IBS intelligence is a trading name of Cedar Management Consulting International LLC for its publishing business. The term “IBS intelligence”, and “ibsintelligence.com” or “us” or “we” refers to the owner of the website Cedar Management Consulting International, LLC. whose registered office is, Lenta Suite 109, 180/186,Kings Cross Road, London WC1X9DE. A company registered in England & Wales, no. FC032493. The VAT number is (applied for). The term “you” refers to the user or viewer of our website.
ibsintelligence.com is a Website owned and operated by Cedar Management Consulting International, LLC a private limited company, incorporated in the United States with a branch office in the United Kingdom.
- Use of this website
- Governing law
- Privacy and Data protection
- Cookies Policy (in accordance with EU Privacy and Electronic Communications Directive)
- Access to www.ibsintelligence.com
- Copyright and Intellectual property rights
- Permission for use of our intellectual property
- Your conduct
- Third Parties
- Commenting Rules
- Sale, Supply & Payment
- IBS Online Publications
- Print Publications
- Contact Us
Use of this Website
Please read the following Website Terms and Conditions before accessing or using this Website. By using this Website, you are agreeing to these Terms and Conditions. If you do not accept these Terms and Conditions, please exit our Website immediately. If you purchase a subscription to ibsintelligence.com online, or purchase one of our publications or register for an event, you will also be governed by the Terms and conditions relating to sales through this Website.
From time to time we may change these Terms and Conditions, and will post revisions on our Website. We recommend that you read these terms and conditions regularly. These Terms and Conditions replace all other Terms and Conditions previously applicable to our Website. You may not assign or transfer your rights under this Agreement. Failure by us to enforce a right does not result in a waiver of such right.
Any formal legal notices should be sent to us addressed to Chairman, Cedar Management Consulting International, LLC, Lenta Suite 109, 180/186,Kings Cross Road, London WC1X9DE .
We reserve the right to bar users from this Website, on a permanent or temporary basis at our discretion. Any such user shall be notified and must not then attempt to use this Website under any other name or through any other user.
These terms and conditions shall be governed and construed in accordance with the laws of England and Wales, whose courts shall have exclusive jurisdiction. If any provision of these Terms and Conditions is invalid or unenforceable, such will not render all the Terms and Conditions unenforceable or invalid but rather the Terms and Conditions will be read and construed as if the invalid or unenforceable provision(s) are not contained therein. Any cause of action of yours with respect to these Terms and Conditions must be filed in a court of competent jurisdiction in London, England, within one year after the cause of action has risen, or such cause will be barred, invalid and void.
Save as expressly referred to herein, any representation, warranty, term or condition not expressly set out in these Terms and Conditions shall not apply.
Privacy and Data Privacy and Data protection
We have the right (but not the obligation) to monitor use of our Website in order to verify compliance with these Terms and Conditions and/or any operating rules established by us and/or to satisfy any law, regulation or authorized government request.
Cookies are small text files that are placed on your computer by websites that you visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site.
Most web browsers allow some control of most cookies through the browser settings. Users have the opportunity to set their devices to accept all cookies, to notify them when a cookie is issued, or not to receive cookies at any time from their browser. The last of these means that certain personalised features cannot then be provided to that user and accordingly they may not be able to take full advantage of all of our website’s features. Each browser is different, so check the “Help” menu of your browser to learn how to change your cookie preferences.
To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit www.allaboutcookies.org.
To opt out of being tracked by Google Analytics across all websites visit http://tools.google.com/dlpage/gaoptout.
Access to www.ibsintelligence.com
We try to ensure but can not guarantee or accept liability for continuous availability of the Website or that it will be without interruptions or that transmissions will be error-free. However, we cannot, due to the nature of the internet, guarantee that your access will not be suspended or restricted from time to time due to maintenance, or the introduction of new facilities or services.
We of course try to limit the frequency and duration of any suspension or restriction. Certain parts of this Website can be accessed for free and such access is at our discretion and may be changed without notice.
