Terms & Conditions

My Thoughts and This Website Are My own

Each and every thought on this website is my own. These are my own thoughts, generated by me, representing me. They – and this website – are in no way affiliated with any company that I work for, with, or that I have any involvement in. If I’ve made a mistake, it’s my fault. The information provided by me, in this document, on my website or through any of my media (text, audio, video) is for general informational purposes only and does not constitute legal, financial, accounting, investment, tax, or any other kind of regulated advice. You should not rely on any information on this website as a substitute for seeking professional advice from a qualified professional.

Terms and Conditions For Using My Website and My Content

Online Conduct

You agree to use my products and services only for lawful purposes. You may not post on or transmit through my products or services any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, sexually explicit, profane, hateful, racially, ethnically, or otherwise objectionable material of any kind, including any material that encourages conduct that would constitute a criminal offense, give rise to civil liability, or otherwise violate applicable laws, and any material related to gambling.

I may prohibit conduct, communication, or content that I, in my sole discretion, believe to be harmful or objectionable to individual users, me or my partners, or any rights of my or any third party, to violate applicable laws, or for any other reason that I reasonably believe will bring scorn or derision upon me and my partners, such as spamming, spying, and the like. Notwithstanding the foregoing, I cannot ensure prompt editing or removal of questionable content after online posting or transmittal. Accordingly, neither I  nor any of my, nor the partners, family, officers, directors, employees, investors, and other representatives of any of them, assume liability for any action or inaction with respect to conduct, communication, or content in connection with my products and/or services.

My Comments Policy

By posting on my website, you agree to the following:

  1. You may comment, but you must register.
  2. If you disagree with what we or anyone says, please do so in a way that is respectful.
  3. I reserve the right to delete your comments. This is my website. I don’t have an obligation to publish your comments. I will delete your comments if you post something that is, in my sole opinion, (a) snarky; (b) off-topic; (c) libelous, defamatory, abusive, harassing, threatening, profane, pornographic, offensive, false, misleading, or which otherwise violates or encourages others to violate our sense of decorum and civility or any law, including intellectual property laws; or (d) “spam,” i.e., an attempt to advertise, solicit, or otherwise promote goods and services.
  4. You retain ownership of your comments. I do not own them and I expressly disclaim any and all liability that may result from them. By commenting on my site, you agree that you retain all ownership rights in what you post here and that you will relieve me from any and all liability that may result from those postings.
  5. You grant me a license to post your comments. This license is worldwide, irrevocable, nonexclusive, and royalty free. You grant me the right to store, use, transmit, display, publish, reproduce, and distribute your comments in any format, including but not limited to a blog, in a book, a picture, a video, or presentation.

No Warranties and Limitation of Liability

Use of my products and services is at your sole risk. Neither I, nor my affiliates, nor any of my family, officers, partners, directors, or employees, agents, investors, third-party content providers, vendors, licensers, or the like, warrant that my products and services will be uninterrupted or error-free; nor do I make any warranty as to the results that may be obtained from the use of my products and services, or as to the accuracy, reliability, or currency of any information content, service, or merchandise provided through my products and services.


Neither I nor any of my family or affiliates, nor the directors, partners, employees, investors or other representatives of any of them, are liable for damages arising out of or in connection with the use of my products and services, including mistakes, omissions, interruptions, deletion of files or e-mail, errors, defects, viruses, or delays in operation or transmission. This is a comprehensive limitation of liability that applies to all damages of any kind, including compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property and claims of third parties.

You agree that you are solely and completely responsible for your use of my products and services, for any data transmissions using my products and services, and for the content of any such transmissions. You agree to indemnify and hold harmless me and my family, affiliates, the directors, partners, employees, investors or other representatives of any of them from any type of demand or any type of claim, including reasonable attorney fees, which may be made as a result of your use of my products and services.

Security Policy

I use reasonable precautions to protect the privacy and security of your user information and any other information that you store or transmit using my products and/or services. My web services are hosted by a reputable third party hosting service. While my experience with my hosting service has been very good, I make no representation or warranty with respect to backups, disaster recovery, or data security. Specifically, I do not offer the ability to selectively restore content items stored or transmitted using my products or services, nor do I provide any guarantee that some or all of the data content you store or transmit using my service will not be permanently lost or corrupted. You are solely responsible for maintaining backup copies of any data you deem important.

I use Secure Socket Layer (“SSL”) connections to encrypt information flowing though our products and services. Using them is a requirement for using my website and purchasing our products and services.

Collection of Information

I collect personally identifiable information, like names, postal addresses, email addresses, etc., when voluntarily submitted by my visitors.

I use return e-mail addresses to answer the e-mail I receive. Such addresses are not used for any other purpose and are not shared with third parties except when such return addresses appear in e-mail text that is forwarded to a third party in the normal course of responding to that e-mail.

For subscribers to my email lists, I will not sell, make available or in any way distribute your e-mail address to anyone else, nor will I send you e-mails other than for the purpose of the e-mail subscriber list for which you are subscribing. I automatically subscribe users to any of my products and services, both paid and free, to my newsletter.  Users can unsubscribe at any time. I may also send other emails related to the purchase of and use of my products and services, which users can unsubscribe from at any time.

I do not collect or store any credit card information.  I use third party payment processors that handle all of credit card payment processing and I never see or have access to credit card numbers, expiration dates or CCV codes.

Cookie/Tracking Technology

The Site may use cookie and tracking technology depending on the features offered. If so I will inform all site visitors through a pop-up notice. Cookie and tracking technology are useful for gathering information such as browser type and operating system, tracking the number of visitors to the Site, and understanding how visitors use the Site. Cookies can also help customize the Site for visitors. Personal information cannot be collected via cookies and other tracking technology, however, if you previously provided personally identifiable information, cookies may be tied to such information. Aggregate cookie and tracking information may be shared with third parties.

Distribution of Information

I may share information with governmental agencies or other companies assisting me in fraud prevention or investigation. I may do so when: (1) permitted or required by law; or, (2) trying to protect against or prevent actual or potential fraud or unauthorized transactions; or, (3) investigating fraud which has already taken place. The information is not provided to these companies for marketing purposes.

Commitment to Data Security

Your personally identifiable information is kept secure. Only authorized employees, agents and contractors (who have agreed to keep information secure and confidential) have access to this information.


My website may include links to third-party web sites that are outside of my control. Please check the privacy polices of such sites.