This page states the legal disclaimer and terms and conditions under which you may use the web site.  By accessing the web site you accept and agree to be bound, without limitation or qualification, by these terms.  If you do not accept any of the terms stated here, do not use the web site.  We may, at our sole discretion, modify or revise these terms at any time by updating this web page. You are bound by any such modification or revision and should therefore visit this page periodically to review the terms. Limitation of Liability/ Disclaimer of Damages Your use of the web site is at your own risk.  If you are dissatisfied with any of the materials or other content of the web site or with these terms and conditions, or our privacy policy, your sole remedy is to discontinue use of the web site. Information Content Reference material posted at this web site is for informational purposes only and no warranty is made as to its accuracy.  You should never rely solely on the information posted at this web site to make serious financial decisions, e.g. obtaining a mortgage, purchasing a home, filing for bankruptcy or any other serious financial decision that has long-term consequences and affects your income, standard of living and financial health.  Using the information, tips and sample letters at this web site is at your own risk. We advise you to always discuss important financial matters with an accountant, attorney or other financial professional before making major financial decisions and never rely solely on the information contained at this web site or any other web site in making serious financial decisions.  The information contained at this website may not be applicable to your individual situation and may be in conflict with the laws and standard business practices in the particular state in which you reside.  In addition, new federal and state laws may be enacted or revised that render the information at this website obsolete or invalid. IF YOU RELY ON THE INFORMATION CONTAINED AT THIS WEBSITE TO MAKE FINANCIAL DECISIONS YOU DO SO AT YOUR OWN RISK.  IN NO EVENT SHALL WE BE LIABLE TO ANY USER OR ANY THIRD PARTY FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR LOST PROFITS) RESULTING FROM THE USE OF THIS WEBSITE. This is the complete disclosure of the legal disclaimer.

Legal  Disclaimer

">

">

">

">