Legal & Policies

CRESCENDO ANALYTIC LLC
WEBSITE POLICIES
Effective Date: December 30, 2025

1. TERMS OF USE

1.1 Acceptance
By accessing crescendoanalytic.com (the “Site”) or purchasing any Crescendo Analytic LLC (“Company,” “we,” “our”) products, you (“you,” “User”) agree to these Terms of Use and all other policies linked below. If you do not agree, do not use the Site.

1.2 Informational Purposes Only
Content is provided for general informational purposes; it does not constitute financial, investment, legal, or professional advice. You assume full responsibility for any decisions you make based on our content. Past performance is not indicative of future results.

1.3 Intellectual Property & License
All Site content—including reports, data visualizations, text, graphics, logos, and software—is © 2025 Crescendo Analytic LLC. All rights reserved.

License: We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site and any purchased PDF reports for your personal or internal business purposes only.
Prohibited Uses: No resale, distribution, reproduction, modification, reverse-engineering, scraping, or public display without our prior written consent.
Attribution: Any approved quotation or derivative must cite: “Source: Crescendo Analytic LLC – [Product Name].”

1.4 User Conduct
You agree not to:

a) Violate any law or regulation;
b) Infringe our intellectual-property rights;
c) Attempt to gain unauthorized access to the Site or its servers;
d) Upload malware or harmful code;
e) Use automated systems (bots, spiders) to access the Site without permission.

1.5 Confidentiality of Purchased Reports
Some reports contain sensitive or proprietary data. You will keep them confidential and not disclose them to any unauthorized party.

1.6 Third-Party Links
The Site may link to external websites we do not control. We are not responsible for their content or practices.

1.7 Disclaimers & Limitation of Liability
The Site and all content are provided “as is” without warranties of any kind.
To the fullest extent permitted by law, Crescendo Analytic LLC is not liable for any direct, indirect, incidental, consequential, or punitive damages arising out of or relating to your use of the Site or our products—even if advised of the possibility of such damages.

1.8 Indemnification
You agree to indemnify and hold harmless Crescendo Analytic LLC and its officers, employees, and contractors from any claims, damages, or expenses (including attorneys’ fees) arising out of your violation of these Terms.

1.9 Governing Law & Venue
These Terms are governed by the laws of the State of Tennessee, without regard to conflict-of-law principles. Exclusive jurisdiction and venue lie in the state or federal courts located in Tennessee.

1.10 Changes to Terms
We may update these Terms at any time. Continued use of the Site after changes means you accept the revised Terms.

2. FULFILLMENT & REFUND POLICY

2.1 Digital Delivery
All market reports and data products are delivered electronically as downloadable PDF files. A secure download link is emailed immediately after successful payment.

2.2 Non-Transferability
Each purchase grants a single-user (or, if purchased under a team license, the specified number of named users) the right to access the file.

2.3 Sales Final – No Refunds
Because our products are digital and irrevocably delivered once accessed, all sales are final and non-refundable. If you experience technical issues with a download, contact us within 7 days at contact@crescendoanalytic.com, and we will re-send the file.

2.4 Billing Currency & Taxes
Prices are listed in U.S. dollars unless otherwise stated. You are responsible for any applicable taxes.

3. PRIVACY POLICY

3.1 Information We Collect

Information you provide: name, email, company, billing address, payment details.
Automatic data: IP address, browser type, pages visited, and cookies.

3.2 How We Use It

Process and fulfill orders;
Send transactional or marketing emails (you may opt-out anytime);
Maintain Site security and improve our services;
Comply with legal obligations.

3.3 Sharing & Disclosure
We never sell your personal data. We share it only with:

Trusted service providers (payment processors, email platforms) who agree to protect the data;
Authorities if required by law or to protect our rights.

3.4 Data Security & Retention
We use industry-standard encryption and restrict access to authorized personnel. Data is retained only as long as necessary to fulfill the purposes above.

3.5 Your Rights
Depending on your jurisdiction, you may request access, correction, deletion, or restriction of your personal data. Email contact@crescendoanalytic.com to exercise your rights.

4. COOKIE POLICY

4.1 What Are Cookies?
Cookies are small text files stored on your device to remember preferences and help the Site function.

4.2 Types We Use

Essential cookies – required for core functionality;
Analytics cookies – collect aggregated usage data;
Marketing cookies – help us tailor communications (only if you consent).

4.3 Managing Cookies
Most browsers let you refuse or delete cookies. Disabling cookies may affect Site performance.

DISCLAIMER OF PROFESSIONAL ADVICE All content is for informational purposes only, carries no guarantee of accuracy, and should not replace professional advice. Consult qualified advisors before making financial or investment decisions.
CONTACT Questions about any policy?
Email: contact@crescendoanalytic.com
Mail: Crescendo Analytic LLC, 952 Aspen Meadow Cove, Cordova, TN 28018

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CONSULTING TERMS OF SERVICE
Effective Date: December 30, 2025

Scope of Engagement
1.1 Statement of Work (SOW)

Each consulting project will be governed by a mutually signed SOW that describes objectives, deliverables, timelines, fees, and any special assumptions. These Consulting Terms apply to every SOW and prevail over any conflicting purchase-order terms unless we expressly agree in writing.

