Below is a description of the terms of service and terms of use of our website.

Please read this document carefully before accessing or using our website. By accessing or using our website, you agree to be bound by the terms and conditions set out below. If you do not wish to be bound by these terms and conditions, you may not access or use our website. If you do not understand these terms and conditions, do not use our website. We may modify this Agreement at any time without individual and specific notice to you, and such modifications will be effective immediately upon posting of the revised Agreement on our Website. You agree to review the Agreement periodically to be aware of such modifications and that your continued access or use of our Website after such notice shall constitute your final acceptance of the revised Agreement, including any and all modifications, changes and additions.

Our website and content are provided on an “as is” basis without warranties of any kind. To the fullest extent permitted by law, our website and its suppliers disclaim all warranties, including (without limitation) the warranty of merchantability, non-infringement of third-party rights, and the warranty guarantee. Our website and its suppliers make no warranties about the accuracy, reliability, completeness or timeliness of the content, services, software text, graphics or links.

By using this website, you agree to be bound by these Terms of Service and Terms of Use. Please read it carefully.

Our website (and other ‘internal’ websites spinning from it, such as select membership sites or related web pages of the main site or weblog) is an online (and periodically offline) information service subject to your compliance with the terms and conditions set forth below (all parts and parties collectively referred to as our Website).

Any other policies, notices, or legal/administrative pages contained on our Website are necessarily incorporated into these Terms of Service and Terms of Use. This may include, but is not limited to, the DMCA Policy, Privacy Policy, Disclaimer, Copyright Notice, Anti-Spam Policy, and Federal Trade Commission Compliance Policy.

You agree to comply with all applicable laws and regulations regarding your use of our Website and the content and materials on it.

Our website is an independent, self-contained entity that has no relationship, connection or affiliation whatsoever with any company, person, group, organization or group mentioned herein, even if such name appears in our website name, domain, URL or otherwise . You should assume that no other party, once named, has endorsed anything you see here. The goal is simply to provide useful resources to our readers, some of which we may be compensated for. You should simply assume that we are compensated at all times, and while that may not prompt us to make improper recommendations, you should always be responsible for your own financial decisions, whether it is an investment, purchase, donation or otherwise.

  1. Copyright, License and Idea/User Submission.
    Below is a description of our website’s copyright notice.

All content on our website is protected by intellectual property law, including international copyright and trademark laws. The owner of the copyright and/or trademarks is our website and/or other licensors or related entities.

You do not own the rights to any article, book, e-book, document, blog post, software, application, add-on, plug-in, art, graphics, photos, images, video, webinar, recording, or other material viewed or listened to through or from our site, via email, or via protected content on a membership site. Posting data on our site, such as a blog comment, does not change this fact and does not grant you any right to the data. You waive any rights to your content once it becomes part of our website.

You may not modify, copy, reproduce, republish, upload, post, transmit or distribute the content on our Website in any way, including text, graphics, code and/or software. You must retain all copyright and other proprietary notices contained in the Original Content on any copy you make of the Content. You may not sell or modify the Content or reproduce, display, perform, distribute or otherwise use the Content for any public or commercial purpose. The use of Paid Content on any other website or in a networked computer environment for any purpose is prohibited. If you violate any of the terms or conditions, your permission to use the Content will automatically terminate and you must immediately destroy any copies you have made of the Content.

You are granted a non-exclusive, non-transferable, revocable license to use our Website solely for private, personal, non-commercial reasons. You may print and download portions of the material from different areas of the Site solely for your non-commercial use, provided that you agree not to alter the content from its original form. Further, you agree not to modify or delete any copyright or proprietary notices from materials that you print or download. Also note that any notice on any part of our site prohibiting printing and downloading overrides all prior data and controls.

As a user, you agree to use the products and services offered by our Website in a manner consistent with all applicable local, state and federal laws and regulations. You may not store or transmit any material that infringes or violates the rights of others, and is illegal, obscene, obscene, indecent, objectionable in any way, threatening or defamatory, or that violates the rights of privacy or publicity.

Our website prohibits conduct that could constitute a criminal offense, give rise to civil liability, or violate any law. Any activity that restricts or prevents any other user from using the services of our site is also prohibited. Unless permitted by a written agreement, you may not post or transmit an advertisement or commercial order on our Site.

You agree to grant our Website a non-exclusive, royalty-free, worldwide, irrevocable and perpetual license, with the right to sublicense, reproduce, distribute, transmit, create derivative works from, publicly display and publicly perform any Materials. and other information (including, without limitation, ideas contained therein for new or improved products and services) that you submit to any public areas of our website (such as bulletin boards, forums, blogs, newsgroups) or by email to our website at The web by all means and in any media now known or later developed. You also grant our website the right to use your name in connection with the submitted materials and other information as well as in connection with all advertising, marketing and promotional materials relating thereto. You agree that you will have no recourse on our Website for any alleged or actual infringement or misappropriation of any proprietary right in your communications to our Website.

Publications, products, content or services referenced here or on our website are the exclusive trademarks or service marks of our website or related parties. Other product and company names mentioned on our site may be the trademarks of their respective owners.

