Terms of service.

1. Agreement to Terms

By accessing or using the website and services of SparkData Analytics, LLC ("SDA," "we," "us," or "our"), you agree to these Terms of Service. They cover our public website and client portal. If you do not agree to these terms, do not use those services. Our Privacy Policy explains how we handle personal information.

2. Description of Services

SparkData Analytics provides consulting, research, analytics, decision support, workflow, software, and systems services. The scope, deliverables, responsibilities, and decision boundaries for a paid engagement are defined in the applicable written engagement agreement, including approved changes. That agreement controls if these Terms conflict with it on an engagement-specific matter. An inquiry, portal account, or document upload does not by itself establish a new engagement or change the agreed scope or fee.

3. Important Disclaimers

Our work may include practical recommendations and implementation within the agreed scope. It supports your decisions and does not replace a licensed professional’s services where those are required. Specifically:

• SDA does not provide medical advice, diagnosis, treatment, or clinical care. Consult qualified healthcare professionals for medical decisions.
• SDA does not provide legal advice, representation, or legal opinions. Consult a licensed attorney for legal matters.
• Research, cost comparisons, and financial models are not investment advice, investment management, or a substitute for qualified financial or tax advice.
• You remain responsible for consequential decisions, including obtaining appropriate professional advice and verifying requirements with the organization responsible for them. Illustrative calculations and estimates are not guarantees of final cost, eligibility, or outcome.

4. Limitation of Liability

To the fullest extent permitted by applicable law, SDA and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from: (a) your use of or inability to use our services; (b) any action taken in reliance on information provided through our services; or (c) any unauthorized access to or use of our servers and/or any personal information stored therein. Our total liability for any claim arising from or related to our services shall not exceed the amount you paid us for the specific engagement giving rise to the claim.

5. Intellectual Property

Website content, graphics, logos, and software may be protected by applicable intellectual property laws. SDA and its licensors retain the rights each holds in those materials. Rights in client reports, deliverables, source materials, and engagement-specific work are governed by the applicable engagement agreement. Nothing in these Terms transfers a right except where that transfer is stated expressly.

Submitting material does not transfer its ownership to SDA. You authorize us to use and process it for the agreed services, subject to our Privacy Policy, your engagement terms, and the permissions you hold. Submission does not grant a separate right to publish your confidential records or use them for unrelated work.

6. User Responsibilities

When using our services, you agree to:

• Provide information accurately to the best of your knowledge. Label estimates, missing records, and anything you are unsure of, and tell us when a material fact changes. If you cannot obtain a requested document, you may provide a written note for the analysis. Estimates do not replace documents an insurer, agency, or other organization requires for its own decisions.
• Share only material you are authorized to provide for the agreed work.
• Use our services and deliverables only for lawful purposes.
• Not misrepresent our research or analyses as professional medical, legal, or financial advice.
• Not attempt to bypass access controls or reverse-engineer restricted software except where applicable law permits it.

Client portal and document uploads

Portal access is limited to authorized people and the access period SDA grants. Keep your sign-in email, devices, setup codes, and passkeys secure. Tell us promptly if you suspect unauthorized access. Do not share portal credentials or try to access records you are not authorized to view.

Follow the file requirements shown in the portal. A “Received” receipt confirms that a file was transferred and recorded; it does not mean we have reviewed its contents, verified its accuracy, or accepted additional work. Keep your original files and your own copies of delivered material.

7. Confidentiality

We treat client data and case information as confidential. We disclose information to service providers only as described in our Privacy Policy and the applicable engagement agreement, or as required by law. Use your secure SparkData portal for requested documents and sensitive information. Privacy commitments made when information was collected remain applicable; this update does not expand permission to use existing records.

8. Fees and Ending an Engagement

Fees, payment terms, and termination follow the applicable engagement agreement and approved changes. Unless that agreement provides otherwise, either party may end an engagement by written notice, and fees remain payable for services already provided. A cost shown in an analysis is not authorization to purchase or pay.

Ending portal access does not by itself terminate an engagement or immediately delete its records. Return, retention, and deletion requests follow our Privacy Policy and applicable engagement terms, including earlier commitments for previously collected records.

9. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law provisions. Any disputes arising under these terms shall be resolved in the courts located in the State of Arizona.

10. Changes to These Terms

We may update these Terms and will identify the effective date on this page. Updates do not replace an existing engagement agreement or change its agreed fees, deliverables, ownership rights, or privacy commitments. We will provide notice and obtain agreement to material changes where required; continued website use alone is not permission for a new use of previously collected data.

11. Contact Us

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