A more thorough explanation:

conjunctim et divisim (pronounced kuhn-jungk-tim et duh-vy-sim or -sim) is a Latin term that means "jointly and severally."

When two or more people are held responsible for a debt, they can be held liable conjunctim et divisim. This means that they are responsible for the entire debt together, but each person can also be held responsible for the full amount individually.

Another example of conjunctim et divisim is in a partnership. Partners are jointly responsible for the business, but they can also be held individually responsible for any debts or legal issues that arise.

These examples illustrate how conjunctim et divisim means that multiple parties share responsibility for something, but each party can also be held responsible individually.