Terms of Service

1. Introduction

Welcome to S&Y Consulting. These Terms of Service ("Terms") govern your access to and use of our website and services. By accessing or using our services, you agree to be bound by these Terms and our Privacy Policy.

Please read these Terms carefully before using our services. If you do not agree to these Terms, you may not access or use our services.

2. Definitions

• "Services" refers to the consulting services, website, content, and other offerings provided by S&Y Consulting.
• "User," "you," and "your" refer to the individual or entity accessing or using our Services.
• "We," "us," and "our" refer to S&Y Consulting.
• "Content" refers to all text, images, videos, documents, and other materials available through our Services.

3. Services Description

S&Y Consulting provides strategic consulting services to local businesses, including but not limited to:

• Strategic planning and business development
• Financial advisory services
• Operational excellence consulting
• Local market analysis
• Digital transformation guidance
• Risk management consulting

4. User Accounts

Some of our Services may require you to create an account. When you create an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your password secure and confidential
• Notify us immediately of any unauthorized use of your account
• Be responsible for all activities that occur under your account

5. User Responsibilities

When using our Services, you agree to:

• Comply with all applicable laws and regulations
• Respect the intellectual property rights of others
• Not engage in any activity that could harm our Services or other users
• Not use our Services for any illegal or unauthorized purpose
• Not attempt to gain unauthorized access to any portion of our Services or any related systems or networks
• Not use our Services to transmit any viruses, malware, or other harmful computer code, files, or programs

6. Intellectual Property

All content, features, and functionality of our Services, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, are the exclusive property of S&Y Consulting or our licensors and are protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Services, except as follows:

• Your computer may temporarily store copies of such materials incidental to your accessing and viewing those materials
• You may store files that are automatically cached by your web browser for display enhancement purposes
• You may print or download one copy of a reasonable number of pages of the website for your own personal, non-commercial use and not for further reproduction, publication, or distribution

7. Confidentiality

During the course of our Services, we may exchange confidential information. You agree to:

• Maintain the confidentiality of any proprietary information shared by us
• Not disclose confidential information to any third party without our prior written consent
• Use confidential information only for the purpose of receiving our Services
• Take reasonable measures to protect the confidentiality of such information

8. Payment Terms

For paid Services, the following terms apply:

• Fees are as stated at the time of engagement or as otherwise agreed in writing
• Payment is due according to the terms specified in your service agreement or invoice
• We reserve the right to change our fees with reasonable notice
• You are responsible for all taxes associated with the Services, except for taxes based on our net income
• Late payments may incur interest charges as permitted by law

9. Limitation of Liability

To the maximum extent permitted by law, S&Y Consulting and its officers, directors, employees, and agents 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 the Services
• Any conduct or content of any third party on the Services
• Any content obtained from the Services
• Unauthorized access, use, or alteration of your transmissions or content

In no event shall our total liability to you for all claims exceed the amount paid by you, if any, for accessing or using our Services during the twelve (12) months preceding the claim.

10. Disclaimer of Warranties

Our Services are provided on an "as is" and "as available" basis, without any warranties of any kind, either express or implied. We disclaim all warranties, including but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that our Services will be uninterrupted, timely, secure, or error-free, or that any defects will be corrected. We do not warrant any specific outcomes or results from the use of our Services.

11. Indemnification

You agree to defend, indemnify, and hold harmless S&Y Consulting 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 Services.

12. Termination

We may terminate or suspend your access to our Services immediately, without prior notice or liability, for any reason, including but not limited to a breach of these Terms.

Upon termination, your right to use the Services will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any legal action or proceeding arising out of or relating to these Terms shall be brought exclusively in the federal or state courts located in New York County, New York, and you consent to the personal jurisdiction of such courts.

14. Changes to Terms

We reserve the right to modify or replace these Terms at any time. We will provide notice of any material changes by posting the new Terms on this page and updating the "Last Updated" date. Your continued use of the Services after any such changes constitutes your acceptance of the new Terms.

15. Contact Information

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