These terms of service govern you use of this website. By accessing this site, you acknowledge you accept these terms of use.

These terms of use are subject to change by us at any time at our discretion and you acknowledge any future changes as binding if you access this site after such changes are made..

You must be eighteen (18) years of age or older to access this website. if you are under this age then you are not alowed to access this website for any reason. Due to the age restrictions for use herein, no information obtained by this website is subject to any child online privacy laws nor monitored for compliance.

To access this site or some of the resources it has to offer, you may be asked to provide certain registration details or other information.  It is a condition of your use of this site that all the information you provide on this site will be correct, current, and complete.  If we believe the information you provide is not correct, current, or complete, we have the right to refuse you access to this site or any of its resources, and to terminate or suspend your access at any time, without notice.

You may use this site for education only.  You may not use this site for any other purpose.

This site may be hyper-linked to other sites which are not maintained by, or related to, our business.  Hyper-links are to be accessed at the user's own risk, and our business makes no representations or warranties about the content, completeness or accuracy of these hyper-links or the sites hyper-linked to this site. Hyper-links to such sites are provided as a service to users and are not sponsored by or affiliated with this site or our business.  Our business has not reviewed any or all of such sites and is not responsible for the content of those sites.    Further, the inclusion of any hyper-link to a third-party site does not imply endorsement by our business of that site.

You hereby grant to our business the royalty-free, perpetual, irrevocable, worldwide, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display all content, remarks, suggestions, ideas, graphics, or other information communicated to our business through this site (together, hereinafter known as the "Submission"), and to incorporate any Submission in other works in any form, media, or technology now known or later developed.  Our business will not be required to treat any Submission as confidential, and may use any Submission in its business (including without limitation, for products or advertising) without incurring any liability for royalties or any other consideration of any kind, and will not incur any liability as a result of any similarities that may appear in future business operations.

Our business will treat any personal information that you submit through this site in accordance with its Privacy Policy.

The content in or provided by this website is not necessarily complete and up-to-date and should not be used to replace any written reports, statements, or notices provided.  All persons should use the Content in the same manner as any other educational medium and should not rely on the Content to the exclusion of their own professional judgment.  Information obtained by using this site is not exhaustive and does not cover all issues, topics, or facts that may be relevant to your goals. 

The Content is provided “as is” and without warranties of any kind, either expressed or implied.  (see the disclaimer).  Our business does not warrant or make any representation regarding use, or the result of use, of the content in terms of accuracy, reliability, or otherwise.  The content may include technical inaccuracies or typographical errors, and we may make changes or improvements at any time.  

All of the information in this site, whether historical in nature or forward-looking, speaks only as of the date the information is posted on this site, and we do not undertake any obligation to update such information after it is posted or to remove such information from this site if it is not, or is no longer, accurate or complete.

This business or any of its officers or content providers shall not be liable for any damages whatsoever including loss of income, pain and suffering, emotional distress or similar damages. All information provided on or by this  website is for EDUCATIONAL PURPOSES ONLY, and a suitably qualified professional should be consulted by you.

You will indemnify and hold the business, its subsidiaries, affiliates, licensors, content providers, service providers, employees, agents, officers, directors, and contractors (hereinafter known as the "Indemnified Parties") harmless from any breach of these Terms of Use by you, including any use of Content other than as expressly authorized in these Terms of Use.  You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses, and solicitor's fees of the Indemnified Parties in connection therewith.  You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of the information accessed from this site.

Trademarks, service marks, and logos appearing in this site are the property of Company or the party that provided the trademarks, service marks, and logos to Company.  Company and any party that provided trademarks, service marks, and logos to Company retain all rights with respect to any of their respective trademarks, service marks, and logos appearing in this site.