1. Acceptance of Terms

These Terms of Use ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and AAYT LLC, a Delaware limited liability company ("Company," "we," "our," or "us"), governing your access to and use of our website located at www.aayt.com (the "Site") and any content, features, or functionality made available through the Site.

By accessing or using the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated by reference. If you do not agree to these Terms, you must immediately cease all use of the Site.

2. Eligibility

You must be at least 18 years of age to use the Site. By accessing the Site, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms. If you are accessing the Site on behalf of a business entity, you represent that you have authority to bind that entity to these Terms.

3. Changes to These Terms

We reserve the right to modify these Terms at any time. When we make material changes, we will update the "Last Updated" date above and provide reasonable notice, which may include posting a prominent notice on the Site or sending an email to newsletter subscribers. Your continued use of the Site after the effective date of any updated Terms constitutes acceptance of the revised Terms.

We also reserve the right to modify, suspend, or discontinue the Site or any part of it at any time for any reason, without prior notice or liability to you.

4. Intellectual Property

All content on the Site, including text, articles, guides, downloadable resources, AML tools, calculators, graphics, logos, icons, images, audio clips, data compilations, and software, is owned by or licensed to the Company and protected by U.S. and international intellectual property laws ("Company Content"). All rights not expressly granted are reserved.

Subject to your compliance with these Terms, the Company grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Site and download or print a single copy of Company Content solely for your personal, non-commercial informational use.

You may not reproduce, distribute, publicly display, create derivative works from, commercially use, scrape, data-mine, frame, mirror, or remove proprietary notices from Company Content without prior written consent.

5. Prohibited Uses

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

• Use the Site in any manner that violates applicable federal, state, local, or international laws or regulations.
• Transmit or facilitate unsolicited commercial email.
• Impersonate the Company, its employees, or any other person or entity.
• Restrict or inhibit anyone's use or enjoyment of the Site, or harm the Company or its users.
• Attempt to gain unauthorized access to any portion of the Site, servers, or connected systems.
• Introduce viruses, Trojan horses, worms, or other malicious or harmful code.
• Collect or harvest personal information about other users.
• Use the Site as a direct competitor for monitoring, benchmarking, copying services, copying content, or competitive intelligence.

6. User Submissions and Content

By submitting a contact form or subscribing to our newsletter, you represent that all information you provide is accurate, current, and complete; consent to receive communications from us in response to your inquiry or subscription; agree that submission does not create an attorney-client, advisory, or other professional relationship; and acknowledge that newsletter subscribers may opt out at any time.

If the Site permits you to submit content, you represent that you own or have all necessary rights to submit it and that it does not violate third-party rights or applicable law. You grant the Company a non-exclusive, worldwide, royalty-free, perpetual, irrevocable, sublicensable license to use, reproduce, modify, adapt, publish, translate, distribute, and display that content in connection with operating and promoting the Site.

If you submit feedback, suggestions, ideas, improvements, or other input regarding the Site or Services, you assign to the Company all right, title, and interest in that feedback. The Company may use feedback for any purpose without restriction, compensation, attribution, or obligation to you.

7. No Professional Advice

The content on this Site, including articles, guides, downloadable resources, AML tools, calculators, and other materials, is provided for general informational purposes only. It does not constitute and should not be relied upon as legal advice, financial advice, compliance advice, AML/BSA advisory services, or any other form of professional advice.

No content on this Site creates or is intended to create an advisory, consulting, attorney-client, or other professional relationship between you and the Company. You should not act or refrain from acting on the basis of Site content without seeking independent professional advice qualified in the applicable area and jurisdiction.

AML tools and calculators provided on the Site are for illustrative and educational purposes only. Outputs do not constitute compliance determinations, risk assessments, or regulatory guidance, and should not be used as the basis for any compliance decision, filing, or regulatory submission.

8. Disclaimer of Warranties

The Site and all content, features, and functionality are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

The Company does not warrant that the Site will be uninterrupted, error-free, free of harmful components, accurate, complete, reliable, current, suitable for any purpose, or that defects will be corrected.

9. Limitation of Liability

To the fullest extent permitted by applicable law, the Company, its members, managers, employees, agents, licensors, and service providers shall not be liable for indirect, incidental, special, consequential, punitive, or exemplary damages arising out of or related to your use of or inability to use the Site or its content.

In no event shall the Company's total aggregate liability to you for all claims arising out of or relating to these Terms or your use of the Site exceed the greater of the total amounts paid by you to the Company in the twelve months preceding the claim, or one hundred United States dollars ($100.00).

