These Terms of Service (“Terms”) apply to and any other Destreza Website on or accessible via (collectively, Our “Websites”) that link to these Terms.

Some Websites and certain content may be subject to different or additional terms. By accessing any other Websites or content, you agree to be bound by any additional terms that govern the use of each such Website or such content.

Please read these Terms carefully as they contain important information regarding your legal rights, remedies, and obligations with respect to your use of Our Websites, including but not limited to various limitations, exclusions, and indemnities.

By accessing or using Our Websites, and the content and services available via Our Websites, you signify that you have read, understand and agree to be bound by these Terms in all respects with respect to Our Websites.  If you are not willing to be bound by each and every term or condition, or if any representation made herein by you is not true, you may not use and must cease using Our Websites.

As used in these Terms and Our Websites, Destreza, us, and we refer to the Destreza network and/or one or more of its Associates.

Definition of Terms

For clarity and comprehension, we have defined certain words used in the Terms and on Our Websites. Additional definitions are included elsewhere in the Terms.

Content” means all materials and content, including designs, editorial, text, graphics, audiovisual materials, multimedia elements, photographs, videos, music, sound recordings, reports, documents, software, information, formulae, patterns, data and any other work.

Associates” means a local partnership, firm or other entity that is a member of the Destreza network of firms, each of which is a separate legal entity, as well as any affiliate or any subsidiaries.

Partner” and “Principal” mean an individual who is a partner, principal, member, shareholder or equivalent of an Associates, in accordance with terminology commonly used in professional services organizations. Likewise, “office” refers to any office of one or more Associates in the relevant jurisdiction.

Destreza”, “we” or “us” refer to the Destreza network and/or its individual Associates. “Destreza”, “we” or “us”, as used in individual articles and thought leadership pieces available on Our Websites may, depending on context, refer to the Destreza network as a collective or to individual Associates.

Destreza Parties” refers collectively and inclusively to the individual Associates of the Destreza network, including their respective officers, directors, partners, principals or equivalent; personnel; affiliates; business associates; licensors; and contractors and subcontractors.

Registered User” means a User who has registered and created an Account with Destreza to access enhanced features of a Website.

User” means all users of a Website.

you” means you as an individual user of a Website.

About Our Websites

Our Websites provide information about Destreza, including thought leadership and the services and products we provide.  References to “the Website,” “Our Websites”, and “” include all software, content, and features provided within the relevant Website(s).

Our Websites offer a range of interactive features, such as access to premium and personalized content, user profiles, reading lists, commenting and other publicly accessible collaborative features. We may add other features from time to time.  Certain features are available only to Registered Users. For more information about registration, please see the Registration section of these Terms.

Informational purposes only

Our Websites and content available within them is for informational purposes only. Neither Our Websites nor the content available within them constitutes professional advice, and neither should be relied upon by you or any third-party, including for example to operate or promote your business, secure financing or capital in any form, obtain any regulatory or governmental approvals, or otherwise to procure services or other benefits from any entity.  Before making any decision or taking any action, you should consult with professional advisers.

Changes to and availability of Our Websites

Our Websites are made available on an “as is” basis with no representation or warranty with respect to their functionality or availability and with no guarantee that they are complete, accurate, or timely nor any guarantee regarding any results you or others may obtain from their use. Access to all or parts of any of Our Websites may be suspended at any time without notice.

Submissions, including Comments and Feedback

Our Websites may contain functionality that permits you to comment on articles; share materials; provide ideas, proposals, suggestions (“Feedback”); or otherwise make available certain materials through or in connection with your use of Our Websites (collectively, “Submissions”).

If you choose to make publicly available any of your personally identifiable or other information through Our Websites (for example through posting a comment or other form of Submission), you do so at your own risk. You will also comply with all relevant requirements set out in these Terms when making a submission.

You acknowledge and agree that your Submissions are not confidential; that your provision of Submissions is gratuitous, unsolicited and without restriction; and that the provision of any Submission does not place Destreza under any fiduciary or other obligation.

We may (but have no obligation to) monitor, evaluate, alter or remove Submissions before or after they appear on the site; however, we have no control over and are not responsible for any use or misuse (including any distribution) by any third-party of Submissions.


We may monitor use of Our Websites from time to time but have no obligation to do so.  If and when we do monitor your use of one or more of Our Websites, we will do so in accordance with applicable law.

