Terms of Use

These Terms of Use ("Terms") govern your use of the GITSA websites operated by GITSA LLC ("GITSA," "we," or "us"): the corporate website at gitsagroup.com and the GITSA Global Research Center at research.gitsagroup.com (the "Research Center"), together the "Websites."

You may browse the Websites subject to these Terms. Downloading research requires that you affirmatively accept these Terms. If you do not agree, please do not use the Websites.

The Websites describe GITSA's solutions, digital tools, professional-development programs, and publications for general information. These descriptions, including any stated availability dates, do not by themselves create a contract, service agreement, engagement, guarantee, or commitment by GITSA. Any engagement is governed only by a separate written agreement signed by GITSA.

Submitting an inquiry through the Contact form does not create a client, consulting, or other relationship and does not oblige GITSA to respond or to provide any service. Please do not include confidential or sensitive information in an inquiry. Our handling of inquiry information is described in the Privacy Policy.

Research Center content (and other publications on the Websites) is secondary research or general commentary provided for general informational and educational purposes. It is not legal, regulatory, tax, accounting, actuarial, investment, financial, insurance, or other professional advice, and it should not be relied on as a substitute for advice from qualified professionals who know your circumstances.

Nothing on the Websites is an offer, solicitation, recommendation, or endorsement of any product, service, company, or course of action. Your use of the Websites does not create a fiduciary, adviser, consulting, or client relationship with GITSA.

Research is based on sources GITSA believes to be reliable, but GITSA does not independently verify all third-party information. Each publication reflects information available as of its research cut-off date. Forecasts, estimates, and forward-looking views are inherently uncertain, and actual outcomes may differ.

Information may change after publication. GITSA may correct, update, or withdraw any publication at any time, but is not obligated to update content.

Except for third-party material, GITSA owns the original research, text, design, exhibits, and compilation of the Websites. All rights not expressly granted are reserved.

GITSA grants you a limited, revocable, non-exclusive, non-transferable license to view and download research for your personal use or internal business use, subject to these Terms.

You may quote short excerpts with accurate attribution to "GITSA Global Research Center," including the publication title and date, provided the quotation is not misleading.

Without GITSA's prior written permission, you may not:

• reproduce or republish substantial portions of any publication or Website content;
• resell, sublicense, or commercially redistribute Website content;
• remove or alter copyright, attribution, or other notices;
• systematically scrape, crawl, or extract data from the Websites;
• create derivative datasets from Website content;
• use substantial GITSA content to train, fine-tune, or evaluate artificial intelligence or machine-learning models; or
• bypass or circumvent download or access controls.

GITSA, CWA®, PRIME™, GoalsConnect™, LEAP™, QUEST™, INSPIRE, and related names, logos, and program names used on the Websites are marks of GITSA or its licensors. You may not use them without GITSA's prior written permission, except to refer accurately to GITSA's offerings.

Third-party names, trademarks, logos, and data referenced on the Websites remain the property of their respective owners. References to third parties do not imply endorsement, sponsorship, or affiliation.

If future Research Center content is sponsored, commissioned, or materially influenced by a commercial relationship, GITSA will identify that relationship clearly in or near the publication.

When you use forms on the Websites, you agree to provide accurate professional details, to use the Websites only for lawful purposes, and not to interfere with or attempt to compromise its security, availability, or access controls.

Links to third-party websites are provided for convenience only. GITSA does not control and is not responsible for third-party websites and does not endorse them.

GITSA may change, suspend, or discontinue any part of the Websites at any time. GITSA may update these Terms; the effective date above shows the current version. Continued use after an update means you accept the updated Terms.

To the fullest extent permitted by law, the Websites and their content are provided "as is" and "as available," without warranties of any kind, express or implied, including warranties of accuracy, completeness, merchantability, fitness for a particular purpose, and non-infringement.

To the fullest extent permitted by law, GITSA and its affiliates, officers, employees, and contributors will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, data, or business opportunity, arising from or related to your use of, or reliance on, the Websites.

Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable law.

You agree to indemnify GITSA against losses, claims, and reasonable costs to the extent they arise from your unlawful misuse of the Websites, your infringement of GITSA's or a third party's rights, or your breach of these Terms.

These Terms are governed by the laws of the State of Connecticut, USA, without regard to conflict-of-laws rules, and disputes will be heard in the state or federal courts located in Connecticut, except to the extent mandatory law in your jurisdiction provides otherwise.

If any provision of these Terms is found unenforceable, the remaining provisions remain in effect. GITSA's failure to enforce a provision is not a waiver. These Terms, together with the Privacy Policy, are the entire agreement between you and GITSA regarding the Websites.

For questions about these Terms, email info@gitsagroup.com. For privacy-related questions, email privacy@gitsagroup.com.