Copyright and Intellectual property rights
This website and its content is copyright of Cedar Management Consulting International LLC 2009. All rights reserved. This website contains material which is owned by or licensed to us. The content, layout, design, data and graphics on this Website are protected by UK and other international copyright laws, database rights and other intellectual property rights. Other than downloading a small proportion of content, strictly for your personal non-commercial use, or where this amounts to “fair dealing” no part of the Website may be reproduced, stored in a retrieval system or transmitted, in any form or by any means (electronic, mechanical, photocopying, recording and/or otherwise) without our prior written consent. Any authorised uses of content, must include the customary bibliographic citation, including author attribution, date, article, article title and the URL http://www.ibsintelligence.com and must include the copyright notices. All trade marks reproduced in this website which are not the property of, or licensed to, the operator are acknowledged on the website. The Buyer shall not at any time without the prior written consent of Cedar Management Consulting International, LLC. use our name, trade marks, logos, trade name or other branding.
Permission for use of our intellectual property
Any use of IBS intelligence and/or ibsintelligence.com content not specifically permitted above is expressly prohibited. Any request for permission for use of our content or images, or other use of our intellectual property, should be made in writing, and may be subject to a fee.
Be aware that non-compliance with this rule will result in your access to this Website being blocked until you contact us and resolve the problem.
We will try to ensure that information contained on this Website is accurate but please note that all information is provided on an “as is” basis without warranty of any kind, express or implied. Differences may occur also between the print and online text of articles.
We rely on our authors of articles to confirm the accuracy of the information presented, and to describe generally accepted practices, and therefore we as the publisher, and our editors, cannot warrant its accuracy. Readers should be aware that professionals in the field may have different opinions. Because of this fact and also because of regular advances in research, we strongly recommend that readers independently verify any information they chose to rely on. Ultimately it is the readers’ responsibility to make their own professional judgments.
Description or reference to a product or publication does not imply endorsement of that product or publication, unless it is owned by Cedar Management Consulting International, LLC
To the fullest extent permitted by law, IBS intelligence and its editors, and Cedar Management Consulting International, LLC are not responsible for any losses, injury or damage caused to any person or property (including under contract, by negligence, products liability or otherwise) whether they be direct or indirect, special, incidental or consequential, resulting from the application of the information on this Website.
No tax, legal or investment advice of any kind (including advice and opinions with respect to the nature, potential value or suitability of any particular securities transactions, financial products or investment strategy) is being provided by IBS intelligence, ibsintelligence.com or Cedar Management Consulting International, LLC to the user. Any investment decisions made by the user will be based solely on their own evaluation of their financial circumstances and investment objectives and not on the basis of any information given in this Website.
We have used our reasonable endeavours to ensure that our Website complies with English laws. However, we make no representations that our Website is appropriate or available for use in locations outside England. Those who visit our Website from other locations do so on their own initiative and are responsible for compliance with all applicable laws. You accept that if you are resident outside England, you must satisfy yourself that you are lawfully able to use our Website and, to the extent permitted by applicable law, IBS intelligence and Cedar Management Consulting International, LLC accepts no liability for any costs, losses or damages in this regard.
You must not use the Website in any way that causes or is likely to cause the Website or access to it to be interrupted, damaged or impaired in any way. You understand that you are solely responsible for all electronic communications and contents sent from your computer to us and for ensuring that your computer systems meet all relevant technical specifications necessary to use our Website. You also understand that although we try to guard against viruses, we cannot and do not guarantee or warrant that any material available for downloading from our Website will be free from infections, viruses and/or other code that has contaminating or destructive properties. You are responsible for implementing sufficient procedures and virus checks (including anti-virus and other security checks) to satisfy your particular requirements for the accuracy of data input and output.
You must use the Website for lawful purposes only. You must not use the Website for fraudulent purposes in connection with a criminal offence or otherwise unlawful activity; to send, use or re-use any material that is illegal, offensive, abusive, indecent, defamatory, obscene or menacing; or in breach of copyright, trademark, confidence, privacy or any other right; or is otherwise injurious to third parties; or objectionable; or which consists of or contains software viruses, political campaigning, commercial solicitation, chain letters, mass mailings or any spam; to cause annoyance, inconvenience or needless anxiety. You are forbidden to perform any kind of network monitoring, including probing the security of networks or attempting to intercept data not intended for you.
Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence.
The limitation and exclusions in these Terms and Conditions does not affect your non-executable statutory rights and only apply to the extent permitted by applicable law.
