Terms of Service
The agreement that governs your use of the Applied Business Consulting website and services. Please read it.
1. Acceptance
These Terms of Service (“Terms”) are a binding agreement between you and Applied Business Consulting, operated by Andrew Naron (“we,” “us,” or “our”). By using this website or our services (the “Services”), including the free AI Readiness Assessment, you agree to these Terms and to our Privacy Policy. If you don’t agree, please don’t use the Services. If you use the Services for a business, you represent that you can bind that business.
2. Who we are
Applied Business Consulting is an AI-adoption advisory practice for owner-led small businesses, based in St. Louis, Missouri, and operated by Andrew Naron.
3. The services
The Services include informational content, the ability to contact us and book a working session, and a free AI Readiness Assessment that returns general, automated guidance based on your answers. The Services are provided for general informational purposes and may not be error-free or continuously available. We may add, change, or remove features at any time.
4. No professional advice; no client relationship
Content on this Site and the results of the AI Readiness Assessment are general information, not legal, financial, tax, or other professional advice, and are not a substitute for advice tailored to your situation. Using the Site, submitting a form, or completing the Assessment does not by itself create a consulting or advisory relationship. Any engagement is formed only through a separate written agreement. Always use your own judgment and, where appropriate, consult a qualified professional before making business decisions.
5. AI tools & output
About AI. Our Services may generate output using artificial intelligence, and we help you evaluate third-party AI tools. AI output can be inaccurate, incomplete, outdated, or fabricated, even when it looks confident.
All AI output and tool recommendations are provided on an “as is” basis for informational purposes. You are responsible for reviewing and verifying anything before you rely on it, and for how you use any third-party tool, including its costs, terms, and data practices.
We are not responsible for the performance, pricing, availability, or data handling of any third-party AI tool we may mention or recommend.
6. Acceptable use
You agree not to use the Services unlawfully; to submit content you don’t have the right to submit or that is harmful, harassing, or infringing; to attempt to gain unauthorized access to or disrupt the Site; or to submit other people’s personal or confidential data without a lawful basis and appropriate consent. We may remove content and suspend access for suspected violations.
7. Intellectual property
The Site and its content, design, and branding are owned by or licensed to us and protected by law. We grant you a limited, revocable, non-transferable license to use the Site for its intended purpose. You keep rights in what you submit and grant us a license to use it as needed to provide the Services and as described in our Privacy Policy.
8. Third-party tools & links
The Site may link to or discuss third-party websites, software, and AI tools. Those are governed by their own terms and privacy policies, and we are not responsible for them or for your dealings with them.
9. Disclaimer of warranties
The services and all content and output are provided “as is” and “as available,” without warranties of any kind, express, implied, or statutory, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the services will be uninterrupted, secure, error-free, or that any output or recommendation will be accurate or produce any particular result.
Some jurisdictions don’t allow certain warranty exclusions, so some of the above may not apply to you.
10. Limitation of liability
To the fullest extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any lost profits, revenue, data, goodwill, or business, arising out of or relating to your use of or inability to use the services, the assessment, or any AI output or recommendation, under any theory of liability, even if advised of the possibility.
To the fullest extent permitted by law, our total aggregate liability for all claims relating to the services will not exceed the greater of the amounts you paid us for the service giving rise to the claim in the three (3) months before the event, or one hundred U.S. dollars (US $100).
Some jurisdictions don’t allow certain limitations, so some of the above may not apply to you.
11. Indemnification
You agree to defend, indemnify, and hold harmless Applied Business Consulting and Andrew Naron, and their agents and service providers, from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use or misuse of the Services; (b) your violation of these Terms or the Privacy Policy; (c) your violation of any law or any third party’s rights, including any content or data you submit; or (d) your reliance on any AI output, recommendation, or assessment result. This section survives termination.
12. Changes & termination
We may modify, suspend, or discontinue any part of the Services at any time without liability, and we may update these Terms — your continued use after changes means you accept them. We may suspend or end your access at any time. Sections that by their nature should survive (including disclaimers, limitation of liability, and indemnification) survive termination.
13. Governing law & disputes
These Terms are governed by the laws of the State of Missouri, without regard to conflict-of-laws rules. The exclusive venue for disputes is the state and federal courts located in or serving St. Louis, Missouri, and you consent to their jurisdiction. Please contact us first and try in good faith to resolve any dispute informally for at least thirty (30) days before filing a claim. Any claim must be brought within one (1) year after it arises, to the extent permitted by law.
14. General
These Terms, with the Privacy Policy and any written engagement agreement, are the entire agreement between us regarding the Services. If any provision is unenforceable, the rest remain in effect. Our failure to enforce a provision isn’t a waiver. You may not assign these Terms without our consent; we may assign them in a business transfer. Nothing here creates a partnership, agency, or joint venture.
15. Contact
Applied Business Consulting
Attn: Andrew Naron
Email: [email protected]
St. Louis, Missouri, United States
See also our Privacy Policy.