Terms & Conditions

1. Acceptance of Terms

These Terms and Conditions ("Terms") govern your access to and use of the website operated by Data Systems Analysts Inc., doing business as CRBT ("Company," "we," "our," or "us"). 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.

2. Description of Services

CRBT provides IT architecture and integration audit consulting services for financial platforms. Our services include comprehensive evaluations of IT infrastructure, identification of risks and bottlenecks, and recommendations for improving system uptime, performance, and delivery speed.

The information provided on this website is for general informational purposes only and does not constitute professional advice for your specific situation.

3. Use of Website

3.1 Permitted Use

You may use our website for lawful purposes only. You agree not to:

• Use the website in any way that violates applicable laws or regulations
• Attempt to gain unauthorized access to our systems or networks
• Interfere with or disrupt the website or servers
• Transmit any viruses, malware, or harmful code
• Collect or harvest information about other users
• Use automated systems to access the website without permission
• Impersonate any person or entity

3.2 Account Security

If you create an account or receive access credentials for any portion of our website, you are responsible for maintaining the confidentiality of your credentials and for all activities under your account.

4. Intellectual Property Rights

All content on this website, including text, graphics, logos, images, and software, is the property of Data Systems Analysts Inc. or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content from our website without our express written permission.

5. Third-Party Links

Our website may contain links to third-party websites or services that are not owned or controlled by us. 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 liable for any damage or loss caused by your use of any third-party content or services.

6. Disclaimer of Warranties

OUR WEBSITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability and fitness for a particular purpose
• Warranties that the website will be uninterrupted, secure, or error-free
• Warranties regarding the accuracy, reliability, or completeness of content
• Warranties that defects will be corrected

We do not warrant that the website or services will meet your requirements or expectations.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, DATA SYSTEMS ANALYSTS INC. SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• Your access to or use of (or inability to access or use) our website or services
• Any conduct or content of any third party on the website
• Any content obtained from the website
• Unauthorized access, use, or alteration of your transmissions or content

IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY, OR ONE HUNDRED DOLLARS ($100) IF NO PAYMENT WAS MADE.

8. Indemnification

You agree to defend, indemnify, and hold harmless Data Systems Analysts Inc. and its officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the website.

9. Professional Services

If you engage our professional consulting services, separate written agreements will govern the terms of that engagement. These Terms do not create a consulting relationship or professional services agreement.

Any advice, recommendations, or information provided through our website are general in nature and should not be relied upon as specific professional advice for your situation. We recommend consulting with qualified professionals regarding your specific circumstances.

10. No Financial Advice

CRBT provides technical consulting services only. Nothing on this website constitutes financial, investment, legal, or tax advice. We make no recommendations regarding financial products, investments, or business decisions. You should consult with appropriate licensed professionals before making any financial or business decisions.

11. Modifications to Terms

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 changes become effective constitutes acceptance of the modified Terms.

12. Modifications to Website

We reserve the right to modify, suspend, or discontinue any aspect of our website at any time without notice or liability.

13. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania and the United States, without regard to conflict of law principles.

Any legal action or proceeding arising out of or relating to these Terms or the website shall be brought exclusively in the state or federal courts located in Pennsylvania, and you consent to the personal jurisdiction of such courts.

14. Dispute Resolution

Any dispute arising from these Terms or your use of our website shall first be addressed through good faith negotiations. If negotiations do not resolve the dispute within thirty (30) days, either party may pursue other legal remedies.

15. Severability

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, and the remaining provisions shall remain in full force and effect.

16. Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

17. Entire Agreement

These Terms, along with our Privacy Policy and any other legal notices published on our website, constitute the entire agreement between you and Data Systems Analysts Inc. regarding your use of the website.

18. Contact Information

If you have questions about these Terms, please contact us:

19. Survival

All provisions of these Terms which by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, indemnification, and limitations of liability.