Terms and Conditions

By accessing this web site, you agree to these 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 content of this web site is protected by applicable copyright and trade mark law.

Use License

Use of the site is at the discretion of the owner of the site, and any use may be terminated by the owner at any time.

By posting or uploading any comments or materials (collectively “the content”) to the site, you are granting the site a perpetual license to publish the content.

You are legally responsible for your content. You agree not to post or upload content for which you are not legally entitled (ie. copyrighted material outside of fair use) or which may violateĀ  any laws (including but not limited to libel).

The site owner may remove or move any content for any reason. The site owner may edit your content as it deems necessary for any reason. Any edited content will be appropriately disclosed such that any added or modified content will not be confused with original content.


The materials published on the site are provided “as is”. The owner of the site, 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, the 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.

This site does not dispense or publish financial advice. All published information, recommendations and opinions are offered for informational purposes only. Members and guests are advised to discuss their plans (and any information published on this site) with their own professional financial advisers.


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