Privacy Policy

This site does not set any cookies. The owner of this web site does not collect any personally identifiable information such as name, address, phone number, etc. from visitors to this site (unless of course you send us an email with unsolicited information about yourself in it.) External sites that this site links to may set cookies. For more information, read the privacy policy of the linked to sites.

The web host for this site does keep track of some basic visitor information for statistical analysis from the log files. This information is not personally identifiable but may track such information as the IP address of the person accessing this site, the referring URL, search term used to find this site through the search engines, length of stay on site, type of browser used to access the site, etc.

Third party advertisers on this site, such as Google's Adsense program, may set cookies and web beacons for marketing purposes. If you would like to limit the ability of sites you visit to set cookies, you may do so by changing your security options in your browser. Alternatively, cookie options may also be reset insecurity programs such as Norton. However, please note that restricting cookie settings may hinder your ability to interact with some sites that utilize cookies.

Advertising cookies set by Google can be used by Google to track your visits on other web sites, gauge your interest and allow Google to deliver you ads based on your personal interests. You can read more about and opt out, if you choose to do so, from Google's interest based advertising here.

Google may associate your browser with relevant interest categories based on sites you have previously visited and may use these categories to show personalised ads. For example, if you frequently visit finance websites, Google may show you more finance related ads than someone who spends more time on travel web sites.

You may read more about Google's privacy policy here.

Graphics

Most images © 2008 Jupiterimages Corporation and used under license.

Disclaimer and Terms of Use  

1.  In publishing this web site, the owner makes no representations concerning the efficacy, appropriateness or suitability of any products or treatments. Use this site at your own risk. 

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

3. 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 owner 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 and assume no liability for any direct, incidental, consequential, indirect, or punitive damages as well as any circumstance for any complication, injuries, side effects or other medical accidents to person or property arising from or in connection with the use or reliance upon any information contained herein or pages linked therefrom.  

4.  The owner of this site 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 owner. The owner 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. 

5. The information provided by this Web site is general in nature and is intended for educational and informational purposes only.

6. 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, please refrain from using 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. 

7.  In view of the possibility of human error, neither the owner 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.   

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 owner makes no representations about the suitability of this information for any purpose. The owner disclaims all warranties with regard to this information, including all implied warranties, and in no event shall the owner 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 owner, 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 owner of this site and any representatives shall not be responsible for any claims, actions, or damages which may arise on account of the unauthorized alteration of this Web site. 

10.  The owner 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. 

11. The pictures and graphics included in this Web site are licensed from Jupiter Images and may not be copied.

12. 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.

14. By using this Web site, you are agreeing to the conditions, terms and stipulations of the paragraphs above and this paragraph. Tthese 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, or your use of it not settled by binding arbitration will be brought in a federal court in Oakland or San Francisco, California or in state court in Contra Costa County, California. You agree to jurisdiction and venue in such courts.