Terms of Service

Effective date: September 26, 2026 · Applies to thecostofityt.com and The Cost of It Uploader

1. About these terms

These terms apply to the website at https://thecostofityt.com (the “Site”) and to The Cost of It Uploader (the “Uploader”), both operated by Gennaro Gatto for the YouTube channel The Cost of It (“we”, “us”). By using the Site or the Uploader, you agree to these terms. If you do not agree, please do not use them.

2. YouTube Terms of Service

The Uploader uses YouTube API Services. By using the Uploader, you agree to be bound by the YouTube Terms of Service: https://www.youtube.com/t/terms.

Google’s handling of data is described in the Google Privacy Policy. How we handle data is described in our Privacy Policy.

3. The Cost of It Uploader

The Uploader is an internal tool that the channel owner uses to upload and schedule videos to The Cost of It’s own YouTube channel. It is not offered, sold, or distributed to anyone else. Anyone who uses it must use it only with a YouTube channel they own or are authorized to manage, must comply with the YouTube Terms of Service and YouTube’s policies, and is responsible for the content they upload.

4. Education only: not financial advice

Everything on The Cost of It, including the YouTube channel, its videos and descriptions, and this Site, is for general education and information only. It is not financial, investment, tax, or legal advice, and it is not a recommendation to buy, sell, or do anything. Figures are often illustrative estimates based on stated assumptions and sources, and they may not match your situation. Rules, rates, and prices change. Check the numbers yourself and talk to a qualified, licensed professional before making financial decisions.

5. Content and trademarks

The channel’s videos, text, and graphics belong to The Cost of It unless otherwise noted, and you may not republish them without permission. YouTube is a trademark of Google LLC. The Site and the Uploader are not affiliated with, endorsed by, or sponsored by YouTube or Google.

6. Links to other sites

The Site links to YouTube and other third-party sites. Those sites have their own terms and privacy policies, and we are not responsible for them.

7. No warranty; limitation of liability

The Site and the Uploader are provided “as is” and “as available”, without warranties of any kind. To the fullest extent permitted by law, we are not liable for any loss or damage arising from your use of the Site, the channel’s content, or the Uploader, including any decision made based on that content.

8. Changes

We may update these terms. The effective date above shows when they last changed. Continuing to use the Site or the Uploader after a change means you accept the updated terms.

9. Contact

Questions about these terms: gatto.ytfinance@gmail.com.