This disclaimer governs your use of our website; by using our website, you accept this disclaimer in full. If you disagree with any part of this disclaimer, do not use our website.

Unless otherwise stated, we or our licensors own the intellectual property rights in the website and material on the website. Subject to the license below, all our intellectual property rights are reserved.

You must not republish material from this website (including republication on another website), or reproduce or store material from this website in any public or private electronic retrieval system. You must not reproduce duplicate, copy, sell, resell, visit, or otherwise exploit our website or material on our website for a commercial purpose, without our express written consent.

The information provided or available for download on this website is provided for general information and is not intended to be, does not constitute, and should not be relied upon as, legal, accounting, tax, investment, or other professional advice or services. Because every situation is unique and fact-specific, you should consult a professional who can thoroughly review and analyze all aspects of your particular situation before making any decision or taking action.

We may update, modify, add, or delete the disclaimers included in this Website Disclaimer at any time.

Texts, pictures, footage and graphics and their appearance in CRS website are protected under

copyright law and these materials or any portions thereof may be used solely for personal and non- commercial purposes.

You must not use our website for any purposes related to marketing without our express written consent.

You must not use our website in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.

CRS will not be liable for any direct, indirect or consequential loss or damage arising under this disclaimer or in connection with our website, whether arising in tort, contract, or otherwise – including, without limitation, any loss of profit, contracts, business, goodwill, data, income, revenue or anticipated savings.