We may provide hyperlinks to goods and services on third party websites and you may use the Website to purchase products or services from third party partners. In that event, your contract for such products will be with the third party partner and not with Cedar Management Consulting International, LLC. Each third party is responsible for setting and explaining their individual Terms and Conditions of shipping, return, security, data protection and other policies and terms applicable to their sale of goods and/or services. We do not endorse, guarantee or warrant any product or service sold by a third party, nor do we have any liability or responsibility for the fitness for purpose or quality or delivery of any product or service sold to you by third parties or otherwise. The purchase or receipt by you of any product or service from a third party is a transaction solely between you and that third party.
You will see advertising material submitted by third parties on this Website. Individual advertisers are solely responsible for the content of advertising material which they submit to us, including ensuring that it complies with relevant legislation. We accept no responsibility for the content of advertising material, including, without limitation, any error, omission or inaccuracy therein. If you would like to advertise on this Website, please email firstname.lastname@example.org
IBS Intelligence have established the following rules so that everyone can get the most out of commenting on our website.
Comments will be rejected/removed by the moderators if they:
- Are considered likely to disrupt, provoke, attack or offend others
- Are racist, sexist, homophobic, sexually explicit, abusive or otherwise objectionable
- Contain swear words or other language likely to offend
- Break the law or condone or encourage unlawful activity. This includes breach of copyright, defamation and contempt of court.
- Advertise products or services for profit or gain
- Are seen to impersonate someone else
- Include contact details such as phone numbers, postal or email addresses
- Are written in anything other than English
- Contain links to other websites which contravene any of the rules herein
- Describe or encourage activities which could endanger the safety or well-being of others
- Are considered to be “spam”, that is posts containing the same, or similar, content posted multiple times
- Are considered to be off-topic for the article or discussion.
IBS intelligence welcomes your comments, both positive and negative, about our products and services but please make sure your comments are in line with the above commenting rules. The decision of an IBS intelligence moderator to remove or reject a comment is final.
This Website contains links including hyperlinks which may take you outside www.ibsintelligence.com. Links are provided for your convenience, and an inclusion of any link does not imply endorsement or approval by us of the linked website, its operator or content. We are not responsible or liable for any loss or damage caused or alleged to be caused by or in connection with use of or reliance on any content, goods or services available through any website outside the IBS Intelligence Website. Any concerns regarding any external link should be directed to its website administrator or web master.
You may not create a link to this website from another website or document without Cedar Management Consulting International, LLC prior written consent.
Sale, Supply & Payment
An order is only confirmed once an email has been sent from IBS intelligence confirming the order. A binding contract will come into existence upon acceptance by us of your order. We aim to process each order within 14 working days although time shall not be of the essence in respect of processing orders.
The Seller shall sell and the Buyer shall purchase the Goods in accordance with any quotation or offer of the Seller which is accepted by the Buyer, or any order of the Buyer which is accepted by the Seller, subject in either case to these Conditions, which shall govern the Contract to the exclusion of any other terms and conditions subject to which any such quotation is accepted or purported to be accepted, or any such order is made or purported to be made, by the Buyer.
We may occasionally offer customers a discount code as part of a marketing campaign. Only one discount code may be used against each order. All discounts are subject to approval. We reserve the right to withdraw discount offers without notice.
Access to certain IBS intelligence and ibsintelligence.com content is subject to a fee. All payments (including applicable taxes) must be made in advance or on receipt on invoice, in pounds sterling or other currency as specified and agreed upon by IBS Intelligence, a division of Cedar Management Consulting International, LLC. If payments are not made in a timely manner, Cedar Management Consulting International, LLC may terminate this agreement immediately.
Payment should be made to IBS intelligence or Cedar Management Consulting International, LLC
All customers within the UK will be charged VAT, at the current rate, where appropriate. Customers within the European Union will also be charged VAT where appropriate, unless their company VAT number is provided. All customers outside of the European Union are exempt from VAT.
If the Buyer fails to make any payment on the due date then, without prejudice to any other right or remedy available to the Seller, the Seller shall be entitled to cancel the order or suspend any further deliveries to the Buyer.
IBS Intelligence reserves the right to change prices without notice.
Refunds can only be made via the means used for the original purchase. All refunds are at the discretion of Cedar Management Consulting International, LLC and ibsintelligence.com.
