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Terms and professional disclaimers

Effective 10 August 2026

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1. General information

This site provides professional background, areas of expertise and general commentary. It does not by itself create a client, advisor, fiduciary or other professional relationship.

2. Advisory and speaking

Any engagement is subject to separate agreement on scope, preparation, fees, travel, confidentiality, conflicts, recording rights and deliverables. No public page constitutes a fixed offer or price list.

3. AI Process Review

AI Process Review provides a structured first-pass diagnostic. It does not replace professional, legal, regulatory, compliance, security or operational review.

This personal site presents the project but does not accept process inputs, run analysis, manage accounts or produce reports. The standalone product will require separate approved terms and privacy controls before external use.

4. Employer and confidentiality boundary

Views expressed are personal and do not necessarily represent current or former employers. External work is based on public-domain expertise, personal professional experience and general operating frameworks. Confidential employer information is not offered or used.

5. Content and links

Articles and materials may contain professional judgment and developing hypotheses. They should not be treated as guarantees, benchmarks or advice for a specific situation. Third-party links are provided for convenience and remain subject to the third party's own terms.

Dmitry Markosyants

Product Executive · Fintech · Payments · Banking
Enterprise AI · Process Transformation

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