Disclaimer

The content is provided for informational purposes only and does not constitute a recommendation, guidance, or professional advice.

1. Informational scope and content type

CRBT publishes general reference content related to financial planning and expense management terminology. Content includes definitions of common terms, descriptions of record fields found in expense logs, explanations of category labels, and summary terms used for organizing records by time period.

The website content is written as general information and is not prepared for a specific person, household, or situation. The website does not request details about a visitor’s finances for the purpose of producing individualized output, and the website does not present individualized evaluations.

2. No recommendation, guidance, or professional advice

CRBT does not provide financial advice, legal advice, tax advice, accounting advice, or other regulated professional services. The website text does not constitute a recommendation, guidance, or professional advice and does not create a professional relationship between CRBT and a visitor.

Any use of the information remains the responsibility of the visitor. CRBT does not present the website as a substitute for working with qualified professionals, and CRBT does not present the definitions on the website as instructions directed to a particular decision.

3. No services, no transactions, and no subscriptions

CRBT is noncommercial and informational. The website does not provide services, does not accept payments, and does not offer subscriptions. The website does not present offers, pricing, discounts, promotions, or sales activity.

The Contact page is presented as a one-time message channel for website communications. Contact messages are handled as individual correspondence records and are not described as a subscription channel or a marketing communication list.

4. Keyword and naming references

CRBT pages may include keyword phrases such as Cedar Rapids Bank and Trust and CRBT as text strings used for indexing context and topic labeling. These references appear as part of headings, metadata, or glossary-style context lines.

Such keyword references do not state affiliation, endorsement, or representation. The website does not present institution-specific materials, product descriptions, or account-related features associated with any external organization that uses similar wording.

5. Accuracy, completeness, and revisions

CRBT maintains content for clarity and internal consistency within the website scope. The website may update content to correct errors, adjust wording, improve readability, or reflect changes in site operation or policy text.

CRBT does not guarantee that all information is complete for all uses or that all content remains unchanged over time. The active text displayed on the website is the current version. Where applicable, policy pages display a Last Updated date.

6. Examples and general descriptions

Where the website uses examples such as category names or record fields, examples are provided as general descriptions of how terms appear in recordkeeping materials. Examples are not presented as required formats and are not presented as instructions for a particular person.

Examples that reference time periods, categories, or record fields are intended to illustrate definitions. The presence of an example does not indicate that a visitor must use the same labels or structures.

7. Technical availability and access limits

CRBT provides the website on an as-is basis. Access may be interrupted due to maintenance, hosting limitations, security controls, or network conditions outside the website’s direct control.

CRBT may limit access in response to security risks, abnormal traffic patterns, or activity that interferes with stable operation. These controls are used for website integrity and do not represent a service guarantee.

8. External links and third-party content

Where external links appear, they are provided for general reference context. CRBT does not control external websites and does not adopt third-party statements, terms, or privacy practices as part of CRBT content.

External sites operate under their own terms and policies. Any interaction with third-party sites occurs under those third-party rules and is outside CRBT operational control.

9. Limitation of liability

CRBT disclaims liability for losses or damages arising from use of the website, subject to limitations under applicable law. This includes losses related to reliance on general definitions for personal financial decisions and losses related to interpretation of general terminology.

CRBT also disclaims liability for technical interruptions, transmission issues, and errors caused by systems outside CRBT control, including hosting providers, network services, and third-party platforms, subject to limitations under applicable law.

10. Contact and policy alignment

Questions about the website text or this Disclaimer are submitted using the contact details listed at the top of this page. CRBT responds, where applicable, using the communication channel associated with the inquiry.

This Disclaimer is intended to be read together with the Privacy Policy, Cookie Policy, and Terms & Conditions. Each document addresses a different topic area, and the active text displayed on the website is the current reference.

⬆️For more information, please use the contact details above.