IBS Online Publications
Whether you, the Subscriber, have purchased a subscription to an e-book, an online subscription or are a registered user to another part of this Website, the details which are registered with us, allow you and only you to use this Website for as long as we allow access, or in the case of a subscription or trial for the period of the contract. Individual accounts therefore may not be shared.
A corporate subscription may be shared with other users within the same company but this is subject to a fair usage policy. Where we have reason to believe this is being abused we reserve the right to limit access to the online publication or e-book.
E-books may be accessed on several different devices within an individual subscription but this is also subject to a fair usage policy. Where we have reason to believe this is being abused we reserve the right to limit the number of devices with access to the e-book.
When you complete your subscription registration as a subscriber or trial user of the Website we hereby grant you a sole, non-transferable, non-exclusive license to access the premium content and services provided for by this Website as per your subscription or trial period. Access is via your username and password. You are responsible for the payment of all charges associated with the use of the Website using your username and password.
IBS intelligence and Cedar Management Consulting International, LLC will not make any reimbursements for cancellations made part way through a subscription period.
Cedar Management Consulting International, LLC and ibsintelligence.com reserve the right to change the online content at their own discretion and without notification.
We will allow subscribers access on the basis that:
- Your username and password are personal to you and may not be used by anyone else. You undertake to us that you will keep your password secret and will inform us in the event that you become aware that it is no longer confidential, is being used by an unauthorised person or in breach of this Agreement.
- You will not do anything which would assist anyone who is not a registered user to gain access to any part of the Website. If for any reason, we believe that you have not complied with any of these Terms and Conditions, we may, at our discretion, cancel your access to the Website immediately without giving you any advance notice and terminate the Agreement.
Cedar Management Consulting International, LLC shall have no liability for any interruption or delay in access to the Site irrespective of the cause.
Each Subscriber is responsible for all charges incurred and all statements which are made while such Subscriber’s Password or Username is being used.
If your use of the Website is terminated by Cedar Management Consulting International, LLC and ibsintelligence.com, you will be entitled to receive a refund of any credits or pre-payments which remain unused at the time of termination unless such use is terminated because you are in breach of these Terms and Conditions. You will continue to be responsible for any fees or other charges incurred by you prior to such termination.
It may be necessary for IBS intelligence and Cedar Management Consulting International, LLC to change the content and/or date of publication at anytime.
Delivery shall take place when the goods you have ordered including Publications are delivered to your delivery address as given by you in the relevant order. Subject to any delay outside the control of Cedar Management Consulting International, LLC, we will make all reasonable efforts to deliver the goods including Publications to the address stated.
Delivery is subject to stock and availability. We aim to deliver within 28 (twenty-eight) days from the receipt of your order unless the order is made prior to publication. However, this delivery time is an estimate, and delivery within the time quoted cannot be guaranteed. If the goods are not delivered within the time we have estimated, please feel free to contact us by telephone or email email@example.com or by post to the postal address provided below and we will try to resolve the issue promptly. We will not be liable for any loss caused to you by late delivery.
Our prices include postage and packing costs within the UK, it does not include special delivery services. An additional charge for postage and packing applies to all overseas orders as notified to you at the time of the order. When special delivery services, such as courier services, are requested, additional charges to cover these costs will apply. Please contact us for details and costs by telephone or email firstname.lastname@example.org.
On acceptance of goods you shall be responsible for inspecting the goods including Publications promptly on delivery and notifying us in writing forthwith after delivery if any goods including Publications have been delivered damaged or have items missing. You shall be deemed to have accepted the goods including Publications once: a) the goods including Publications are being used by you or b) 28 (twenty-eight) days from confirmation of order, whichever is earlier. If you fail to notify us within the specified timescales, we reserve the right without liability to reject any subsequent claims made after the required date.
Risk in the goods including Publications shall pass to you once the goods including Publications have left our premises and/or our suppliers’ premises. All goods including Publications sold are subject to these terms and conditions and remain vested in us until the Goods are paid for in full by you and until such time the Goods may not be charged or, encumbered in any way.
IBS intelligence is the trading name of the publishing business of Cedar Management Consulting International, LLC. The term “IBS intelligence”, IBSIntelligence.com” or “the publisher” or “us” or “we” refers to Cedar Management Consulting International, LLC whose registered office is Lenta Suite 109, 180/186, Kings Cross Road, London WC1X9DE. A company registered in England & Wales, no. FC032493.