Your responsibilities

Acceptable conduct

You will use Our Websites only for lawful purposes.  If at any time you become aware of any violation, by any person or entity, of any part of these Terms, you will immediately notify us through our Contact Form and provide us with assistance, as requested, to stop or remedy such violation.

Prohibited conduct

In using Our Websites, you must not do any of the following:

  • Post, transmit or otherwise make available through Our Websites any materials that are or may be: (a) threatening, harassing, degrading, hateful or intimidating, or otherwise fail to respect the rights and dignity of others; (b) defamatory, libelous, fraudulent or otherwise tortious; (c) obscene, indecent, pornographic or otherwise objectionable; or (d) potentially harmful or invasive or intended to damage or hijack the operation of, or to monitor the use of, any hardware, software or equipment, such as a virus, worm, Trojan horse, Easter Egg, time bomb, spyware or other computer code, file or program (each, a “Virus”).
  • Post, transmit or otherwise make available through Our Websites any material protected by copyright, trademark, trade secret, right of publicity or privacy or any other proprietary right, without the express prior written consent of the applicable owner.
  • Use Our Websites for any commercial purpose or otherwise use Our Websites for processing data or other information on behalf of any third-party.
  • Use Our Websites for any purpose that is fraudulent or otherwise tortious or unlawful.
  • Interfere with or disrupt the operation of Our Websites or the servers or networks used to make Our Websites available, including by hacking or defacing any portion of any of Our Websites; or violate any requirement, procedure or policy of such servers or networks.
  • Restrict or inhibit any other person from using Our Websites.
  • Create or share content without first obtaining any necessary permissions from third parties or otherwise use Our Websites to post or transmit any information that you do not have the right to provide; that would violate any applicable law or regulation; or that would violate, infringe or misappropriate any third-party right or interest.
  • Reproduce, modify, adapt, translate, create derivative works of, sell, rent, lease, loan, timeshare, distribute or otherwise exploit any portion of (or any use of) Our Websites except as expressly authorized herein, without Destreza’s express prior written consent.
  • Reverse engineer, decompile or disassemble any portion of any of Our Websites, except where such restriction is expressly prohibited by applicable law.
  • Remove or alter any copyright, trademark or other proprietary rights notice on Our Websites or content you access via Our Websites.
  • Frame or mirror any portion of Our Websites, or otherwise incorporate any portion of Our Websites into any product or service, without Destreza’s express prior written consent.
  • Systematically download and store Websites’ content.
  • Use any robot, spider, Websites search/retrieval application or other manual or automatic device to (a) retrieve, index, “scrape,” “data mine” or otherwise gather content from Our Websites, (b) reproduce or circumvent the navigational structure or presentation of Our Websites, or (c) Harvest or collect information about users of Our Websites without Destreza’s express prior written consent.

If you do not comply with these Terms (or if we have reasonable grounds to suspect or are investigating suspected non-compliance), we may suspend your access to Our Websites or take any other steps we consider appropriate.

Requirements to Use Our Websites 

If you are an individual, you represent and warrant that you have reached the age of majority in the jurisdiction of your residence and, that you are in any event at least 18 years old.

If you are using Our Websites on behalf of a corporation or other organization, you represent and warrant that you have the ability to agree to these Terms on behalf of such organization and all references to “you” throughout these Terms will include such organization, jointly and severally with you personally.


1.      Features 

Certain features of Our Websites are available only to Registered Users. Current examples include access to premium content, reading lists, and any on-site commenting or collaboration activities. Additional features may be made available to Registered Users over time.

2.      How to register

To register, you will need to provide certain information about yourself and create a username and password. This combination of information (“Account”) will be your Account as a Registered User.

Registrations may be accepted, rejected or canceled by us at any time and for any reason.  If your registration is canceled, you will continue to have access to Our Websites; however, you will no longer have access to features available only to Registered Users.

3.      Responsibilities of Registered Users

If you choose to register with us and become a Registered User, you agree you are solely responsible for your Account and any and all activities that occur under your Account, including all activities of any persons who gain access to your Account with or without your permission. In becoming a Registered User, you also agree to:

  • provide true, current, accurate and complete information about yourself as requested by us from time to time and notify us promptly of any changes to your information so that your Account information is current, complete and accurate;
  • maintain the confidentiality and security of your Account, including your username and password;
  • notify us immediately of any unauthorized use of your Account, Account password, or service provided through your Account, as well as any breach of security with respect to your Account, Account password, or service provided through it; and
  • assist us, if and as we request, to stop or remedy any breach of security related to your Account.

