Privacy and Terms of Use

You are free to browse this Site. However, BROWSING AND USE OF THIS SITE constitutes your understanding and agreement to its Terms and Conditions and its Privacy Policy. If you do not understand and/or agree to these Policies,  Terms and Conditions, navigate away from the site immediately.

Terms of Use


Your use of this Site is at your own risk and peril. NO WARRANTIES OR GUARANTEES ARE EXPRESSED OR IMPLIED. This Site is not responsible for any third party that may be the source of any damage you may incur. This includes direct, indirect, consequential, inconsequential, or punitive damages that may occur as a function of your browsing and/or use of the Site. You understand and agree that you assume any risk this Site may pose, and any risk that may be posed by third parties who may be affiliated or linked to this Site. If you experience damages that arise from your use of the Site, or use of any downloadable material, including but not limited to audio or video files, computer programming or associated files, text or data files, or similar, you agree to indemnify and hold harmless this Site and its owners and affiliates. Moreover, while the owners of this Site take all reasonable precautions against illegal or unlawful attack or hijack of the Site by persons of evil or malicious intent, you understand and agree that 100% protection against such attacks is not possible, and therefore, there is always some element of risk in the use of this or any Website. The Site therefore assumes no responsibility, and shall not be liable for, any damages arising from viruses, “Trojan horses,” or other similar malware that may infect your computer equipment or other property on account of your access to, use of, or browsing in the Site or your downloading of any data, text, images, video, or audio from the Site. Please note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you. Check your local laws for any restrictions or limitations regarding the exclusion of implied warranties. In any event, the Site and its content are provided “AS IS” and you assume any and all risk arising from its use.


We strive to maintain the accuracy of information found on this Site. Moreover, though the owners of this Site do believe the opinions and ideas expressed are true and correct, nothing on this Site should be considered as anything more than the opinions and beliefs of the Site’s creators, owners, and contributors. Neither are you to construe anything on here as constituting advice or counsel, professional and otherwise. The opinions, beliefs or other subjective pronouncements such as theories or ideas that may appear on this Site should be considered as subjective and open to interpretation, discussion and disagreement, and in no way are users of this Site to consider anything here as anything other than mere opinion. Errors of fact are neither deliberate nor intended. If you discover errors of fact, you are invited to bring those to the attention of the Site’s owner. Contact via e-mail,

While this Site may invite the expression of opinions, discussion, debate, permit forum or exchanges of messages, or other such communication, slanderous and libelous expressions are hereby strictly prohibited. Users of this Site who accept invitations to contribute opinions, discussion, debate, or similar are expected at all times to comport themselves in a professional and decorous matter. Use of profanity or personal attacks is hereby strictly prohibited, and this Site reserves the right to remove such comments or communication from the Site and use any available means, including technological and legal means, to prohibit violators from accessing or using the Site for any period of time up to and including “in perpetuity” as the Site’s owner may, at its sole discretion, deem necessary. Moreover, in the event the Site exercises its rights hereunder to prohibit access to the violating party, that party cannot claim his or her rights are being violated as a result.


This Site is copyrighted and protected by copyright. All text, images, audio, video and programming are copyrighted and protected by copyright and either are owned by this Site’s owners, or are owned by others who have granted permission to this Site and its owners to use same. Under no circumstances are you allowed use of any copyrighted material you may find here without the express written consent of the copyright owner(s), unless otherwise indicated. In the event the copyright owner grants permission to you to use any copyrighted material you may find via this Site, such grants will be covered by legal agreement between you and the copyright owner. Such agreements may include terms and conditions involving financial compensation or payments, licensing rights you may or may not be granted, or other such conditions as may be agreed upon between you and the copyright holder, or as may be governed under applicable law. This Site is based in the United States of America and is covered by US law and/or International treaty. Some material may be licensed for your use under the General Public License. Other material may be licensed for your use under the Creative Commons License. Any such licenses or licensing schemes will be indicated elsewhere on the Site in proximity to the material in question. If no such indication is readily apparent, then you should assume the material is copyrighted, patented, or trademarked, and any use of same shall be deemed infringement upon such copyrights, patents or trademarks. This Site and it owners reserve all rights afforded to it by law, including and especially, the right to pursue damage claims against all such infringements.


This Site may from time to time offer advertising space to third parties. Such ads likely include a live link to the advertiser’s own Website. We do perform due diligence with respect to the legality or lawfulness of our advertising clients and make every reasonable effort to insure that client is not engaging in deceptive, misleading or unlawful claims or acts. Nonetheless, mistakes can and do occur, and it is our policy to correct such errors when brought to our attention in as timely a fashion as practicable. You agree and understand your accessing of such advertisers via this Site is of your own volition, and you assume any risk for damages that may accrue therefrom. In no way, shape or form is this Site liable for the conduct of any third party that may advertise on the Site. The Site is merely providing the space and/or link(s) in exchange for some consideration, whether cash, trade, or payment-in-kind. That such advertising appears on this Site is merely a business transaction between the Site and the advertiser and does not constitute nor imply any sort of endorsement. You are required to make your own best judgment as to the quality of the advertiser, and/or his products or services and their respective suitability to your particular situation.

