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Privacy and Terms

Terms of use

The following are terms of a legal agreement between you, this website and other online and electronic services. These include but are not limited to web portals, newsletters and templates. By accessing, browsing and/or using these services, you acknowledge that you have read, understood, and agree, to be bound by these terms and to comply with all applicable laws and regulations. If you do not agree to these terms, do not use this website or any of the other services.

No advice - No liability

The information contained on this website or provided services is for informational purposes only. It is not intended to provide legal, accounting, tax, investment, financial or other professional advice to you, and you should not rely upon the information to provide any such advice. Although we believe that the information provided by this website and other services is accurate and complete and we try to keep the information current, we do not provide any warranty, expressed or implied, that the accuracy or completeness of any information provided as part of this website. Neither we, nor its owners shall be liable in any manner or to any extent for any direct, indirect, special, incidental or consequential damages, losses or expenses arising out of the use of this website or other services.

Confidentiality and security

Complete confidentiality and security is not possible over the Internet. Internet use and communication is subject to interception, loss and alteration. You acknowledge and agree that this service and its owners shall not be responsible for any damages you may suffer as a result of the transmission of confidential or sensitive information over the Internet, and that all such communications will be at your own risk.

Links and references to other sites and content

Other websites and external content which are accessed via hypertext link or other means from this website and other services have, unless otherwise indicated, been independently developed by third parties and we do not warrant the accuracy or completeness of the information contained in such sites. The inclusion of any information, material, content or links on this web site and other services should not be construed as an express or an implied endorsement of any third party products or services.

Copyright notice

All materials published or otherwise accessible through this website and other services, including, but not limited to, text, photographs, images, illustrations, coding and other materials (the "Content") are protected by copyright, and are owned or controlled by either this website owner or the party credited as the provider of the content. Any reproduction, modification, redistribution, publication, transmission, transfer, sale, distribution, performance, display or exploitation of this website, whether in whole or in part, constitutes a violation of federal or common law and is prohibited.

Trade marks

Certain names, words, titles, phrases, logos, designs, graphics, icons and trade-marks displayed on this website and other services may constitute registered or unregistered trade-marks of third parties. The display of third party trademarks on this website does not imply that a license of any kind has been granted. Unless otherwise specified, downloading, retransmission or other copying or modification of any trademarks displayed on this web site constitutes a violation of federal or common law and is prohibited. The symbols ® and ™ designate registered and unregistered trademark status, respectively.

We may at any time revise these terms by updating this posting. By using this web site and other services, you agree to be bound by any such revisions and should periodically visit this page to determine the then current terms to which you are bound.


We value your trust and considers the impact and necessity of any collection, use, disclosure, transfer and security of personal data. We seek to balance the need to protect individuals' personal data against the need to obtain and process such data for legitimate and reasonable purposes. In all cases we strive to only request the data that is required to complete the action request and delete any personal data when it is no longer needed. At no time do we sell personally identifiable information to any third party.