Terms & Conditions

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

1. Website context and acceptance

CRBT operates crdt-manages.com as an informational website that publishes reference text related to financial planning terminology and expense management concepts. These Terms & Conditions describe rules for access to the website, use of pages, and use of the Contact form.

Agreement to these terms

Access to the website indicates acceptance of these Terms & Conditions as the rules that apply to website use. If acceptance is not present, use of the website ends and no further interaction with the website occurs.

2. Informational content and limitations

Website content consists of definitions, context explanations, and descriptions of terms used in recordkeeping discussions. Content is general in nature and does not include individualized analysis, account access, or institution-specific materials.

No services and no transactions

CRBT does not provide services, does not accept payments, and does not offer subscriptions. The website does not present offers, pricing, discounts, or sales activity, and the website does not operate as a marketplace.

3. Eligibility and audience note

The website is intended for a general audience. The website is not directed to children under 13 and does not intentionally collect personal information from children under 13 through standard site pages.

Age-related submission context

Use of the Contact form represents a voluntary message submission. Messages that indicate a sender under 13 are handled as described in the Privacy Policy and are not processed for ongoing communication lists.

4. Permitted use of the website

Use of the website is limited to personal, noncommercial reading and general reference access. Permitted activity includes viewing pages, using internal navigation, and saving pages through standard browser functions.

Website integrity and stable operation

Activity that interferes with website stability is not permitted. Interference includes disruptive traffic patterns, attempts to bypass security controls, and actions that degrade availability for other visitors.

5. Prohibited conduct

The website does not support unlawful use. Prohibited conduct includes transmitting malicious code, attempting unauthorized access to administrative areas, and submitting content that includes threats or harassment.

Automated access and bulk extraction

Automated access that creates excessive load, bulk extraction that disrupts normal availability, and systematic copying of substantial parts of the website are not permitted where such activity affects service stability or violates applicable law.

6. Contact form rules

The Contact form supports one-time messages related to the CRBT website, including correction requests, questions about wording, and policy text inquiries. The form fields include Name, E-mail, Subject, and Message, and the submission creates a correspondence record.

Submission requirements and content limits

Submissions require truthful information to the extent needed for communication, including a reply email address. Messages are required to avoid impersonation, malicious payloads, and content that violates applicable law.

7. Handling of communications

CRBT handles contact submissions as individual requests and uses the submitted information for intake, routing, response drafting, and administrative tracking. The website does not describe marketing mailings, newsletters, or promotional campaigns based on contact submissions.

Notices and administrative messages

Administrative messages related to policy questions, page corrections, and website text issues are treated as correspondence. Responses are issued using the channel associated with the submission record where a response occurs.

8. Intellectual property and site materials

Website text, layout, and design elements are owned by CRBT or used under applicable licenses. Access to the website provides a limited permission to view the content for personal reading under these Terms & Conditions.

Restrictions on reuse

Reproduction, republication, or redistribution of substantial portions of the website requires written permission unless an exception applies under applicable law. Removal of copyright notices or attribution marks that appear on the website is not permitted.

9. Accuracy, corrections, and updates

CRBT maintains content for informational clarity and consistency with the website scope. Errors or unclear wording may be corrected, and sections may be revised to align definitions across pages.

Change management

Changes include edits to definitions, reorganization of headings, and updates to policy text. Policy pages include a Last Updated date, and the active text on the website serves as the current version.

10. Availability and technical conditions

Website availability depends on hosting infrastructure and network conditions. Temporary interruptions may occur due to maintenance, security events, or service provider limitations.

Access limitations

CRBT does not guarantee uninterrupted access. The website may limit access in response to security threats, abnormal traffic, or misuse that affects stability.

11. External links and third-party resources

Where external links appear, they serve as general reference context. CRBT does not control external websites and does not adopt third-party statements as CRBT content.

Third-party terms

External sites operate under their own terms and privacy policies. Review of third-party policies occurs on the external site and is outside CRBT operational control.

12. Privacy and cookie references

Information handling related to website access and contact submissions is described in the Privacy Policy. Cookie categories and cookie preference controls are described in the Cookie Policy.

Relationship between policies and these terms

These Terms & Conditions describe usage rules, while policies describe information handling and cookie practices. Where a conflict appears between a policy and these Terms & Conditions, the more specific text for the topic governs within the website context.

13. Disclaimers and limitation of liability

CRBT provides the website and its content on an as-is basis for informational access. Liability for losses or damages related to use of the website content is disclaimed, subject to limitations under applicable law.

Technical and operational limitations

CRBT disclaims liability for interruptions, transmission issues, and errors caused by third-party systems outside CRBT control, subject to applicable law. Use of information remains the responsibility of the visitor.

14. Governing law

These Terms & Conditions are governed by laws applicable in the United States, without reference to conflict-of-law principles.

Jurisdiction note

Disputes related to website access and use are addressed under applicable U.S. law in a forum with appropriate jurisdiction.

15. Severability

If a provision of these Terms & Conditions is found unenforceable, the remaining provisions remain in effect to the extent permitted by applicable law.

Interpretation

Headings organize topics and do not limit the scope of the related text. Terms used in these Terms & Conditions are interpreted in the context of an informational website.

16. Contact

Questions about these Terms & Conditions are submitted using the contact details listed at the top of this page. CRBT uses contact submissions for message-based correspondence related to website text and policy pages.

Records related to contact

Contact records are handled as correspondence entries as described in the Privacy Policy. The website does not describe recurring outreach based on Contact form submissions.

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