If you purchase advertising on the Site, you agree there is no guarantee of results, and that results may vary depending on factors that may or may not be in the control of the Site or you. Any results that you interpret as negative do not constitute a right to non-payment for advertising so purchased. Payment in full is expected on the agreed upon due date unless prior arrangements have been made. In the event you use a credit or debit card, electronic fund transfer, electronic or paper check, or other such means other than cash, and the card is declined, the check returned for insufficient funds, or similar non-performance, the Site and its owners reserve the right to collect by whatever lawful means may be at their disposal.


The fact that you have accessed this Site indicates that you understand and agree to the Terms and Conditions contained herein, and you warrant that you have read, understood, and agreed to same. We reserve the right to change, modify, expand, or contract our Terms and Conditions. We will post such changes here. You are advised to refer to this document from time to time to review its contents.

Privacy Policy


We collect only such information as is necessary to conduct business on this Site. Such information may include your name, mailing address, e-mail address and telephone number. If we offer you the opportunity to open an account with us, you will create a username and password, and we will maintain a record of your transactions with us. We may also place a “cookie” (a special text file) on your machine or device to identify you in future transactions with us. You are welcome to set your browser to refuse cookies, but such action may result in less convenience in using this Site. We do NOT collect such information as Social Security numbers, Taxpayer ID numbers, credit card numbers, bank account numbers or other similar proprietary information. If financial transactions are conducted through this Site, they are conducted by third-party payment processors, such as those provided by Pay Pal®, Square®, Stripe® or other similar organizations and companies. Frankly, we don’t want the responsibility for maintaining your bank or credit card account numbers. If you receive communication from what appears to be us asking for such information, IT DID NOT COME FROM US, and if you should respond to it, you do so only at your own peril. Most likely, it is a “phishing” program and should be avoided. Such communication should be reported to a government authority, such as the Federal Bureau of Investigation, the United Stated Federal Trade Commission, the United States Treasury Department, the United States Federal Communications Commission, or state or local law enforcement agencies.


As stated above, the information we collect is primarily for the purpose of conducting business through this Site. SOME AREAS OF THIS SITE ARE FOR THE USE OF REGISTERED USERS ONLY. To access these areas, we may require you to create an account. There is NO charge for creating an account. All other areas of the Site may be browsed anonymously.
The information we collect may be used to conduct sales transactions. It is also used for statistical analysis of our Site. We use this information to make improvements to our Site that we believe will make it easier and more attractive to our users and customers. We derive statistical models of our users from such data and its collection. We consider all such information statistical in nature and use it internally as such. While some information we collect may be personally identifying, we presume such information is private and proprietary, and understand you are providing it to us solely for our mutual benefit. We take our fiduciary responsibility seriously, and therefore do not and will not divulge such data to any third party whatsoever, except as stated below. We do however use personally identifiable information to maintain correspondence and communication with our customers for informational updates, as well as sales and marketing of our own products and services, or third parties who, through a financial arrangement, appear on the this site. But, to repeat, such information is for this Site’s and its paying customers’ purposes and is NOT divulged or revealed to any other third party, except under such extraordinary circumstances as are outlined below in Section 3.


We are, however, not above the law. We will reveal any personally identifying and non-personally identifying information to a legal authority that compels us to. If we are served with a subpoena or warrant to report such data by a court of law anywhere within the jurisdiction of the United States of America, including Federal, state, and municipal courts, we will comply. Such subpoenas and warrants issued by government authorities outside the United States of America will be referred to our own lawyers for disposition. If at that time, it is determined we have no choice but to reveal or divulge such information, we will do so.

Note that, as stated in the first paragraph above, if we do process financial transactions electronically, and/or through the Internet, we use third-party providers to process such financial transactions as you may have with us. Thus, for the express purpose of completing such transactions, we also provide such information as the payment processor requires to complete such transactions. Once processed, however, we DO NOT keep a record thereof.


You may also see (and/or use) links to third parties on our Site. Any information you reveal to those parties, whether our Site is involved directly or indirectly or not, is strictly between them and you. Our putting a link to third-party Sites is either simply a courtesy to those Sites, or is paid for by those sites, thus, the disposition of information or data revealed to the third party (or parties) is covered by their policies and you are advised to be familiar with such policies. In no way does this Site dictate to third parties what their policies should be, neither are we able to control the entities to which such links as we may provide may connect. You are hereby advised to use such links cautiously despite the fact we perform due diligence before granting a link to third party Sites. In any event, we accept no responsibility for the actions of third parties, and you agree to hold us harmless in the event of a dispute you may have with such third parties.


We strive to maintain the accuracy of any and all information we collect, and you are entitled to such accuracy. We welcome and desire to make corrections of errors of fact and inaccuracies of data and information we collect from you. If you are or become aware of any mistakes or inaccuracies related to you or your account, please provide us with the appropriate corrections at your earliest convenience by writing to our administrative offices.


We remain committed to resolving privacy disputes as quickly as possible, and to as great a degree as possible. Direct such problems to our administrative offices. Email


This Site protects user information with the following security measures: by the security protocols, secure servers, firewalls, SSL encryption and other technology provided by our Website hosting company. All information collected by us is for our purposes only, and will never be knowingly divulged to any other third party not contractually connected to this site, unless ordered to be divulged by Federal, state or local authority, e.g., the FBI, CIA, Internal Revenue Service, law enforcement or Federal, state or local courts by subpoena, as noted in section 3 above.