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Web Site Terms, Conditions and Legal Notice

These Terms, Conditions, Disclaimers and Notices restrict your rights and are very important
so please read fully and carefully each time you access this Internet site.

Terms of Use
By viewing any page on this web site ('Site'), you agree to all of the following terms and conditions ('Terms') . If you do
not agree, you should not browse or visit this web site. Web site visitors are hereby authorized to view information
published throughout this web site, provided that (a) the information may be used internally only for informational,
non-commercial purposes; (b) no fee may be charged for distribution of any information to any third party;
and (c) any and all copyright or other proprietary notices that appear herein, together with this Legal Notice,
must appear on all copies that you may share.

Disclaimers
The Information is provided with RESTRICTED RIGHTS. Information on this web site is not intended to replace
or substitute for, the information or advice given by experienced or licensed professionals. No legal representation or advice is provided in any way whatsoever. Site visitors or readers assume all responsibilities and obligations with respect to any decisions made or advice given as a result of the use or reference of any content from this Site.

Warranty
ALL INFORMATION IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, INCLUDING (WITHOUT LIMITATION) ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. WE FURTHER DISCLAIM ANY LIABILITY IN CONNECTION WITH THE SITE OR THE INFORMATION PROVIDED HEREIN. Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusion may not apply to you. IN NO EVENT WILL THIS SITE BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR OTHER CONSEQUENTIAL DAMAGES FOR ANY USE OF THE SITES, THE INFORMATION, OR ON ANY OTHER HYPERLINKED WEBSITE, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM OR OTHERWISE, EVEN IF EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. WE ALSO MAKE NO REPRESENTATIONS OR WARRANTIES AS TO WHETHER THE INFORMATION ACCESSIBLE VIA THIS WEBSITE, OR ANY WEBSITE WITH WHICH IT IS LINKED, IS ACCURATE, COMPLETE, OR CURRENT.

Important Notice
The sole purpose of this Site is to share the the personal opinions of the Site owner, author(s) and visitors who choose to post comments. All content on this web site consists entirely of personal opinions of the authors and contributing readers. Web site readers should not assume or expect content neutrality or independence on any part of this Site. The author's content and contributing reader comments are often biased and skewed based upon particular experience, personal interests and vested interests. Much content is from the Site owner who is an industry practitioner and therefore contains bias and views relative to individual experience and circumstances which may not be shared across the industry and may not be accurate. The Site owner operates the Site in an individual capacity. This Site is purely the personal expression of the individual Site owner. Pen names (sometimes referred to as alias names) by the Site owner, Site authors and readers are permitted and used in order to provide privacy and/or anonymity.

Governing Law and Venue
Any and all challenges and/or legal claims shall be governed solely in the county, state and country of this web site owner. If any provision of this Site Terms is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the intentions as reflected in the provisions of the Site Terms and all Site Terms which are not invalid shall remain in full force and effect.

Copyright
Unless otherwise indicated, this web site and its contents are protected, without limitation, pursuant to U.S. and foreign copyright and trademark laws.

Trademarks
Various Trademarks Held By Their Respective Owners. Any product or technology referenced or published on this Web site may be the subject of Intellectual Property rights reserved by its licensors or owners, and are not licensed hereunder.

Entire Agreement
These Terms represent the entire Site Terms, Conditions, Notices and DISCLAIMERS for this Site. These Terms supersede any and all prior or other written and oral communications. If there is a dispute among Terms between this Site Terms page and any other Site page, this Site Terms page shall prevail.

General
These Terms may be changed or modified at any time without advance notice. Therefore, it is very important that web site visitors review this Terms page each and every time they access this web site. Section titles in this Site Terms page are for convenience only and have no legal or contractual effect.