Terms of Use

Effective date: January 1, 2024

These Terms of Use (“Terms”) govern your access to and use of the SJ Consultation website (the “Site”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not use the Site.

1. Informational Purposes Only / No Licensed Advice

The Site is provided for general informational purposes only. Nothing on the Site constitutes legal advice, tax advice, investment advice, an offer to sell securities, or a solicitation to buy securities. Use of the Site does not create a client relationship, fiduciary duty, or professional advisory relationship unless and until a written engagement agreement is executed.

2. Permitted Use

You may use the Site for lawful purposes and in accordance with these Terms. You agree not to:

Use the Site in any way that violates applicable law or regulations.
Attempt to gain unauthorized access to the Site, servers, or systems.
Copy, scrape, reverse engineer, or misuse Site content or functionality.
Introduce malware, interfere with operations, or attempt to disrupt service.

3. Intellectual Property

The Site and its content (including text, graphics, methods, frameworks, and branding) are owned by SJ Consultation or its licensors and are protected by applicable intellectual property laws. Unauthorized use is prohibited.

4. Third-Party Links

The Site may include links to third-party websites. SJ Consultation does not control third-party sites and is not responsible for their content, privacy practices, or availability.

5. Disclaimers

THE SITE IS PROVIDED “AS IS” AND “AS AVAILABLE.” SJ CONSULTATION DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

6. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SJ CONSULTATION SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SITE.

7. Indemnification

You agree to indemnify and hold harmless SJ Consultation from claims, liabilities, damages, and expenses (including reasonable attorneys’ fees) arising out of your misuse of the Site or violation of these Terms.

8. Changes to the Site or Terms

We may modify the Site or these Terms at any time. Updated Terms will be posted on this page with a revised effective date. Your continued use of the Site constitutes acceptance of the updated Terms.

9. Governing Law

These Terms are governed by the laws of the State of Illinois, USA, without regard to conflict-of-law rules.

10. Contact

Questions about these Terms may be directed to SJ Consultation at: Willis Tower, 233 South Wacker Drive, Suite 4400, Chicago, IL 60606 USA.