1.  In view of the possibility of human error, neither the author nor any other party involved in providing this Web site, warrant that the information contained therein is in every respect accurate or complete and they are not responsible nor liable for any errors or omissions that may be found in this Web site or for the results obtained from the use of such information. The entire risk as to use of this Web site is assumed by the user.   

2.  You are encouraged to consult other sources and confirm the information contained within or linked to from this Web site.  

3.  In publishing this Web site, the author makes no representations concerning the efficacy, appropriateness or suitability of any products. Use this site at your own risk. 

4. The information you access through this web site is provided "as is". No warranty, expressed or implied, is given as to the accuracy, completeness or timeliness of any information herein, or for obtaining legal advice. To the fullest extent permissible pursuant to applicable law, neither the author nor any other parties who have been involved in the creation, preparation, posting, or delivering of this web site assume responsibility for the completeness, accuracy, timeliness, errors or omissions of said information.  

5.  The author is not responsible for the contents of any linked site or any link contained in a linked site, or any changes or update to such sites. The inclusion of any link does not imply endorsement by the author. The author of this Web site makes no representations or claims as to the quality, content and accuracy of the information, services, products, messages which may be provided by such resources, and specifically disclaims any warranties, including but not limited to implied or express warranties of merchantability or fitness for any particular usage, application or purpose. 

6.  The author and other parties involved in the creation of this Web site assume no responsibility or liability for any damages, or viruses, worms, Trojan horses or other code that manifest contaminating or destructive properties that may infect your computer equipment or other property on account of your access to, use of, or browsing the web site, or your downloading of any materials, data, text, images, video, or audio from the web site. 

7. By using this Web site, you signify your assent to these terms and conditions of use. If you do not agree to these terms and conditions of use, do not use this web site. If any provision of these terms and conditions of use shall be determined to be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability or any remaining provisions. 

8. The information contained in this web site is subject to change without notice. The materials published on this web site are provided as-is without warranty of any kind and may include inaccuracies and/or typographical errors. The author makes no representations about the suitability of this information for any purpose. The author disclaims all warranties with regard to this information, including all implied warranties, and in no event shall the author be  held liable, resulting from, or in any way related to, the use of this information. 

9. The individual documents provided on this Web Site are copyrighted by the author and her licensors and may be printed for personal use only provided that they remain wholly unedited and unmodified. Permission to otherwise reprint, copy, download, save, electronically reproduce, or utilize any document on this Web site, in part or in whole, is expressly prohibited. The unauthorized alteration of the content of this Web site is expressly prohibited. The author, her agents and her representatives shall not be responsible for any claims, actions, or damages which may arise on account of the unauthorized alteration of this Web site. 

For copyright information on any documents linked Web sites, consult the copyright instructions for those Web sites. 

10. Arbitration - By using this Web site you agree that in the event of any controversy or dispute arising with respect to your use of this site shall be settled in accordance with the prevailing rules of the American Arbitration Association ("AAA") and such arbitration shall be determined by the San Francisco Division of the AAA.

11. By using this Web site, you are agreeing to the conditions, terms and stipulations of the paragraphs above and this paragraph. As above, these terms are subject to change at any point in time. As such, please check them frequently, since they govern your use of this website. Your permission and use of this website and these terms will be governed by the internal laws of the State of California. Any dispute or claim in connection with this website not covered arbitration will be brought in the State or federal courts of San Francisco, California. You agree to jurisdiction and venue in such courts.

12. Certain images and/or photos used in this site are the copyrighted property of Jupiterimages and are being used with permission under license.