10. Indemnification

You agree to defend, indemnify, and hold harmless the Company and its members, managers, officers, employees, agents, successors, and licensors from and against claims, demands, actions, damages, losses, liabilities, judgments, fines, penalties, costs, and expenses, including reasonable attorneys' fees, arising out of or related to your access to or use of the Site, violation of these Terms, violation of law, misrepresentation, use or misuse of AML tools or calculators, regulatory proceedings connected to reliance on Site content or tools, or User Content and Feedback you submit.

This indemnification obligation is independent of, and in addition to, any other remedy available to the Company at law or in equity. It survives termination or expiration of these Terms indefinitely.

11. Third-Party Links

The Site may contain links to third-party websites or resources. Such links are provided for convenience only and do not constitute endorsement, sponsorship, or recommendation by the Company. The Company has no control over third-party sites and accepts no responsibility for their content, privacy practices, or availability.

12. DMCA and Copyright Infringement

If you believe content on the Site infringes your copyright, please provide our designated agent with a physical or electronic signature, identification of the copyrighted work, identification and location of the allegedly infringing material, your contact information, a good-faith statement that the use is not authorized, and a statement under penalty of perjury that the information is accurate and that you are the copyright owner or authorized to act on the owner's behalf.

13. Dispute Resolution and Arbitration

Before initiating formal dispute proceedings, you agree to first contact us at legal@aayt.com and provide a written description of the dispute, the relief sought, and your contact information. The parties will attempt to resolve the dispute informally for thirty days from receipt of notice.

If the parties are unable to resolve the dispute informally, disputes arising out of or relating to these Terms or your use of the Site shall be resolved exclusively by final and binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. Arbitration shall be conducted before a single arbitrator by videoconference, telephone, or other remote means. The arbitrator shall apply Delaware law.

You and the Company each agree that dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

14. Governing Law and Venue

These Terms and any disputes arising hereunder shall be governed by the laws of the State of Delaware, without regard to conflict of law principles. To the extent any dispute is not subject to arbitration, the parties consent to the exclusive jurisdiction and venue of the state and federal courts located in Delaware.

15. International Users

The Site is operated from the United States. If you access the Site from outside the United States, you do so at your own initiative and are responsible for compliance with applicable local laws and regulations. Access from jurisdictions where such access is illegal is prohibited.

16. Force Majeure

The Company shall not be liable for failure or delay in performance caused by events beyond its reasonable control, including natural disasters, public health emergencies, war, terrorism, civil unrest, government action, cyberattacks, internet or telecommunications failures, power outages, or failure of third-party service providers.

17. No Waiver of Regulatory Obligations

Nothing in these Terms limits, modifies, or supersedes the Company's obligations under applicable federal or state AML, BSA, sanctions, or other financial regulatory laws and regulations. The Company reserves all rights to take any action required by law or regulation, including filing Suspicious Activity Reports or Currency Transaction Reports, without notice to you and without liability under these Terms.

18. Electronic Communications Consent

By using the Site, including submitting a contact form, subscribing to the newsletter, or submitting User Content, you consent to receive communications from the Company in electronic form. You agree that electronic communications satisfy any legal requirement that such communications be in writing to the fullest extent permitted by applicable law.

19. No Agency; No Partnership

Nothing in these Terms shall be construed to create a partnership, joint venture, agency, employment, or fiduciary relationship between you and the Company. You have no authority to bind the Company in any respect.

20. Export Controls and Sanctions Compliance

The Site is subject to U.S. export control laws and regulations. By accessing the Site, you represent that you are not located in, organized under the laws of, or ordinarily resident in a country or territory subject to comprehensive U.S. sanctions; are not identified on a U.S. government restricted party list; and will use the Site in compliance with applicable U.S. export control and sanctions laws.

21. Future Paid Services

The Company may in the future offer paid services or subscriptions through the Site. Such offerings will be subject to additional terms presented at the time of purchase, which will supplement and, where inconsistent, supersede these Terms for those specific features.

22. Severability

If any provision of these Terms is held invalid, illegal, or unenforceable, it shall be modified to the minimum extent necessary to make it enforceable or severed if modification is not possible, without affecting the remaining provisions.

23. Entire Agreement

These Terms, together with our Privacy Policy and any additional terms applicable to specific Site features, constitute the entire agreement between you and the Company with respect to your use of the Site.

24. Waiver

No failure or delay by the Company in exercising any right, power, or privilege under these Terms shall constitute a waiver of that right.

25. Contact Information

If you have any questions about these Terms, please contact us at: