Last Updated 2023-09-23
This Website is not for use by any minors (defined as those who are not at least 18 years of age), and you must not use this Website if you a minor.
All content found on the Website is intended for educational & informational purposes only. All information provided is true and accurate to the best of our knowledge and is presented in good faith. Unfortunately, it is not possible to test every conceivable possible configuration nor for every possible outcome. See the section on Limitation Of Liability below.
Copyright / Intellectual Property Rights
Other than content you own, which you may have opted to include on this Website, under these Terms, and unless otherwise specified, content found within this Website is protected by copyright law. The owner of this Website reserves any and all rights in this regard. Any unauthorized reproduction in part or in whole without permission is illegal.
You are granted a limited license only, subject to the restrictions provided in these Terms, for purposes of viewing the material contained on this Website.
You are expressly and emphatically restricted from all of the following:
- Publishing any Website material in any media;
- Selling, sublicensing and/or otherwise commercializing any Website material;
- Publicly performing and/or showing any Website material;
- Using this Website in any way that is, or may be, damaging to this Website;
- Using this Website in any way that negatively impacts user access to this Website;
- Using this Website contrary to applicable laws and regulations, or in a way that causes, or may cause, harm to the Website, or to any person or business entity;
- Engaging in any data mining, data harvesting, data extracting or any other similar activity in relation to this Website, or while using this Website;
- Using this Website to engage in any unauthorized advertising or marketing;
The owner of this Website reserves the right to edit or delete any comments submitted to this Website without notice for any reason.
You agree to accurately represent yourself and any information submitted to or through the Website. You further acknowledge that you are participating voluntarily in using the Website and that you are solely and personally responsible for your choices, actions, and results – both now and in the future. You accept full responsibility for any consequences of your use, or non-use, of any information provided on or through this Website, and you agree to use your own judgment and due diligence before implementing any idea, suggestion, or recommendation from the Website to your life, family, or business.
Not Legal or Financial Advice
The owner of this website is not an attorney, accountant, or financial adviser, nor does the owner in any way represent themself as any one of the aforementioned professionals. The information contained in this Website is not intended to be a substitute for legal or financial advice that can be provided by your own attorney, accountant, and/or financial adviser. Although care has been taken in preparing the information provided to you, this Website’s owner cannot be held responsible for any errors or omissions, and the owner accepts no liability whatsoever for any loss or damage you may incur. Always seek financial and/or legal counsel relating to your specific circumstances as needed for any and all questions and concerns you now have, or may have in the future. You agree that the information on this Website is not legal or financial advice.
Errors & Omissions
While every effort is made to ensure the accuracy of information shared on or through this Website, the information may inadvertently contain inaccuracies or typographical errors. The owner of this Website is not responsible for the views, opinions, or accuracy of facts referenced on or through the Website, or of those of any other individual or companies affiliated with the owner of this Website’s business or the owner of the Website in any way. In short, you agree that the owner of this website is not responsible for the accuracy of the Website, or for any errors or omissions that may occur.
THE OWNER OF THIS WEBSITE MAKES NO WARRANTIES RELATED TO THE PERFORMANCE OR OPERATION OF THE WEBSITE, NOR REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE INFORMATION, CONTENT, MATERIALS, PROGRAMS, PRODUCTS OR SERVICES INCLUDED ON OR THROUGH THE WEBSITE. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, THE OWNER OF THIS WEBSITE DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
Limitation of Liability
By using this Website, you agree to absolve the Website owner of any liability or loss that you or any other person may incur from use of the information, products, or materials that you request or receive through or on the Website. You agree that the Website owner will not be liable to you, or to any other individual, third party, company or entity, for any type of damages, including direct, indirect, special, incidental, equitable or consequential loss or damages, for use of or reliance on this Website. You agree that the owner does not assume liability for accidents, delays, injuries, harm, loss, damage, death, lost profits, personal or business interruptions, misapplication of information, physical or mental disease or condition or issue, or any other type of loss or damage due to any act or default by the owner or anyone acting as this Website’s agent, consultant, affiliate, joint venture partner, employee, shareholder, director, staff, team member, or anyone otherwise affiliated with this business or the owner who is engaged in delivering content on or through this Website.
Unless otherwise stated, references or links in the Website to the information, opinions, advice, programs, products, or services of any other individual, third party, business, or entity does not constitute a formal endorsement but just the sharing of information for your educational & informational purposes only. The owner of this Website is not responsible for the website content, blogs, e-mails, videos, social media, programs, products, and/or services of any other person, third party, business, or entity that may be linked or referenced on the Website. Conversely, should a link from this Website appear in any other individual’s, third party’s, business’s or entity’s website, program, product, and/or services, it does not constitute a formal endorsement of them, their business or their website.
You hereby fully and completely hold harmless, indemnify and release the owner of this Website and any agents of the Website, consultants, affiliates, joint venture partners, employees, shareholders, directors, staff, team members, or anyone otherwise affiliated with this business or the owner from any and all causes of action, allegations, suits, claims, damages, or demands whatsoever, in law or equity, that may arise in the past, present, or future that is in any way related to this Website.
These Terms, including any legal notices and disclaimers contained on this Website, constitute the entire agreement between the site’s owner and you in relation to your use of this Website, and supersede all prior agreements and understandings with respect to the same.
Changes To These Terms
Governing Laws & Jurisdictions
These Terms will be governed by and construed in accordance with the laws of the state of Illinois, and you submit to the non-exclusive jurisdiction of the state and federal courts located in Illinois for the resolution of any disputes.