These terms and conditions (referred to as the "User Agreement") govern the use of this website (referred to as the "Website") and associated social media accounts on platforms like Facebook, LinkedIn, Instagram, Twitter, and YouTube. These accounts are operated by Clearwater Consulting LLC and its affiliates (referred to as "Clearwater Consulting LLC", "we", "us", or the "Company") for informational, educational, or business purposes (referred to as the "Social Media Platforms" collectively with the Website, as the "Site"). Please read these terms carefully before using the Site. By accessing and continuing to use the Site, you acknowledge that you have read, understood, and agreed to these terms. If you do not agree to these terms, you may not access or use the Site. Clearwater Consulting LLC reserves the right to change, modify, add, or remove portions of these terms at any time, with any modifications being effective immediately upon posting, unless stated otherwise. Therefore, we recommend reviewing these terms periodically for updates. Your continued use of the Site after changes to the terms signifies your acceptance of the amended terms.

Clearwater Consulting LLC Grants You Limited Use of the Site

You must not attempt to violate the security of the Site. We reserve the right to revoke your access to all or any part of the Site at any time and for any reason.

Ownership of the Site

The Site is protected by various intellectual property rights owned by Clearwater Consulting LLC, its affiliates, or third parties, including copyrights, patents, trademarks, and service marks. You may not reverse engineer, decompile, or redistribute any portion of the Site without explicit permission. Additionally, Clearwater Consulting LLC is not affiliated with third-party social media platforms, and your use of such platforms is subject to their respective terms and conditions, as well as this User Agreement.

Disclaimer

All content on the Site is for informational purposes only and should not be considered investment, legal, accounting, or tax advice. We do not endorse any specific securities or investment strategies, and decisions based on information from the Site are your sole responsibility. If you require professional advice, consult with your own advisors. Past performance is not indicative of future results.

We make reasonable efforts to provide accurate content but do not guarantee its timeliness or accuracy. We are not liable for any actions taken based on the content of the Site. The materials on the Site are provided "AS IS" without any warranties.

Limitation of Liability

Clearwater Consulting LLC, its affiliates, agents, and employees will not be liable for any indirect, incidental, special, punitive, or consequential damages arising out of or related to this User Agreement or the use of the Site.

Governing Law and Jurisdiction

These terms and your use of the Site are governed by the laws of the United States of America and the State of New York. Any legal action related to the Site shall be brought exclusively in a federal or state court in New York.

Additional Terms

If any provision of these terms is deemed unlawful or unenforceable, the validity and enforceability of the remaining provisions shall not be affected. Clearwater Consulting LLC reserves the right to alter or delete materials from the Site at any time.