf.

We will respond to properly documented notices in accordance with the U.S. Digital Millennium Copyright Act (17 U.S.C. § 512). Repeat infringers will lose access to the Service.

12. Disclaimer of warranties

The Service is provided "as is" and "as available." To the fullest extent permitted by law, we disclaim all warranties, express or implied, including any warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, and uninterrupted or error-free operation.

We do not warrant that the Service will be available at any particular time, that defects will be corrected, or that the Service is free of viruses or harmful components. You use the Service at your own risk.

Some jurisdictions do not allow the exclusion of certain warranties. If the law in your jurisdiction applies, some of the exclusions above may not apply to you, and you may have additional rights.

13. Limitation of liability

To the fullest extent permitted by law, in no event will ConsumerNews.ai, its editor, contributors, contractors, or service providers be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, or for any loss of profits, revenue, data, use, goodwill, or other intangible losses, arising out of or in connection with your use of the Service — even if we have been advised of the possibility of such damages.

Our total liability for any claim arising out of or relating to these Terms or the Service will not exceed one hundred U.S. dollars ($100) or the amount you paid us in the twelve months before the claim, whichever is greater. Because the Service is free to readers, this limit will typically be $100.

Some jurisdictions do not allow the limitation of liability for certain damages. Nothing in these Terms limits liability that cannot be limited by law.

14. Indemnification

You agree to defend, indemnify, and hold harmless ConsumerNews.ai and its editor, contributors, and service providers from any claim, demand, damage, loss, or expense (including reasonable attorneys' fees) arising out of or related to (a) your breach of these Terms, (b) your use of the Service, (c) your Submissions, or (d) your violation of any law or third-party right.

15. Termination

We may suspend or terminate your access to the Service at any time, with or without notice, for any reason, including violation of these Terms. On termination, the provisions that by their nature should survive (including Sections 3, 5, 6, 10, 11, 12, 13, 14, 16, 17, 18, and 19) will survive.

You may stop using the Service at any time. To close a newsletter subscription, use the unsubscribe link in any issue or email us.

16. Governing law

These Terms are governed by the laws of the state of Nevada, United States, without regard to its conflict-of-laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

17. Dispute resolution

Informal resolution first. Before filing any formal claim, please email editor@consumernews.ai with a description of the dispute so we can try to resolve it informally. Most issues can be sorted out this way.

Venue. If a dispute cannot be resolved informally, you and ConsumerNews.ai agree that any lawsuit will be brought exclusively in the state or federal courts located in Clark County, Nevada, and each party consents to the personal jurisdiction of those courts.

No class actions.To the extent permitted by law, you and ConsumerNews.ai agree that disputes will be resolved on an individual basis and not as a class, collective, or representative action.

Small claims. Nothing in this section prevents either party from bringing an individual action in small-claims court.

18. Changes to these Terms

We may update these Terms from time to time. If the changes are material, we will post a notice on the site and, where practical, notify newsletter subscribers by email. The "Last updated" date at the top of this page will always reflect the current version. Your continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

19. Miscellaneous

  • Entire agreement.These Terms, together with the Privacy Policy, are the entire agreement between you and ConsumerNews.ai concerning the Service, and supersede any prior agreements on the same subject.
  • Severability. If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force.
  • No waiver. Our failure to enforce any provision does not waive our right to enforce it later.
  • Assignment. You may not assign these Terms without our written consent. We may assign them to a successor in connection with a merger, acquisition, or sale of the publication.
  • Headings. Section headings are for convenience only and do not affect interpretation.
  • Contact.For any question about these Terms, email editor@consumernews.ai.

20. Contact

ConsumerNews.ai
Attn: Editor
editor@consumernews.ai

ConsumerNews.ai is committed to fair dealing with its readers. If any part of these Terms strikes you as overreaching or out of step with a pro-consumer publication, tell us — we'll listen.