These terms & Conditions shall govern the agreement between Cedar Management Consulting International, LLC and the party seeking to place an advertisement in Cedar Management Consulting International, LLC print publications and/or electronic publications and/or enewsletter and/or website (www.ibsintelligence.com) and/or blog. An advertisement shall include all advertisements, ad banners, text advertising messages or other material submitted to Cedar Management Consulting International, LLC for publication in any of our print publications and/or electronic publications and/or enewsletter and/or website and/or blog. Any advertising agency acting on behalf of the advertiser will be jointly and severally liable with its client for the advertiser’s liabilities under this agreement.
This agreement is the complete and exclusive agreement between the parties relating to its subject matter, superseding and replacing all prior agreements, communications, and understandings (both written & oral). Terms & conditions on any insertion order or booking form supplied by the advertiser will not be accepted as part of this agreement. The agreement may only be modified , or any rights under it waived, by a written document signed by both parties. The advertiser may not assign or transfer this agreement, in whole or in part, without Cedar Management Consulting International, LLC prior written consent. Any attempt to assign this agreement without such consent will be null and void.
Cedar Management Consulting International, LLC reserves the right, at any time and for any reason, to decline any advertising copy and to cease further publication of any advertising.
Cedar Management Consulting International, LLC reserves the right to amend these terms & conditions.
Cancellations will be accepted by the publisher if received more 30 days prior to the space closing date and must be submitted in writing. No cancellations will be accepted within 30 days of the space closing date. If a premium position is cancelled the space will be lost.
All advertisements are accepted for publication entirely upon the representation that the agency and/or advertiser are properly authorised to to publish the entire contents and subject matter thereof.
The advertiser/agency acknowledges and agrees that any advertisement submitted may be included in an electronic database of published pages.
It is the responsibility of the advertiser to assure the timely receipt of any new ad materials being supplied. Any new materials not received by the due date will result in the use of artwork previously used, not the cancellation of the contracted space. If no previous artwork is available the advertiser will still be charged for the space booked.
The advertiser is solely responsible for any liability arising out of publication of the advertisement or relating to any material to which users of the website or readers of the enewsletter/blog can link to through the advertisement. It is the responsibility of the advertiser to ensure that the advertisement and any link comply with all advertising standards , applicable laws and other regulations; that it holds the necessary rights to permit the publication and use of the advertisement by Cedar Management Consulting International, LLC for the purpose of this agreement; and that the use, reproduction , distribution or transmission of the advertisement conforms to all advertising standards, applicable laws and other regulations and does not contravene any third party’s rights , including, but not limited to , infringement of any copyright, patent, trade mark, trade secret or other proprietary right, false advertising, unfair competition, defamation, obscenity, piracy, invasion of privacy or rights of celebrity, infringement of any discrimination law, securities law or regulation, or of any other right of any person or entity.
Publication of the advertisement in the print publications and/or electronic publications and/or enewsletter and/or website and/or blog does not constitute acceptance by Cedar Management Consulting International, LLC that the advertisement does so conform and Cedar Management Consulting International, LLC has a continuing right to require the advertiser to change or modify the advertisement to the extent it deems necessary to conform to such requirements. Cedar Management Consulting International, LLC reserves the right to withdraw the advertisement from publication at any time without liability to the advertiser if it considers in its absolute discretion that the advertisement or any material to which users of the website or readers of the enewsletter/blog can link to through the advertisement fails to conform to the above requirements, or is inappropriate for, or unsuited to the editorial policies of Cedar Management Consulting International, LLC.
To the full extent permitted by law, Cedar Management Consulting International, LLC will not be liable for any loss or damage whether direct or indirect , including consequential loss or any loss of profits or similar loss, in contract or tort or otherwise, relating to the advertisement or this agreement or any error in the advertisement or any failure of the advertisment to appear in the print publications and/or electronic publications and/or newsletter and/or website and/or blog from any cause whatsoever. Cedar Management Consulting International, LLC will not be liable for any error in a published advertisement nor its failure to appear at a specified time or in any specific position or place in the print publications and/or electronic publications and/or newsletter and/or website and/or blog.
Cedar Management Consulting International, LLC cannot be held responsible for any loss or damage due to the cancellation or postponement of third party events.