Links to our site
You may provide links to our site, provided that you do not change, remove or obscure the copyright or other notices on our site. Your website or any other source of links must not engage in illegal or pornographic activities. Finally, you may link provided that you understand that you must stop linking to our Site immediately at the request of our Site.

  1. Use of our site.
    You agree, acknowledge and agree that we are not trained professionals and do not claim to provide professional advice or experts in any field.

The data contained in or available through our website is not intended to be, and does not constitute, legal advice. Our website and your use of it does not create an attorney-client relationship. We do not guarantee or warrant the accuracy, adequacy or timeliness of the data contained on or linked to our website.

The data contained in or available through our website is not intended to and does not constitute medical or health advice. Our website and your use of it do not create a doctor-patient relationship. We do not guarantee or warrant the accuracy, adequacy or timeliness of the data contained on or linked to our website.

The data contained in or available through our website is not intended to be, and does not constitute, financial/investment advice. Your use and use of our Website does not create an advisor-client relationship. We do not guarantee or warrant the accuracy, adequacy or timeliness of the data contained on or linked to our website.

YOUR USE OF OUR WEBSITE OR THE MATERIALS LINKED TO OUR SITE IS SOLELY AT YOUR OWN RISK. You must not act or rely on any data on our website, where applicable, without the assistance of a competent attorney licensed to practice in your jurisdiction in relation to your particular legal issues. You should not act or rely on any data on our website, where appropriate, without seeking advice from a medical professional licensed to practice in your jurisdiction regarding your particular medical problems. You should not act or rely on any statements on our website, where appropriate, without seeking the advice of a competent financial advisor licensed to practice in your jurisdiction for your specific financial needs and issues.

We may make changes to the features, functionality or content of our site at any time. We reserve the right at our sole discretion to modify or delete any data that appears on our website.

Your duty to other users
Your use of our website is for your personal and non-commercial interest. In no way can you make use of our website in a way that mines the personal information of others, whether in blog comments or otherwise, for your own use or for the benefit of others. This includes, but is not limited to, spam (unsolicited commercial email).

If you inadvertently obtain personal information about other users, you may not share that information with anyone else.

restricted access
Access to certain areas of our website is restricted. We reserve the right to restrict access to other areas of our site, or indeed our entire site, at our discretion.

If we provide you with a user ID (user name) and password to enable you to access restricted areas of our website or other content or services, you must ensure that the user ID and password are kept confidential. You may not share your user ID and/or password with anyone for any reason, either directly or indirectly. You are responsible for all activities that occur using your user ID or password.

We may disable your user ID and password at our sole discretion or if you breach any of the policies or terms governing your use of our Site or any other contractual obligation you owe us.

Third Party Products/Services
You understand that except for information, products or services that are clearly identified as being provided by our Website, our Website does not operate, control or endorse any information, products or services on the Internet in any way. Except for information so identified by our Website, all information, products and services offered through our Website or on the Internet generally are provided by third parties not affiliated with our Website, and we may be compensated.

viruses, etc.
You also understand that our Website cannot and does not guarantee or warrant that files available for downloading through our Website will be free of infection, viruses, worms, Trojan horses, or any other code that exhibits contaminating or destructive properties. You are responsible for implementing adequate procedures and checkpoints to meet your specific requirements for the accuracy of data entry and output, and for maintaining a means outside of our Site to reconstruct any lost data.

risk assumption
YOU ASSUME ENTIRE RESPONSIBILITY AND RISK FOR YOUR USE OF OUR WEBSITE AND THE INTERNET. Our Website and related information is provided “as is” and makes no express or implied warranties, representations or endorsements whatsoever (including but not limited to warranties of right or non-commitment, or in relation to the product or service, any information or service relating to merchandise offered through the Service or on the Internet generally, and our Website shall not be liable for any cost or damage arising directly or indirectly from any such transaction.It is your sole responsibility to evaluate the accuracy, completeness and usefulness of all opinions, advice, services and merchandise and other information provided through the Service or on the Internet generally.Our website does not guarantee that the Service will be uninterrupted or error-free, or that defects in the Service will be corrected.

You also understand that the pure nature of the Internet contains unauthorized material, some of which is sexually explicit or may be offensive to you. Your access to these materials is at your own risk. Our website has no control over and accepts no liability whatsoever for such material which you may access on occasion.

Limitation of Liability
The content may contain inaccuracies or typographical errors. Our website makes no representations about the accuracy, reliability, completeness or timeliness of the content or about the results that will be obtained from the use of our website or the content on it. Use of our site and content is at your own risk. Changes are periodically made to our site and may be made at any time.

Our Website does not guarantee that our Website will operate error-free or that our Website and its server are free from computer viruses and other harmful goods or conditions. If your use of our website or content results in the need for servicing or replacement of equipment or data, our website is not responsible for such costs.

