DEFINITIONS. For the purposes of this agreement, “you” or “User” refers to the visitor or user of the website. “Us,” “we,” “the Company” and “our” refers to “Agreement” refers to the terms and conditions agreement you are currently reading.

Your Representations
By using (this website), you are representing to us that:

You will not use this website for any unlawful purpose.
You have read these Terms of Use in their entirety, and you agree to be legally bound by these Terms of Use.
You are at least 18 years old (or, if younger, you are old enough to be contractually bound, by agreeing to these Terms of Use, under the law of the place where you are viewing this website).

Effect of Revisions may change any of these Terms of Use at any time. Your use of this website after any changes have been posted to this page will constitute your agreement to be bound by these Terms of Use as they exist at the time you use this website.

Discontinuance of Access may discontinue or change this website, or discontinue or restrict your access to this website, at any time, without notice and without liability to you for any consequences of the discontinuance or change.

The content displayed on this website (the Content) is the property of or its licensors and is protected by copyright laws and other intellectual property laws. You may use this website and the Content only for your personal use. You may not use this website or the Content for any commercial purpose. You may not copy, reproduce, or modify any Content except for your personal use. You may not display, perform, publish, create derivative works from, or store any of the Content, and you may not distribute, transmit, broadcast, or circulate any of the Content to anyone, including (but not limited to) someone else in the company or organization where you work, without the express prior written consent of, with the following exception.

Your Limited Right to Use the Content
You may, on an occasional and irregular basis, reproduce, distribute, display, or transmit an insubstantial portion of the Content, for a noncommercial purpose and without charge, to a limited number of individuals, provided you include all copyright and other proprietary rights notices with that portion of the Content in the same form in which the notices appear at this website, the original source attribution, and the phrase “Used with permission from, a website of The” However, you may not post any of the Content to any forum, newsgroup, mail list, electronic bulletin board, or other website, without the express prior written consent of

Disclaimer of Professional Advice
The attorney listings on are paid attorney advertisements and do not constitute a referral or endorsement by an approved or authorized lawyer referral service.

No attorney-client relationship exists by the use of this website. All information made available in on this site is not intended as legal advice and does not construe an attorney-client relationship. All information is presented for information purposes only.

This website includes factual statements, views, opinions, and recommendations of individuals and organizations deemed of interest. does not guaranty, warrant, or endorse the accuracy, completeness, or timeliness of those statements, views, opinions, and recommendations. is not engaged in the business or profession of giving investment advice, tax advice, legal advice, or other professional advice. You should always seek the assistance of a professional for advice on investments, tax, the law, or other professional matters. does not state or imply that a lawyer is “certified”, a “specialist”, an “expert” or any other similar term to describe his or her qualification as a lawyer or his or her qualifications in any subspecialty of the law. No representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers. The choice of a lawyer is an important decision and should not be based solely upon advertisements.

Disclaimer of Warranties
In view of the large number of sources from which the Content is obtained, and the inherent hazards of electronic distribution, there may be distribution delays and omissions and inaccuracies in the Content and this website. The Content and this website are provided “as is” without any warranties. and its affiliates, agents, and licensors cannot and do not warrant the accuracy, completeness, timeliness, noninfringement, title, merchantability, or fitness for a particular purpose of the Content available through this website, or this website itself, and hereby disclaims any such express or implied warranties. Neither nor any of its affiliates, agents, or licensors shall be liable to you or anyone else for any loss or injury, other than death or personal injury resulting directly from use of this website, caused in whole or part by negligence or contingencies beyond control in procuring, compiling, interpreting, reporting, or delivering the Content at this website. In no event shall, its affiliates, agents or licensors be liable to you or anyone else for any decision made or action taken by you in reliance on the Content or this website. and its affiliates, agents, and licensors shall not be liable to you or anyone else for any damages (including, without limitation, consequential, special, incidental, indirect, or similar damages), other than direct damages, even if advised of the possibility of such damages. Because some states or jurisdictions do not allow the exclusion or limitation of liability for damages or the exclusion of certain types of warranties, parts or all of the above limitation may not apply to you.

In no event shall be held liable for any indirect, special, incidental or consequential damages incurred by you as the result of your use of this site. In no event shall be liable for any loss of content, income or profits incurred by you as the result of your use of this site. These limitations on our liability shall apply, whether or not you have been advised of the possibility of any losses or damages. Nothing in these terms, however, is intended to exclude or restrict such liability, which cannot be excluded or restricted under the law.

These Terms constitute the agreement between you and You do accept these Terms once you begin using this website. If any provision of this agreement is found unenforceable, the remaining provisions will remain in full force and effect. If company fails to enforce any provision of this agreement, it will not be considered a waiver of enforceability or a waiver of the provision.

We reserve the right to modify these Terms at any time. Each such modification will be effective upon posting on our website. Your continued use of our services following any such modification constitutes your agreement to be bound by, and your acceptance of, the

Terms as modified. It is important that you review these Terms regularly.

You agree to arbitration to settle all disputes arising from the terms of this agreement. Parties have the right to legal counsel to review this agreement prior to agreeing to its terms.

Governing Law
These Terms of Use, your rights and obligations, and all actions contemplated by these Terms of Use will be governed by the laws of the United States of America and the State of Arizona, except as otherwise specifically stated in these Terms of Use, the same as if these Terms of Use were a contract wholly entered into and wholly performed in the State of Arizona. These Terms of Use, your rights and obligations, and all actions contemplated by these Terms of Use will not be governed by the United Nations Convention on Contracts for the International Sale of Goods or any amendment, agreement, convention, or treaty that may hereafter to any extent supersede it.

Effect of Invalidity of Any Provision
If any provision in these Terms of Use is invalid or unenforceable under applicable law, the remaining provisions will continue in full force and effect, and the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision.

Rights Not Expressly Granted
All rights not expressly granted to you in these Terms of Use are hereby reserved to

To better protect your personal rights we have provided the Privacy Policy to explain our privacy practices in detail. The Privacy Policy is incorporated in these Terms by reference.

Consent For Emails
By accepting this agreement, you consent to receive emails from, which may include emails of a commercial nature. If at any time you do not want to be contacted by the, you are always free to email us at [email protected] with the word “Remove” in the subject line.

Entire Agreement
These Terms of Use constitute the entire and final agreement between you and regarding this website and the Content, and these Terms of Use supersede any previous, contemporaneous, or future communications between and you regarding this website and the Content.

If you do not agree to be bound by these Terms, you must discontinue your use of our services immediately.