4.      Privacy of Registered Users

Our Privacy Policy explains how we protect and use your information; the Registered User section of the Privacy Policy explains additional information we collect and additional uses of information about Registered Users.

5.      Termination 

We may, in our sole discretion, suspend, restrict or terminate your use of Our Websites (including your Account, if you are a Registered User), effective at any time, without notice to you, for any reason, including because the operation or efficiency of Our Websites or our or any third-party’s equipment or network is impaired by your use of Our Websites; we have received a third-party complaint which relates to your use or misuse of Our Websites; or you have been or are in breach of any term or condition of these Terms. We will have no responsibility to notify any third-party, including any third-party providers of services, merchandise or information, of any suspension, restriction or termination of your access to Our Websites.

Intellectual property

Our Content

Except where expressly stated otherwise, all right, title, and interest in and to Our Websites and all Content, source code, processes, designs, technologies, URLs, domain names, marks, and logos forming any part of Our Websites (collectively, “Our Content”) are:

  • Fully vested in us, our licensors, or our suppliers and;
  • Protected by applicable copyrights, trademarks, patents, trade secrets, or other proprietary rights and laws.

You agree that access and use of Our Content is subject to these Terms, including the disclaimers and limitations of liability herein. Nothing in your use of Our Websites or these Terms grants you any right, title or interest in or to Our Content except the limited right to use Our Websites as set out in these Terms.

Unless otherwise expressly authorized by us in writing, you agree not to

  • copy, modify, deep link, rent, lease, loan, sell, assign, sublicense, grant a security interest in or otherwise transfer any right or interest in Our Content;
  • remove any proprietary notices or labels on or in Our Content; or
  • allow any other person or entity to engage in any of the foregoing.

Your Content

You represent and warrant that you have all rights necessary to grant the licenses referred to in these Terms. You further represent and warrant that your Submissions are (a) complete and accurate and (b) are not fraudulent, tortious, or otherwise in violation of any applicable law or any right of any third-party. You irrevocably waive any “moral rights” or other rights with respect to attribution of authorship or integrity of materials regarding each Submission that you may have under any applicable law under any legal theory.


We do not claim ownership of your Submissions; however, you agree that by posting, uploading, inputting, providing, submitting, entering, or otherwise transmitting your Submissions to us or any third-party using Our Websites:

  1. You have thereby granted us a royalty-free, non-exclusive, worldwide, fully paid-up, perpetual, irrevocable, transferable and fully sublicensable (through multiple tiers) license, without additional consideration to you or any third-party, to reproduce, distribute, perform, and display (publicly or otherwise), create derivative works of, adapt, modify and otherwise use, analyze, exploit and practice any comment or submission, in any format or media now known or hereafter developed, and for any purpose (including promotional purposes, such as testimonials);
  2. You confirm, represent and warrant to us that you have all rights, titles, and interests, as well as the power and authority necessary, to grant the license to your Submissions set out above;
  3. You acknowledge and agree that the technical processing and transmission of Our Websites, including your Submissions, may involve transmissions over various networks and changes to conform and adapt to technical requirements of connecting networks or devices, and that your Submissions may be subject to “caching” or other technical processing or transmission policies and procedures by us or at intermediate locations on the Internet.


If you deactivate the Account to which your Submissions are connected, you acknowledge and agree that we may retain a copy or copies of same for archival or compliance purposes or to otherwise provide Our Websites to you or others, subject always to your license to us, set out above, and to our Privacy policy.

Compliance and Complaints

We do not have any obligation to censor or review any of your Submissions, to censor or review any Third-Party Content, or to monitor use of Our Websites. However, you agree that we may, without notice or liability, disclose to third parties any of your information or your Submissions; monitor use of Our Websites; and monitor, review, and retain your Submissions if we believe in good faith that such activity is reasonably necessary to provide Our Websites to customers, monitor adherence to or enforce these Terms, comply with any laws or regulations, respond to any allegation of illegal conduct or claimed violation of third-party rights, or protect us or others.

If we receive a complaint relating to your use of Our Websites, you acknowledge and agree that we may, in our sole and absolute discretion and without notice or liability, investigate the complaint, restrict, suspend or terminate any service involved, and/or remove your Submissions from our servers.

