Terms of Service

All Blog Content Will Be Reviewed By The Author For Approval Prior To Final Post/Submission. YOU MUST BE EIGHTEEN (18) YEARS OLD TO ACCESS THIS SITE: This site falls within the Child Online Privacy Act (COPA) and is not monitored as doing so.

Forums/Message Boards/Blog/Subscribers/Memberships/Grant of Limited License with Reservations/ Non-Assign Ability/Theft of Login:

You may not use any forum/blog in a commercial manner. You may not post material that solicits funds/solicits goods or services/nor advertises unless by written consent. You may not post material known to be false. You may not post messages that contain stock touts. We are not responsible for material appearing in any forum on the sites, except for material signed by one of our representatives. You may not post or transmit any information, software or other material that contains a virus or other harmful component. We are not responsible for screening material posted by users for libel, obscenity, invasion of privacy, trademark or copyright infringement, accuracy, or for any other reason. We retain, however, the right to modify or remove messages or other material that we, in our sole discretion, consider abusive, defamatory, obscene, stale, infringing, offensive, or otherwise unacceptable. Transmission of such material that violates any federal, state, or local law is prohibited and is a breach of this Agreement. We also reserve the right to edit materials for any other reason. Whether or not we modify or remove such material, users remain solely responsible for the content of their messages or postings. We will not be subject to any obligation of confidence for any submission, and we will not be liable for any use or disclosure of any submission. In the case that you submit something to us and it is unsolicited, we will exclusively own all rights to the submission gloabally, and we will be entitled to the unrestricted use of the submission for any purpose, without compensation or notification to the provider of the submission. Given this fact, we ask that you refrain from submitting creative projects to us, particularly those that are confidential or personal to you.
By posting on the sites, you grant (or warrant that the owner of such rights has expressly granted) us and/or relevant affiliated companies the global, perpetual, nonexclusive right to use your questions, comments, and postings, in their original or edited form, in commentaries, books, articles, television programs or in any other medium currently known or later developed. You also warrant that you own or otherwise control all of the rights to the content you have posted and that the public posting and use of such content by us will not infringe the rights of any third party. Additionally, you warrant that any moral rights in posted materials have been waived. You are not entitled to any compensation/royalty fees for any materials you may post on any of our sites. Subscribers are responsible for information they send, or display through the Site even if a legal claim should arise after termination of service.
Consumer, of the services of the site and holder of a valid username and password (login) for the site. By becoming a subscriber/(opt-in), you hereby authorize the imposition of charges to your credit card or other approved facility for all membership fees (when/or if applicable) as well as for any further goods and/or services at, through and/or from or pertaining to the site. A Login is a non-transferable/non-exclusive, license for that individual member, and no other, to use the site for a period of time. Subscriber must promptly inform the site of any apparent breach of security, such as loss, theft, or unauthorized disclosure or use of a username or password. Until the site is notified of any breach in security, the subscriber will remain personally liable for any unauthorized use of the service. Subscriber is and shall be personally liable for/and shall defend/indemnify and hold harmless the site and any agency acting on its behalf from any and all damages (including loss of profits, loss of property, penalties and fines), losses and costs (including attorneys’ fees) resulting from any attempted or actual unauthorized downloading or other duplication whether solely by subscriber or with or under the authority of any other including governmental agency.
As customers, visitors to the site hereby granted a single copy license to download (on a single computer only) or print copies of any of the information found on the site for personal, non-commercial use only. You may not modify any of the materials found on the site; performance/use them for any public display, sale or rental; remove/modify/alter any copyright/other proprietary notice/trademarks there from; or transfer any material located on the site to any other person. The site reserves the right to terminate this license at any time if you breach the terms of this agreement, in which case you will be obligated to immediately destroy any information downloaded, printed or otherwise copied from the site. Access to and use of the site is through a combination of a username and a password (login). Each subscriber must keep his or her login strictly confidential. Unauthorized access to the site is a breach of this Agreement and a violation of law.
Guidelines for Copyrighted Material Public/Commercial: Author’s Permission and Links for Public Purposes: Author will moderate any link to a public site within a blog post on this blog/forums for approval: Only content relevant links will be accepted.
The licensor permits the public to copy/distribute/transmit only unaltered copies of the work: Not derivative works based on it: Permission need not be acquired by the Author: Author must be given credit with reference of the works to be used included: Example: An Excerpt from (our site) by Author: Robert Hess