1.2 No Automatic Offer

Information on crescendoanalytic.com is for marketing only and does not constitute an offer to perform services. A binding engagement arises only when both parties sign an SOW.

2. Fees, Expenses & Payment

2.1 Fees: Unless the SOW states otherwise, fees are time-and-materials at our then-current rates.
2.2 Payment Schedule: Invoices are due net 15 days. Late payments accrue 1.0 % interest per month.
2.3 Expenses: Client reimburses reasonable out-of-pocket expenses (travel, third-party data, etc.) pre-approved in writing.

3. Client Responsibilities
Client will (a) provide timely access to relevant data, personnel, and systems; (b) designate a project liaison with decision-making authority; and (c) review deliverables promptly. We are entitled to rely on information you supply without independent verification.

4A. Intellectual Property

4.1 Pre-Existing IP: Each party retains all rights to materials it owned or developed independently of the engagement (“Background IP”).
4.2 Work Product: Upon full payment, Client receives a worldwide, perpetual, royalty-free license to use the specific documents, models, and analyses delivered under the SOW (“Work Product”) for its internal business purposes.
4.3 Methodologies: We retain ownership of our underlying know-how, templates, and analytical frameworks and may reuse them, provided no Client Confidential Information is disclosed.

4B. Public-Source Data

4B.1 Use of Government or Open Data Consultant may incorporate publicly available datasets (including but not limited to U.S. Census, Bureau of Labor Statistics, Federal Reserve, SEC filings, or other open-government sources) into the Work Product.
4B.2 Licensing & Attribution Such data is subject to the license terms (if any) specified by the source agency. Consultant will comply with those terms and will cite the source in the Work Product (e.g., “Source: U.S. Census Bureau, 2024 ACS”).
4B.3 No Warranty of Public Data Consultant makes no representations regarding the accuracy, timeliness, or completeness of third-party public data and shall not be liable for losses arising from Client’s reliance on such data.
4B.4 Client Rights Nothing herein restricts Client’s separate, independent use of the same public data obtained directly from the source.

5. Confidentiality

5.1 Definition: “Confidential Information” means non-public information disclosed by either party that is marked or reasonably understood to be confidential.
5.2 Obligations: For five (5) years after disclosure, the receiving party will protect Confidential Information with the same care it uses for its own, and will not disclose it except to employees or subcontractors with a need to know who are bound by similar obligations.
5.3 Exceptions: Information that is or becomes public through no fault of the receiving party, was already lawfully known, is independently developed, or is required to be disclosed by law is not Confidential Information.
5.4 Compelled Disclosure: If legally compelled, the receiving party will give prompt notice (where lawful) to allow the disclosing party to seek a protective order.

6. Professional-Advice Disclaimer
Recommendations and deliverables are advisory in nature; implementation decisions rest solely with Client. We do not act as a fiduciary or provide legal, tax, or investment advice.

7. No Performance Guarantee
We do not warrant that any recommendation, forecast, or model will achieve specific results or financial outcomes.

8. Limitation of Liability
To the fullest extent permitted by law, Crescendo Analytic LLC’s aggregate liability under any SOW is limited to the consulting fees actually paid to us for the engagement giving rise to the claim. We are not liable for any indirect, incidental, special, or consequential damages (including lost profits or data).

9. Term & Termination

9.1 Term: These Consulting Terms apply from the Effective Date until superseded. Each SOW begins on its signature date and ends upon final delivery or termination.
9.2 Termination for Convenience: Either party may terminate an SOW for convenience with 15 days’ written notice. Client will pay for all work performed and expenses incurred through the termination date.
9.3 Termination for Cause: Either party may terminate immediately for the other’s material breach that remains uncured for 10 days after written notice.

10. Non-Exclusivity & Conflicts
Crescendo Analytic LLC may serve other clients, provided we maintain confidentiality and avoid real conflicts of interest. We will disclose any potential conflict promptly.

11. Insurance

At present Crescendo Analytic LLC does not carry professional-liability (errors & omissions) insurance. Should we obtain such coverage in the future, this Section will be updated to specify the policy limits, and proof of insurance will be furnished to Client upon request. Regardless of insurance status, Crescendo Analytic LLC’s aggregate liability remains capped as set forth in Section 8 (Limitation of Liability).

12. Governing Law & Venue
These Consulting Terms, each SOW, and any dispute arising out of or relating thereto are governed by the laws of the State of Tennessee, excluding its conflict-of-law rules. Exclusive jurisdiction and venue lie in the state or federal courts located in Tennessee, and the parties consent to personal jurisdiction therein.

13. Miscellaneous

13.1 Independent Contractor We are an independent contractor; nothing here creates an employer-employee, partnership, or agency relationship.
13.2 Assignment Neither party may assign rights or obligations without the other’s written consent, except to a successor in interest via merger or asset sale.
13.3 Severability If any provision is unenforceable, the remainder will remain in effect, and the unenforceable portion will be interpreted to accomplish its intent to the maximum extent lawful.
13.4 Entire Agreement These Consulting Terms and any SOW constitute the entire agreement on their subject and supersede all prior oral or written communications. Changes must be in writing and signed by both parties.