Last Updated: February 4, 2025
Welcome to Cairn Economic Advisors. These Terms of Service ("Terms") govern your access to and use of our website and services. By accessing or using our website, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website or services.
Cairn Economic Advisors, operated by Dr. Sara Zervos Knutson, provides educational and consultative services related to economics, capital markets, and investment strategy. Our services include:
Important Disclaimers:
Specific consulting engagements, fractional economist arrangements, and other professional services are governed by separate written service agreements between Cairn Economic Advisors and the client. These Terms govern use of the website; service agreements govern the delivery of professional services.
All content on this website, including text, graphics, logos, images, and software, is the property of Cairn Economic Advisors or its content suppliers and is protected by United States and international copyright laws. You may not reproduce, distribute, modify, or create derivative works from any content without express written permission.
Educational materials, presentations, and analysis provided to clients remain the intellectual property of Dr. Sara Zervos Knutson unless otherwise specified in a written agreement. Clients may use materials for their intended purpose but may not redistribute or republish without permission.
You agree not to:
Our website may contain links to third-party websites or services (such as Substack for newsletters) that are not owned or controlled by Cairn Economic Advisors. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we shall not be responsible or liable for any damage or loss caused by your use of any third-party content, goods, or services.
Payment for services is due as specified in individual service agreements. Accepted payment methods include invoice payment via ACH transfer, Zelle, or check. Payment terms, fees, and cancellation policies are detailed in service agreements.
To the fullest extent permitted by applicable law, Cairn Economic Advisors and Dr. Sara Zervos Knutson shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:
In no event shall our aggregate liability exceed the amount you paid us in the twelve (12) months prior to the event giving rise to the liability, or one hundred dollars ($100), whichever is greater.
You agree to indemnify, defend, and hold harmless Cairn Economic Advisors, Dr. Sara Zervos Knutson, and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your access to or use of the website or services, your violation of these Terms, or your violation of any rights of another person or entity.
The website and services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the website will be uninterrupted, secure, or error-free, or that any defects will be corrected.
Economic analysis, market commentary, and educational content reflect Dr. Sara Zervos Knutson's professional opinions based on available information and are subject to change without notice. No representation is made that any account will or is likely to achieve results similar to those discussed.
Our services are intended for individuals age 18 and older. By using this website and our services, you represent that you are at least 18 years of age.
These Terms shall be governed by and construed in accordance with the laws of the State of Colorado, without regard to its conflict of law provisions. You agree that any legal action or proceeding relating to your access to or use of the website or services shall be instituted in a state or federal court in Colorado, and you consent to the personal jurisdiction of such courts.
We reserve the right to modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on this page with a new "Last Updated" date. Your continued use of the website after any changes constitutes your acceptance of the new Terms.
We reserve the right to terminate or suspend your access to the website and services at our sole discretion, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties, or for any other reason.
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.
These Terms, together with any service agreement you may enter into with Cairn Economic Advisors, constitute the entire agreement between you and Cairn Economic Advisors regarding the use of the website and services, superseding any prior agreements between you and us.
If you have any questions about these Terms, please contact us:
Cairn Economic Advisors
Dr. Sara Zervos Knutson
Boulder, Colorado