This is the terms and conditions page for the website By accessing and using this website, you agree to these terms and conditions. If you do not agree to them, do not continue to use the website. The following terms apply to these terms and conditions, privacy statement, and disclaimer notice, and all agreements. The terms “Client,” “You,” and “Your” refer to the person using the website. “The Company,” “Ourselves,” “We,” “Our,” and “Us” refer to the website owner. “Party,” “Parties,” or “Us” refer to both the Client and ourselves.

The website uses cookies to enable certain functionality for users. All intellectual property rights for the website’s materials are reserved, and you may access them only for your personal use, subject to the restrictions set in these terms and conditions. You may not republish, sell, rent, sub-license, reproduce, duplicate, copy, or redistribute any material from the website.

Users may post and exchange opinions and information in certain areas of the website. The website owner does not filter, edit, publish, or review comments prior to their presence on the website. Comments reflect the views and opinions of the person who posts them, and the website owner shall not be liable for them. The website owner reserves the right to monitor all comments and remove any that are inappropriate, offensive, or breach these terms and conditions.

You warrant and represent that you have all necessary licenses and consents to post comments on the website, and that they do not invade any intellectual property right, contain any defamatory, libelous, offensive, indecent or otherwise unlawful material, or solicit or promote business or custom or present commercial activities or unlawful activity. You hereby grant the website owner a non-exclusive license to use, reproduce, edit, and authorize others to use, reproduce and edit any of your comments in any and all forms, formats, or media.

The website may be hyperlinked by government agencies, search engines, news organizations, and online directory distributors. Online directory distributors may link to the website in the same manner as they hyperlink to the websites of other listed businesses. System wide Accredited Businesses may also link to the website, but soliciting non-profit organizations, charity shopping malls, and charity fundraising groups may not. Commonly known consumer and/or business information sources, community sites, associations or other groups representing charities, online directory distributors, internet portals, accounting, law and consulting firms, and educational institutions and trade associations may also link to the website. The website owner may consider and approve other link requests from types of organizations not listed here, as long as they meet certain criteria. The website owner reserves the right to reject or remove links at any time.


To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website. Nothing in this disclaimer will:

  1. limit or exclude our or your liability for death or personal injury;
  2. limit or exclude our or your liability for fraud or fraudulent misrepresentation;
  3. limit any of our or your liabilities in any way that is not permitted under applicable law; or
  4. exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and prohibitions of liability set in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer, including liabilities arising in contract, tort and for breach of statutory duty, except to the extent expressly provided in this disclaimer.

As long as the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.

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