Third-Party Content

Our Websites may contain links to websites and other materials made available by third parties (collectively, “Third-party Content”). If you use such functionality, you are directing us to access, route and transmit to you the applicable Third-party Content.

Third-party Content may be protected by applicable copyrights, trademarks, patents, trade secrets or other proprietary rights and laws. Nothing in your use of Our Websites or these Terms grants you any right, title or interest in or to this Third-party Content except for the limited right to use Our Websites as set out in these Terms.

We neither control nor endorse nor are responsible for, any Third-party Content and we make no representations or warranties with respect to them. The availability of any Third-party Content through Our Websites does not imply the endorsement of, or affiliation with, any provider of such Websites or materials. Your use of any Third-party Content is at your own risk and is subject to any terms, conditions, and policies applicable to them (such as terms of service or privacy policies of the providers of the Third-party Content).

Trade and Service Marks

You may not use the “Destreza” trade names, trademarks, service marks, logos or designs, or any other mark held by Destreza, in connection with any product or service that is not of any Destreza Associates nor in any manner that is likely to cause confusion. Nothing contained on Our Websites should be construed as granting any right to use any trade names, trademarks, service marks, logos or designs without the express prior written consent of the owner.

Open Source

Our Websites may include open source components, which are licensed for use and distribution by us under applicable open source licenses.  Use of these open source components is governed by and subject to the Terms of Service of the applicable open source license.

Liability and Warranties


Destreza makes no representations or warranties about the site, which is provided “as is”.  To the maximum extent permitted by law, we exclude all implied warranties regarding the site, including without limitation, the warranties of merchantability, fitness for purpose, title, and non-infringement.

Limitation of Liability

Our Websites are provided for information purposes only and, to the maximum extent permitted by applicable law, Destreza and the Destreza Parties exclude all liability for any loss or damage of whatever kind and however arising in connection with your use of, or inability to use, Our Websites and any materials you obtain via Our Websites.

You acknowledge and accept that use of Our Websites is subject to the risks inherent in any connection and transmission on the internet, in particular in relation to security risks and vulnerabilities, technical performance, and risk of interruption. Accordingly, neither Destreza nor any Destreza Parties are liable to you in any circumstances for any losses or damages caused by disruption or failure of internet networks or for any interruptions to or restrictions on the accessibility of Our Websites arising for any reason, including, but not limited to, by reason of a virus, security-related vulnerability, or technical or operational failure of any nature.

To the maximum extent permitted by applicable law, the Destreza parties disclaim all liability and shall not be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation damages for lost profits or revenues, goodwill, work stoppage, security breaches, viruses, computer failure or malfunction, use, data or other intangible losses or commercial damages, even if any of such parties are advised of the possibility of such losses, arising under or in connection with these terms, the site, the use of or inability to use the same, or any other subject matter hereof.

The maximum extent permitted by applicable law, the Destreza parties shall not be responsible or liable to you or any other person for any errors or omissions on our websites; any information made available through them; any decision made or action taken in reliance on our websites or the information made available through them; or for any loss or damages – including consequential, special or similar damages – that arise out of or in connection with your use of our websites or any information or materials obtained by you via or in connection with our websites.


To the maximum extent permitted by applicable law, you agree to defend (at the indemnified party’s option), indemnify, and hold the Destreza Parties and their insurers harmless from and against any action, proceedings, claims, causes of action, demand, debts, losses, damages, charges and costs, including reasonable legal costs and/or any amount paid to settle any action or to satisfy a judgement and expenses of any kind and character whatsoever incurred by us relating to or arising from any content or information posted or transmitted by you using Our Websites or otherwise arising out of your use of Our Websites or use of Our Websites by any third-party who is given or gains access to Our Websites due to your action or inaction. Your indemnification obligation to the Destreza Parties includes but is not limited to any instance where one or more of your submissions (a) infringes any Third-party Content or other third-party intellectual property rights, or (b) is inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful.

The Destreza Parties have the right at any time to forego the indemnification and assume the defense of any claim. Notwithstanding the foregoing, it is not the intent of the Destreza Parties to affect the rights of the Destreza Parties or their insurers to assume the defense or settlement of any claim against any Destreza Party for which insurance coverage is sought under any applicable insurance policy.

