Terms of Use & Legal Disclosures

These Terms of Use, together with the Privacy Policy incorporated herein by reference (collectively, the "Terms"), constitute a binding legal agreement between you ("you," "your," or "User") and Treyni LLC, a limited liability company organized under the laws of the State of New York ("Treyni," "we," "us," or "our"), which operates the website located at rajbhatia.com and any associated pages, content, newsletters, and features (collectively, the "Site"). Raj Bhatia is an individual whose writing and professional background are described on the Site; references to "Raj Bhatia" are to the author personally, and all disclaimers and limitations herein run for the benefit of Treyni, Raj Bhatia, and their respective members, managers, officers, agents, and affiliates (collectively, the "Protected Parties").

1. Acceptance of these Terms

By accessing, browsing, subscribing to, or otherwise using the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and by all applicable laws and regulations. If you do not agree to these Terms in their entirety, you must not access or use the Site. Your continued use of the Site following the posting of any changes constitutes acceptance of those changes.

2. Informational use only; no advice

All content on the Site is provided for general informational and educational purposes only. It reflects the personal opinions and observations of the author as of the date of publication, is provided on a non-reliance basis, and does not constitute, and must not be construed as, professional, legal, financial, investment, accounting, tax, regulatory, or business advice of any kind. Nothing on the Site is an offer, solicitation, or recommendation to buy, sell, or hold any security or to pursue any investment, strategy, or course of conduct.

3. No advisory or fiduciary relationship

Your use of the Site, your subscription to any newsletter, and any correspondence you initiate do not create a consulting, advisory, agency, employment, partnership, joint venture, or fiduciary relationship between you and any Protected Party. Any engagement of Treyni or Raj Bhatia for advisory, consulting, or other professional services is governed exclusively by a separate written agreement executed by the parties, and nothing on the Site modifies, supplements, or supersedes the terms of any such agreement.

4. Descriptions of prior work

Engagements described reflect work conducted as an external consultant (where labeled) or during prior in-house employment. Client and employer details are anonymized or generalized to protect confidentiality. Past results do not guarantee future outcomes.

Descriptions of prior roles, engagements, results, and outcomes are provided for illustrative purposes, reflect particular facts and circumstances, and are not a guarantee, projection, or assurance of any future result. Past performance is not indicative of future results. Where third parties, employers, or clients are named, such references are factual and do not imply any endorsement, sponsorship, or affiliation, and all trademarks and names are the property of their respective owners.

5. Use of artificial intelligence

Artificial intelligence ("AI") tools are used only to a very limited extent in connection with the Site. Portions of the Site's content, formatting, or supporting materials may be drafted, edited, or generated with the assistance of AI tools, subject to human review by the author. Because AI-assisted output may contain errors, omissions, or inaccuracies, all content is provided without any representation or warranty as to accuracy, completeness, currency, or fitness, and you agree not to rely on any AI-assisted content. No AI-assisted content constitutes professional, legal, financial, or investment advice.

You may not, and may not permit any third party to, use any automated means (including bots, scrapers, crawlers, or data-harvesting tools) to access, extract, copy, or index the Site or its content, and you may not use the Site or any of its content, in whole or in part, to develop, train, fine-tune, evaluate, or improve any machine-learning model, large language model, or other AI system, in each case without our prior express written consent. All rights not expressly granted are reserved.

6. Subscriptions and email communications

If you submit your email address to subscribe to On Building, you represent that the address is yours or that you are authorized to use it, and you consent to receive periodic email communications from us. There is no fixed cadence and no fee. Every email includes a one-click unsubscribe mechanism, and you may withdraw your consent at any time via the link in any email or the unsubscribe page. We will honor opt-out requests promptly and in accordance with the U.S. CAN-SPAM Act, the EU GDPR, the UK GDPR, Canada's Anti-Spam Legislation (CASL), and other applicable communications and data-protection law. The handling of subscriber information is described in the Privacy Policy.

7. Intellectual property

Unless otherwise noted, all writing, text, design, graphics, and other content on the Site (the "Content") are owned by or licensed to the Protected Parties and are protected by United States and international copyright, trademark, and other intellectual-property laws. You are granted a limited, revocable, non-exclusive, non-transferable license to access and view the Content for your personal, non-commercial use. You may quote short excerpts with clear attribution and a link to the source, but you may not otherwise reproduce, republish, distribute, modify, create derivative works from, publicly display, or commercially exploit the Content without our prior written consent.

8. Disclaimer of warranties

THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY LAW, THE PROTECTED PARTIES DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. THE PROTECTED PARTIES DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS, OR THAT ANY CONTENT IS ACCURATE, COMPLETE, OR CURRENT.

9. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL ANY PROTECTED PARTY BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR ACCESS TO OR USE OF, OR INABILITY TO USE, THE SITE OR ANY CONTENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT ANY PROTECTED PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN ALL CASES, THE AGGREGATE LIABILITY OF THE PROTECTED PARTIES ARISING OUT OF OR RELATING TO THE SITE OR THESE TERMS SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US$100). SOME JURISDICTIONS DO NOT ALLOW CERTAIN OF THESE EXCLUSIONS OR LIMITATIONS, SO THEY MAY NOT APPLY TO YOU TO THAT EXTENT.

10. Indemnification

You agree to defend, indemnify, and hold harmless the Protected Parties from and against any and all claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with your access to or use of the Site, your violation of these Terms, or your violation of any rights of a third party.

11. Third-party links

The Site may contain links to third-party websites or resources. Such links are provided solely for convenience. The Protected Parties do not control and are not responsible for the content, accuracy, policies, or practices of any third-party site, and the inclusion of any link does not imply endorsement.

12. Governing law

These Terms and any dispute arising out of or relating to them or the Site are governed by and construed in accordance with the laws of the State of New York, without regard to its conflict-of-laws principles. Subject to Section 13, the state and federal courts located in New York County, New York shall have exclusive jurisdiction and venue, and you consent to personal jurisdiction in those courts.

13. Binding arbitration and class-action waiver

PLEASE READ THIS SECTION CAREFULLY; IT AFFECTS YOUR LEGAL RIGHTS. Except for claims for injunctive relief to protect intellectual-property rights, any dispute, claim, or controversy arising out of or relating to these Terms or the Site shall be resolved exclusively by final and binding individual arbitration administered by JAMS under its Streamlined Arbitration Rules and Procedures then in effect. The arbitration shall be seated in New York County, New York, conducted in English, and the Federal Arbitration Act governs the interpretation and enforcement of this Section. YOU AND TREYNI AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING, AND EACH WAIVES ANY RIGHT TO A TRIAL BY JURY. If the class-action waiver is found unenforceable as to a particular claim, that claim shall be severed and may proceed in court, while all other claims remain in arbitration.

14. Severability; waiver; entire agreement

If any provision of these Terms is held invalid or unenforceable, that provision shall be enforced to the maximum extent permissible and the remaining provisions shall remain in full force and effect. No failure to enforce any provision is a waiver of that or any other provision. These Terms, together with the Privacy Policy, constitute the entire agreement between you and Treyni concerning the Site and supersede all prior understandings on that subject.

15. Changes to these Terms

We may revise these Terms from time to time. Revisions are effective when posted, as indicated by the "Last updated" date above. Your continued use of the Site after any revision constitutes your acceptance of the revised Terms.

16. Contact

Questions about these Terms may be directed to Treyni LLC at raj@rajbhatia.com.