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Terms of use.

Last updated June 18, 2026

These terms govern your use of phronia.co, operated by Phronia Counsel LLC ("Phronia"). Engagements with Phronia are governed by their own written agreements, not by this page.

Using this site.

You are welcome to read, share, and quote our published work with attribution. The site is provided for general information.

Our work is analysis, not instruction for your situation.

Our published positions are independent opinion and judgment, written for a general audience. They are not advice tailored to your specific circumstances, and you should not treat them as the basis for a decision without your own diligence or a direct engagement with us.

Intellectual property.

The content on this site, including our writing, our analysis, and the Phronia name and marks, belongs to Phronia Counsel LLC. You may quote it with attribution and a link, but you may not republish substantial portions or present it as your own without our permission.

Engagements are separate.

Nothing on this site creates an advisory, client, or contractual relationship. Any engagement, including its scope, fees, confidentiality, and independence terms, is set out in a separate written agreement between you and Phronia.

No warranties.

The site and our published work are provided as is, without warranties of any kind. We work to be accurate and fair, but we do not guarantee that any content is complete, current, or free of error.

Limitation of liability.

To the extent the law allows, Phronia Counsel LLC is not liable for any indirect or consequential loss arising from your use of this site or your reliance on its content.

Governing law.

These terms are governed by the laws of the State of Colorado.

Changes and contact.

We may update these terms, and the date above shows the last change. Questions go to howard@phronia.co.