In no event shall our website, its suppliers or any third party mentioned on our website be liable for (a) any incidental, consequential, indirect or other damages (including, without limitation, damages for loss of Professionals or business loss of software or information, and the like) caused by the use of or inability to use the Service or any information or transactions submitted on the Service or downloaded from the Service or any delay in such information or the Service. Even if our website or its authorized representatives have been advised of the possibility of such damages, or (ii) any claim that can be attributed to errors, omissions or other inaccuracies in the Service and/or the downloaded materials or information.
BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. In these states, liability is limited to the maximum extent permitted by law, and results in the smallest dollar amount allowed for the aggregate liability of both our website and the affiliated parties for a claim belonging to or relating to us. This is in place of any and all other remedies available otherwise.

Links to other sites.
Our website contains links to third party websites. Our website makes no representations whatsoever about any other website that you may access through this website or which may link to this website. When you access a website from our site, please understand that it is independent of our site, and that our site has no control over the content on this site. These links are provided only as a convenience to you and not as an endorsement by our website of the contents on third party websites. Our website is not responsible for the content of linked third party websites and makes no representations regarding the content or accuracy of the materials on such third party websites. If you decide to access third-party linked websites, you do so at your own risk. We do not necessarily endorse, recommend, suggest or make any offer or demand to take action with respect to any product or service offered. You should assume that we are reimbursed for any purchases you make. Again, any income claims should be construed as atypical results and you bear the risk of poor outcomes, including losses, for which we have no responsibility or liability.

User Submissions
As a user of our website, you are responsible for your own communications and are responsible for the consequences of posting them. You must not do the following: post copyrighted material, unless you are the copyright owner or have permission from the copyright owner to post it; post material that discloses trade secrets, unless you own them or have permission from the owner; Post mat

Social media warning (disclosure of personal and private information)
Social media has provided a platform for internet users to reveal a lot of personal information about themselves, in a way that appears innocuous, if not appropriate and predictable. However, more than a few people have actually lived to regret the personal information that was shared by them or by others. This has always been true of simple email. It’s pretty much true of social websites and social media apps on any other website, including this one. You are warned not to disclose information carelessly.

  1. Compensation.
    You agree to indemnify and hold our Website and its members, officers, directors, employees, agents, licensors, suppliers and any third party information providers harmless on our Website from and against all losses, expenses, damages and costs, including reasonable attorneys’ fees, arising from any use of our Website or Violation of this Agreement (including wrongful conduct or negligence) by you or any other person accessing our Site.
  2. Third party rights.
    The provisions of paragraphs 2 (Use of the Service) and 3 (Indemnification) are in the interest of our Website and its owners, officers, directors, employees, agents, licensors, suppliers and any third party information providers of the Service. Each of these individuals or entities has the right to assert and enforce those provisions directly against you on his/her behalf.
  3. Duration; End.
    We reserve the right to investigate complaints or reported violations of these Terms of Service and these Terms of Use and take any action we deem appropriate, including but not limited to reporting any suspected illegal activity to law enforcement officials, regulators or other third parties and disclosing Any data necessary or appropriate for such persons or entities relating to your profile, email addresses, usage history, IP addresses and traffic data.

This Agreement may be terminated, in whole or in part, without notice at any time and for any reason. The provisions of Clauses 1 (Copyrights, Licenses and Submission of Ideas), 2 (Use of the Service), 3 (Indemnification), 4 (Third Party Rights), 6 (Appointment of Solicitor / Lack of Solicitor-client Relationship) and 7 (Miscellaneous) will survive any Termination of this Agreement, in whole or in part.

  1. Appointment of an investment advisor, attorney, medical or other professional / no attorney-client relationship or fiduciary capacity.
    Choosing a lawyer, physician or investment advisor is a serious matter and should not rely solely on data on our website or in advertisements.

The law changes constantly and the data may not be complete or accurate depending on your particular legal issue. Each legal case depends on its own individual facts and different jurisdictions have different laws and regulations. This is why you should seriously consider hiring a licensed professional counselor in your jurisdiction.

Medical problems are complex and can often result from both physical and psychological factors. A website should never be used as a resource for diagnosing or treating medical problems.

Financial matters are very individual. Risk tolerance is just one factor to consider before making any investments or financial decisions. For these and other reasons, you should look at the instructions of a trained professional, not a website.

You can send us an email, but in no way will this contact be construed as the initiation of an attorney-client relationship, or other professional relationship, and therefore the contact should not include confidential or sensitive data because your communications will not be treated as privileged or confidential .

  1. Miscellaneous.
    The law that governs
    This Agreement shall be treated as if it were to be executed, valid and executed in the case of our registered address (“Domicile”). Accordingly, it shall be governed and construed in accordance with the laws of the home country in terms of those applicable to the Agreements, without regard to principles of conflict of law.

Any action by you in connection with our site must be brought within one (1) year after the cause of action arose or be waived and discontinued for good. All actions are subject to the limitations set forth in these Terms of Service and these Terms of Use. Any legal claim arising out of or relating to these Terms of Service and these Terms of Use or our Website, except for infringement of intellectual property rights and other claims by us, shall be settled confidentially through mandatory binding arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association. The arbitration must be conducted in the home country. Each party bears half of the arbitration fees and costs incurred, and each party bears its own attorney fees. All claims shall be arbitrated on an individual basis, and shall not be combined in any arbitration with any claim or controversy of any other part.