Commercial Purposes:

Author does not permit others to copy/display/distribute/perform the work for commercial purposes without expressed; written agreement/permission of the Author.

Services Disclaimer:

The information contained through our site is not a substitute for professional advice you would receive from an accountant/attorney/qualified tax preparer. Information is offered in good faith. You do not have to use this information. Any decisions you make; and their consequences; are your own. Under NO circumstances will you hold our site liable for any actions that you take. Because our site provides No Accounting/No Financial/No Legal Services; our site presents the material on this site as general information only. It is not offered as/does not constitute accounting advice; opinion/financial advice; opinion/legal advice; opinion. It does not/should not serve as a substitute for advice from an accountant/attorney/financial advisor familiar with the facts of your specific situation. We are not an accounting firm/a financial services firm/a law firm. We do not provide accounting/financial/legal/tax advice; services. We make no warranty; express or implied; concerning the accuracy/reliability of the content of this website/or other websites to which we link.
Should the materials/services provided prove defective and/or cause any damage to equipment or any loss or inconvenience to subscriber or anyone claiming through subscriber; subscriber assumes the entire cost and responsibility for same. If the site/site owner is found liable for any failure to perform; including interruptions/defects/errors/omissions/delays; whether based upon breach of contract/negligence/any other claim/any other cause of action; the maximum liability of the site/site owner shall be for no more than the amount of the subscription fee paid by or on behalf of the subscriber for the preceding month. Some states/jurisdictions do not allow the limitation or exclusion of liability for consequential/incidental damages; so the above limitation/exclusion may not apply. Under no circumstances or legal theory shall the site/site owner or any of their suppliers/licensees/agents/or other subscribers be liable to subscriber or others for any indirect/special/consequential/incidental damages of any character; including without limitation: Damages for losses of any kind; including but not limited to; loss of profits/loss of good will/work stoppage/virus or other harmful component/loss data/other equipment failure or computer malfunction.

Charge-back Abusers:

Fraudulent consumer purchases create costly charge-backs for merchants. In the event that a charge-back is placed on a purchase; we reserve the right to report the incident for inclusion in a charge-back abuser database. Information reported would include name/e-mail address/ order date/order amount/IP address/full address/telephone number. If you initiate a charge-back; there will be a $25.00 service fee for each charge-back initiated; plus money owed to the merchant. In addition, charge-back abusers wishing to be removed from the database shall pay a $100.00 processing fee. We will only accept payment from a U.S. Postal Money Order or International Wire Transfer. All bad checks and fraudulent purchases will be legally submitted to the following: County District Attorneys Offices/Small Claims Courts/U.S.A. Postal Mail Fraud Divisions/and Collection Agencies. This action may adversely affect your credit rating: International Fraud: EConsumer.gov: A Service of the International Consumer Protection/Enforcement Network: US Secret Service at 419.fcd@usss.treas.gov

Terms of Service:

Universal Spam Policy, and certain federal and state laws, including the Computer Fraud and Abuse Act (18 U.S.C. § 1030 et seq.), Section 502 of the California Penal Code, and Section 17538.45 of the California Business and Professions Code. Such violations may subject the sender and his or her agents to civil and criminal penalties. Additional information on how to identify and prevent spam can be found at the Federal Trade Commissions “spam for Consumers” Web site at www.ftc.gov Please report violations of this Universal Spam Policy.