Disclaimers and Assumptions of Risk

Our Websites and all information provided to you via Our Websites is provided “as is” and “as available.” To the maximum extent permitted by applicable law, the Destreza Parties disclaim all express, implied, and statutory warranties with respect to the same, including without limitation any implied warranties of merchantability, fitness for a particular purpose, accuracy, completeness, non-infringement, non-interference, error-free service, and uninterrupted service.  Destreza neither represents nor warrants that Our Websites, services, and content provided through Our Websites, or software or information downloaded from Our Websites will be accurate, current, uninterrupted, error-free, omission-free, or free from viruses or other harmful components.

By making available Our Websites, Destreza is not making an offer of any financial, tax, accounting, legal or other professional services or goods, and none of the information presented on our websites should be construed as legal, tax, accounting or any other professional advice or service.

Some jurisdictions prohibit the disclaimer of certain warranties or conditions or the limitation of certain types of liability. In such circumstances, to the extent that such prohibitions prohibit any exclusions and limitations in these Terms, such exclusions and limitations will not apply to you strictly to the extent necessary to make these Terms consistent with such prohibitions.


Other legal provisions


We reserve the right to amend these Terms at any time without notice to you, but we will use reasonable efforts to publish each amendment before such amendment becomes effective. The latest, fully-amended version of these Terms will be published on Our Websites. You are responsible for regularly reviewing Our Websites to obtain timely notice of such amendments. If any amendment is unacceptable to you, you may terminate the agreement between you and us regarding the use of Our Websites as set out in these Terms. If you continue to use Our Websites after the effective date of any amendment, you will be conclusively deemed to have accepted such amended version of these Terms.


Our Websites have a Privacy Policy. You acknowledge that you have read the Privacy Policy located on each of Our Websites, as it may be updated from time to time (the “Privacy Policy”).  You further acknowledge that, to the extent required under applicable law, by using each such Website you consent to the collection, use, and disclosure by us of your personal information (whether previously collected or to be collected) for the purposes identified therein.

Our Remedies

Without limiting any of our rights, we may suspend, restrict or terminate your use of Our Websites without notice if, in our sole and absolute discretion, we determine or believe that you have violated any of the Terms, including but not limited to any of your responsibilities as set out above.


Your use of Our Websites and the content and features accessed through them constitutes your agreement to these Terms; such agreement will be deemed for all legal purposes to be in writing and legally enforceable as a signed written agreement.


In these Terms, (i) the captions and headings are for convenience only and do not constitute substantive matter and are not to be construed as interpreting the contents of these Terms, (ii) the word “including”, the word “includes” and the phrase “such as”, when following a general statement or term (whether or not non-limiting language such as “without limitation” or “but not limited to” or other words of similar import are used with reference thereto), is not to be construed as limiting, and the word “or” between two or more listed matters does not imply an exclusive relationship between the matters being connected, and (iii) all references to Websites addresses or URLs will also include any successor or replacement Websites containing substantially similar information as the referenced Websites(s).

No implied waiver

If you do not comply with these Terms, and we do not take action immediately, this does not mean we or any of the Destreza Parties are giving up any rights that we/they may have (such as taking action in the future).

Limitation Period

Any cause of action you may have with respect to these Terms or Our Websites must be commenced within one year after the claim or cause of action arose, or it will be barred.


Any notice, consent, waiver, approval, authorization or other communication to be delivered in connection with these Terms:

  • by us to you will be deemed to have been effectively and validly given if delivered or sent to any of the contact particulars then listed in your Account;
  • by you to us will be deemed to have been effectively and validly given only if in writing and delivered or submitted through our Contact Form available here


We may at any time assign our rights and obligations under these Terms, in whole or in part, without notice to you. You may not assign these Terms without our prior, written consent. These Terms will inure to the benefit of and bind you and us and our respective personal and legal representatives, successors and permitted assigns.


You agree that no joint venture, partnership, fiduciary, employment or agency relationship exists between us and you as a result of these Terms or use of Our Websites.

Force Majeure

Neither party will be responsible for a failure to fulfil its obligations under these Terms or for delay in doing so if such failure or delay is due to circumstances beyond its reasonable control, such as acts of nature, acts of government, war, riots, strikes and accidents in transportation, but excluding a lack of financing, cash or credit.

Entire Agreement

These Terms, as amended from time to time, including any and all documents, Websites, rules, Terms and policies referenced herein, including but not limited to the Privacy Policy, constitutes the entire agreement between us and you with respect to your use of Our Websites.


We may modify/update the Terms of Service at any time by publishing an updated version here. If you continue to use Our Websites after any such changes, that will indicate your acceptance of those changes.