Last updated: November 13 2013

The following Terms of Service agreement (“Agreement”) governs the use of this website (“Website”), which includes, without limitation, all internally linked pages, user-posted articles, links, images, comments, messages, and data; (“Content”), and all other functions, features, and services provided by this Website (“Services”).

The terms “We” and “Us”, as stated anywhere in this Agreement, refer to the current Website owner.


For affiliate and income disclosure, please review our Affiliate Disclosure Policy.


By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trade mark law.

Use License

  • Permission is granted to temporarily download one copy of the materials (information or software) on Owner’s web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
    • modify or copy the materials;
    • use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
    • attempt to decompile or reverse engineer any software contained on Owner’s web site;
    • remove any copyright or other proprietary notations from the materials; or
    • transfer the materials to another person or “mirror” the materials on any other server.
  • This license shall automatically terminate if you violate any of these restrictions and may be terminated by Owner at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.


The materials on Owner’s web site are provided “as is”. Owner makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Owner does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site. Owner is not to be considered a professional or expert in any of the topics mentioned on this website. Making decisions, performing actions, or making purchases based on any information from this Website is to be done completely at your own risk. Owner is in no way responsible for any actions taken therein.  

Revisions and Errata

The materials appearing on Owner’s web site could include technical, typographical, or photographic errors. Owner does not warrant that any of the materials on its web site are accurate, complete, or current. Owner may make changes to the materials contained on its web site at any time without notice. Owner does not, however, make any commitment to update the materials.

Links, Advertisements, Sponsored-material

Owner has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Owner of the site. Use of any such linked web site is at the user’s own risk. Links, advertisements, sponsored-material, and content may be present on this site for the intention of earning income. Owner relinquishes the right to explicity mark such material as sponsored and the user is to assume that any material on this site may be present to generate income. Owner makes no guarentees for anything endorsed or mentioned on this website.

Site Terms of Use Modifications

Owner may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

Governing Law

Any claim relating to Owner’s web site shall be governed by the laws of the State of New York without regard to its conflict of law provisions. General Terms and Conditions applicable to Use of a Web Site.

Legality, Accuracy, and Acceptance of Submitted Content

Content can be submitted to this website by the public for public viewing potentially without any approval or review by Owner. Posted content may contain information that is inaccurate, misleading, or pertain to unlawful acts. We do not endorse or support any content posted on this website by our users and you are warned to follow any information at your own risk. We are in no way liable for actions taken by you from the result of information posted on this Website. We ask that any questionable content or information be reported to use through our contact form so that we can properly address it.

Termination and Suspension

We possess the right to terminate and/or suspend your account and access to this Website for any or no reason at all.

Warranty, Liability, and Disclaimer

As previously stated in this Agreement, we have no control over who submits content to this Website, and what the content is. We also have no obligation to monitor or filter the content posted or actions taken by our users. Content found on this Website, or on sites linked to by this Website, may be offensive, unlawful, inaccurate, misleading, or inappropriate. WE ARE NOT LIABLE, OR RESPONSIBLE, IN ANY WAY, FOR THIS CONTENT, HOW YOU DECIDE TO USE IT, AND ANY ACTIONS RESULTING FROM IT. IN NO EVENT SHALL WE BE HELD LIABLE UNDER ANY THEORY OF LAW IN REGARDS TO THIS WEBSITE, ITS SERVICES, OR CONTENT. THIS WEBSITE IS PROVIDED WITHOUT ANY WARRENTY OF ANY FORM. BY ACCESSING THIS SITE YOU ASSUME FULL LIABILITY AND RISK FOR YOURSELF.

In Addition

We possess the right to alter, add, or terminate any services or any personal data associated with them. We possess the right to deny access to any users or organizations that we see fit.

To report any known violations of this Agreement, or for any questions regarding, please refer to our Contact page.


Your privacy is very important to us. Accordingly, we have developed this Policy in order for you to understand how we collect, use, communicate and disclose and make use of personal information. We recommend that you revisit this policy as it is subject to change at any time. This policy does not continue once you leave this website, and you are operating at your own risk. The following outlines our privacy policy.

Before or at the time of collecting personal information, we will identify the purposes for which information is being collected.

  • We will collect and use of personal information solely with the objective of fulfilling those purposes specified by us and for other compatible purposes, unless we obtain the consent of the individual concerned or as required by law.
  • We will only retain personal information as long as necessary for the fulfillment of those purposes.
  • We will collect personal information by lawful and fair means and, where appropriate, with the knowledge or consent of the individual concerned.
  • Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date.
  • We will protect personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification.
  • We will make readily available to customers information about our policies and practices relating to the management of personal information.
  • We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained.

Analytical tracking

Software is potentially always in use that tracks the actions taken place on this website with the goal to provide insightful analytics, metrics, and potential problems. Some of these actions, included to, but not limited to, pages viewed, website referrals, search queries, and other related metrics may be submitted to third-party services, such as Google Analytics, for example. Information securely transmitted to third-party information does not include account information, or any information that could be linked to an individual account.

Cookies and Advertisers

Cookies are alphanumeric identifiers that we transfer to your computer’s hard drive through your Web browser to enable our systems to recognize your browser and tell us how and when pages in our website are visited and by how many people. These cookies do not transmit any personal data about you. Cookies also enable certain parts of the site to function properly. Almost every web browser has the option to disable cookies – which you may do, but risk losing certain functionality of this website.

Cookies may be used by our advertisers to help them display ads that you may not have seen yet. We ensure no personal data is shared. When navigating off this website, to a vendor and/or advertiser website, cookies may be used to track the referral from this website in order to award Owner with affilliate-based commission payments based on any actions you might take once you leave this website. We advise you to review the Privacy Policy of any website you willingly choose to access. You are not covered under this Policy once you leave this website.

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