The advertiser will be responsible for all charges,costs and expenses relating to the publication of the advertisement in the print publications and/or electronic publications and/or enewsletter and/or website and/or blog including production costs and the cost of any changes or modifications, throughout the whole period IBS Intelligence has agreed to publish the advertisement. Agreed charges are exclusive of an applicable sales tax, value added tax or other tax or duty which may be imposed by any relevant taxation authority. The advertiser will be responsible for the insurance of any artwork and other material delivered to Cedar Management Consulting International, LLC and Cedar Management Consulting International, LLC cannot be responsible for any loss or damage. Cedar Management Consulting International, LLC reserves the right to charge the advertiser for all costs and expenses incurred in changing or modifying any advertisement that does not conform in every aspect to the technical specifications for the print publications and/or electronic publications and/or newsletter and/or website and/or blog (which can be supplied on request) or which contravenes (in the opinion of Cedar Management Consulting International, LLC) any of the requirements set out above, or is inappropriate to or unsuited to the editorial policies of Cedar Management Consulting International, LLC
It is understood that , in consideration of the publication of advertising, the advertiser and/or agency will fully hold harmless and fully indemnify the publisher for and against any and all claims , demands, suits, actions , proceedings, recoveries or expenses of any nature whatsoever, including reasonable fees of counsel selected by the publisher , arising directly or indirectly from the publication of any advertisement (including but not limited to , claims of infringement or copyright or trademark or claims of libel or invasion of privacy) or based upon or arising out of any matter or thing contained in any advertisement. Advertisers and agencies accept responsibility for communicating any restrictions on advertising content that prohibit the use of material beyond the ordered area of coverage or on future unordered dates for layout purposes.
Occasionally we may make a time limited special offer eg book two advertisements and get a third half price. These offers are made subject to availability, apply to full pages only and will not normally apply to prime positions or online advertising. Payment for special offer deals must be paid for at the time of booking.
All payments for an advertisement are due in advance or on receipt on invoice, as agreed upon by IBS Intelligence, a division of Cedar Management Consulting International, LLC. If payments are not made in a timely manner Cedar Management Consulting International, LLC may terminate this agreement immediately and withdraw the advertisement from the print publications and/or electronic publications and/or newsletter and/or website and/or blog.
Advertising agencies are responsible for payment of all advertising ordered on behalf of their clients and the publisher reserves the right to hold the agency and the advertiser jointly and severally liable for all such payments. Credit may be suspended without advance notice for accounts with overdue balances.
Only publication of an advertisement shall constitute acceptance of the advertiser’s order. The publisher shall, in no event, be liable for failure to publish advertising when specified by the advertiser , provided that if no advertising is published, any charges therefore received by the publisher shall be refunded. If payment is made by credit card, it is possible that the credit card company may pass on a minor charge due to differing currency rates between the time the charge was made and the time the refund is made. The advertiser agrees to accept this charge.
These Terms and Conditions shall be governed and construed in accordance with the laws of England and Wales whose courts shall have exclusive jurisdiction. If any provision of these Terms and Conditions is invalid or unenforceable , such will not render all the Terms and Conditions unenforceable but rather the Terms and conditions will be read and construed as if the invalid or unenforceable provision(s) are not contained therein. Any cause of action with respect to these Terms and Conditions must be filed in a court of competent jurisdiction in London, England within one year after the cause of the action has risen, or such cause will be barred, invalid and void. Save as expressly referred to herein , any representation warranty, term or condition not expressly set out in these terms and Conditions shall not apply.
If you have any questions about these Terms and Conditions, please contact us at email@example.com or alternatively, at:
Division of Cedar Management Consulting International, LLC.
Lenta Suite 109
180/186, Kings Cross Road
London WC1X 9DE
Tel. +44 (0) 2075 202 630
Fax. +44 (0) 2076 811 361
A company registered in England & Wales, no. FC032493. IBS Intelligence is a trading name of the publishing business of Cedar Management Consulting International, LLC.
VAT Number: (214 8533 17)
UK Establishment Company Number: FC032493
Date of document: 23rd June, 2015
This website and its content are copyrights of IBS Intelligence and Cedar Management Consulting International, LLC.
© Cedar Management Consulting International, LLC. All rights reserved.